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   }
  },
  "ConsolidatedStatementOfCashFlows_PeriodStartLabel_00279": {
   "value": "400300000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "ConsolidatedStatementOfCashFlows_PeriodEndLabel_00282": {
   "value": "559800000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "ConsolidatedStatementOfCashFlows_PeriodEndLabel_00281": {
   "value": "469000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "ConsolidatedStatementOfCashFlowsParenthetical_Label_00547": {
   "value": "227000000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:InterestReceivedClassifiedAsOperatingActivities",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "ConsolidatedStatementOfCashFlowsParenthetical_Label_00548": {
   "value": "246100000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:InterestReceivedClassifiedAsOperatingActivities",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "ConsolidatedStatementOfCashFlowsParenthetical_Label_00549": {
   "value": "65200000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:InterestPaidClassifiedAsOperatingActivities",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "ConsolidatedStatementOfCashFlowsParenthetical_Label_00550": {
   "value": "70600000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:InterestPaidClassifiedAsOperatingActivities",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00306": {
   "value": "<span>1. Accounting policies </span><div class=\"t s2_153\" id=\"t3_153\" style=\"left:65px;bottom:717px;letter-spacing:-0.38px;display:inline;\">The material accounting policies applied in the preparation of these consolidated financial </div><div class=\"t s2_153\" id=\"t4_153\" style=\"left:65px;bottom:701px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">statements are set out below, and if applicable, directly under the relevant note to the consolidated </div><div class=\"t s2_153\" id=\"t5_153\" style=\"left:65px;bottom:685px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial statements. These policies have been consistently applied to all of the years presented, </div><div class=\"t s2_153\" id=\"t6_153\" style=\"left:65px;bottom:669px;letter-spacing:-0.38px;display:inline;\">unless otherwise stated. </div><div class=\"t s3_153\" id=\"t7_153\" style=\"left:65px;bottom:644px;letter-spacing:-0.19px;display:inline;\">1.1. Reporting entity </div><div class=\"t s2_153\" id=\"t8_153\" style=\"left:65px;bottom:625px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\"><span>Secure Trust Bank PLC</span> is a <span>public limited company</span> incorporated in <span>England and Wales</span> in the </div><div class=\"t s4_153\" id=\"t9_153\" style=\"left:65px;bottom:609px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>United Kingdom</span> (referred to as the \u2018Company\u2019) and is limited by shares. The Company is registered </div><div class=\"t s2_153\" id=\"ta_153\" style=\"left:65px;bottom:593px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in England and Wales and has the registered number 00541132. The registered address of the </div><div class=\"t s2_153\" id=\"tb_153\" style=\"left:65px;bottom:577px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">Company is <span>Yorke House, Arleston Way, Solihull B90 4LH.</span> The consolidated financial statements </div><div class=\"t s4_153\" id=\"tc_153\" style=\"left:65px;bottom:561px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">ofthe Company as at, and for, the year ended 31 December 2025 comprise Secure Trust Bank PLC </div><div class=\"t s4_153\" id=\"td_153\" style=\"left:65px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and its subsidiaries (together referred to as the \u2018Group\u2019 and individually as \u2018subsidiaries\u2019). <span>The Group </span></div><div class=\"t s2_153\" id=\"te_153\" style=\"left:65px;bottom:529px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>is primarily involved in the provision of banking and financial services.</span> </div><div class=\"t s3_153\" id=\"tf_153\" style=\"left:65px;bottom:504px;letter-spacing:-0.19px;display:inline;\"><span>1.2. Basis of presentation </span></div><div class=\"t s4_153\" id=\"tg_153\" style=\"left:65px;bottom:484px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>The Group\u2019s consolidated financial statements and the Company\u2019s financial statements have </span></div><div class=\"t s4_153\" id=\"th_153\" style=\"left:65px;bottom:468px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been prepared in accordance with UK-adopted International Accounting Standards in conformity </div><div class=\"t s4_153\" id=\"ti_153\" style=\"left:65px;bottom:452px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">with the requirements of the Companies Act 2006 and UK-adopted International Financial </div><div class=\"t s4_153\" id=\"tj_153\" style=\"left:65px;bottom:436px;letter-spacing:-0.38px;display:inline;\">Reporting Standards. The consolidated financial statements also comply with International </div><div class=\"t s4_153\" id=\"tk_153\" style=\"left:65px;bottom:420px;letter-spacing:-0.38px;display:inline;\">Financial Reporting Standards (\u2018IFRSs\u2019) as issued by the International Accounting Standards Board </div><div class=\"t s4_153\" id=\"tl_153\" style=\"left:65px;bottom:404px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(\u2018IASB\u2019), including interpretations issued by the IFRS Interpretations Committee. They have been </div><div class=\"t s2_153\" id=\"tm_153\" style=\"left:65px;bottom:388px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">prepared under the historical cost convention, as modified by the valuation of derivative financial </div><div class=\"t s2_153\" id=\"tn_153\" style=\"left:65px;bottom:372px;letter-spacing:-0.38px;display:inline;\">instruments. <span>The consolidated financial statements are presented in pounds Sterling, which is the </span></div><div class=\"t s4_153\" id=\"to_153\" style=\"left:65px;bottom:356px;letter-spacing:-0.38px;display:inline;\"><span>functional and presentational currency of the entities within the Group.</span> </div><div class=\"t s4_153\" id=\"tp_153\" style=\"left:65px;bottom:333px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>The IASB has issued \u2018Amendments to the Classification and Measurement of Financial Instruments </span></div><div class=\"t s4_153\" id=\"tq_153\" style=\"left:65px;bottom:317px;letter-spacing:-0.38px;display:inline;\">(Amendments to IFRS 9 and IFRS 7)\u2019 to address matters identified during the post-implementation </div><div class=\"t s4_153\" id=\"tr_153\" style=\"left:65px;bottom:301px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">review of the classification and measurement requirements of IFRS 9 \u2018Financial Instruments\u2019. </div><div class=\"t s2_153\" id=\"ts_153\" style=\"left:65px;bottom:285px;letter-spacing:-0.38px;display:inline;\">The amendments are effective for reporting periods beginning on or after 1 January 2026. </div><div class=\"t s4_153\" id=\"tt_153\" style=\"left:65px;bottom:263px;letter-spacing:-0.38px;display:inline;\">The IASB amended to the requirements related to: </div><div class=\"t s2_153\" id=\"tu_153\" style=\"left:65px;bottom:240px;letter-spacing:-0.38px;word-spacing:0.33px;display:inline;\">\u2022 settling financial liabilities using an electronic payment system; and </div><div class=\"t s2_153\" id=\"tv_153\" style=\"left:65px;bottom:220px;letter-spacing:-0.38px;word-spacing:0.27px;display:inline;\">\u2022 assessing contractual cash flow characteristics of financial assets, including those environmental, </div><div class=\"t s4_153\" id=\"tw_153\" style=\"left:78px;bottom:204px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">social and governance (\u2018ESG\u2019)-linked features. </div><div class=\"t s4_153\" id=\"tx_153\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">As stated on page 152 the Group has early adopted the requirements in respect of financial assets </div><div class=\"t s4_153\" id=\"ty_153\" style=\"left:65px;bottom:167px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>with ESG-linked features. </span></div><div class=\"t s4_153\" id=\"tz_153\" style=\"left:65px;bottom:145px;letter-spacing:-0.39px;display:inline;\">New accounting pronouncements issued by the IASB with an effective date of 1 January 2027 </div><div class=\"t s4_153\" id=\"t10_153\" style=\"left:65px;bottom:129px;letter-spacing:-0.38px;display:inline;\">include IFRS 18 \u2018Presentation and Disclosure in Financial Statements\u2019 which replaces IAS 1 </div><div class=\"t s4_153\" id=\"t11_153\" style=\"left:65px;bottom:113px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">\u2018Presentation of Financial Statements\u2019. IFRS 18 introduces additional disclosure obligations in </div><div class=\"t s4_153\" id=\"t12_153\" style=\"left:65px;bottom:97px;letter-spacing:-0.38px;display:inline;\">relation to the structure of the income statement, management-defined performance measures, </div><div class=\"t s4_153\" id=\"t13_153\" style=\"left:65px;bottom:80px;letter-spacing:-0.38px;display:inline;\">and the aggregation and disaggregation of financial information. IFRS 18 will have no impact on the </div><div class=\"t s4_153\" id=\"t14_153\" style=\"left:65px;bottom:64px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Group\u2019s net profit as it impacts neither recognition nor measurement. </div><div class=\"t s4_153\" id=\"t15_153\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The new standard will impact the presentation of the Group\u2019s results as it requires that operating, </div><div class=\"t s2_153\" id=\"t16_153\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">investing and financing activities are presented separately. There will also be a change in the </div><div class=\"t s4_153\" id=\"t17_153\" style=\"left:654px;bottom:708px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s cash flow statement as IFRS 18 requires that the first line of the cash flow statement is </div><div class=\"t s2_153\" id=\"t18_153\" style=\"left:654px;bottom:692px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">operating profit. </div><div class=\"t s4_153\" id=\"t19_153\" style=\"left:654px;bottom:670px;letter-spacing:-0.38px;display:inline;\">The preparation of consolidated financial statements in conformity with IFRS requires the use </div><div class=\"t s4_153\" id=\"t1a_153\" style=\"left:654px;bottom:653px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of certain critical accounting estimates. It also requires management to exercise its judgement </div><div class=\"t s4_153\" id=\"t1b_153\" style=\"left:654px;bottom:637px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">in the process of applying the Group\u2019s accounting policies. The areas involving a higher degree </div><div class=\"t s4_153\" id=\"t1c_153\" style=\"left:654px;bottom:621px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of judgement or complexity or areas where assumptions and estimates are significant to the </div><div class=\"t s2_153\" id=\"t1d_153\" style=\"left:654px;bottom:605px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements are disclosed in Note 2. </div><div class=\"t s4_153\" id=\"t1e_153\" style=\"left:654px;bottom:583px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>The Directors have assessed, in the light of current and anticipated economic conditions, the </span></div><div class=\"t s4_153\" id=\"t1f_153\" style=\"left:654px;bottom:567px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s ability to continue as a going concern. The Directors confirm they are satisfied that the </div><div class=\"t s4_153\" id=\"t1g_153\" style=\"left:654px;bottom:551px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Company and the Group have adequate resources to continue in business for the foreseeable </div><div class=\"t s4_153\" id=\"t1h_153\" style=\"left:654px;bottom:535px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future. For this reason, they continue to adopt the \u2018going concern\u2019 basis for preparing accounts, </div><div class=\"t s4_153\" id=\"t1i_153\" style=\"left:654px;bottom:519px;letter-spacing:-0.38px;display:inline;\"><span>as set out in the Viability and going concern section of the Strategic Report, starting on page 40.</span> </div><div class=\"t s4_153\" id=\"t1j_153\" style=\"left:654px;bottom:496px;letter-spacing:-0.38px;display:inline;\">The consolidated financial statements were authorised for issue by the Board of Directors on </div><div class=\"t s4_153\" id=\"t1k_153\" style=\"left:654px;bottom:480px;letter-spacing:-0.39px;display:inline;\"><span>11 March 2026.</span> </div><div class=\"t s3_153\" id=\"t1l_153\" style=\"left:654px;bottom:455px;letter-spacing:-0.18px;display:inline;\"><span>1.3. Consolidation </span></div><div class=\"t s5_153\" id=\"t1m_153\" style=\"left:654px;bottom:436px;letter-spacing:-0.39px;display:inline;\">Subsidiaries </div><div class=\"t s4_153\" id=\"t1n_153\" style=\"left:654px;bottom:415px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Subsidiaries are all investees controlled by the Group. The Group controls an investee when it is </div><div class=\"t s4_153\" id=\"t1o_153\" style=\"left:654px;bottom:399px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">exposed, or has rights, to variable returns from its involvement with the investee, and has the ability </div><div class=\"t s2_153\" id=\"t1p_153\" style=\"left:654px;bottom:383px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to affect those returns through its power over the investee. Subsidiaries are fully consolidated from </div><div class=\"t s4_153\" id=\"t1q_153\" style=\"left:654px;bottom:367px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the date on which control is transferred to the Group. </div><div class=\"t s2_153\" id=\"t1r_153\" style=\"left:654px;bottom:345px;letter-spacing:-0.38px;display:inline;\">The acquisition method of accounting is used to account for the acquisition of subsidiaries by </div><div class=\"t s4_153\" id=\"t1s_153\" style=\"left:654px;bottom:329px;letter-spacing:-0.38px;display:inline;\">the Group. The cost of an acquisition is measured as the fair value of the assets given, equity </div><div class=\"t s4_153\" id=\"t1t_153\" style=\"left:654px;bottom:312px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">instruments issued and liabilities incurred or assumed at the date of exchange, plus costs directly </div><div class=\"t s4_153\" id=\"t1u_153\" style=\"left:654px;bottom:296px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition. Identifiable assets acquired and liabilities and contingent liabilities </div><div class=\"t s2_153\" id=\"t1v_153\" style=\"left:654px;bottom:280px;letter-spacing:-0.37px;display:inline;\">assumed in a business combination are measured initially at their fair values at the acquisition date, </div><div class=\"t s4_153\" id=\"t1w_153\" style=\"left:654px;bottom:264px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">irrespective of the extent of any non-controlling interest. The excess of the cost of acquisition, </div><div class=\"t s4_153\" id=\"t1x_153\" style=\"left:654px;bottom:248px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">excluding directly attributable costs, over the fair value of the Group\u2019s share of the identifiable net </div><div class=\"t s4_153\" id=\"t1y_153\" style=\"left:654px;bottom:232px;letter-spacing:-0.37px;display:inline;\">assets acquired is recorded as goodwill. If the cost of acquisition is less than the fair value of the net </div><div class=\"t s2_153\" id=\"t1z_153\" style=\"left:654px;bottom:216px;letter-spacing:-0.38px;display:inline;\">assets of the subsidiary acquired, the difference is recognised directly in the income statement. </div><div class=\"t s4_153\" id=\"t20_153\" style=\"left:654px;bottom:194px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The parent company\u2019s investments in subsidiaries are recorded at cost less, where appropriate, </div><div class=\"t s4_153\" id=\"t21_153\" style=\"left:654px;bottom:178px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">provision for impairment. The fair value of the underlying business of the Company\u2019s only </div><div class=\"t s4_153\" id=\"t22_153\" style=\"left:654px;bottom:162px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">material investment was significantly higher than carrying value, and, therefore, no impairment </div><div class=\"t s2_153\" id=\"t23_153\" style=\"left:654px;bottom:146px;letter-spacing:-0.38px;display:inline;\">was required. </div><div class=\"t s4_153\" id=\"t24_153\" style=\"left:654px;bottom:123px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Intercompany transactions, balances and unrealised gains and losses on transactions between </div><div class=\"t s4_153\" id=\"t25_153\" style=\"left:654px;bottom:107px;letter-spacing:-0.38px;display:inline;\">Group companies are eliminated. </div><div class=\"t s2_153\" id=\"t26_153\" style=\"left:654px;bottom:84px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The accounting policies adopted by subsidiaries are generally consistent with those adopted by the </div><div class=\"t s4_153\" id=\"t27_153\" style=\"left:654px;bottom:68px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">Group with minor exceptions. </div><div class=\"t s4_153\" id=\"t28_153\" style=\"left:654px;bottom:46px;letter-spacing:-0.38px;display:inline;\"><span>Subsidiaries are de-consolidated from the date that control ceases.</span> </div><div></div><div class=\"t s6_154\" id=\"t7_154\" style=\"left:65px;bottom:695px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Discontinued operations </span></div><div class=\"t s7_154\" id=\"t8_154\" style=\"left:65px;bottom:675px;letter-spacing:-0.38px;display:inline;\">Discontinued operations are a component of an entity that has been disposed of and represents a </div><div class=\"t s7_154\" id=\"t9_154\" style=\"left:65px;bottom:659px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">major line of business and/or is part of a single co-ordinated disposal plan. For further information </div><div class=\"t s8_154\" id=\"ta_154\" style=\"left:65px;bottom:643px;letter-spacing:-0.38px;display:inline;\"><span>please see Note 10.</span> </div><div class=\"t s4_154\" id=\"tb_154\" style=\"left:65px;bottom:618px;letter-spacing:-0.19px;display:inline;\"><span>1.4. Financial assets and financial liabilities accounting policy </span></div><div class=\"t s6_154\" id=\"tc_154\" style=\"left:65px;bottom:599px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Financial assets (with the exception of derivative financial instruments) accounting policy </span></div><div class=\"t s7_154\" id=\"td_154\" style=\"left:65px;bottom:578px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group classifies its financial assets at inception into three measurement categories; \u2018amortised </div><div class=\"t s7_154\" id=\"te_154\" style=\"left:65px;bottom:562px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">cost\u2019, \u2018Fair Value Through Other Comprehensive Income\u2019 (\u2018FVOCI\u2019) and \u2018Fair Value Through Profit or </div><div class=\"t s7_154\" id=\"tf_154\" style=\"left:65px;bottom:546px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Loss\u2019 (\u2018FVTPL\u2019). A financial asset is measured at amortised cost if both the following conditions are </div><div class=\"t s7_154\" id=\"tg_154\" style=\"left:65px;bottom:530px;letter-spacing:-0.38px;display:inline;\">met and it has not been designated as at FVTPL: </div><div class=\"t s8_154\" id=\"th_154\" style=\"left:65px;bottom:508px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"ti_154\" style=\"left:78px;bottom:508px;letter-spacing:-0.37px;display:inline;\">the asset is held within a business model whose objective is to hold the asset to collect its </div><div class=\"t s8_154\" id=\"tj_154\" style=\"left:78px;bottom:491px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">contractual cash flows; and </div><div class=\"t s8_154\" id=\"tk_154\" style=\"left:65px;bottom:471px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"tl_154\" style=\"left:78px;bottom:455px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are Solely Payments of Principal and Interest (\u2018SPPI\u2019). </div><div class=\"t s7_154\" id=\"tm_154\" style=\"left:65px;bottom:430px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s current business model for all financial assets, with the exception of derivative </div><div class=\"t s7_154\" id=\"tn_154\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial instruments, is to hold to collect contractual cash flows, and all assets held give rise to cash </div><div class=\"t s7_154\" id=\"to_154\" style=\"left:65px;bottom:398px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">flows on specified dates that represent SPPI on the outstanding principal amount. All of the Group\u2019s </div><div class=\"t s7_154\" id=\"tp_154\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets are, therefore, currently classified as amortised cost, except for derivative financial </div><div class=\"t s7_154\" id=\"tq_154\" style=\"left:65px;bottom:366px;letter-spacing:-0.38px;display:inline;\">instruments which are held at FVTPL. Loans are recognised when funds are advanced to customers </div><div class=\"t s7_154\" id=\"tr_154\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;display:inline;\">and are carried at amortised cost using the Effective Interest Rate (\u2018EIR\u2019) method. </div><div class=\"t s7_154\" id=\"ts_154\" style=\"left:65px;bottom:328px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A debt instrument would be measured at FVOCI only if both the below conditions are met and it has </div><div class=\"t s7_154\" id=\"tt_154\" style=\"left:65px;bottom:312px;letter-spacing:-0.39px;display:inline;\">not been designated as FVTPL: </div><div class=\"t s8_154\" id=\"tu_154\" style=\"left:65px;bottom:289px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"tv_154\" style=\"left:78px;bottom:289px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the asset is held within a business model whose objective is achieved by both collecting its </div><div class=\"t s8_154\" id=\"tw_154\" style=\"left:78px;bottom:273px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">contractual cash flows and selling the financial asset; and </div><div class=\"t s8_154\" id=\"tx_154\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"ty_154\" style=\"left:78px;bottom:237px;letter-spacing:-0.38px;display:inline;\">represent SPPI on the outstanding principal amount. </div><div class=\"t s7_154\" id=\"tz_154\" style=\"left:65px;bottom:212px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group currently has no financial instruments classified as FVOCI. </div><div class=\"t s7_154\" id=\"t10_154\" style=\"left:65px;bottom:189px;letter-spacing:-0.38px;display:inline;\">See below for further details of the business model assessment and the SPPI test. </div><div class=\"t s7_154\" id=\"t11_154\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">On initial recognition of an equity investment that is not held for trading, the Group may irrevocably </div><div class=\"t s8_154\" id=\"t12_154\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;display:inline;\">elect to present subsequent changes in fair value in other comprehensive income. This election </div><div class=\"t s7_154\" id=\"t13_154\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">would be made on an investment-by-investment basis. The Group currently holds no </div><div class=\"t s8_154\" id=\"t14_154\" style=\"left:65px;bottom:119px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">such investments. </div><div class=\"t s7_154\" id=\"t15_154\" style=\"left:65px;bottom:96px;letter-spacing:-0.36px;word-spacing:-0.01px;display:inline;\">All other assets are classified as FVTPL. </div><div class=\"t s7_154\" id=\"t16_154\" style=\"left:65px;bottom:74px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets are not reclassified subsequent to their initial recognition, except in the period after </div><div class=\"t s7_154\" id=\"t17_154\" style=\"left:65px;bottom:58px;letter-spacing:-0.38px;display:inline;\">the Group changes its business model for managing financial assets. The Group has not reclassified </div><div class=\"t s8_154\" id=\"t18_154\" style=\"left:65px;bottom:42px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">any financial assets during the reporting period. </div><div class=\"t s6_154\" id=\"t19_154\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;display:inline;\">Assessment whether contractual cash flows are SPPI </div><div class=\"t s7_154\" id=\"t1a_154\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of this assessment, \u2018principal\u2019 is defined as the fair value of the financial asset on </div><div class=\"t s7_154\" id=\"t1b_154\" style=\"left:654px;bottom:704px;letter-spacing:-0.37px;display:inline;\">initial recognition. \u2018Interest\u2019 is defined as consideration for the cost of funds and for the credit risk </div><div class=\"t s8_154\" id=\"t1c_154\" style=\"left:654px;bottom:688px;letter-spacing:-0.38px;display:inline;\">associated with the principal amount outstanding during a particular period of time and for other </div><div class=\"t s7_154\" id=\"t1d_154\" style=\"left:654px;bottom:672px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">basic lending risks and costs (e.g. administrative costs), as well as profit margin. </div><div class=\"t s7_154\" id=\"t1e_154\" style=\"left:654px;bottom:649px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">In assessing whether the contractual cash flows are SPPI, the Group considers the contractual </div><div class=\"t s8_154\" id=\"t1f_154\" style=\"left:654px;bottom:633px;letter-spacing:-0.38px;display:inline;\">terms of the instrument. This includes assessing whether the financial asset contains a contractual </div><div class=\"t s8_154\" id=\"t1g_154\" style=\"left:654px;bottom:617px;letter-spacing:-0.38px;display:inline;\">term that could change the timing or amount of contractual cash flows such that it would not meet </div><div class=\"t s8_154\" id=\"t1h_154\" style=\"left:654px;bottom:601px;letter-spacing:-0.38px;display:inline;\">the condition. </div><div class=\"t s7_154\" id=\"t1i_154\" style=\"left:654px;bottom:578px;letter-spacing:-0.38px;display:inline;\">In making the assessment, the Group considers: </div><div class=\"t s8_154\" id=\"t1j_154\" style=\"left:654px;bottom:556px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 contingent events that would change the amount and timing of cash flows; </div><div class=\"t s8_154\" id=\"t1k_154\" style=\"left:654px;bottom:536px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1l_154\" style=\"left:667px;bottom:536px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">prepayments and extension terms; </div><div class=\"t s8_154\" id=\"t1m_154\" style=\"left:654px;bottom:515px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1n_154\" style=\"left:667px;bottom:515px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">terms that limit the Group\u2019s claim to cash flows from specific assets (e.g. non-recourse asset </div><div class=\"t s7_154\" id=\"t1o_154\" style=\"left:667px;bottom:499px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">arrangements); and </div><div class=\"t s8_154\" id=\"t1p_154\" style=\"left:654px;bottom:479px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1q_154\" style=\"left:667px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">features that modify consideration of the time value of money (e.g. periodical reset of </div><div class=\"t s7_154\" id=\"t1r_154\" style=\"left:667px;bottom:463px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">interest rate). </div><div class=\"t s7_154\" id=\"t1s_154\" style=\"left:654px;bottom:438px;letter-spacing:-0.38px;display:inline;\">The SPPI assessment of loans with ESG-linked features (\u2018green loans\u2019) is judgmental. These are loans </div><div class=\"t s7_154\" id=\"t1t_154\" style=\"left:654px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">where the interest cash flows are linked to certain ESG performance metrics and where analysis of </div><div class=\"t s8_154\" id=\"t1u_154\" style=\"left:654px;bottom:406px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the loans needs to be undertaken to assess whether the cash flows represent solely payments of </div><div class=\"t s7_154\" id=\"t1v_154\" style=\"left:654px;bottom:390px;letter-spacing:-0.38px;display:inline;\">principal and interest. In May 2024, the IASB issued amendments to IFRS 9 which included </div><div class=\"t s7_154\" id=\"t1w_154\" style=\"left:654px;bottom:374px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amendments impacting loans that contain ESG targets. The new requirements have been endorsed </div><div class=\"t s7_154\" id=\"t1x_154\" style=\"left:654px;bottom:358px;letter-spacing:-0.38px;display:inline;\">by the UK Endorsement Board and apply to accounting periods beginning on or after 1 January </div><div class=\"t s7_154\" id=\"t1y_154\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;display:inline;\">2026. The Group has early adopted these requirements and as a result continues to hold these </div><div class=\"t s8_154\" id=\"t1z_154\" style=\"left:654px;bottom:326px;letter-spacing:-0.38px;display:inline;\">loans at amortised cost. Prior to the issue of the new amendments, including for the year ended </div><div class=\"t s7_154\" id=\"t20_154\" style=\"left:654px;bottom:310px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">31 December 2024, the loans may have met the criteria to be recorded at fair value, however this </div><div class=\"t s7_154\" id=\"t21_154\" style=\"left:654px;bottom:294px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">would not have been material in the context of the overall value of loans and advances to customers. </div><div class=\"t s6_154\" id=\"t22_154\" style=\"left:654px;bottom:271px;letter-spacing:-0.39px;display:inline;\">Business model assessment </div><div class=\"t s7_154\" id=\"t23_154\" style=\"left:654px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group makes an assessment of the objective of a business model in which an asset is held at </div><div class=\"t s7_154\" id=\"t24_154\" style=\"left:654px;bottom:235px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">a portfolio level because this best reflects the way the business is managed and information is </div><div class=\"t s7_154\" id=\"t25_154\" style=\"left:654px;bottom:219px;letter-spacing:-0.39px;display:inline;\">provided to management. The information considered includes: </div><div class=\"t s8_154\" id=\"t26_154\" style=\"left:654px;bottom:196px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t27_154\" style=\"left:667px;bottom:196px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the stated policies and objectives for the portfolio and the operation of those policies in practice. </div><div class=\"t s7_154\" id=\"t28_154\" style=\"left:667px;bottom:180px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">In particular, whether management\u2019s strategy focuses on managing the portfolio in order to </div><div class=\"t s8_154\" id=\"t29_154\" style=\"left:667px;bottom:164px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">collect contractual cash flows or whether it is managed in order to trade to realise fair </div><div class=\"t s8_154\" id=\"t2a_154\" style=\"left:667px;bottom:148px;letter-spacing:-0.38px;display:inline;\">value changes; </div><div class=\"t s8_154\" id=\"t2b_154\" style=\"left:654px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 how the performance of the portfolio is evaluated and reports to management; </div><div class=\"t s8_154\" id=\"t2c_154\" style=\"left:654px;bottom:107px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t2d_154\" style=\"left:667px;bottom:107px;letter-spacing:-0.37px;display:inline;\">the risks that affect the performance of the business model (and the financial assets held within </div><div class=\"t s7_154\" id=\"t2e_154\" style=\"left:667px;bottom:91px;letter-spacing:-0.38px;display:inline;\">that business model) and how those risks are managed; and </div><div></div><div class=\"t s6_155\" id=\"t7_155\" style=\"left:65px;bottom:695px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 the frequency, volume and timing of sales in prior periods, the reasons for such sales and </div><div class=\"t s7_155\" id=\"t8_155\" style=\"left:78px;bottom:679px;letter-spacing:-0.38px;display:inline;\">itsexpectations about future sales activity. However, information about sales activity is not </div><div class=\"t s7_155\" id=\"t9_155\" style=\"left:78px;bottom:663px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">considered in isolation, but as part of an overall assessment of how the Group\u2019s stated objective </div><div class=\"t s6_155\" id=\"ta_155\" style=\"left:78px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for managing the financial assets is achieved and how cash flows are realised. </div><div class=\"t s7_155\" id=\"tb_155\" style=\"left:65px;bottom:623px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that are held for trading or managed and whose performance is evaluated on a fair </div><div class=\"t s7_155\" id=\"tc_155\" style=\"left:65px;bottom:607px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value basis are classified as FVTPL because they are neither held to collect contractual cash flows </div><div class=\"t s6_155\" id=\"td_155\" style=\"left:65px;bottom:591px;letter-spacing:-0.38px;display:inline;\">nor held both to collect contractual cash flows and to sell financial assets. </div><div class=\"t s8_155\" id=\"te_155\" style=\"left:65px;bottom:568px;letter-spacing:-0.4px;display:inline;\">Amortised cost measurement </div><div class=\"t s6_155\" id=\"tf_155\" style=\"left:65px;bottom:548px;letter-spacing:-0.37px;display:inline;\">The amortised cost of a financial asset or financial liability is the amount at which the financial asset </div><div class=\"t s6_155\" id=\"tg_155\" style=\"left:65px;bottom:532px;letter-spacing:-0.37px;display:inline;\">or financial liability is measured at initial recognition, plus or minus the cumulative amortisation </div><div class=\"t s7_155\" id=\"th_155\" style=\"left:65px;bottom:516px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">using the EIR, which is the rate that exactly discounts estimated future cash payments or receipts </div><div class=\"t s7_155\" id=\"ti_155\" style=\"left:65px;bottom:499px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">through the expected life of the financial instrument, minus any reduction for impairment. </div><div class=\"t s8_155\" id=\"tj_155\" style=\"left:65px;bottom:477px;letter-spacing:-0.38px;display:inline;\"><span>Derecognition of financial assets </span></div><div class=\"t s7_155\" id=\"tk_155\" style=\"left:65px;bottom:457px;letter-spacing:-0.38px;display:inline;\">Financial assets are derecognised when the rights to receive cash flows from the financial assets </div><div class=\"t s7_155\" id=\"tl_155\" style=\"left:65px;bottom:441px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">have expired or where the Group has transferred substantially all of the risks and rewards of </div><div class=\"t s6_155\" id=\"tm_155\" style=\"left:65px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">ownership or in the event of a substantial modification. There have not been any instances </div><div class=\"t s7_155\" id=\"tn_155\" style=\"left:65px;bottom:408px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>where assets have only been partially derecognised. </span></div><div class=\"t s8_155\" id=\"to_155\" style=\"left:65px;bottom:386px;letter-spacing:-0.39px;display:inline;\"><span>Modification of loans </span></div><div class=\"t s7_155\" id=\"tp_155\" style=\"left:65px;bottom:366px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A customer\u2019s account may be modified to assist customers who are in, or have recently overcome, </div><div class=\"t s6_155\" id=\"tq_155\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial difficulties and have demonstrated both the ability and willingness to meet the current or </div><div class=\"t s6_155\" id=\"tr_155\" style=\"left:65px;bottom:333px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modified loan contractual payments. Substantial loan modifications result in the derecognition of </div><div class=\"t s7_155\" id=\"ts_155\" style=\"left:65px;bottom:317px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the existing loan, and the recognition of a new loan at the new origination EIR based on the expected </div><div class=\"t s7_155\" id=\"tt_155\" style=\"left:65px;bottom:301px;letter-spacing:-0.38px;display:inline;\">future cash flows at origination. Determination of the origination Probability of Default (\u2018PD\u2019) for </div><div class=\"t s7_155\" id=\"tu_155\" style=\"left:65px;bottom:285px;letter-spacing:-0.37px;display:inline;\">the new loan is required, based on the PD as at the date of the modification, which is used for the </div><div class=\"t s6_155\" id=\"tv_155\" style=\"left:65px;bottom:269px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation of the impairment provision against the new loan. Any deferred fees or deferred </div><div class=\"t s6_155\" id=\"tw_155\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;display:inline;\">interest, and any difference between the carrying value of the derecognised loan and the new </div><div class=\"t s7_155\" id=\"tx_155\" style=\"left:65px;bottom:237px;letter-spacing:-0.38px;display:inline;\">loan, is written-off to the income statement on recognition of the new loan. </div><div class=\"t s7_155\" id=\"ty_155\" style=\"left:65px;bottom:215px;letter-spacing:-0.38px;display:inline;\">Where the modification is not considered to be substantial, neither the origination EIR nor the </div><div class=\"t s6_155\" id=\"tz_155\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;display:inline;\">origination probability of default for the modified loan changes. The net present value of changes </div><div class=\"t s7_155\" id=\"t10_155\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">to the future contractual cash flows adjusts the carrying amount of the original asset with the </div><div class=\"t s7_155\" id=\"t11_155\" style=\"left:65px;bottom:167px;letter-spacing:-0.38px;display:inline;\">difference immediately being recognised in profit or loss. The adjusted carrying amount is then </div><div class=\"t s7_155\" id=\"t12_155\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>amortised over the remaining term of the modified loan using the original EIR.</span> </div><div class=\"t s8_155\" id=\"t13_155\" style=\"left:65px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\"><span>Financial liabilities (with the exception of derivative financial instruments) </span></div><div class=\"t s7_155\" id=\"t14_155\" style=\"left:65px;bottom:108px;letter-spacing:-0.37px;display:inline;\">The Group classifies its financial liabilities as measured at amortised cost. Such financial liabilities </div><div class=\"t s7_155\" id=\"t15_155\" style=\"left:65px;bottom:92px;letter-spacing:-0.38px;display:inline;\">are recognised when cash is received from depositors and carried at amortised cost using the EIR </div><div class=\"t s7_155\" id=\"t16_155\" style=\"left:65px;bottom:76px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">method. Financial liabilities are derecognised when they are extinguished (i.e. when the obligation </div><div class=\"t s7_155\" id=\"t17_155\" style=\"left:65px;bottom:59px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>specified in the contract is discharged, cancelled or expires).</span> </div><div class=\"t s8_155\" id=\"t18_155\" style=\"left:654px;bottom:740px;letter-spacing:-0.37px;display:inline;\"><span>Offsetting of financial assets and financial liabilities </span></div><div class=\"t s7_155\" id=\"t19_155\" style=\"left:654px;bottom:720px;letter-spacing:-0.37px;display:inline;\">Financial assets and financial liabilities are not offset in the consolidated financial statements unless </div><div class=\"t s7_155\" id=\"t1a_155\" style=\"left:654px;bottom:704px;letter-spacing:-0.37px;display:inline;\"><span>the Group has both a legally enforceable right and intention to offset.</span> </div><div class=\"t s4_155\" id=\"t1b_155\" style=\"left:654px;bottom:679px;letter-spacing:-0.21px;word-spacing:0.02px;display:inline;\"><span>1.5. Foreign currencies </span></div><div class=\"t s7_155\" id=\"t1c_155\" style=\"left:654px;bottom:659px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Transactions in foreign currencies are initially recorded at the rates of exchange prevailing on the </div><div class=\"t s7_155\" id=\"t1d_155\" style=\"left:654px;bottom:643px;letter-spacing:-0.38px;display:inline;\">dates of the transactions. Monetary assets and liabilities denominated in foreign currencies are </div><div class=\"t s7_155\" id=\"t1e_155\" style=\"left:654px;bottom:627px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">retranslated into the Company\u2019s functional currency at the rates prevailing on the consolidated </div><div class=\"t s7_155\" id=\"t1f_155\" style=\"left:654px;bottom:611px;letter-spacing:-0.38px;display:inline;\">statement of financial position date. Exchange differences arising on the settlement of monetary </div><div class=\"t s6_155\" id=\"t1g_155\" style=\"left:654px;bottom:595px;letter-spacing:-0.38px;display:inline;\">items, and on the retranslation of monetary items, are included in the income statement for </div><span>the period.</span><span>Interest income and expense accounting policy </span><div class=\"t s3_158\" id=\"t4_158\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For all financial instruments measured at amortised cost, the EIR method is used to measure </div><div class=\"t s3_158\" id=\"t5_158\" style=\"left:671px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the carrying value and allocate interest income or expense. The EIR is the rate that exactly </div><div class=\"t s3_158\" id=\"t6_158\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">discounts estimated future cash payments or receipts through the expected life of the </div><div class=\"t s3_158\" id=\"t7_158\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">financial instrument to: </div><div class=\"t s4_158\" id=\"t8_158\" style=\"left:671px;bottom:632px;letter-spacing:-0.38px;word-spacing:0.32px;display:inline;\">\u2022 the gross carrying amount of the financial asset; or </div><div class=\"t s4_158\" id=\"t9_158\" style=\"left:671px;bottom:611px;letter-spacing:-0.39px;word-spacing:0.44px;display:inline;\">\u2022 the amortised cost of the financial liability. </div><div class=\"t s3_158\" id=\"ta_158\" style=\"left:671px;bottom:587px;letter-spacing:-0.37px;display:inline;\">In calculating the EIR for financial instruments, other than assets that were credit impaired </div><div class=\"t s3_158\" id=\"tb_158\" style=\"left:671px;bottom:571px;letter-spacing:-0.38px;display:inline;\">on initial recognition, the Group estimates cash flows considering all contractual terms of the </div><div class=\"t s3_158\" id=\"tc_158\" style=\"left:671px;bottom:555px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial instrument (for example, early redemption penalty charges and broker commissions) </div><div class=\"t s4_158\" id=\"td_158\" style=\"left:671px;bottom:539px;letter-spacing:-0.38px;display:inline;\">and anticipated customer behaviour but does not consider future credit losses. </div><div class=\"t s3_158\" id=\"te_158\" style=\"left:671px;bottom:516px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The calculation of the EIR includes all fees received and paid that are an integral part of the </div><div class=\"t s4_158\" id=\"tf_158\" style=\"left:671px;bottom:500px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">loan, transaction costs and all other premiums or discounts. Transaction costs include </div><div class=\"t s4_158\" id=\"tg_158\" style=\"left:671px;bottom:484px;letter-spacing:-0.37px;display:inline;\">incremental costs that are directly attributable to the acquisition or issue of a </div><div class=\"t s4_158\" id=\"th_158\" style=\"left:671px;bottom:468px;letter-spacing:-0.38px;display:inline;\">financial instrument. </div><div class=\"t s3_158\" id=\"ti_158\" style=\"left:671px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that are not considered to be credit-impaired (\u2018Stage 1\u2019 and \u2018Stage 2\u2019 </div><div class=\"t s3_158\" id=\"tj_158\" style=\"left:671px;bottom:429px;letter-spacing:-0.38px;display:inline;\">assets), interest income is recognised by applying the EIR to the gross carrying amount of </div><div class=\"t s3_158\" id=\"tk_158\" style=\"left:671px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the financial asset. For financial assets that become credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"tl_158\" style=\"left:671px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">recognition (\u2018Stage 3\u2019 assets), from the next reporting period onwards interest income is </div><div class=\"t s3_158\" id=\"tm_158\" style=\"left:671px;bottom:381px;letter-spacing:-0.38px;display:inline;\">recognised by applying the EIR to the amortised cost of the financial asset. The credit risk </div><div class=\"t s3_158\" id=\"tn_158\" style=\"left:671px;bottom:365px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of financial assets that become credit-impaired are not expected to improve such that they </div><div class=\"t s3_158\" id=\"to_158\" style=\"left:671px;bottom:349px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">are no longer considered credit-impaired, however, if this were to occur, the calculation of </div><div class=\"t s3_158\" id=\"tp_158\" style=\"left:671px;bottom:333px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest income would revert back to the gross basis. The Group\u2019s definition of Stage 1, </div><div class=\"t s3_158\" id=\"tq_158\" style=\"left:671px;bottom:317px;letter-spacing:-0.37px;display:inline;\">Stage 2 and Stage 3 assets is set out in Note 17. </div><div class=\"t s3_158\" id=\"tr_158\" style=\"left:671px;bottom:295px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that were credit-impaired on initial recognition (\u2018POCI\u2019 assets), </div><div class=\"t s3_158\" id=\"ts_158\" style=\"left:671px;bottom:278px;letter-spacing:-0.38px;display:inline;\">income is calculated by applying the credit adjusted EIR to the amortised cost of the asset. </div><div class=\"t s4_158\" id=\"tt_158\" style=\"left:671px;bottom:262px;letter-spacing:-0.37px;display:inline;\">Collection activity costs are not included in the amortised cost of the assets, but are included </div><div class=\"t s3_158\" id=\"tu_158\" style=\"left:671px;bottom:246px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in operating expenses in the income statement, and are recognised as incurred, in common </div><div class=\"t s3_158\" id=\"tv_158\" style=\"left:671px;bottom:230px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">with other businesses in the sector. For such financial assets the calculation of interest income </div><div class=\"t s4_158\" id=\"tw_158\" style=\"left:671px;bottom:214px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">will never revert to a gross basis, even if the credit risk of the asset improves. </div><div class=\"t s3_158\" id=\"tx_158\" style=\"left:671px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further details regarding when an asset becomes credit-impaired subsequent to initial </div><span>recognition is provided within Note 17.</span><span>Fee and commission accounting policy </span><div class=\"t s7_159\" id=\"t1e_159\" style=\"left:82px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Fees and commission income that is not considered an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1f_159\" style=\"left:82px;bottom:227px;letter-spacing:-0.38px;display:inline;\">instrument are recognised under IFRS 15 when the Group satisfies performance obligations </div><div class=\"t s8_159\" id=\"t1g_159\" style=\"left:82px;bottom:211px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">by transferring promised services to customers and presented in the income statement as </div><div class=\"t s7_159\" id=\"t1h_159\" style=\"left:82px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">fee and commission income. All of the Group\u2019s fees and commissions relate to performance </div><div class=\"t s8_159\" id=\"t1i_159\" style=\"left:82px;bottom:179px;letter-spacing:-0.37px;display:inline;\">obligations that are recognised at a point in time. </div><div class=\"t s7_159\" id=\"t1j_159\" style=\"left:82px;bottom:157px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Fees and commission income and expenses that are an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1k_159\" style=\"left:82px;bottom:141px;letter-spacing:-0.38px;display:inline;\">instrument are included in the EIR and presented in the income statement as interest income </div><div class=\"t s7_159\" id=\"t1l_159\" style=\"left:82px;bottom:125px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">or expense. </div><div class=\"t s7_159\" id=\"t1m_159\" style=\"left:82px;bottom:102px;letter-spacing:-0.38px;display:inline;\">No significant judgements are made in evaluating when a customer obtains control of </div><span>promised goods or services.</span><span>Derivative financial instruments accounting policy </span><div class=\"t s8_160\" id=\"t10_160\" style=\"left:671px;bottom:702px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group enters into derivatives to manage exposures to fluctuations in interest rates. </div><div class=\"t s8_160\" id=\"t11_160\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Derivatives are not used for speculative purposes. Derivatives are carried at fair value, with </div><div class=\"t s9_160\" id=\"t12_160\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">movements in fair value recognised in the income statement or other comprehensive income. </div><div class=\"t s8_160\" id=\"t13_160\" style=\"left:671px;bottom:654px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivatives are valued by discounted cash flow models using yield curves based on Overnight </div><div class=\"t s8_160\" id=\"t14_160\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Indexed Swap (\u2018OIS\u2019) rates. Derivatives are carried as assets where fair value is positive and as </div><div class=\"t s8_160\" id=\"t15_160\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">liabilities when fair value is negative where they are not offset. Derivatives are offset in the </div><div class=\"t s8_160\" id=\"t16_160\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements where the Group has both a legally enforceable right and </div><div class=\"t s9_160\" id=\"t17_160\" style=\"left:671px;bottom:590px;letter-spacing:-0.37px;display:inline;\">intention to offset. </div><div class=\"t s8_160\" id=\"t18_160\" style=\"left:671px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group does not hold contracts containing embedded derivatives. </div><div class=\"t s9_160\" id=\"t19_160\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Where cash collateral is received, to mitigate the risk inherent in the amounts due to the </div><div class=\"t s8_160\" id=\"t1a_160\" style=\"left:671px;bottom:529px;letter-spacing:-0.37px;display:inline;\">Group, it is included as a liability within the due to banks line within the statement of financial </div><div class=\"t s9_160\" id=\"t1b_160\" style=\"left:671px;bottom:513px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">position. Where cash collateral is given, to mitigate the risk inherent in amounts due from the </div><div class=\"t s8_160\" id=\"t1c_160\" style=\"left:671px;bottom:497px;letter-spacing:-0.37px;display:inline;\">Group, it is included as an asset in the loans and advances to banks line within the statement </div><div class=\"t s9_160\" id=\"t1d_160\" style=\"left:671px;bottom:481px;letter-spacing:-0.38px;display:inline;\">of financial position. Where cash collateral meets the requirements of offsetting, it is included </div><div class=\"t s9_160\" id=\"t1e_160\" style=\"left:671px;bottom:465px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>within derivatives. </span></div><div class=\"t sa_160\" id=\"t1f_160\" style=\"left:671px;bottom:442px;letter-spacing:-0.39px;display:inline;\"><span>Hedge accounting </span></div><div class=\"t s8_160\" id=\"t1g_160\" style=\"left:671px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Following the implementation of IFRS 9, the Group elected to apply IAS 39 for all of its hedge </div><div class=\"t s8_160\" id=\"t1h_160\" style=\"left:671px;bottom:406px;letter-spacing:-0.38px;display:inline;\">accounting requirements. When transactions meet specified criteria the Group can apply two </div><div class=\"t s8_160\" id=\"t1i_160\" style=\"left:671px;bottom:390px;letter-spacing:-0.38px;display:inline;\">types of hedge accounting: </div><div class=\"t s9_160\" id=\"t1j_160\" style=\"left:671px;bottom:367px;display:inline;\">\u2022 </div><div class=\"t s8_160\" id=\"t1k_160\" style=\"left:684px;bottom:367px;letter-spacing:-0.37px;display:inline;\">hedges of the fair value of recognised assets or liabilities or firm commitments (fair value </div><div class=\"t s8_160\" id=\"t1l_160\" style=\"left:684px;bottom:351px;letter-spacing:-0.38px;display:inline;\">hedges); and </div><div class=\"t s9_160\" id=\"t1m_160\" style=\"left:671px;bottom:331px;letter-spacing:-0.37px;word-spacing:0.21px;display:inline;\">\u2022 hedges of highly probable future cash flows attributable to a recognised asset or liability </div><div class=\"t s8_160\" id=\"t1n_160\" style=\"left:684px;bottom:315px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(cash flow hedges). </div><div class=\"t s8_160\" id=\"t1o_160\" style=\"left:671px;bottom:290px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group does not have hedges of net investments. </div><div class=\"t s8_160\" id=\"t1p_160\" style=\"left:671px;bottom:268px;letter-spacing:-0.38px;display:inline;\">At inception of a hedge, the Group formally documents the relationship between the </div><div class=\"t s8_160\" id=\"t1q_160\" style=\"left:671px;bottom:252px;letter-spacing:-0.38px;display:inline;\">hedged items and hedging instruments, as well as its risk management objective and </div><div class=\"t s8_160\" id=\"t1r_160\" style=\"left:671px;bottom:236px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">strategy for undertaking various hedge transactions. The Group also documents its </div><div class=\"t s9_160\" id=\"t1s_160\" style=\"left:671px;bottom:220px;letter-spacing:-0.38px;display:inline;\">assessment, both at hedge inception and on an ongoing basis, of whether the derivatives </div><div class=\"t s8_160\" id=\"t1t_160\" style=\"left:671px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that are used in hedging transactions are highly effective in offsetting changes in fair values of </div><div class=\"t s8_160\" id=\"t1u_160\" style=\"left:671px;bottom:187px;letter-spacing:-0.38px;display:inline;\">the hedged items (i.e. the fair value offset between the hedged item and hedging instrument is </div><div class=\"t s8_160\" id=\"t1v_160\" style=\"left:671px;bottom:171px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">within the 80\u2013125% range). </div><div class=\"t s8_160\" id=\"t1w_160\" style=\"left:671px;bottom:149px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When the European Union adopted IAS 39 in 2004, it removed certain hedge accounting </div><div class=\"t s8_160\" id=\"t1x_160\" style=\"left:671px;bottom:133px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">requirements, commonly referred to as the EU carve-out. The relaxed requirements under </div><div class=\"t s8_160\" id=\"t1y_160\" style=\"left:671px;bottom:117px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">the carve-out allow the Group to apply the \u2018bottom up\u2019 method when calculating macro-hedge </div><div class=\"t s8_160\" id=\"t1z_160\" style=\"left:671px;bottom:101px;letter-spacing:-0.38px;display:inline;\">ineffectiveness. This option is not allowed under full IFRS. The Group has applied this </div><div class=\"t s8_160\" id=\"t20_160\" style=\"left:671px;bottom:85px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">carve-out, which is permitted under UK-adopted IAS 39, accordingly. </div><div></div><div class=\"t s2_161\" id=\"t3_161\" style=\"left:82px;bottom:699px;letter-spacing:-0.39px;display:inline;\">Fair value hedge accounting </div><div class=\"t s3_161\" id=\"t4_161\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\">Fair value hedge accounting results in the carrying value of the hedged item being adjusted </div><div class=\"t s3_161\" id=\"t5_161\" style=\"left:82px;bottom:663px;letter-spacing:-0.37px;display:inline;\">to reflect changes in fair value attributable to the hedged risk, thereby offsetting the effect </div><div class=\"t s3_161\" id=\"t6_161\" style=\"left:82px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of the related movement in the fair value of the derivative. Changes in the fair value of </div><div class=\"t s4_161\" id=\"t7_161\" style=\"left:82px;bottom:631px;letter-spacing:-0.38px;display:inline;\">derivatives and hedged items that are designated and qualify as fair value hedges are </div><div class=\"t s4_161\" id=\"t8_161\" style=\"left:82px;bottom:614px;letter-spacing:-0.38px;display:inline;\">recorded in the income statement. </div><div class=\"t s3_161\" id=\"t9_161\" style=\"left:82px;bottom:592px;letter-spacing:-0.38px;display:inline;\">In a one-to-one hedging relationship, in which a single derivative hedges a single hedged item, </div><div class=\"t s3_161\" id=\"ta_161\" style=\"left:82px;bottom:576px;letter-spacing:-0.37px;display:inline;\">the carrying value of the underlying asset or liability (the hedged item) is adjusted for the </div><div class=\"t s3_161\" id=\"tb_161\" style=\"left:82px;bottom:560px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hedged risk to offset the fair value movement of the related derivative. In the case of a </div><div class=\"t s3_161\" id=\"tc_161\" style=\"left:82px;bottom:544px;letter-spacing:-0.38px;display:inline;\">portfolio hedge, an adjustment is included in the fair value adjustments for portfolio hedged </div><div class=\"t s4_161\" id=\"td_161\" style=\"left:82px;bottom:528px;letter-spacing:-0.38px;display:inline;\">risk line in the statement of financial position to offset the fair value movements in the related </div><div class=\"t s3_161\" id=\"te_161\" style=\"left:82px;bottom:512px;letter-spacing:-0.38px;display:inline;\">derivative. The Group currently only designates portfolio hedges. </div><div class=\"t s3_161\" id=\"tf_161\" style=\"left:82px;bottom:489px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">If the hedge no longer meets the criteria for hedge accounting, expires or is terminated, the </div><div class=\"t s3_161\" id=\"tg_161\" style=\"left:82px;bottom:473px;letter-spacing:-0.38px;display:inline;\">cumulative fair value adjustment to the carrying amount of a hedged item is amortised to the </div><div class=\"t s4_161\" id=\"th_161\" style=\"left:82px;bottom:457px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">income statement over the period to maturity of the previously designated hedge relationship </div><div class=\"t s3_161\" id=\"ti_161\" style=\"left:82px;bottom:441px;letter-spacing:-0.38px;display:inline;\">and recorded as net interest income. If the underlying item is sold or repaid, the unamortised </div><div class=\"t s3_161\" id=\"tj_161\" style=\"left:82px;bottom:425px;letter-spacing:-0.38px;display:inline;\">fair value adjustment is immediately recognised in the income statement. </div><div class=\"t s2_161\" id=\"tk_161\" style=\"left:82px;bottom:402px;letter-spacing:-0.39px;display:inline;\">Cash flow hedge accounting </div><div class=\"t s4_161\" id=\"tl_161\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">The effective portion of changes in the fair value of derivatives that are designated and qualify </div><div class=\"t s4_161\" id=\"tm_161\" style=\"left:82px;bottom:366px;letter-spacing:-0.38px;display:inline;\">as cash flow hedges are recognised in other comprehensive income and presented in the cash </div><div class=\"t s4_161\" id=\"tn_161\" style=\"left:82px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">flow hedge reserve in equity. Any ineffective portion of changes in the fair value of the </div><div class=\"t s4_161\" id=\"to_161\" style=\"left:82px;bottom:334px;letter-spacing:-0.38px;display:inline;\">derivative is recognised immediately in the income statement. Amounts recognised in the </div><div class=\"t s4_161\" id=\"tp_161\" style=\"left:82px;bottom:318px;letter-spacing:-0.38px;display:inline;\">cash flow hedge reserve are subsequently reclassified to the income statement when the </div><div class=\"t s3_161\" id=\"tq_161\" style=\"left:82px;bottom:302px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">underlying asset or liability being hedged impacts the income statement, for example, when </div><div class=\"t s4_161\" id=\"tr_161\" style=\"left:82px;bottom:286px;letter-spacing:-0.38px;display:inline;\">interest payments are recognised, and are recorded in the same income statement line in </div><div class=\"t s3_161\" id=\"ts_161\" style=\"left:82px;bottom:270px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which the income or expense associated with the related hedged item is reported. </div><div class=\"t s3_161\" id=\"tt_161\" style=\"left:82px;bottom:247px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria </div><div class=\"t s3_161\" id=\"tu_161\" style=\"left:82px;bottom:231px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for hedge accounting, any cumulative gain or loss existing in equity at that time remains in </div><div class=\"t s4_161\" id=\"tv_161\" style=\"left:82px;bottom:215px;letter-spacing:-0.38px;display:inline;\">equity and is recognised in the periods when the hedged item affects the income statement. </div><div class=\"t s3_161\" id=\"tw_161\" style=\"left:82px;bottom:199px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When a forecast transaction is no longer expected to occur (for example, the recognised </div><div class=\"t s3_161\" id=\"tx_161\" style=\"left:82px;bottom:183px;letter-spacing:-0.38px;display:inline;\">hedged item is disposed of), the cumulative gain or loss previously recognised in other </div><div class=\"t s4_161\" id=\"ty_161\" style=\"left:82px;bottom:167px;letter-spacing:-0.38px;display:inline;\">comprehensive income is immediately reclassified to the income statement. </div><div class=\"t s4_161\" id=\"tz_161\" style=\"left:82px;bottom:145px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The cash flow hedge reserve represents the cumulative amount of gains and losses on </div><div class=\"t s4_161\" id=\"t10_161\" style=\"left:82px;bottom:129px;letter-spacing:-0.39px;display:inline;\">hedging instruments deemed effective in cash flow hedges. The cumulative deferred gain </div><div class=\"t s3_161\" id=\"t11_161\" style=\"left:82px;bottom:112px;letter-spacing:-0.38px;display:inline;\">or loss on the hedging instrument is recognised in profit or loss only when the hedged </div><div class=\"t s3_161\" id=\"t12_161\" style=\"left:82px;bottom:96px;letter-spacing:-0.37px;display:inline;\">transaction impacts the profit or loss, or is included directly in the initial cost or other </div><span>carrying amount of the hedged non-financial items (basis adjustment).</span><span>Post-retirement obligations accounting policy </span><div class=\"t s3_161\" id=\"t2c_161\" style=\"left:671px;bottom:366px;letter-spacing:-0.38px;display:inline;\">The Group contributes to defined contribution schemes for the benefit of certain employees. </div><div class=\"t s3_161\" id=\"t2d_161\" style=\"left:671px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The schemes are funded through payments to insurance companies or trustee-administered </div><div class=\"t s3_161\" id=\"t2e_161\" style=\"left:671px;bottom:334px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">funds at the contribution rates agreed with individual employees. The Group has no further </div><div class=\"t s4_161\" id=\"t2f_161\" style=\"left:671px;bottom:318px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">payment obligations once the contributions have been paid. The contributions are recognised </div><div class=\"t s3_161\" id=\"t2g_161\" style=\"left:671px;bottom:302px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">as an employee benefit expense when they are due. There are no post-retirement benefits </div><span>other than pensions.</span><span>Exceptional items accounting policy </span><div class=\"t s3_162\" id=\"t27_162\" style=\"left:671px;bottom:338px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Exceptional items are expenses that do not relate to the Group\u2019s core activities, which are </div><span>material in the context of the Group\u2019s performance. </span><span>Income tax accounting policy </span><div class=\"t s6_163\" id=\"t1p_163\" style=\"left:82px;bottom:190px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Current income tax, which is payable on taxable profits, is recognised as an expense in the </div><div class=\"t s7_163\" id=\"t1q_163\" style=\"left:82px;bottom:174px;letter-spacing:-0.37px;display:inline;\">period in which the profits arise. </div><div class=\"t s6_163\" id=\"t1r_163\" style=\"left:82px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Deferred tax is provided in full on temporary differences arising between the tax bases of </div><div class=\"t s7_163\" id=\"t1s_163\" style=\"left:82px;bottom:135px;letter-spacing:-0.37px;display:inline;\">assets and liabilities and their carrying amounts in the consolidated financial statements. </div><div class=\"t s6_163\" id=\"t1t_163\" style=\"left:82px;bottom:119px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Deferred tax is determined using tax rates and laws that have been enacted or substantially </div><div class=\"t s6_163\" id=\"t1u_163\" style=\"left:82px;bottom:103px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">enacted by the statement of financial position date and are expected to apply when the </div><div class=\"t s6_163\" id=\"t1v_163\" style=\"left:82px;bottom:87px;letter-spacing:-0.37px;display:inline;\">related deferred tax asset is realised or the deferred tax liability is settled. </div><span>The Group is currently outside the scope of Pillar 2 (for tax purposes).</span><span>Dividends accounting policy </span><div class=\"t s5_164\" id=\"tx_164\" style=\"left:82px;bottom:451px;letter-spacing:-0.38px;display:inline;\">Final dividends on ordinary shares are recognised in equity in the period in which they are </div><div class=\"t s5_164\" id=\"ty_164\" style=\"left:82px;bottom:435px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">approved by shareholders. Interim dividends on ordinary shares are recognised in equity in </div><span>the period in which they are paid.</span><span>The accounting policy for loans and advances to customers is included in Note 1.4 Financial </span><span>assets and financial liabilities accounting policy.</span><span>Lessor accounting policy </span><div class=\"t s5_165\" id=\"t1q_165\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;display:inline;\">The present value of the lease payments on assets leased to customers under agreements </div><div class=\"t s5_165\" id=\"t1r_165\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;display:inline;\">that transfer substantially all the risks and rewards of ownership, with or without ultimate </div><div class=\"t s5_165\" id=\"t1s_165\" style=\"left:671px;bottom:670px;letter-spacing:-0.37px;display:inline;\">legal title, are recognised as a receivable. The difference between the gross receivable and </div><div class=\"t s4_165\" id=\"t1t_165\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">the present value of the receivable is recognised as unearned finance income. Lease income </div><div class=\"t s4_165\" id=\"t1u_165\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">is recognised over the term of the lease using the net investment method, which reflects a </div><span>constant periodic rate of return. </span><span>Impairment of financial assets and loan commitments accounting policy </span><div class=\"t s5_169\" id=\"t6_169\" style=\"left:82px;bottom:680px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">The Group recognises loss allowances for Expected Credit Losses (\u2018ECL\u2019) on all financial assets </div><div class=\"t s6_169\" id=\"t7_169\" style=\"left:82px;bottom:664px;letter-spacing:-0.38px;display:inline;\">carried at amortised cost, including lease receivables and loan commitments. Credit loss </div><div class=\"t s5_169\" id=\"t8_169\" style=\"left:82px;bottom:648px;letter-spacing:-0.38px;display:inline;\">allowances on Stage 1 assets are measured as an amount equal to 12-month ECL and credit loss </div><div class=\"t s5_169\" id=\"t9_169\" style=\"left:82px;bottom:632px;letter-spacing:-0.37px;word-spacing:-0.01px;display:inline;\">allowances on Stage 2, and Stage 3 assets are measured as an amount equal to lifetime ECL. </div><div class=\"t s4_169\" id=\"ta_169\" style=\"left:82px;bottom:609px;letter-spacing:-0.38px;display:inline;\">Stage 1 assets </div><div class=\"t s6_169\" id=\"tb_169\" style=\"left:82px;bottom:589px;letter-spacing:-0.38px;display:inline;\">Stage 1 assets comprise of the following. </div><div class=\"t s6_169\" id=\"tc_169\" style=\"left:82px;bottom:566px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"td_169\" style=\"left:95px;bottom:566px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets determined to have low credit risk at the reporting date. </div><div class=\"t s6_169\" id=\"te_169\" style=\"left:82px;bottom:546px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"tf_169\" style=\"left:95px;bottom:546px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that have not experienced a significant increase in credit risk since their </div><div class=\"t s5_169\" id=\"tg_169\" style=\"left:95px;bottom:530px;letter-spacing:-0.37px;display:inline;\">initial recognition. </div><div class=\"t s6_169\" id=\"th_169\" style=\"left:82px;bottom:510px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"ti_169\" style=\"left:95px;bottom:510px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that have experienced a significant increase in credit risk since their </div><div class=\"t s5_169\" id=\"tj_169\" style=\"left:95px;bottom:494px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">initial recognition, but have subsequently met the Group\u2019s cure policy, as set out on the </div><div class=\"t s6_169\" id=\"tk_169\" style=\"left:95px;bottom:477px;letter-spacing:-0.38px;display:inline;\">following page. </div><div class=\"t s6_169\" id=\"tl_169\" style=\"left:82px;bottom:453px;letter-spacing:-0.38px;word-spacing:-0.02px;display:inline;\">A low credit risk asset is considered to have low credit risk when its credit risk rating is equivalent </div><div class=\"t s5_169\" id=\"tm_169\" style=\"left:82px;bottom:437px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">to the widely understood definition of \u2018investment grade\u2019 assets. This is not applicable to loans </div><div class=\"t s5_169\" id=\"tn_169\" style=\"left:82px;bottom:421px;letter-spacing:-0.38px;display:inline;\">and advances to customers, but the Group has assessed all its debt securities, which represents </div><div class=\"t s6_169\" id=\"to_169\" style=\"left:82px;bottom:405px;letter-spacing:-0.37px;display:inline;\">gilts, to be low credit risk. </div><div class=\"t s4_169\" id=\"tp_169\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">Stage 2 assets </div><div class=\"t s5_169\" id=\"tq_169\" style=\"left:82px;bottom:362px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loans and advances to customers that have experienced a significant increase in credit risk since </div><div class=\"t s5_169\" id=\"tr_169\" style=\"left:82px;bottom:346px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">their initial recognition and have not subsequently met the Group\u2019s cure policy are classified as </div><div class=\"t s6_169\" id=\"ts_169\" style=\"left:82px;bottom:330px;letter-spacing:-0.38px;display:inline;\">Stage 2 assets. </div><div class=\"t s5_169\" id=\"tt_169\" style=\"left:82px;bottom:307px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group\u2019s definitions of a significant increase in credit risk and default are set out on the </div><div class=\"t s6_169\" id=\"tu_169\" style=\"left:82px;bottom:291px;letter-spacing:-0.38px;display:inline;\">following page. </div><div class=\"t s5_169\" id=\"tv_169\" style=\"left:82px;bottom:269px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">For Consumer Finance, the credit risk of a financial asset is considered to have experienced a </div><div class=\"t s6_169\" id=\"tw_169\" style=\"left:82px;bottom:252px;letter-spacing:-0.37px;display:inline;\">significant increase in credit risk since initial recognition where there has been a significant </div><div class=\"t s5_169\" id=\"tx_169\" style=\"left:82px;bottom:236px;letter-spacing:-0.38px;display:inline;\">increase in the remaining lifetime probability of default of the asset. The Group may also use its </div><div class=\"t s5_169\" id=\"ty_169\" style=\"left:82px;bottom:220px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expert credit judgement, and where possible, relevant historical and current performance data, </div><div class=\"t s5_169\" id=\"tz_169\" style=\"left:82px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">including bureau data, to determine that an exposure has undergone a significant increase in </div><div class=\"t s6_169\" id=\"t10_169\" style=\"left:82px;bottom:188px;letter-spacing:-0.37px;display:inline;\">credit risk. </div><div class=\"t s5_169\" id=\"t11_169\" style=\"left:654px;bottom:700px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">For Business Finance, the credit risk of a financial asset is considered to have experienced a </div><div class=\"t s6_169\" id=\"t12_169\" style=\"left:654px;bottom:684px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">significant increase in credit risk where certain early warning indicators apply. These indicators </div><div class=\"t s5_169\" id=\"t13_169\" style=\"left:654px;bottom:668px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">may include notification of county court judgements or, specifically for the Real Estate Finance </div><div class=\"t s5_169\" id=\"t14_169\" style=\"left:654px;bottom:652px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">portfolio, cost over-runs and timing delays experienced by borrowers. </div><div class=\"t s5_169\" id=\"t15_169\" style=\"left:654px;bottom:630px;letter-spacing:-0.37px;display:inline;\">As a backstop, the Group considers that a significant increase in credit risk occurs no later than </div><div class=\"t s6_169\" id=\"t16_169\" style=\"left:654px;bottom:614px;letter-spacing:-0.38px;display:inline;\">when an asset is more than 30 days past due for all portfolios. </div><div class=\"t s4_169\" id=\"t17_169\" style=\"left:654px;bottom:591px;letter-spacing:-0.38px;display:inline;\">Stage 3 assets </div><div class=\"t s5_169\" id=\"t18_169\" style=\"left:654px;bottom:571px;letter-spacing:-0.38px;display:inline;\">At each reporting date, the Group assesses whether financial assets carried at amortised cost </div><div class=\"t s5_169\" id=\"t19_169\" style=\"left:654px;bottom:555px;letter-spacing:-0.37px;display:inline;\">are credit-impaired or defaulted (Stage 3). A financial asset is considered to be credit-impaired </div><div class=\"t s6_169\" id=\"t1a_169\" style=\"left:654px;bottom:539px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">when an event or events that have a detrimental impact on estimated future cash flows have </div><div class=\"t s6_169\" id=\"t1b_169\" style=\"left:654px;bottom:523px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">occurred, or have other specific unlikeliness to pay indicators. Evidence that a financial asset is </div><div class=\"t s5_169\" id=\"t1c_169\" style=\"left:654px;bottom:507px;letter-spacing:-0.38px;display:inline;\">credit-impaired includes the following observable data. </div><div class=\"t s6_169\" id=\"t1d_169\" style=\"left:654px;bottom:484px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1e_169\" style=\"left:667px;bottom:484px;letter-spacing:-0.38px;display:inline;\">Initiation of bankruptcy proceedings. </div><div class=\"t s6_169\" id=\"t1f_169\" style=\"left:654px;bottom:464px;letter-spacing:-0.4px;word-spacing:0.99px;display:inline;\">\u2022 Notification of bereavement. </div><div class=\"t s6_169\" id=\"t1g_169\" style=\"left:654px;bottom:443px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1h_169\" style=\"left:667px;bottom:443px;letter-spacing:-0.37px;display:inline;\">Identification of loan meeting debt sale criteria. </div><div class=\"t s6_169\" id=\"t1i_169\" style=\"left:654px;bottom:423px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1j_169\" style=\"left:667px;bottom:423px;letter-spacing:-0.38px;display:inline;\">Initiation of repossession proceedings. </div><div class=\"t s6_169\" id=\"t1k_169\" style=\"left:654px;bottom:402px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1l_169\" style=\"left:667px;bottom:402px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Customer on an Individual Voluntary Arrangement or Debt Management Plan. </div><div class=\"t s6_169\" id=\"t1m_169\" style=\"left:654px;bottom:382px;letter-spacing:-0.39px;word-spacing:0.23px;display:inline;\">\u2022 A material covenant breach that has remained unremedied for more than 90 days. </div><div class=\"t s5_169\" id=\"t1n_169\" style=\"left:654px;bottom:357px;letter-spacing:-0.37px;display:inline;\">In addition, a loan that is 90 days or more past due is considered credit-impaired for all portfolios. </div><div class=\"t s5_169\" id=\"t1o_169\" style=\"left:654px;bottom:341px;letter-spacing:-0.37px;display:inline;\">The credit risk of financial assets that become credit-impaired will be monitored in line with the </div><div class=\"t s6_169\" id=\"t1p_169\" style=\"left:654px;bottom:325px;letter-spacing:-0.45px;word-spacing:0.08px;display:inline;\">curing policy. </div><div class=\"t s5_169\" id=\"t1q_169\" style=\"left:654px;bottom:303px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">For Commercial Finance facilities that do not have a fixed-term or repayment structure, </div><div class=\"t s5_169\" id=\"t1r_169\" style=\"left:654px;bottom:287px;letter-spacing:-0.38px;display:inline;\">evidence that a financial asset is credit-impaired includes: </div><div class=\"t s6_169\" id=\"t1s_169\" style=\"left:654px;bottom:264px;letter-spacing:-0.38px;word-spacing:0.5px;display:inline;\">\u2022 the client ceasing to trade; or </div><div class=\"t s6_169\" id=\"t1t_169\" style=\"left:654px;bottom:244px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1u_169\" style=\"left:667px;bottom:244px;letter-spacing:-0.38px;display:inline;\">unpaid debtor balances that are dated at least six months past their normal recourse period. </div><div></div>\n\n<div class=\"t s4_170\" id=\"t5_170\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;display:inline;\">Cure policy </div>\n<div class=\"t s5_170\" id=\"t6_170\" style=\"left:82px;bottom:680px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The credit risk of a financial asset may improve such that it is no longer considered to have </div>\n<div class=\"t s6_170\" id=\"t7_170\" style=\"left:82px;bottom:664px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">experienced a significant increase in credit risk if it meets the Group\u2019s cure policy. The Group\u2019s </div>\n<div class=\"t s5_170\" id=\"t8_170\" style=\"left:82px;bottom:648px;letter-spacing:-0.38px;display:inline;\">cure policy from stage 2 to stage 1 for all portfolios requires sufficient payments to be made </div>\n<div class=\"t s6_170\" id=\"t9_170\" style=\"left:82px;bottom:632px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">to bring an account back within less than 30 days past due and such payments need to be </div>\n<div class=\"t s6_170\" id=\"ta_170\" style=\"left:82px;bottom:616px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">maintained for six consecutive months in Vehicle Finance and three months in Retail Finance. </div>\n<div class=\"t s6_170\" id=\"tb_170\" style=\"left:82px;bottom:600px;letter-spacing:-0.37px;display:inline;\">In addition, an account can cure from stage 2 to stage 1 if the significant increase in credit risk </div>\n<div class=\"t s5_170\" id=\"tc_170\" style=\"left:82px;bottom:584px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">since their initial recognition is not triggered anymore due to improvement in their credit quality </div>\n<div class=\"t s6_170\" id=\"td_170\" style=\"left:82px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">(e.g. loan credit bureau score). </div>\n<div class=\"t s6_170\" id=\"te_170\" style=\"left:82px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group\u2019s cure policy from stage 3 to 2 for all portfolios requires sufficient payments to be </div>\n<div class=\"t s6_170\" id=\"tf_170\" style=\"left:82px;bottom:529px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">made to bring an account back within less than 30 days past due. For Vehicle Finance and Retail </div>\n<div class=\"t s6_170\" id=\"tg_170\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Finance, such non-defaulted status need to be maintained for three consecutive months. </div>\n<div class=\"t s6_170\" id=\"th_170\" style=\"left:82px;bottom:497px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For Real Estate Finance such payments need to be maintained for 12 consecutive months. </div>\n<div class=\"t s4_170\" id=\"ti_170\" style=\"left:82px;bottom:474px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\">Calculation of expected credit loss (\u2018ECL\u2019) </div>\n<div class=\"t s5_170\" id=\"tj_170\" style=\"left:82px;bottom:454px;letter-spacing:-0.38px;display:inline;\">ECL are probability weighted estimates of credit losses that are measured as the present value </div>\n<div class=\"t s6_170\" id=\"tk_170\" style=\"left:82px;bottom:438px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">of all cash shortfalls. Specifically, this is the difference between the contractual cash flows due </div>\n<div class=\"t s6_170\" id=\"tl_170\" style=\"left:82px;bottom:422px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and the cash flows expected to be received, discounted at the original effective interest rate. </div>\n<div class=\"t s6_170\" id=\"tm_170\" style=\"left:82px;bottom:406px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">For undrawn loan commitments, ECL is measured as the difference between the contractual </div>\n<div class=\"t s6_170\" id=\"tn_170\" style=\"left:82px;bottom:390px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">cash flows due if the commitment is drawn and the cash flows expected to be received. </div>\n<div class=\"t s6_170\" id=\"to_170\" style=\"left:82px;bottom:367px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Lifetime ECL is the ECL that results from all possible default events over the expected life of a </div>\n<div class=\"t s5_170\" id=\"tp_170\" style=\"left:82px;bottom:351px;letter-spacing:-0.36px;display:inline;\">financial asset. </div>\n<div class=\"t s6_170\" id=\"tq_170\" style=\"left:82px;bottom:329px;letter-spacing:-0.38px;display:inline;\">12-month ECL is the portion of lifetime ECL that results from default events on a financial asset </div>\n<div class=\"t s5_170\" id=\"tr_170\" style=\"left:82px;bottom:313px;letter-spacing:-0.38px;display:inline;\">that are possible within 12 months after the reporting date. </div>\n<div class=\"t s6_170\" id=\"ts_170\" style=\"left:82px;bottom:290px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">ECL are calculated by multiplying three main components: the Probability of Default (\u2018PD\u2019), </div>\n<div class=\"t s6_170\" id=\"tt_170\" style=\"left:82px;bottom:274px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Exposure At Default (\u2018EAD\u2019) and Loss Given Default (\u2018LGD\u2019) discounted at the original effective </div>\n<div class=\"t s5_170\" id=\"tu_170\" style=\"left:82px;bottom:258px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">interest rate of an asset. These variables are derived from internally developed statistical models </div>\n<div class=\"t s6_170\" id=\"tv_170\" style=\"left:82px;bottom:242px;letter-spacing:-0.38px;display:inline;\">and historical data, adjusted to reflect forward-looking information and are discussed in turn </div>\n<div class=\"t s6_170\" id=\"tw_170\" style=\"left:82px;bottom:226px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">further below. Management adjustments are made to modelled output to account for situations, </div>\n<div class=\"t s6_170\" id=\"tx_170\" style=\"left:82px;bottom:210px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">where known, or expected risk factors that have not been reflected in the modelled outcome. </div>\n<div class=\"t s4_170\" id=\"ty_170\" style=\"left:82px;bottom:187px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Probability of Default (\u2018PD\u2019) and credit risk grades </div>\n<div class=\"t s6_170\" id=\"tz_170\" style=\"left:82px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Credit risk grades are a primary input into the determination of the PD for exposures. The Group </div>\n<div class=\"t s6_170\" id=\"t10_170\" style=\"left:82px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">allocates each exposure to a credit risk grade at origination and at each reporting period to </div>\n<div class=\"t s5_170\" id=\"t11_170\" style=\"left:82px;bottom:135px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">predict the risk of default. Credit risk grades are determined using qualitative and quantitative </div>\n<div class=\"t s5_170\" id=\"t12_170\" style=\"left:654px;bottom:700px;letter-spacing:-0.37px;display:inline;\">factors that are indicative of the risk of default e.g. arrears status and loan credit bureau score. </div>\n<div class=\"t s6_170\" id=\"t13_170\" style=\"left:654px;bottom:684px;letter-spacing:-0.38px;display:inline;\">These factors vary for each loan portfolio. Exposures are subject to ongoing monitoring, which </div>\n<div class=\"t s6_170\" id=\"t14_170\" style=\"left:654px;bottom:668px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">may result in an exposure being moved to a different credit risk grade. In monitoring exposures </div>\n<div class=\"t s5_170\" id=\"t15_170\" style=\"left:654px;bottom:652px;letter-spacing:-0.38px;display:inline;\">information, such as payment records and forecast changes in economic conditions are </div>\n<div class=\"t s6_170\" id=\"t16_170\" style=\"left:654px;bottom:636px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">considered for Consumer Finance. Additionally, for Business Finance portfolios information </div>\n<div class=\"t s6_170\" id=\"t17_170\" style=\"left:654px;bottom:620px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">obtained during periodic client reviews, for example, audited financial statements, management </div>\n<div class=\"t s6_170\" id=\"t18_170\" style=\"left:654px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">accounts, budgets and projections are considered, with particular focus on key ratios, compliance </div>\n<div class=\"t s5_170\" id=\"t19_170\" style=\"left:654px;bottom:588px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">with covenants and changes in senior management teams. </div>\n<div class=\"t s6_170\" id=\"t1a_170\" style=\"left:654px;bottom:565px;letter-spacing:-0.38px;display:inline;\">Emergence curves modelling is used in the production of forward-looking lifetime PDs. </div>\n<div class=\"t s5_170\" id=\"t1b_170\" style=\"left:654px;bottom:549px;letter-spacing:-0.38px;display:inline;\">This method defines the way that debt emerges for differing quality accounts and their time on </div>\n<div class=\"t s5_170\" id=\"t1c_170\" style=\"left:654px;bottom:533px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the books creating a clean relationship to best demonstrate the movement in default rates as </div>\n<div class=\"t s6_170\" id=\"t1d_170\" style=\"left:654px;bottom:517px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">macroeconomic variables are changed. These models are extrapolated to provide PD estimates </div>\n<div class=\"t s5_170\" id=\"t1e_170\" style=\"left:654px;bottom:501px;letter-spacing:-0.38px;display:inline;\">for the future, based on forecasted economic scenarios. </div>\n<div class=\"t s4_170\" id=\"t1f_170\" style=\"left:654px;bottom:479px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Exposure at Default (\u2018EAD\u2019) </div>\n<div class=\"t s6_170\" id=\"t1g_170\" style=\"left:654px;bottom:458px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">EAD represents the expected exposure in the event of a default. EAD is derived from the current </div>\n<div class=\"t s6_170\" id=\"t1h_170\" style=\"left:654px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">exposure and potential changes to the current amount allowed under the terms of the contract, </div>\n<div class=\"t s6_170\" id=\"t1i_170\" style=\"left:654px;bottom:426px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">including amortisation overpayments and early terminations. The EAD of a financial asset is its </div>\n<div class=\"t s6_170\" id=\"t1j_170\" style=\"left:654px;bottom:410px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">gross carrying amount. For loan commitments, the EAD includes the amount drawn, as well as </div>\n<div class=\"t s5_170\" id=\"t1k_170\" style=\"left:654px;bottom:394px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">potential future amounts that may be drawn under the terms of the contract, estimated based </div>\n<div class=\"t s6_170\" id=\"t1l_170\" style=\"left:654px;bottom:378px;letter-spacing:-0.38px;display:inline;\">on historical observations and forward-looking forecasts. </div>\n<div class=\"t s6_170\" id=\"t1m_170\" style=\"left:654px;bottom:356px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For Commercial Finance facilities that have no specific term, an assumption is made that </div>\n<div class=\"t s5_170\" id=\"t1n_170\" style=\"left:654px;bottom:340px;letter-spacing:-0.37px;display:inline;\">accounts close 36 months after the reporting date for the purposes of measuring lifetime ECL. </div>\n<div class=\"t s6_170\" id=\"t1o_170\" style=\"left:654px;bottom:324px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">This assumption is based on industry experience of average client life. These facilities do not have </div>\n<div class=\"t s6_170\" id=\"t1p_170\" style=\"left:654px;bottom:308px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">a fixed-term or repayment structure, but are revolving and increase or decrease to reflect the </div>\n<div class=\"t s6_170\" id=\"t1q_170\" style=\"left:654px;bottom:291px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">value of the collateral i.e. receivables or inventory. The Group can cancel the facilities with </div>\n<div class=\"t s6_170\" id=\"t1r_170\" style=\"left:654px;bottom:275px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">immediate effect, although this contractual right is not enforced in the normal day-to-day </div>\n<div class=\"t s5_170\" id=\"t1s_170\" style=\"left:654px;bottom:259px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">management of the facility. Typically, demand would only be made on the failure of a client </div>\n<div class=\"t s6_170\" id=\"t1t_170\" style=\"left:654px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">business or in the event of a material event of default, such as a fraud. In the normal course of </div>\n<div class=\"t s6_170\" id=\"t1u_170\" style=\"left:654px;bottom:227px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">events, the Group\u2019s exposure is recovered through receipt of remittances from the client\u2019s </div>\n<div class=\"t s5_170\" id=\"t1v_170\" style=\"left:654px;bottom:211px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">debtors rather than from the client itself. </div>\n<div class=\"t s5_170\" id=\"t1w_170\" style=\"left:654px;bottom:189px;letter-spacing:-0.38px;display:inline;\">The ECL for such facilities is estimated taking into account the credit risk management actions </div>\n<div class=\"t s6_170\" id=\"t1x_170\" style=\"left:654px;bottom:173px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">that the Group expects to take to mitigate against losses. These include a reduction in advance </div>\n<div class=\"t s5_170\" id=\"t1y_170\" style=\"left:654px;bottom:157px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">rate and facility limits or application of reserves against a facility to improve the likelihood of full </div>\n<div class=\"t s6_170\" id=\"t1z_170\" style=\"left:654px;bottom:141px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">recovery of exposure from the debtors. </div><div></div><div class=\"t s4_171\" id=\"t5_171\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Alternative recovery routes mitigating ECL would include refinancing by another funding </div><div class=\"t s4_171\" id=\"t6_171\" style=\"left:82px;bottom:684px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">provider, taking security over other asset classes or secured personal guarantees from the </div><div class=\"t s5_171\" id=\"t7_171\" style=\"left:82px;bottom:668px;letter-spacing:-0.37px;display:inline;\">client\u2019s principals. </div><div class=\"t s6_171\" id=\"t8_171\" style=\"left:82px;bottom:646px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\">Loss Given Default (\u2018LGD\u2019) </div><div class=\"t s5_171\" id=\"t9_171\" style=\"left:82px;bottom:625px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">LGD is the magnitude of the likely loss in the event of default. This takes into account recoveries </div><div class=\"t s4_171\" id=\"ta_171\" style=\"left:82px;bottom:609px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">either through curing or, where applicable, through the auction sale of repossessed collateral and </div><div class=\"t s5_171\" id=\"tb_171\" style=\"left:82px;bottom:593px;letter-spacing:-0.53px;word-spacing:0.02px;display:inline;\">debt sale of the residual shortfall amount. For loans secured by real estate property, loan-to-value </div><div class=\"t s5_171\" id=\"tc_171\" style=\"left:82px;bottom:577px;letter-spacing:-0.55px;word-spacing:0.03px;display:inline;\">ratios are key parameters in determining LGD. LGDs are calculated on a discounted cash flow basis </div><div class=\"t s5_171\" id=\"td_171\" style=\"left:82px;bottom:561px;letter-spacing:-0.52px;word-spacing:0.02px;display:inline;\">using the financial instrument\u2019s origination effective interest rate as the discount factor. </div><div class=\"t s6_171\" id=\"te_171\" style=\"left:82px;bottom:539px;letter-spacing:-0.39px;display:inline;\">Incorporation of forward-looking data </div><div class=\"t s5_171\" id=\"tf_171\" style=\"left:82px;bottom:518px;letter-spacing:-0.38px;display:inline;\">The Group incorporates forward-looking information into both its assessment of whether the </div><div class=\"t s4_171\" id=\"tg_171\" style=\"left:82px;bottom:502px;letter-spacing:-0.37px;display:inline;\">credit risk of a financial asset has increased significantly since initial recognition and its </div><div class=\"t s4_171\" id=\"th_171\" style=\"left:82px;bottom:486px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">measurement of ECL. This is achieved by developing a number of potential economic scenarios </div><div class=\"t s5_171\" id=\"ti_171\" style=\"left:82px;bottom:470px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">and modelling ECLs for each scenario. To ensure material non-linear relationships between </div><div class=\"t s4_171\" id=\"tj_171\" style=\"left:82px;bottom:454px;letter-spacing:-0.37px;display:inline;\">economic factors and credit losses are reflected in the calculation of ECL, a severe stress </div><div class=\"t s4_171\" id=\"tk_171\" style=\"left:82px;bottom:438px;letter-spacing:-0.38px;display:inline;\">scenario is used as one of these scenarios. The outputs from each scenario are combined using </div><div class=\"t s5_171\" id=\"tl_171\" style=\"left:82px;bottom:422px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the estimated likelihood of each scenario occurring to derive a probability weighted expected </div><div class=\"t s4_171\" id=\"tm_171\" style=\"left:82px;bottom:406px;letter-spacing:-0.38px;display:inline;\">credit loss. The four scenarios adopted and probability weighting applied are set out on </div><div class=\"t s5_171\" id=\"tn_171\" style=\"left:82px;bottom:390px;letter-spacing:-0.39px;display:inline;\">page 170. </div><div class=\"t s5_171\" id=\"to_171\" style=\"left:82px;bottom:367px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group considers that the key drivers of credit risk and credit losses included in the </div><div class=\"t s5_171\" id=\"tp_171\" style=\"left:82px;bottom:351px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">macroeconomic scenarios are annual unemployment rate growth, annual house price index </div><div class=\"t s5_171\" id=\"tq_171\" style=\"left:82px;bottom:335px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">growth, consumer price index (\u2018CPI\u2019), Bank of England Base Rate, and debt service ratio. </div><div class=\"t s5_171\" id=\"tr_171\" style=\"left:82px;bottom:319px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Base case assumptions applied for each of these variables have been sourced from external </div><div class=\"t s5_171\" id=\"ts_171\" style=\"left:82px;bottom:303px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">consensus or Bank of England forecasts. Further details of the assumptions applied to other </div><div class=\"t s5_171\" id=\"tt_171\" style=\"left:82px;bottom:287px;letter-spacing:-0.38px;display:inline;\">scenarios are presented on page 170. </div><div class=\"t s6_171\" id=\"tu_171\" style=\"left:82px;bottom:265px;letter-spacing:-0.39px;display:inline;\">Expert credit judgements </div><div class=\"t s5_171\" id=\"tv_171\" style=\"left:82px;bottom:244px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The impairment charge comprises modelled ECLs and expert credit judgements. Where the ECL </div><div class=\"t s5_171\" id=\"tw_171\" style=\"left:82px;bottom:228px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modelled output does not reflect the level of credit risk, judgement is used to calculate expert </div><div class=\"t s5_171\" id=\"tx_171\" style=\"left:82px;bottom:212px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">credit judgements, which are overlaid onto the output from the models. </div><div class=\"t s6_171\" id=\"ty_171\" style=\"left:82px;bottom:190px;letter-spacing:-0.39px;display:inline;\">Presentation of loss allowance </div><div class=\"t s5_171\" id=\"tz_171\" style=\"left:82px;bottom:169px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loss allowances for ECLs and expert credit judgements are presented in the statement of </div><div class=\"t s5_171\" id=\"t10_171\" style=\"left:82px;bottom:153px;letter-spacing:-0.38px;display:inline;\">financial position as follows with the loss recognised in the income statement: </div><div class=\"t s4_171\" id=\"t11_171\" style=\"left:654px;bottom:700px;display:inline;\">\u2022 </div><div class=\"t s5_171\" id=\"t12_171\" style=\"left:667px;bottom:700px;letter-spacing:-0.38px;display:inline;\">Financial assets measured at amortised cost: as a deduction from the gross carrying amount of </div><div class=\"t s4_171\" id=\"t13_171\" style=\"left:667px;bottom:684px;letter-spacing:-0.37px;display:inline;\">the assets. </div><div class=\"t s4_171\" id=\"t14_171\" style=\"left:654px;bottom:664px;display:inline;\">\u2022 </div><div class=\"t s5_171\" id=\"t15_171\" style=\"left:667px;bottom:664px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">Other loan commitments: generally, as a provision. </div><div class=\"t s5_171\" id=\"t16_171\" style=\"left:654px;bottom:639px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the Real Estate Finance and Commercial Finance portfolios, where a loan facility is agreed </div><div class=\"t s5_171\" id=\"t17_171\" style=\"left:654px;bottom:623px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">that includes both drawn and undrawn elements and the Group cannot identify the ECL on </div><div class=\"t s5_171\" id=\"t18_171\" style=\"left:654px;bottom:607px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">the loan commitment separately, a combined loss allowance for both drawn and undrawn </div><div class=\"t s4_171\" id=\"t19_171\" style=\"left:654px;bottom:591px;letter-spacing:-0.38px;display:inline;\">components of the loan is presented as a deduction from the gross carrying amount of the </div><div class=\"t s5_171\" id=\"t1a_171\" style=\"left:654px;bottom:575px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">drawn component, with any excess of the loss allowance over the gross drawn amount presented </div><div class=\"t s5_171\" id=\"t1b_171\" style=\"left:654px;bottom:559px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">as a provision. </div><div class=\"t s4_171\" id=\"t1c_171\" style=\"left:654px;bottom:536px;letter-spacing:-0.37px;display:inline;\">When a loan is uncollectible, it is written off against the related ECL allowance. Such loans are </div><div class=\"t s4_171\" id=\"t1d_171\" style=\"left:654px;bottom:520px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">written off after all necessary procedures have been completed and the amount of the loss has </div><div class=\"t s4_171\" id=\"t1e_171\" style=\"left:654px;bottom:504px;letter-spacing:-0.39px;display:inline;\">been determined. </div><div class=\"t s6_171\" id=\"t1f_171\" style=\"left:654px;bottom:482px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">Vehicle Finance voluntary termination provision </div><div class=\"t s5_171\" id=\"t1g_171\" style=\"left:654px;bottom:461px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In addition to recognising allowances for ECLs, the Group holds a provision for Voluntary </div><div class=\"t s5_171\" id=\"t1h_171\" style=\"left:654px;bottom:445px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Terminations (\u2018VT\u2019) for all Vehicle Finance financial assets. VT is a legal right provided to </div><div class=\"t s4_171\" id=\"t1i_171\" style=\"left:654px;bottom:429px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">customers who take out hire purchase agreements. The provision is calculated by multiplying </div><div class=\"t s5_171\" id=\"t1j_171\" style=\"left:654px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the probability of VT of an asset by the expected shortfall on VT discounted back at the original </div><div class=\"t s5_171\" id=\"t1k_171\" style=\"left:654px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">effective interest rate of the asset. VT allowances are not held against loans in default (Stage </div><div class=\"t s5_171\" id=\"t1l_171\" style=\"left:654px;bottom:381px;letter-spacing:-0.36px;display:inline;\">3 loans). </div><div class=\"t s5_171\" id=\"t1m_171\" style=\"left:654px;bottom:359px;letter-spacing:-0.38px;display:inline;\">The VT provision is presented in the statement of financial position as a deduction from the gross </div><div class=\"t s5_171\" id=\"t1n_171\" style=\"left:654px;bottom:343px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">carrying amount of Vehicle Finance assets with the loss recognised in the income statement. </div><div class=\"t s6_171\" id=\"t1o_171\" style=\"left:654px;bottom:320px;letter-spacing:-0.39px;display:inline;\">Write-off </div><div class=\"t s5_171\" id=\"t1p_171\" style=\"left:654px;bottom:300px;letter-spacing:-0.38px;display:inline;\">Loans and advances to customers are written off partially or in full when the Group has </div><div class=\"t s5_171\" id=\"t1q_171\" style=\"left:654px;bottom:284px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">exhausted all viable recovery options. The majority of write-offs arise from Debt Relief Orders, </div><div class=\"t s5_171\" id=\"t1r_171\" style=\"left:654px;bottom:268px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">insolvencies, Individual Voluntary Arrangements, deceased customers where there is no estate </div><div class=\"t s4_171\" id=\"t1s_171\" style=\"left:654px;bottom:252px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and vulnerable customers in certain circumstances. Amounts subsequently recovered on assets </div><div class=\"t s4_171\" id=\"t1t_171\" style=\"left:654px;bottom:236px;letter-spacing:-0.38px;display:inline;\">previously written off are recognised in the impairment charge in the income statement. </div><div class=\"t s6_171\" id=\"t1u_171\" style=\"left:654px;bottom:213px;letter-spacing:-0.41px;word-spacing:0.01px;display:inline;\">Intercompany receivables </div><div class=\"t s5_171\" id=\"t1v_171\" style=\"left:654px;bottom:193px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The parent company\u2019s expected credit loss on amounts due from related companies is calculated </div><div class=\"t s4_171\" id=\"t1w_171\" style=\"left:654px;bottom:177px;letter-spacing:-0.38px;display:inline;\">by applying probability of default and loss given default to the amount outstanding at the </div><span>year-end. See Note 26 for further details.</span><span>Investment property accounting policy </span><div class=\"t s3_176\" id=\"t17_176\" style=\"left:671px;bottom:538px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Investment property, which is property held to earn rentals and for capital appreciation, is </div><div class=\"t s4_176\" id=\"t18_176\" style=\"left:671px;bottom:522px;letter-spacing:-0.38px;display:inline;\">measured initially at cost, including transaction costs. Subsequent to initial recognition, for </div><div class=\"t s3_176\" id=\"t19_176\" style=\"left:671px;bottom:506px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Group, investment property is measured at cost. Depreciation is calculated using the </div><div class=\"t s3_176\" id=\"t1a_176\" style=\"left:671px;bottom:490px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">straight-line method to allocate their cost to their residual values over their estimated useful </div><div class=\"t s3_176\" id=\"t1b_176\" style=\"left:671px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">lives, which are subject to regular review (see property, plant and equipment accounting </div><div class=\"t s3_176\" id=\"t1c_176\" style=\"left:671px;bottom:458px;letter-spacing:-0.38px;display:inline;\">policy for estimated useful lives). This represents a change in accounting policy for the Group, </div><div class=\"t s3_176\" id=\"t1d_176\" style=\"left:671px;bottom:442px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">noting the Group held no investment properties in the prior year. For the Company </div><div class=\"t s3_176\" id=\"t1e_176\" style=\"left:671px;bottom:425px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">investment property is measured at fair value. External valuations are performed on a </div><div class=\"t s3_176\" id=\"t1f_176\" style=\"left:671px;bottom:409px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">triennial basis. Gains or losses arising from changes in the fair value of investment property </div><div class=\"t s3_176\" id=\"t1g_176\" style=\"left:671px;bottom:393px;letter-spacing:-0.38px;display:inline;\">are included in the income statement in the period in which they arise. </div><div class=\"t s4_176\" id=\"t1h_176\" style=\"left:671px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">An investment property is derecognised upon disposal or when the investment property is </div><div class=\"t s3_176\" id=\"t1i_176\" style=\"left:671px;bottom:355px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">permanently withdrawn from use and no future economic benefits are expected from the </div><div class=\"t s3_176\" id=\"t1j_176\" style=\"left:671px;bottom:339px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">disposal. Any gain or loss arising on derecognition of the property (calculated as the difference </div><div class=\"t s3_176\" id=\"t1k_176\" style=\"left:671px;bottom:323px;letter-spacing:-0.38px;display:inline;\">between the net disposal proceeds and the carrying amount of the asset) is included in the </div><span>income statement in the period in which the property is derecognised.</span><span>Property, plant and equipment accounting policy </span><div class=\"t s5_177\" id=\"t40_177\" style=\"left:671px;bottom:626px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Property, plant and equipment is stated at historical cost less any accumulated depreciation </span></div><div class=\"t s6_177\" id=\"t41_177\" style=\"left:671px;bottom:610px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any accumulated impairment losses. Historical cost includes expenditure that is directly </div><div class=\"t s6_177\" id=\"t42_177\" style=\"left:671px;bottom:594px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition of the items. Pre-installed computer software licences are </div><div class=\"t s6_177\" id=\"t43_177\" style=\"left:671px;bottom:577px;letter-spacing:-0.37px;display:inline;\">capitalised as part of the computer hardware it is installed on. Depreciation is calculated using </div><div class=\"t s6_177\" id=\"t44_177\" style=\"left:671px;bottom:561px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the straight-line method to allocate their cost to their residual values over their estimated </div><div class=\"t s6_177\" id=\"t45_177\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">useful lives, which are subject to regular review: </div><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t46_177\" style=\"left:671px;bottom:519px;letter-spacing:-0.27px;display:inline;\">Land </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t47_177\" style=\"left:914px;bottom:519px;letter-spacing:-0.25px;display:inline;\">not depreciated </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t48_177\" style=\"left:671px;bottom:499px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">Freehold buildings </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t49_177\" style=\"left:914px;bottom:499px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">50 years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4a_177\" style=\"left:671px;bottom:479px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Leasehold improvements </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4b_177\" style=\"left:914px;bottom:479px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">shorter of life of lease or seven years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4c_177\" style=\"left:671px;bottom:459px;letter-spacing:-0.27px;display:inline;\">Computer equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4d_177\" style=\"left:914px;bottom:459px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">three to five years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4e_177\" style=\"left:671px;bottom:440px;letter-spacing:-0.26px;display:inline;\">Other equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4f_177\" style=\"left:914px;bottom:440px;letter-spacing:-0.26px;word-spacing:0.03px;display:inline;\">five to ten years </div></td></tr>\n                                        </table>\n<div class=\"t s5_177\" id=\"t4g_177\" style=\"left:671px;bottom:408px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">The above useful economic lives have not changed since the prior year. </div><div class=\"t s6_177\" id=\"t4h_177\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">Gains and losses on disposals are determined by comparing proceeds with carrying amounts. </div><div class=\"t s5_177\" id=\"t4i_177\" style=\"left:671px;bottom:369px;letter-spacing:-0.38px;display:inline;\">These are included in the income statement. </div><span>The Group applies IAS 36 to determine whether property, plant and equipment is impaired.</span><span>Lessee accounting policy </span><div class=\"t s6_178\" id=\"t3i_178\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group assesses whether a contract is, or contains, a lease at inception of the contract. </div><div class=\"t s6_178\" id=\"t3j_178\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;display:inline;\">The Group recognises a right-of-use asset and a corresponding lease liability with respect to </div><div class=\"t s6_178\" id=\"t3k_178\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">all lease arrangements in which it is the lessee, except for short-term leases (defined as leases </div><div class=\"t s6_178\" id=\"t3l_178\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">with a lease term of 12 months or less) and leases of low-value assets. For these leases, the </div><div class=\"t s6_178\" id=\"t3m_178\" style=\"left:671px;bottom:638px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Group recognises the lease payments as an operating expense on a straight-line basis over the </div><div class=\"t s5_178\" id=\"t3n_178\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;display:inline;\">term of the lease unless another systematic basis is more representative of the time pattern in </div><div class=\"t s5_178\" id=\"t3o_178\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">which economic benefits from the leased assets are consumed. </div><div class=\"t s5_178\" id=\"t3p_178\" style=\"left:671px;bottom:584px;letter-spacing:-0.38px;display:inline;\">The lease liability is initially measured at the present value of the future lease payments, </div><div class=\"t s6_178\" id=\"t3q_178\" style=\"left:671px;bottom:568px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">discounted by using the rate implicit in the lease. If this rate cannot be readily determined, </div><div class=\"t s6_178\" id=\"t3r_178\" style=\"left:671px;bottom:552px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Group uses its incremental borrowing rate. It is subsequently measured by increasing </div><div class=\"t s6_178\" id=\"t3s_178\" style=\"left:671px;bottom:536px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the carrying amount to reflect interest on the lease liability (using the effective interest rate </div><div class=\"t s6_178\" id=\"t3t_178\" style=\"left:671px;bottom:520px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">method) and by reducing the carrying amount to reflect the lease payments made, and is </div><div class=\"t s5_178\" id=\"t3u_178\" style=\"left:671px;bottom:503px;letter-spacing:-0.38px;display:inline;\">presented as a separate line in the consolidated statement of financial position. </div><div class=\"t s6_178\" id=\"t3v_178\" style=\"left:671px;bottom:481px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The right-of-use assets comprise the initial measurement of the corresponding lease liability, </div><div class=\"t s5_178\" id=\"t3w_178\" style=\"left:671px;bottom:465px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">lease payments made at, or before, the commencement day, less any lease incentives received </div><div class=\"t s5_178\" id=\"t3x_178\" style=\"left:671px;bottom:449px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any initial direct costs. They are subsequently measured at cost less accumulated </div><div class=\"t s5_178\" id=\"t3y_178\" style=\"left:671px;bottom:433px;letter-spacing:-0.38px;display:inline;\">depreciation and impairment charges and are depreciated over the shorter of the lease term </div><div class=\"t s5_178\" id=\"t3z_178\" style=\"left:671px;bottom:417px;letter-spacing:-0.38px;display:inline;\">and useful life of the underlying asset. The depreciation starts at the commencement date </div><div class=\"t s6_178\" id=\"t40_178\" style=\"left:671px;bottom:401px;letter-spacing:-0.38px;display:inline;\">of the lease. The right-of-use assets are presented as a separate line in the consolidated </div><div class=\"t s6_178\" id=\"t41_178\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">statement of financial position. The Group applies IAS 36 to determine whether a right-of-use </div><div class=\"t s6_178\" id=\"t42_178\" style=\"left:671px;bottom:369px;letter-spacing:-0.39px;word-spacing:-0.01px;display:inline;\">asset is impaired and accounts for any identified impairment loss as described in the \u2018Property, </div><div class=\"t s6_178\" id=\"t43_178\" style=\"left:671px;bottom:353px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">plant and equipment\u2019 policy. </div><div class=\"t s5_178\" id=\"t44_178\" style=\"left:671px;bottom:330px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Rentals made under operating leases for less than 12 months in duration, and operating leases </div><div class=\"t s6_178\" id=\"t45_178\" style=\"left:671px;bottom:314px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">on low-value items, are recognised in the income statement on a straight-line basis over the </div><span>term of the lease.</span><span>Intangible assets accounting policy </span><div class=\"t s5_180\" id=\"t6_180\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\"><span>(a) Goodwill </span></div><div class=\"t s6_180\" id=\"t7_180\" style=\"left:82px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill represents the excess of the cost of the acquisition over the fair value of the Group\u2019s </div><div class=\"t s6_180\" id=\"t8_180\" style=\"left:82px;bottom:642px;letter-spacing:-0.37px;display:inline;\">share of the net identifiable assets acquired at the date of acquisition. Goodwill is held at cost </div><div class=\"t s7_180\" id=\"t9_180\" style=\"left:82px;bottom:626px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">less accumulated impairment charge and is deemed to have an infinite life. </div><div class=\"t s6_180\" id=\"ta_180\" style=\"left:82px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group reviews the goodwill for impairment at least annually or when events or changes </div><div class=\"t s6_180\" id=\"tb_180\" style=\"left:82px;bottom:588px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in economic circumstances indicate that impairment may have taken place. An impairment </div><div class=\"t s6_180\" id=\"tc_180\" style=\"left:82px;bottom:572px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">charge is recognised in the income statement if the carrying amount exceeds the </div><div class=\"t s7_180\" id=\"td_180\" style=\"left:82px;bottom:556px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\"><span>recoverable amounts.</span> </div><div class=\"t s5_180\" id=\"te_180\" style=\"left:82px;bottom:533px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\"><span>(b) Computer software </span></div><div class=\"t s7_180\" id=\"tf_180\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Acquired computer software licences are capitalised on the basis of the costs incurred to </div><div class=\"t s7_180\" id=\"tg_180\" style=\"left:82px;bottom:497px;letter-spacing:-0.38px;display:inline;\">acquire and bring to use the specific software. </div><div class=\"t s7_180\" id=\"th_180\" style=\"left:82px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Costs associated with developing or maintaining computer software programmes are </div><div class=\"t s6_180\" id=\"ti_180\" style=\"left:82px;bottom:458px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised as an expense as incurred unless the technical feasibility of the development has </div><div class=\"t s6_180\" id=\"tj_180\" style=\"left:82px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been demonstrated, and it is probable that the expenditure will enable the asset to generate </div><div class=\"t s6_180\" id=\"tk_180\" style=\"left:82px;bottom:426px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future economic benefits in excess of its originally assessed standard of performance, in which </div><div class=\"t s7_180\" id=\"tl_180\" style=\"left:82px;bottom:410px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">case they are capitalised. </div><div class=\"t s6_180\" id=\"tm_180\" style=\"left:82px;bottom:387px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">These costs are amortised on a straight-line basis over their expected useful lives, which are </div><div class=\"t s7_180\" id=\"tn_180\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">between three to 10 years. </div><div class=\"t s5_180\" id=\"to_180\" style=\"left:82px;bottom:349px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(c) Other intangible assets </div><div class=\"t s6_180\" id=\"tp_180\" style=\"left:82px;bottom:328px;letter-spacing:-0.38px;display:inline;\">The acquisition of subsidiaries has been accounted for in accordance with IFRS 3 \u2018Business </div><div class=\"t s6_180\" id=\"tq_180\" style=\"left:82px;bottom:312px;letter-spacing:-0.39px;display:inline;\">Combinations\u2019, which requires the recognition of the identifiable assets acquired and liabilities </div><div class=\"t s7_180\" id=\"tr_180\" style=\"left:82px;bottom:296px;letter-spacing:-0.37px;display:inline;\">assumed at their acquisition date fair values. As part of this process, it was necessary to </div><div class=\"t s7_180\" id=\"ts_180\" style=\"left:82px;bottom:280px;letter-spacing:-0.38px;display:inline;\">recognise certain intangible assets that are separately identifiable and are not included on the </div><div class=\"t s6_180\" id=\"tt_180\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">acquiree\u2019s balance sheet, which are amortised over their expected useful lives, as set </div><div class=\"t s7_180\" id=\"tu_180\" style=\"left:82px;bottom:248px;letter-spacing:-0.43px;word-spacing:0.04px;display:inline;\">out above. </div><span>The Group applies IAS 36 to determine whether an intangible asset is impaired.</span><span>Deferred tax accounting policy </span><div class=\"t s6_181\" id=\"t1i_181\" style=\"left:82px;bottom:456px;letter-spacing:-0.37px;display:inline;\">Deferred tax assets and liabilities are offset if there is a legally enforceable right to offset </div><div class=\"t s6_181\" id=\"t1j_181\" style=\"left:82px;bottom:440px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">current tax assets and liabilities, and they relate to taxes levied by the same tax authority </div><div class=\"t s7_181\" id=\"t1k_181\" style=\"left:82px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">on the same taxable entity, or on different tax entities, when they intend to settle current </div><div class=\"t s7_181\" id=\"t1l_181\" style=\"left:82px;bottom:408px;letter-spacing:-0.37px;display:inline;\">tax liabilities and assets on a net basis or their tax assets and liabilities will be realised </div><div class=\"t s6_181\" id=\"t1m_181\" style=\"left:82px;bottom:392px;letter-spacing:-0.45px;display:inline;\">simultaneously. </div><div class=\"t s6_181\" id=\"t1n_181\" style=\"left:82px;bottom:370px;letter-spacing:-0.37px;display:inline;\">Deferred tax assets are recognised where it is probable that future taxable profits will be </div><div class=\"t s6_181\" id=\"t1o_181\" style=\"left:82px;bottom:353px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">available, against which the temporary differences can be utilised. The short-term timing </div><div class=\"t s6_181\" id=\"t1p_181\" style=\"left:82px;bottom:337px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">differences relate primarily to deferred tax on IFRS 9 transitional arrangements and on the </div><div class=\"t s6_181\" id=\"t1q_181\" style=\"left:82px;bottom:321px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">movement in share options during the year. Deferred tax has not been recognised on capital </div><div class=\"t s6_181\" id=\"t1r_181\" style=\"left:82px;bottom:305px;letter-spacing:-0.37px;display:inline;\">losses arising from the disposal of property during the year (\u00a32.0 million) or in respect of </div><div class=\"t s6_181\" id=\"t1s_181\" style=\"left:82px;bottom:289px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">deductible temporary differences arising on investment properties held by the Company </div><span>(\u00a30.1 million). </span><span>The accounting policy for amounts due to banks is included in Note 1.4 Financial assets and </span><span>financial liabilities accounting policy.</span><span>The accounting policy for deposits from customers is included in Note 1.4 Financial assets and </span><span>financial liabilities accounting policy.</span><span>The accounting policy for lease liabilities is included in Note 22 Lessee accounting policy.</span><span>Provisions for liabilities and charges accounting policy </span><div class=\"t s5_183\" id=\"tf_183\" style=\"left:82px;bottom:499px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A provision is recognised where there is a present obligation as a result of a past event, </div><span>it is probable that the obligation will be settled and it can be reliably estimated.</span><span>The accounting policy for subordinated liabilities is included in Note 1.4 \u2013 Financial assets and </span><span>financial liabilities accounting policy.</span><span>Equity instruments accounting policy </span><div class=\"t s4_185\" id=\"tn_185\" style=\"left:82px;bottom:530px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Equity instruments issued by the Company are recorded at the proceeds received, net of </div><div class=\"t s4_185\" id=\"to_185\" style=\"left:82px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">direct issuance costs. Any amounts received over nominal value are recorded in the share </div><div class=\"t s4_185\" id=\"tp_185\" style=\"left:82px;bottom:498px;letter-spacing:-0.37px;display:inline;\">premium account, net of direct issuance costs. Costs associated with the listing of shares </div><span>are expensed immediately.</span><span>Own shares accounting policy </span><div class=\"t s4_185\" id=\"t2q_185\" style=\"left:671px;bottom:389px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The EBT qualifies for \u2018look-through\u2019 accounting, under which the EBT is treated as, in </div><div class=\"t s4_185\" id=\"t2r_185\" style=\"left:671px;bottom:373px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">substance, an extension of the sponsoring entity, which is Secure Trust Bank PLC. Own shares </div><div class=\"t s4_185\" id=\"t2s_185\" style=\"left:671px;bottom:357px;letter-spacing:-0.43px;word-spacing:0.06px;display:inline;\">represent the shares of the parent Company, Secure Trust Bank PLC, that are held by the EBT. </div><span>Own shares are recorded at cost and deducted from equity.</span><span>Share-based compensation accounting policy </span><div class=\"t s4_188\" id=\"t33_188\" style=\"left:671px;bottom:561px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The fair value of equity settled share-based payment awards are calculated at grant date and </div><div class=\"t s4_188\" id=\"t34_188\" style=\"left:671px;bottom:545px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised over the period in which the employees become unconditionally entitled to the </div><div class=\"t s4_188\" id=\"t35_188\" style=\"left:671px;bottom:529px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">awards (the vesting period). The amount is recognised in operating expenses in the income </div><div class=\"t s4_188\" id=\"t36_188\" style=\"left:671px;bottom:513px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">statement, with a corresponding increase in equity. Further details of the valuation </div><div class=\"t s4_188\" id=\"t37_188\" style=\"left:671px;bottom:497px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">methodology are set out above. </div><div class=\"t s4_188\" id=\"t38_188\" style=\"left:671px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The fair value of cash settled share-based payments is recognised in operating expenses in </div><div class=\"t s9_188\" id=\"t39_188\" style=\"left:671px;bottom:458px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the income statement with a corresponding increase in liabilities over the vesting period. </div><div class=\"t s4_188\" id=\"t3a_188\" style=\"left:671px;bottom:442px;letter-spacing:-0.38px;display:inline;\">The liability is remeasured at each reporting date and at the settlement date based on the </div><span>fair value of the options granted, with a corresponding adjustment to operating expenses.</span><span>Cash and cash equivalents accounting policy </span><div class=\"t s5_189\" id=\"tb_189\" style=\"left:82px;bottom:587px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>For the purpose of the statement of cash flows, cash and cash equivalents comprise cash in </span></div><div class=\"t s5_189\" id=\"tc_189\" style=\"left:82px;bottom:571px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hand and demand deposits, and cash equivalents, being highly liquid investments, which are </div><div class=\"t s5_189\" id=\"td_189\" style=\"left:82px;bottom:555px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">convertible into cash with an insignificant risk of changes in value with a maturity of three </div><div class=\"t s5_189\" id=\"te_189\" style=\"left:82px;bottom:539px;letter-spacing:-0.38px;display:inline;\">months or less at the date of acquisition, including certain loans and advances to banks and </div><span>short-term highly liquid debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
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    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "Secure Trust Bank PLC",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "Secure Trust Bank PLC",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "Secure Trust Bank PLC",
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    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
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    "entity": "scheme:213800CXIBLC2TMIGI76",
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  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00222": {
   "value": "public limited company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
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   "value": "England and Wales",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "England and Wales",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
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  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00215": {
   "value": "Yorke House, Arleston Way, Solihull B90 4LH.",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00220": {
   "value": "2025-12-31",
   "dimensions": {
    "concept": "ifrs-full:DateOfEndOfReportingPeriod2013",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00218": {
   "value": "The Group is primarily involved in the provision of banking and financial services.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00390": {
   "value": "<span>1.2. Basis of presentation </span><div class=\"t s4_153\" id=\"tg_153\" style=\"left:65px;bottom:484px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>The Group\u2019s consolidated financial statements and the Company\u2019s financial statements have </span></div><div class=\"t s4_153\" id=\"th_153\" style=\"left:65px;bottom:468px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been prepared in accordance with UK-adopted International Accounting Standards in conformity </div><div class=\"t s4_153\" id=\"ti_153\" style=\"left:65px;bottom:452px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">with the requirements of the Companies Act 2006 and UK-adopted International Financial </div><div class=\"t s4_153\" id=\"tj_153\" style=\"left:65px;bottom:436px;letter-spacing:-0.38px;display:inline;\">Reporting Standards. The consolidated financial statements also comply with International </div><div class=\"t s4_153\" id=\"tk_153\" style=\"left:65px;bottom:420px;letter-spacing:-0.38px;display:inline;\">Financial Reporting Standards (\u2018IFRSs\u2019) as issued by the International Accounting Standards Board </div><div class=\"t s4_153\" id=\"tl_153\" style=\"left:65px;bottom:404px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(\u2018IASB\u2019), including interpretations issued by the IFRS Interpretations Committee. They have been </div><div class=\"t s2_153\" id=\"tm_153\" style=\"left:65px;bottom:388px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">prepared under the historical cost convention, as modified by the valuation of derivative financial </div><div class=\"t s2_153\" id=\"tn_153\" style=\"left:65px;bottom:372px;letter-spacing:-0.38px;display:inline;\">instruments. <span>The consolidated financial statements are presented in pounds Sterling, which is the </span></div><div class=\"t s4_153\" id=\"to_153\" style=\"left:65px;bottom:356px;letter-spacing:-0.38px;display:inline;\"><span>functional and presentational currency of the entities within the Group.</span> </div><div class=\"t s4_153\" id=\"tp_153\" style=\"left:65px;bottom:333px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>The IASB has issued \u2018Amendments to the Classification and Measurement of Financial Instruments </span></div><div class=\"t s4_153\" id=\"tq_153\" style=\"left:65px;bottom:317px;letter-spacing:-0.38px;display:inline;\">(Amendments to IFRS 9 and IFRS 7)\u2019 to address matters identified during the post-implementation </div><div class=\"t s4_153\" id=\"tr_153\" style=\"left:65px;bottom:301px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">review of the classification and measurement requirements of IFRS 9 \u2018Financial Instruments\u2019. </div><div class=\"t s2_153\" id=\"ts_153\" style=\"left:65px;bottom:285px;letter-spacing:-0.38px;display:inline;\">The amendments are effective for reporting periods beginning on or after 1 January 2026. </div><div class=\"t s4_153\" id=\"tt_153\" style=\"left:65px;bottom:263px;letter-spacing:-0.38px;display:inline;\">The IASB amended to the requirements related to: </div><div class=\"t s2_153\" id=\"tu_153\" style=\"left:65px;bottom:240px;letter-spacing:-0.38px;word-spacing:0.33px;display:inline;\">\u2022 settling financial liabilities using an electronic payment system; and </div><div class=\"t s2_153\" id=\"tv_153\" style=\"left:65px;bottom:220px;letter-spacing:-0.38px;word-spacing:0.27px;display:inline;\">\u2022 assessing contractual cash flow characteristics of financial assets, including those environmental, </div><div class=\"t s4_153\" id=\"tw_153\" style=\"left:78px;bottom:204px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">social and governance (\u2018ESG\u2019)-linked features. </div><div class=\"t s4_153\" id=\"tx_153\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">As stated on page 152 the Group has early adopted the requirements in respect of financial assets </div><div class=\"t s4_153\" id=\"ty_153\" style=\"left:65px;bottom:167px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>with ESG-linked features. </span></div><div class=\"t s4_153\" id=\"tz_153\" style=\"left:65px;bottom:145px;letter-spacing:-0.39px;display:inline;\">New accounting pronouncements issued by the IASB with an effective date of 1 January 2027 </div><div class=\"t s4_153\" id=\"t10_153\" style=\"left:65px;bottom:129px;letter-spacing:-0.38px;display:inline;\">include IFRS 18 \u2018Presentation and Disclosure in Financial Statements\u2019 which replaces IAS 1 </div><div class=\"t s4_153\" id=\"t11_153\" style=\"left:65px;bottom:113px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">\u2018Presentation of Financial Statements\u2019. IFRS 18 introduces additional disclosure obligations in </div><div class=\"t s4_153\" id=\"t12_153\" style=\"left:65px;bottom:97px;letter-spacing:-0.38px;display:inline;\">relation to the structure of the income statement, management-defined performance measures, </div><div class=\"t s4_153\" id=\"t13_153\" style=\"left:65px;bottom:80px;letter-spacing:-0.38px;display:inline;\">and the aggregation and disaggregation of financial information. IFRS 18 will have no impact on the </div><div class=\"t s4_153\" id=\"t14_153\" style=\"left:65px;bottom:64px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Group\u2019s net profit as it impacts neither recognition nor measurement. </div><div class=\"t s4_153\" id=\"t15_153\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The new standard will impact the presentation of the Group\u2019s results as it requires that operating, </div><div class=\"t s2_153\" id=\"t16_153\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">investing and financing activities are presented separately. There will also be a change in the </div><div class=\"t s4_153\" id=\"t17_153\" style=\"left:654px;bottom:708px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s cash flow statement as IFRS 18 requires that the first line of the cash flow statement is </div><div class=\"t s2_153\" id=\"t18_153\" style=\"left:654px;bottom:692px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">operating profit. </div><div class=\"t s4_153\" id=\"t19_153\" style=\"left:654px;bottom:670px;letter-spacing:-0.38px;display:inline;\">The preparation of consolidated financial statements in conformity with IFRS requires the use </div><div class=\"t s4_153\" id=\"t1a_153\" style=\"left:654px;bottom:653px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of certain critical accounting estimates. It also requires management to exercise its judgement </div><div class=\"t s4_153\" id=\"t1b_153\" style=\"left:654px;bottom:637px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">in the process of applying the Group\u2019s accounting policies. The areas involving a higher degree </div><div class=\"t s4_153\" id=\"t1c_153\" style=\"left:654px;bottom:621px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of judgement or complexity or areas where assumptions and estimates are significant to the </div><div class=\"t s2_153\" id=\"t1d_153\" style=\"left:654px;bottom:605px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements are disclosed in Note 2. </div><div class=\"t s4_153\" id=\"t1e_153\" style=\"left:654px;bottom:583px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>The Directors have assessed, in the light of current and anticipated economic conditions, the </span></div><div class=\"t s4_153\" id=\"t1f_153\" style=\"left:654px;bottom:567px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s ability to continue as a going concern. The Directors confirm they are satisfied that the </div><div class=\"t s4_153\" id=\"t1g_153\" style=\"left:654px;bottom:551px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Company and the Group have adequate resources to continue in business for the foreseeable </div><div class=\"t s4_153\" id=\"t1h_153\" style=\"left:654px;bottom:535px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future. For this reason, they continue to adopt the \u2018going concern\u2019 basis for preparing accounts, </div><div class=\"t s4_153\" id=\"t1i_153\" style=\"left:654px;bottom:519px;letter-spacing:-0.38px;display:inline;\"><span>as set out in the Viability and going concern section of the Strategic Report, starting on page 40.</span> </div><div class=\"t s4_153\" id=\"t1j_153\" style=\"left:654px;bottom:496px;letter-spacing:-0.38px;display:inline;\">The consolidated financial statements were authorised for issue by the Board of Directors on </div><span>11 March 2026.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00304": {
   "value": "<span>The Group\u2019s consolidated financial statements and the Company\u2019s financial statements have </span><div class=\"t s4_153\" id=\"th_153\" style=\"left:65px;bottom:468px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been prepared in accordance with UK-adopted International Accounting Standards in conformity </div><div class=\"t s4_153\" id=\"ti_153\" style=\"left:65px;bottom:452px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">with the requirements of the Companies Act 2006 and UK-adopted International Financial </div><div class=\"t s4_153\" id=\"tj_153\" style=\"left:65px;bottom:436px;letter-spacing:-0.38px;display:inline;\">Reporting Standards. The consolidated financial statements also comply with International </div><div class=\"t s4_153\" id=\"tk_153\" style=\"left:65px;bottom:420px;letter-spacing:-0.38px;display:inline;\">Financial Reporting Standards (\u2018IFRSs\u2019) as issued by the International Accounting Standards Board </div><div class=\"t s4_153\" id=\"tl_153\" style=\"left:65px;bottom:404px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(\u2018IASB\u2019), including interpretations issued by the IFRS Interpretations Committee. They have been </div><div class=\"t s2_153\" id=\"tm_153\" style=\"left:65px;bottom:388px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">prepared under the historical cost convention, as modified by the valuation of derivative financial </div><div class=\"t s2_153\" id=\"tn_153\" style=\"left:65px;bottom:372px;letter-spacing:-0.38px;display:inline;\">instruments. <span>The consolidated financial statements are presented in pounds Sterling, which is the </span></div><div class=\"t s4_153\" id=\"to_153\" style=\"left:65px;bottom:356px;letter-spacing:-0.38px;display:inline;\"><span>functional and presentational currency of the entities within the Group.</span> </div><div class=\"t s4_153\" id=\"tp_153\" style=\"left:65px;bottom:333px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>The IASB has issued \u2018Amendments to the Classification and Measurement of Financial Instruments </span></div><div class=\"t s4_153\" id=\"tq_153\" style=\"left:65px;bottom:317px;letter-spacing:-0.38px;display:inline;\">(Amendments to IFRS 9 and IFRS 7)\u2019 to address matters identified during the post-implementation </div><div class=\"t s4_153\" id=\"tr_153\" style=\"left:65px;bottom:301px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">review of the classification and measurement requirements of IFRS 9 \u2018Financial Instruments\u2019. </div><div class=\"t s2_153\" id=\"ts_153\" style=\"left:65px;bottom:285px;letter-spacing:-0.38px;display:inline;\">The amendments are effective for reporting periods beginning on or after 1 January 2026. </div><div class=\"t s4_153\" id=\"tt_153\" style=\"left:65px;bottom:263px;letter-spacing:-0.38px;display:inline;\">The IASB amended to the requirements related to: </div><div class=\"t s2_153\" id=\"tu_153\" style=\"left:65px;bottom:240px;letter-spacing:-0.38px;word-spacing:0.33px;display:inline;\">\u2022 settling financial liabilities using an electronic payment system; and </div><div class=\"t s2_153\" id=\"tv_153\" style=\"left:65px;bottom:220px;letter-spacing:-0.38px;word-spacing:0.27px;display:inline;\">\u2022 assessing contractual cash flow characteristics of financial assets, including those environmental, </div><div class=\"t s4_153\" id=\"tw_153\" style=\"left:78px;bottom:204px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">social and governance (\u2018ESG\u2019)-linked features. </div><div class=\"t s4_153\" id=\"tx_153\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">As stated on page 152 the Group has early adopted the requirements in respect of financial assets </div><div class=\"t s4_153\" id=\"ty_153\" style=\"left:65px;bottom:167px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\"><span>with ESG-linked features. </span></div><div class=\"t s4_153\" id=\"tz_153\" style=\"left:65px;bottom:145px;letter-spacing:-0.39px;display:inline;\">New accounting pronouncements issued by the IASB with an effective date of 1 January 2027 </div><div class=\"t s4_153\" id=\"t10_153\" style=\"left:65px;bottom:129px;letter-spacing:-0.38px;display:inline;\">include IFRS 18 \u2018Presentation and Disclosure in Financial Statements\u2019 which replaces IAS 1 </div><div class=\"t s4_153\" id=\"t11_153\" style=\"left:65px;bottom:113px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">\u2018Presentation of Financial Statements\u2019. IFRS 18 introduces additional disclosure obligations in </div><div class=\"t s4_153\" id=\"t12_153\" style=\"left:65px;bottom:97px;letter-spacing:-0.38px;display:inline;\">relation to the structure of the income statement, management-defined performance measures, </div><div class=\"t s4_153\" id=\"t13_153\" style=\"left:65px;bottom:80px;letter-spacing:-0.38px;display:inline;\">and the aggregation and disaggregation of financial information. IFRS 18 will have no impact on the </div><div class=\"t s4_153\" id=\"t14_153\" style=\"left:65px;bottom:64px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Group\u2019s net profit as it impacts neither recognition nor measurement. </div><div class=\"t s4_153\" id=\"t15_153\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The new standard will impact the presentation of the Group\u2019s results as it requires that operating, </div><div class=\"t s2_153\" id=\"t16_153\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">investing and financing activities are presented separately. There will also be a change in the </div><div class=\"t s4_153\" id=\"t17_153\" style=\"left:654px;bottom:708px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s cash flow statement as IFRS 18 requires that the first line of the cash flow statement is </div><div class=\"t s2_153\" id=\"t18_153\" style=\"left:654px;bottom:692px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">operating profit. </div><div class=\"t s4_153\" id=\"t19_153\" style=\"left:654px;bottom:670px;letter-spacing:-0.38px;display:inline;\">The preparation of consolidated financial statements in conformity with IFRS requires the use </div><div class=\"t s4_153\" id=\"t1a_153\" style=\"left:654px;bottom:653px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of certain critical accounting estimates. It also requires management to exercise its judgement </div><div class=\"t s4_153\" id=\"t1b_153\" style=\"left:654px;bottom:637px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">in the process of applying the Group\u2019s accounting policies. The areas involving a higher degree </div><div class=\"t s4_153\" id=\"t1c_153\" style=\"left:654px;bottom:621px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of judgement or complexity or areas where assumptions and estimates are significant to the </div><div class=\"t s2_153\" id=\"t1d_153\" style=\"left:654px;bottom:605px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements are disclosed in Note 2. </div><div class=\"t s4_153\" id=\"t1e_153\" style=\"left:654px;bottom:583px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>The Directors have assessed, in the light of current and anticipated economic conditions, the </span></div><div class=\"t s4_153\" id=\"t1f_153\" style=\"left:654px;bottom:567px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s ability to continue as a going concern. The Directors confirm they are satisfied that the </div><div class=\"t s4_153\" id=\"t1g_153\" style=\"left:654px;bottom:551px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Company and the Group have adequate resources to continue in business for the foreseeable </div><div class=\"t s4_153\" id=\"t1h_153\" style=\"left:654px;bottom:535px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future. For this reason, they continue to adopt the \u2018going concern\u2019 basis for preparing accounts, </div><div class=\"t s4_153\" id=\"t1i_153\" style=\"left:654px;bottom:519px;letter-spacing:-0.38px;display:inline;\"><span>as set out in the Viability and going concern section of the Strategic Report, starting on page 40.</span> </div><div class=\"t s4_153\" id=\"t1j_153\" style=\"left:654px;bottom:496px;letter-spacing:-0.38px;display:inline;\">The consolidated financial statements were authorised for issue by the Board of Directors on </div><span>11 March 2026.</span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00391": {
   "value": "<span>The consolidated financial statements are presented in pounds Sterling, which is the </span><span>functional and presentational currency of the entities within the Group.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00392": {
   "value": "<span>The IASB has issued \u2018Amendments to the Classification and Measurement of Financial Instruments </span><div class=\"t s4_153\" id=\"tq_153\" style=\"left:65px;bottom:317px;letter-spacing:-0.38px;display:inline;\">(Amendments to IFRS 9 and IFRS 7)\u2019 to address matters identified during the post-implementation </div><div class=\"t s4_153\" id=\"tr_153\" style=\"left:65px;bottom:301px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">review of the classification and measurement requirements of IFRS 9 \u2018Financial Instruments\u2019. </div><div class=\"t s2_153\" id=\"ts_153\" style=\"left:65px;bottom:285px;letter-spacing:-0.38px;display:inline;\">The amendments are effective for reporting periods beginning on or after 1 January 2026. </div><div class=\"t s4_153\" id=\"tt_153\" style=\"left:65px;bottom:263px;letter-spacing:-0.38px;display:inline;\">The IASB amended to the requirements related to: </div><div class=\"t s2_153\" id=\"tu_153\" style=\"left:65px;bottom:240px;letter-spacing:-0.38px;word-spacing:0.33px;display:inline;\">\u2022 settling financial liabilities using an electronic payment system; and </div><div class=\"t s2_153\" id=\"tv_153\" style=\"left:65px;bottom:220px;letter-spacing:-0.38px;word-spacing:0.27px;display:inline;\">\u2022 assessing contractual cash flow characteristics of financial assets, including those environmental, </div><div class=\"t s4_153\" id=\"tw_153\" style=\"left:78px;bottom:204px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">social and governance (\u2018ESG\u2019)-linked features. </div><div class=\"t s4_153\" id=\"tx_153\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">As stated on page 152 the Group has early adopted the requirements in respect of financial assets </div><span>with ESG-linked features. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00305": {
   "value": "<span>The Directors have assessed, in the light of current and anticipated economic conditions, the </span><div class=\"t s4_153\" id=\"t1f_153\" style=\"left:654px;bottom:567px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Group\u2019s ability to continue as a going concern. The Directors confirm they are satisfied that the </div><div class=\"t s4_153\" id=\"t1g_153\" style=\"left:654px;bottom:551px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Company and the Group have adequate resources to continue in business for the foreseeable </div><div class=\"t s4_153\" id=\"t1h_153\" style=\"left:654px;bottom:535px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future. For this reason, they continue to adopt the \u2018going concern\u2019 basis for preparing accounts, </div><span>as set out in the Viability and going concern section of the Strategic Report, starting on page 40.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00394": {
   "value": "<span>1.3. Consolidation </span><div class=\"t s5_153\" id=\"t1m_153\" style=\"left:654px;bottom:436px;letter-spacing:-0.39px;display:inline;\">Subsidiaries </div><div class=\"t s4_153\" id=\"t1n_153\" style=\"left:654px;bottom:415px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Subsidiaries are all investees controlled by the Group. The Group controls an investee when it is </div><div class=\"t s4_153\" id=\"t1o_153\" style=\"left:654px;bottom:399px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">exposed, or has rights, to variable returns from its involvement with the investee, and has the ability </div><div class=\"t s2_153\" id=\"t1p_153\" style=\"left:654px;bottom:383px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to affect those returns through its power over the investee. Subsidiaries are fully consolidated from </div><div class=\"t s4_153\" id=\"t1q_153\" style=\"left:654px;bottom:367px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the date on which control is transferred to the Group. </div><div class=\"t s2_153\" id=\"t1r_153\" style=\"left:654px;bottom:345px;letter-spacing:-0.38px;display:inline;\">The acquisition method of accounting is used to account for the acquisition of subsidiaries by </div><div class=\"t s4_153\" id=\"t1s_153\" style=\"left:654px;bottom:329px;letter-spacing:-0.38px;display:inline;\">the Group. The cost of an acquisition is measured as the fair value of the assets given, equity </div><div class=\"t s4_153\" id=\"t1t_153\" style=\"left:654px;bottom:312px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">instruments issued and liabilities incurred or assumed at the date of exchange, plus costs directly </div><div class=\"t s4_153\" id=\"t1u_153\" style=\"left:654px;bottom:296px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition. Identifiable assets acquired and liabilities and contingent liabilities </div><div class=\"t s2_153\" id=\"t1v_153\" style=\"left:654px;bottom:280px;letter-spacing:-0.37px;display:inline;\">assumed in a business combination are measured initially at their fair values at the acquisition date, </div><div class=\"t s4_153\" id=\"t1w_153\" style=\"left:654px;bottom:264px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">irrespective of the extent of any non-controlling interest. The excess of the cost of acquisition, </div><div class=\"t s4_153\" id=\"t1x_153\" style=\"left:654px;bottom:248px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">excluding directly attributable costs, over the fair value of the Group\u2019s share of the identifiable net </div><div class=\"t s4_153\" id=\"t1y_153\" style=\"left:654px;bottom:232px;letter-spacing:-0.37px;display:inline;\">assets acquired is recorded as goodwill. If the cost of acquisition is less than the fair value of the net </div><div class=\"t s2_153\" id=\"t1z_153\" style=\"left:654px;bottom:216px;letter-spacing:-0.38px;display:inline;\">assets of the subsidiary acquired, the difference is recognised directly in the income statement. </div><div class=\"t s4_153\" id=\"t20_153\" style=\"left:654px;bottom:194px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The parent company\u2019s investments in subsidiaries are recorded at cost less, where appropriate, </div><div class=\"t s4_153\" id=\"t21_153\" style=\"left:654px;bottom:178px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">provision for impairment. The fair value of the underlying business of the Company\u2019s only </div><div class=\"t s4_153\" id=\"t22_153\" style=\"left:654px;bottom:162px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">material investment was significantly higher than carrying value, and, therefore, no impairment </div><div class=\"t s2_153\" id=\"t23_153\" style=\"left:654px;bottom:146px;letter-spacing:-0.38px;display:inline;\">was required. </div><div class=\"t s4_153\" id=\"t24_153\" style=\"left:654px;bottom:123px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Intercompany transactions, balances and unrealised gains and losses on transactions between </div><div class=\"t s4_153\" id=\"t25_153\" style=\"left:654px;bottom:107px;letter-spacing:-0.38px;display:inline;\">Group companies are eliminated. </div><div class=\"t s2_153\" id=\"t26_153\" style=\"left:654px;bottom:84px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The accounting policies adopted by subsidiaries are generally consistent with those adopted by the </div><div class=\"t s4_153\" id=\"t27_153\" style=\"left:654px;bottom:68px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">Group with minor exceptions. </div><span>Subsidiaries are de-consolidated from the date that control ceases.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00393": {
   "value": "<span>1.3. Consolidation </span><div class=\"t s5_153\" id=\"t1m_153\" style=\"left:654px;bottom:436px;letter-spacing:-0.39px;display:inline;\">Subsidiaries </div><div class=\"t s4_153\" id=\"t1n_153\" style=\"left:654px;bottom:415px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Subsidiaries are all investees controlled by the Group. The Group controls an investee when it is </div><div class=\"t s4_153\" id=\"t1o_153\" style=\"left:654px;bottom:399px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">exposed, or has rights, to variable returns from its involvement with the investee, and has the ability </div><div class=\"t s2_153\" id=\"t1p_153\" style=\"left:654px;bottom:383px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to affect those returns through its power over the investee. Subsidiaries are fully consolidated from </div><div class=\"t s4_153\" id=\"t1q_153\" style=\"left:654px;bottom:367px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the date on which control is transferred to the Group. </div><div class=\"t s2_153\" id=\"t1r_153\" style=\"left:654px;bottom:345px;letter-spacing:-0.38px;display:inline;\">The acquisition method of accounting is used to account for the acquisition of subsidiaries by </div><div class=\"t s4_153\" id=\"t1s_153\" style=\"left:654px;bottom:329px;letter-spacing:-0.38px;display:inline;\">the Group. The cost of an acquisition is measured as the fair value of the assets given, equity </div><div class=\"t s4_153\" id=\"t1t_153\" style=\"left:654px;bottom:312px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">instruments issued and liabilities incurred or assumed at the date of exchange, plus costs directly </div><div class=\"t s4_153\" id=\"t1u_153\" style=\"left:654px;bottom:296px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition. Identifiable assets acquired and liabilities and contingent liabilities </div><div class=\"t s2_153\" id=\"t1v_153\" style=\"left:654px;bottom:280px;letter-spacing:-0.37px;display:inline;\">assumed in a business combination are measured initially at their fair values at the acquisition date, </div><div class=\"t s4_153\" id=\"t1w_153\" style=\"left:654px;bottom:264px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">irrespective of the extent of any non-controlling interest. The excess of the cost of acquisition, </div><div class=\"t s4_153\" id=\"t1x_153\" style=\"left:654px;bottom:248px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">excluding directly attributable costs, over the fair value of the Group\u2019s share of the identifiable net </div><div class=\"t s4_153\" id=\"t1y_153\" style=\"left:654px;bottom:232px;letter-spacing:-0.37px;display:inline;\">assets acquired is recorded as goodwill. If the cost of acquisition is less than the fair value of the net </div><div class=\"t s2_153\" id=\"t1z_153\" style=\"left:654px;bottom:216px;letter-spacing:-0.38px;display:inline;\">assets of the subsidiary acquired, the difference is recognised directly in the income statement. </div><div class=\"t s4_153\" id=\"t20_153\" style=\"left:654px;bottom:194px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The parent company\u2019s investments in subsidiaries are recorded at cost less, where appropriate, </div><div class=\"t s4_153\" id=\"t21_153\" style=\"left:654px;bottom:178px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">provision for impairment. The fair value of the underlying business of the Company\u2019s only </div><div class=\"t s4_153\" id=\"t22_153\" style=\"left:654px;bottom:162px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">material investment was significantly higher than carrying value, and, therefore, no impairment </div><div class=\"t s2_153\" id=\"t23_153\" style=\"left:654px;bottom:146px;letter-spacing:-0.38px;display:inline;\">was required. </div><div class=\"t s4_153\" id=\"t24_153\" style=\"left:654px;bottom:123px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Intercompany transactions, balances and unrealised gains and losses on transactions between </div><div class=\"t s4_153\" id=\"t25_153\" style=\"left:654px;bottom:107px;letter-spacing:-0.38px;display:inline;\">Group companies are eliminated. </div><div class=\"t s2_153\" id=\"t26_153\" style=\"left:654px;bottom:84px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The accounting policies adopted by subsidiaries are generally consistent with those adopted by the </div><div class=\"t s4_153\" id=\"t27_153\" style=\"left:654px;bottom:68px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">Group with minor exceptions. </div><span>Subsidiaries are de-consolidated from the date that control ceases.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00395": {
   "value": "<span>Discontinued operations </span><div class=\"t s7_154\" id=\"t8_154\" style=\"left:65px;bottom:675px;letter-spacing:-0.38px;display:inline;\">Discontinued operations are a component of an entity that has been disposed of and represents a </div><div class=\"t s7_154\" id=\"t9_154\" style=\"left:65px;bottom:659px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">major line of business and/or is part of a single co-ordinated disposal plan. For further information </div><span>please see Note 10.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00457": {
   "value": "<span>1.4. Financial assets and financial liabilities accounting policy </span><div class=\"t s6_154\" id=\"tc_154\" style=\"left:65px;bottom:599px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Financial assets (with the exception of derivative financial instruments) accounting policy </span></div><div class=\"t s7_154\" id=\"td_154\" style=\"left:65px;bottom:578px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group classifies its financial assets at inception into three measurement categories; \u2018amortised </div><div class=\"t s7_154\" id=\"te_154\" style=\"left:65px;bottom:562px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">cost\u2019, \u2018Fair Value Through Other Comprehensive Income\u2019 (\u2018FVOCI\u2019) and \u2018Fair Value Through Profit or </div><div class=\"t s7_154\" id=\"tf_154\" style=\"left:65px;bottom:546px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Loss\u2019 (\u2018FVTPL\u2019). A financial asset is measured at amortised cost if both the following conditions are </div><div class=\"t s7_154\" id=\"tg_154\" style=\"left:65px;bottom:530px;letter-spacing:-0.38px;display:inline;\">met and it has not been designated as at FVTPL: </div><div class=\"t s8_154\" id=\"th_154\" style=\"left:65px;bottom:508px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"ti_154\" style=\"left:78px;bottom:508px;letter-spacing:-0.37px;display:inline;\">the asset is held within a business model whose objective is to hold the asset to collect its </div><div class=\"t s8_154\" id=\"tj_154\" style=\"left:78px;bottom:491px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">contractual cash flows; and </div><div class=\"t s8_154\" id=\"tk_154\" style=\"left:65px;bottom:471px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"tl_154\" style=\"left:78px;bottom:455px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are Solely Payments of Principal and Interest (\u2018SPPI\u2019). </div><div class=\"t s7_154\" id=\"tm_154\" style=\"left:65px;bottom:430px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s current business model for all financial assets, with the exception of derivative </div><div class=\"t s7_154\" id=\"tn_154\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial instruments, is to hold to collect contractual cash flows, and all assets held give rise to cash </div><div class=\"t s7_154\" id=\"to_154\" style=\"left:65px;bottom:398px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">flows on specified dates that represent SPPI on the outstanding principal amount. All of the Group\u2019s </div><div class=\"t s7_154\" id=\"tp_154\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets are, therefore, currently classified as amortised cost, except for derivative financial </div><div class=\"t s7_154\" id=\"tq_154\" style=\"left:65px;bottom:366px;letter-spacing:-0.38px;display:inline;\">instruments which are held at FVTPL. Loans are recognised when funds are advanced to customers </div><div class=\"t s7_154\" id=\"tr_154\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;display:inline;\">and are carried at amortised cost using the Effective Interest Rate (\u2018EIR\u2019) method. </div><div class=\"t s7_154\" id=\"ts_154\" style=\"left:65px;bottom:328px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A debt instrument would be measured at FVOCI only if both the below conditions are met and it has </div><div class=\"t s7_154\" id=\"tt_154\" style=\"left:65px;bottom:312px;letter-spacing:-0.39px;display:inline;\">not been designated as FVTPL: </div><div class=\"t s8_154\" id=\"tu_154\" style=\"left:65px;bottom:289px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"tv_154\" style=\"left:78px;bottom:289px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the asset is held within a business model whose objective is achieved by both collecting its </div><div class=\"t s8_154\" id=\"tw_154\" style=\"left:78px;bottom:273px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">contractual cash flows and selling the financial asset; and </div><div class=\"t s8_154\" id=\"tx_154\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"ty_154\" style=\"left:78px;bottom:237px;letter-spacing:-0.38px;display:inline;\">represent SPPI on the outstanding principal amount. </div><div class=\"t s7_154\" id=\"tz_154\" style=\"left:65px;bottom:212px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group currently has no financial instruments classified as FVOCI. </div><div class=\"t s7_154\" id=\"t10_154\" style=\"left:65px;bottom:189px;letter-spacing:-0.38px;display:inline;\">See below for further details of the business model assessment and the SPPI test. </div><div class=\"t s7_154\" id=\"t11_154\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">On initial recognition of an equity investment that is not held for trading, the Group may irrevocably </div><div class=\"t s8_154\" id=\"t12_154\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;display:inline;\">elect to present subsequent changes in fair value in other comprehensive income. This election </div><div class=\"t s7_154\" id=\"t13_154\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">would be made on an investment-by-investment basis. The Group currently holds no </div><div class=\"t s8_154\" id=\"t14_154\" style=\"left:65px;bottom:119px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">such investments. </div><div class=\"t s7_154\" id=\"t15_154\" style=\"left:65px;bottom:96px;letter-spacing:-0.36px;word-spacing:-0.01px;display:inline;\">All other assets are classified as FVTPL. </div><div class=\"t s7_154\" id=\"t16_154\" style=\"left:65px;bottom:74px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets are not reclassified subsequent to their initial recognition, except in the period after </div><div class=\"t s7_154\" id=\"t17_154\" style=\"left:65px;bottom:58px;letter-spacing:-0.38px;display:inline;\">the Group changes its business model for managing financial assets. The Group has not reclassified </div><div class=\"t s8_154\" id=\"t18_154\" style=\"left:65px;bottom:42px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">any financial assets during the reporting period. </div><div class=\"t s6_154\" id=\"t19_154\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;display:inline;\">Assessment whether contractual cash flows are SPPI </div><div class=\"t s7_154\" id=\"t1a_154\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of this assessment, \u2018principal\u2019 is defined as the fair value of the financial asset on </div><div class=\"t s7_154\" id=\"t1b_154\" style=\"left:654px;bottom:704px;letter-spacing:-0.37px;display:inline;\">initial recognition. \u2018Interest\u2019 is defined as consideration for the cost of funds and for the credit risk </div><div class=\"t s8_154\" id=\"t1c_154\" style=\"left:654px;bottom:688px;letter-spacing:-0.38px;display:inline;\">associated with the principal amount outstanding during a particular period of time and for other </div><div class=\"t s7_154\" id=\"t1d_154\" style=\"left:654px;bottom:672px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">basic lending risks and costs (e.g. administrative costs), as well as profit margin. </div><div class=\"t s7_154\" id=\"t1e_154\" style=\"left:654px;bottom:649px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">In assessing whether the contractual cash flows are SPPI, the Group considers the contractual </div><div class=\"t s8_154\" id=\"t1f_154\" style=\"left:654px;bottom:633px;letter-spacing:-0.38px;display:inline;\">terms of the instrument. This includes assessing whether the financial asset contains a contractual </div><div class=\"t s8_154\" id=\"t1g_154\" style=\"left:654px;bottom:617px;letter-spacing:-0.38px;display:inline;\">term that could change the timing or amount of contractual cash flows such that it would not meet </div><div class=\"t s8_154\" id=\"t1h_154\" style=\"left:654px;bottom:601px;letter-spacing:-0.38px;display:inline;\">the condition. </div><div class=\"t s7_154\" id=\"t1i_154\" style=\"left:654px;bottom:578px;letter-spacing:-0.38px;display:inline;\">In making the assessment, the Group considers: </div><div class=\"t s8_154\" id=\"t1j_154\" style=\"left:654px;bottom:556px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 contingent events that would change the amount and timing of cash flows; </div><div class=\"t s8_154\" id=\"t1k_154\" style=\"left:654px;bottom:536px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1l_154\" style=\"left:667px;bottom:536px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">prepayments and extension terms; </div><div class=\"t s8_154\" id=\"t1m_154\" style=\"left:654px;bottom:515px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1n_154\" style=\"left:667px;bottom:515px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">terms that limit the Group\u2019s claim to cash flows from specific assets (e.g. non-recourse asset </div><div class=\"t s7_154\" id=\"t1o_154\" style=\"left:667px;bottom:499px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">arrangements); and </div><div class=\"t s8_154\" id=\"t1p_154\" style=\"left:654px;bottom:479px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1q_154\" style=\"left:667px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">features that modify consideration of the time value of money (e.g. periodical reset of </div><div class=\"t s7_154\" id=\"t1r_154\" style=\"left:667px;bottom:463px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">interest rate). </div><div class=\"t s7_154\" id=\"t1s_154\" style=\"left:654px;bottom:438px;letter-spacing:-0.38px;display:inline;\">The SPPI assessment of loans with ESG-linked features (\u2018green loans\u2019) is judgmental. These are loans </div><div class=\"t s7_154\" id=\"t1t_154\" style=\"left:654px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">where the interest cash flows are linked to certain ESG performance metrics and where analysis of </div><div class=\"t s8_154\" id=\"t1u_154\" style=\"left:654px;bottom:406px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the loans needs to be undertaken to assess whether the cash flows represent solely payments of </div><div class=\"t s7_154\" id=\"t1v_154\" style=\"left:654px;bottom:390px;letter-spacing:-0.38px;display:inline;\">principal and interest. In May 2024, the IASB issued amendments to IFRS 9 which included </div><div class=\"t s7_154\" id=\"t1w_154\" style=\"left:654px;bottom:374px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amendments impacting loans that contain ESG targets. The new requirements have been endorsed </div><div class=\"t s7_154\" id=\"t1x_154\" style=\"left:654px;bottom:358px;letter-spacing:-0.38px;display:inline;\">by the UK Endorsement Board and apply to accounting periods beginning on or after 1 January </div><div class=\"t s7_154\" id=\"t1y_154\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;display:inline;\">2026. The Group has early adopted these requirements and as a result continues to hold these </div><div class=\"t s8_154\" id=\"t1z_154\" style=\"left:654px;bottom:326px;letter-spacing:-0.38px;display:inline;\">loans at amortised cost. Prior to the issue of the new amendments, including for the year ended </div><div class=\"t s7_154\" id=\"t20_154\" style=\"left:654px;bottom:310px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">31 December 2024, the loans may have met the criteria to be recorded at fair value, however this </div><div class=\"t s7_154\" id=\"t21_154\" style=\"left:654px;bottom:294px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">would not have been material in the context of the overall value of loans and advances to customers. </div><div class=\"t s6_154\" id=\"t22_154\" style=\"left:654px;bottom:271px;letter-spacing:-0.39px;display:inline;\">Business model assessment </div><div class=\"t s7_154\" id=\"t23_154\" style=\"left:654px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group makes an assessment of the objective of a business model in which an asset is held at </div><div class=\"t s7_154\" id=\"t24_154\" style=\"left:654px;bottom:235px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">a portfolio level because this best reflects the way the business is managed and information is </div><div class=\"t s7_154\" id=\"t25_154\" style=\"left:654px;bottom:219px;letter-spacing:-0.39px;display:inline;\">provided to management. The information considered includes: </div><div class=\"t s8_154\" id=\"t26_154\" style=\"left:654px;bottom:196px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t27_154\" style=\"left:667px;bottom:196px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the stated policies and objectives for the portfolio and the operation of those policies in practice. </div><div class=\"t s7_154\" id=\"t28_154\" style=\"left:667px;bottom:180px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">In particular, whether management\u2019s strategy focuses on managing the portfolio in order to </div><div class=\"t s8_154\" id=\"t29_154\" style=\"left:667px;bottom:164px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">collect contractual cash flows or whether it is managed in order to trade to realise fair </div><div class=\"t s8_154\" id=\"t2a_154\" style=\"left:667px;bottom:148px;letter-spacing:-0.38px;display:inline;\">value changes; </div><div class=\"t s8_154\" id=\"t2b_154\" style=\"left:654px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 how the performance of the portfolio is evaluated and reports to management; </div><div class=\"t s8_154\" id=\"t2c_154\" style=\"left:654px;bottom:107px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t2d_154\" style=\"left:667px;bottom:107px;letter-spacing:-0.37px;display:inline;\">the risks that affect the performance of the business model (and the financial assets held within </div><div class=\"t s7_154\" id=\"t2e_154\" style=\"left:667px;bottom:91px;letter-spacing:-0.38px;display:inline;\">that business model) and how those risks are managed; and </div><div></div><div class=\"t s6_155\" id=\"t7_155\" style=\"left:65px;bottom:695px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 the frequency, volume and timing of sales in prior periods, the reasons for such sales and </div><div class=\"t s7_155\" id=\"t8_155\" style=\"left:78px;bottom:679px;letter-spacing:-0.38px;display:inline;\">itsexpectations about future sales activity. However, information about sales activity is not </div><div class=\"t s7_155\" id=\"t9_155\" style=\"left:78px;bottom:663px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">considered in isolation, but as part of an overall assessment of how the Group\u2019s stated objective </div><div class=\"t s6_155\" id=\"ta_155\" style=\"left:78px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for managing the financial assets is achieved and how cash flows are realised. </div><div class=\"t s7_155\" id=\"tb_155\" style=\"left:65px;bottom:623px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that are held for trading or managed and whose performance is evaluated on a fair </div><div class=\"t s7_155\" id=\"tc_155\" style=\"left:65px;bottom:607px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value basis are classified as FVTPL because they are neither held to collect contractual cash flows </div><div class=\"t s6_155\" id=\"td_155\" style=\"left:65px;bottom:591px;letter-spacing:-0.38px;display:inline;\">nor held both to collect contractual cash flows and to sell financial assets. </div><div class=\"t s8_155\" id=\"te_155\" style=\"left:65px;bottom:568px;letter-spacing:-0.4px;display:inline;\">Amortised cost measurement </div><div class=\"t s6_155\" id=\"tf_155\" style=\"left:65px;bottom:548px;letter-spacing:-0.37px;display:inline;\">The amortised cost of a financial asset or financial liability is the amount at which the financial asset </div><div class=\"t s6_155\" id=\"tg_155\" style=\"left:65px;bottom:532px;letter-spacing:-0.37px;display:inline;\">or financial liability is measured at initial recognition, plus or minus the cumulative amortisation </div><div class=\"t s7_155\" id=\"th_155\" style=\"left:65px;bottom:516px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">using the EIR, which is the rate that exactly discounts estimated future cash payments or receipts </div><div class=\"t s7_155\" id=\"ti_155\" style=\"left:65px;bottom:499px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">through the expected life of the financial instrument, minus any reduction for impairment. </div><div class=\"t s8_155\" id=\"tj_155\" style=\"left:65px;bottom:477px;letter-spacing:-0.38px;display:inline;\"><span>Derecognition of financial assets </span></div><div class=\"t s7_155\" id=\"tk_155\" style=\"left:65px;bottom:457px;letter-spacing:-0.38px;display:inline;\">Financial assets are derecognised when the rights to receive cash flows from the financial assets </div><div class=\"t s7_155\" id=\"tl_155\" style=\"left:65px;bottom:441px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">have expired or where the Group has transferred substantially all of the risks and rewards of </div><div class=\"t s6_155\" id=\"tm_155\" style=\"left:65px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">ownership or in the event of a substantial modification. There have not been any instances </div><div class=\"t s7_155\" id=\"tn_155\" style=\"left:65px;bottom:408px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>where assets have only been partially derecognised. </span></div><div class=\"t s8_155\" id=\"to_155\" style=\"left:65px;bottom:386px;letter-spacing:-0.39px;display:inline;\"><span>Modification of loans </span></div><div class=\"t s7_155\" id=\"tp_155\" style=\"left:65px;bottom:366px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A customer\u2019s account may be modified to assist customers who are in, or have recently overcome, </div><div class=\"t s6_155\" id=\"tq_155\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial difficulties and have demonstrated both the ability and willingness to meet the current or </div><div class=\"t s6_155\" id=\"tr_155\" style=\"left:65px;bottom:333px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modified loan contractual payments. Substantial loan modifications result in the derecognition of </div><div class=\"t s7_155\" id=\"ts_155\" style=\"left:65px;bottom:317px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the existing loan, and the recognition of a new loan at the new origination EIR based on the expected </div><div class=\"t s7_155\" id=\"tt_155\" style=\"left:65px;bottom:301px;letter-spacing:-0.38px;display:inline;\">future cash flows at origination. Determination of the origination Probability of Default (\u2018PD\u2019) for </div><div class=\"t s7_155\" id=\"tu_155\" style=\"left:65px;bottom:285px;letter-spacing:-0.37px;display:inline;\">the new loan is required, based on the PD as at the date of the modification, which is used for the </div><div class=\"t s6_155\" id=\"tv_155\" style=\"left:65px;bottom:269px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation of the impairment provision against the new loan. Any deferred fees or deferred </div><div class=\"t s6_155\" id=\"tw_155\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;display:inline;\">interest, and any difference between the carrying value of the derecognised loan and the new </div><div class=\"t s7_155\" id=\"tx_155\" style=\"left:65px;bottom:237px;letter-spacing:-0.38px;display:inline;\">loan, is written-off to the income statement on recognition of the new loan. </div><div class=\"t s7_155\" id=\"ty_155\" style=\"left:65px;bottom:215px;letter-spacing:-0.38px;display:inline;\">Where the modification is not considered to be substantial, neither the origination EIR nor the </div><div class=\"t s6_155\" id=\"tz_155\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;display:inline;\">origination probability of default for the modified loan changes. The net present value of changes </div><div class=\"t s7_155\" id=\"t10_155\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">to the future contractual cash flows adjusts the carrying amount of the original asset with the </div><div class=\"t s7_155\" id=\"t11_155\" style=\"left:65px;bottom:167px;letter-spacing:-0.38px;display:inline;\">difference immediately being recognised in profit or loss. The adjusted carrying amount is then </div><div class=\"t s7_155\" id=\"t12_155\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>amortised over the remaining term of the modified loan using the original EIR.</span> </div><div class=\"t s8_155\" id=\"t13_155\" style=\"left:65px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\"><span>Financial liabilities (with the exception of derivative financial instruments) </span></div><div class=\"t s7_155\" id=\"t14_155\" style=\"left:65px;bottom:108px;letter-spacing:-0.37px;display:inline;\">The Group classifies its financial liabilities as measured at amortised cost. Such financial liabilities </div><div class=\"t s7_155\" id=\"t15_155\" style=\"left:65px;bottom:92px;letter-spacing:-0.38px;display:inline;\">are recognised when cash is received from depositors and carried at amortised cost using the EIR </div><div class=\"t s7_155\" id=\"t16_155\" style=\"left:65px;bottom:76px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">method. Financial liabilities are derecognised when they are extinguished (i.e. when the obligation </div><div class=\"t s7_155\" id=\"t17_155\" style=\"left:65px;bottom:59px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>specified in the contract is discharged, cancelled or expires).</span> </div><div class=\"t s8_155\" id=\"t18_155\" style=\"left:654px;bottom:740px;letter-spacing:-0.37px;display:inline;\"><span>Offsetting of financial assets and financial liabilities </span></div><div class=\"t s7_155\" id=\"t19_155\" style=\"left:654px;bottom:720px;letter-spacing:-0.37px;display:inline;\">Financial assets and financial liabilities are not offset in the consolidated financial statements unless </div><span>the Group has both a legally enforceable right and intention to offset.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00456": {
   "value": "<span>1.4. Financial assets and financial liabilities accounting policy </span><div class=\"t s6_154\" id=\"tc_154\" style=\"left:65px;bottom:599px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Financial assets (with the exception of derivative financial instruments) accounting policy </span></div><div class=\"t s7_154\" id=\"td_154\" style=\"left:65px;bottom:578px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group classifies its financial assets at inception into three measurement categories; \u2018amortised </div><div class=\"t s7_154\" id=\"te_154\" style=\"left:65px;bottom:562px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">cost\u2019, \u2018Fair Value Through Other Comprehensive Income\u2019 (\u2018FVOCI\u2019) and \u2018Fair Value Through Profit or </div><div class=\"t s7_154\" id=\"tf_154\" style=\"left:65px;bottom:546px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Loss\u2019 (\u2018FVTPL\u2019). A financial asset is measured at amortised cost if both the following conditions are </div><div class=\"t s7_154\" id=\"tg_154\" style=\"left:65px;bottom:530px;letter-spacing:-0.38px;display:inline;\">met and it has not been designated as at FVTPL: </div><div class=\"t s8_154\" id=\"th_154\" style=\"left:65px;bottom:508px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"ti_154\" style=\"left:78px;bottom:508px;letter-spacing:-0.37px;display:inline;\">the asset is held within a business model whose objective is to hold the asset to collect its </div><div class=\"t s8_154\" id=\"tj_154\" style=\"left:78px;bottom:491px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">contractual cash flows; and </div><div class=\"t s8_154\" id=\"tk_154\" style=\"left:65px;bottom:471px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"tl_154\" style=\"left:78px;bottom:455px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are Solely Payments of Principal and Interest (\u2018SPPI\u2019). </div><div class=\"t s7_154\" id=\"tm_154\" style=\"left:65px;bottom:430px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s current business model for all financial assets, with the exception of derivative </div><div class=\"t s7_154\" id=\"tn_154\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial instruments, is to hold to collect contractual cash flows, and all assets held give rise to cash </div><div class=\"t s7_154\" id=\"to_154\" style=\"left:65px;bottom:398px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">flows on specified dates that represent SPPI on the outstanding principal amount. All of the Group\u2019s </div><div class=\"t s7_154\" id=\"tp_154\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets are, therefore, currently classified as amortised cost, except for derivative financial </div><div class=\"t s7_154\" id=\"tq_154\" style=\"left:65px;bottom:366px;letter-spacing:-0.38px;display:inline;\">instruments which are held at FVTPL. Loans are recognised when funds are advanced to customers </div><div class=\"t s7_154\" id=\"tr_154\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;display:inline;\">and are carried at amortised cost using the Effective Interest Rate (\u2018EIR\u2019) method. </div><div class=\"t s7_154\" id=\"ts_154\" style=\"left:65px;bottom:328px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A debt instrument would be measured at FVOCI only if both the below conditions are met and it has </div><div class=\"t s7_154\" id=\"tt_154\" style=\"left:65px;bottom:312px;letter-spacing:-0.39px;display:inline;\">not been designated as FVTPL: </div><div class=\"t s8_154\" id=\"tu_154\" style=\"left:65px;bottom:289px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"tv_154\" style=\"left:78px;bottom:289px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the asset is held within a business model whose objective is achieved by both collecting its </div><div class=\"t s8_154\" id=\"tw_154\" style=\"left:78px;bottom:273px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">contractual cash flows and selling the financial asset; and </div><div class=\"t s8_154\" id=\"tx_154\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"ty_154\" style=\"left:78px;bottom:237px;letter-spacing:-0.38px;display:inline;\">represent SPPI on the outstanding principal amount. </div><div class=\"t s7_154\" id=\"tz_154\" style=\"left:65px;bottom:212px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group currently has no financial instruments classified as FVOCI. </div><div class=\"t s7_154\" id=\"t10_154\" style=\"left:65px;bottom:189px;letter-spacing:-0.38px;display:inline;\">See below for further details of the business model assessment and the SPPI test. </div><div class=\"t s7_154\" id=\"t11_154\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">On initial recognition of an equity investment that is not held for trading, the Group may irrevocably </div><div class=\"t s8_154\" id=\"t12_154\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;display:inline;\">elect to present subsequent changes in fair value in other comprehensive income. This election </div><div class=\"t s7_154\" id=\"t13_154\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">would be made on an investment-by-investment basis. The Group currently holds no </div><div class=\"t s8_154\" id=\"t14_154\" style=\"left:65px;bottom:119px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">such investments. </div><div class=\"t s7_154\" id=\"t15_154\" style=\"left:65px;bottom:96px;letter-spacing:-0.36px;word-spacing:-0.01px;display:inline;\">All other assets are classified as FVTPL. </div><div class=\"t s7_154\" id=\"t16_154\" style=\"left:65px;bottom:74px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets are not reclassified subsequent to their initial recognition, except in the period after </div><div class=\"t s7_154\" id=\"t17_154\" style=\"left:65px;bottom:58px;letter-spacing:-0.38px;display:inline;\">the Group changes its business model for managing financial assets. The Group has not reclassified </div><div class=\"t s8_154\" id=\"t18_154\" style=\"left:65px;bottom:42px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">any financial assets during the reporting period. </div><div class=\"t s6_154\" id=\"t19_154\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;display:inline;\">Assessment whether contractual cash flows are SPPI </div><div class=\"t s7_154\" id=\"t1a_154\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of this assessment, \u2018principal\u2019 is defined as the fair value of the financial asset on </div><div class=\"t s7_154\" id=\"t1b_154\" style=\"left:654px;bottom:704px;letter-spacing:-0.37px;display:inline;\">initial recognition. \u2018Interest\u2019 is defined as consideration for the cost of funds and for the credit risk </div><div class=\"t s8_154\" id=\"t1c_154\" style=\"left:654px;bottom:688px;letter-spacing:-0.38px;display:inline;\">associated with the principal amount outstanding during a particular period of time and for other </div><div class=\"t s7_154\" id=\"t1d_154\" style=\"left:654px;bottom:672px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">basic lending risks and costs (e.g. administrative costs), as well as profit margin. </div><div class=\"t s7_154\" id=\"t1e_154\" style=\"left:654px;bottom:649px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">In assessing whether the contractual cash flows are SPPI, the Group considers the contractual </div><div class=\"t s8_154\" id=\"t1f_154\" style=\"left:654px;bottom:633px;letter-spacing:-0.38px;display:inline;\">terms of the instrument. This includes assessing whether the financial asset contains a contractual </div><div class=\"t s8_154\" id=\"t1g_154\" style=\"left:654px;bottom:617px;letter-spacing:-0.38px;display:inline;\">term that could change the timing or amount of contractual cash flows such that it would not meet </div><div class=\"t s8_154\" id=\"t1h_154\" style=\"left:654px;bottom:601px;letter-spacing:-0.38px;display:inline;\">the condition. </div><div class=\"t s7_154\" id=\"t1i_154\" style=\"left:654px;bottom:578px;letter-spacing:-0.38px;display:inline;\">In making the assessment, the Group considers: </div><div class=\"t s8_154\" id=\"t1j_154\" style=\"left:654px;bottom:556px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 contingent events that would change the amount and timing of cash flows; </div><div class=\"t s8_154\" id=\"t1k_154\" style=\"left:654px;bottom:536px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1l_154\" style=\"left:667px;bottom:536px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">prepayments and extension terms; </div><div class=\"t s8_154\" id=\"t1m_154\" style=\"left:654px;bottom:515px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1n_154\" style=\"left:667px;bottom:515px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">terms that limit the Group\u2019s claim to cash flows from specific assets (e.g. non-recourse asset </div><div class=\"t s7_154\" id=\"t1o_154\" style=\"left:667px;bottom:499px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">arrangements); and </div><div class=\"t s8_154\" id=\"t1p_154\" style=\"left:654px;bottom:479px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1q_154\" style=\"left:667px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">features that modify consideration of the time value of money (e.g. periodical reset of </div><div class=\"t s7_154\" id=\"t1r_154\" style=\"left:667px;bottom:463px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">interest rate). </div><div class=\"t s7_154\" id=\"t1s_154\" style=\"left:654px;bottom:438px;letter-spacing:-0.38px;display:inline;\">The SPPI assessment of loans with ESG-linked features (\u2018green loans\u2019) is judgmental. These are loans </div><div class=\"t s7_154\" id=\"t1t_154\" style=\"left:654px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">where the interest cash flows are linked to certain ESG performance metrics and where analysis of </div><div class=\"t s8_154\" id=\"t1u_154\" style=\"left:654px;bottom:406px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the loans needs to be undertaken to assess whether the cash flows represent solely payments of </div><div class=\"t s7_154\" id=\"t1v_154\" style=\"left:654px;bottom:390px;letter-spacing:-0.38px;display:inline;\">principal and interest. In May 2024, the IASB issued amendments to IFRS 9 which included </div><div class=\"t s7_154\" id=\"t1w_154\" style=\"left:654px;bottom:374px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amendments impacting loans that contain ESG targets. The new requirements have been endorsed </div><div class=\"t s7_154\" id=\"t1x_154\" style=\"left:654px;bottom:358px;letter-spacing:-0.38px;display:inline;\">by the UK Endorsement Board and apply to accounting periods beginning on or after 1 January </div><div class=\"t s7_154\" id=\"t1y_154\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;display:inline;\">2026. The Group has early adopted these requirements and as a result continues to hold these </div><div class=\"t s8_154\" id=\"t1z_154\" style=\"left:654px;bottom:326px;letter-spacing:-0.38px;display:inline;\">loans at amortised cost. Prior to the issue of the new amendments, including for the year ended </div><div class=\"t s7_154\" id=\"t20_154\" style=\"left:654px;bottom:310px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">31 December 2024, the loans may have met the criteria to be recorded at fair value, however this </div><div class=\"t s7_154\" id=\"t21_154\" style=\"left:654px;bottom:294px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">would not have been material in the context of the overall value of loans and advances to customers. </div><div class=\"t s6_154\" id=\"t22_154\" style=\"left:654px;bottom:271px;letter-spacing:-0.39px;display:inline;\">Business model assessment </div><div class=\"t s7_154\" id=\"t23_154\" style=\"left:654px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group makes an assessment of the objective of a business model in which an asset is held at </div><div class=\"t s7_154\" id=\"t24_154\" style=\"left:654px;bottom:235px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">a portfolio level because this best reflects the way the business is managed and information is </div><div class=\"t s7_154\" id=\"t25_154\" style=\"left:654px;bottom:219px;letter-spacing:-0.39px;display:inline;\">provided to management. The information considered includes: </div><div class=\"t s8_154\" id=\"t26_154\" style=\"left:654px;bottom:196px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t27_154\" style=\"left:667px;bottom:196px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the stated policies and objectives for the portfolio and the operation of those policies in practice. </div><div class=\"t s7_154\" id=\"t28_154\" style=\"left:667px;bottom:180px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">In particular, whether management\u2019s strategy focuses on managing the portfolio in order to </div><div class=\"t s8_154\" id=\"t29_154\" style=\"left:667px;bottom:164px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">collect contractual cash flows or whether it is managed in order to trade to realise fair </div><div class=\"t s8_154\" id=\"t2a_154\" style=\"left:667px;bottom:148px;letter-spacing:-0.38px;display:inline;\">value changes; </div><div class=\"t s8_154\" id=\"t2b_154\" style=\"left:654px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 how the performance of the portfolio is evaluated and reports to management; </div><div class=\"t s8_154\" id=\"t2c_154\" style=\"left:654px;bottom:107px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t2d_154\" style=\"left:667px;bottom:107px;letter-spacing:-0.37px;display:inline;\">the risks that affect the performance of the business model (and the financial assets held within </div><div class=\"t s7_154\" id=\"t2e_154\" style=\"left:667px;bottom:91px;letter-spacing:-0.38px;display:inline;\">that business model) and how those risks are managed; and </div><div></div><div class=\"t s6_155\" id=\"t7_155\" style=\"left:65px;bottom:695px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 the frequency, volume and timing of sales in prior periods, the reasons for such sales and </div><div class=\"t s7_155\" id=\"t8_155\" style=\"left:78px;bottom:679px;letter-spacing:-0.38px;display:inline;\">itsexpectations about future sales activity. However, information about sales activity is not </div><div class=\"t s7_155\" id=\"t9_155\" style=\"left:78px;bottom:663px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">considered in isolation, but as part of an overall assessment of how the Group\u2019s stated objective </div><div class=\"t s6_155\" id=\"ta_155\" style=\"left:78px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for managing the financial assets is achieved and how cash flows are realised. </div><div class=\"t s7_155\" id=\"tb_155\" style=\"left:65px;bottom:623px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that are held for trading or managed and whose performance is evaluated on a fair </div><div class=\"t s7_155\" id=\"tc_155\" style=\"left:65px;bottom:607px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value basis are classified as FVTPL because they are neither held to collect contractual cash flows </div><div class=\"t s6_155\" id=\"td_155\" style=\"left:65px;bottom:591px;letter-spacing:-0.38px;display:inline;\">nor held both to collect contractual cash flows and to sell financial assets. </div><div class=\"t s8_155\" id=\"te_155\" style=\"left:65px;bottom:568px;letter-spacing:-0.4px;display:inline;\">Amortised cost measurement </div><div class=\"t s6_155\" id=\"tf_155\" style=\"left:65px;bottom:548px;letter-spacing:-0.37px;display:inline;\">The amortised cost of a financial asset or financial liability is the amount at which the financial asset </div><div class=\"t s6_155\" id=\"tg_155\" style=\"left:65px;bottom:532px;letter-spacing:-0.37px;display:inline;\">or financial liability is measured at initial recognition, plus or minus the cumulative amortisation </div><div class=\"t s7_155\" id=\"th_155\" style=\"left:65px;bottom:516px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">using the EIR, which is the rate that exactly discounts estimated future cash payments or receipts </div><div class=\"t s7_155\" id=\"ti_155\" style=\"left:65px;bottom:499px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">through the expected life of the financial instrument, minus any reduction for impairment. </div><div class=\"t s8_155\" id=\"tj_155\" style=\"left:65px;bottom:477px;letter-spacing:-0.38px;display:inline;\"><span>Derecognition of financial assets </span></div><div class=\"t s7_155\" id=\"tk_155\" style=\"left:65px;bottom:457px;letter-spacing:-0.38px;display:inline;\">Financial assets are derecognised when the rights to receive cash flows from the financial assets </div><div class=\"t s7_155\" id=\"tl_155\" style=\"left:65px;bottom:441px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">have expired or where the Group has transferred substantially all of the risks and rewards of </div><div class=\"t s6_155\" id=\"tm_155\" style=\"left:65px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">ownership or in the event of a substantial modification. There have not been any instances </div><div class=\"t s7_155\" id=\"tn_155\" style=\"left:65px;bottom:408px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>where assets have only been partially derecognised. </span></div><div class=\"t s8_155\" id=\"to_155\" style=\"left:65px;bottom:386px;letter-spacing:-0.39px;display:inline;\"><span>Modification of loans </span></div><div class=\"t s7_155\" id=\"tp_155\" style=\"left:65px;bottom:366px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A customer\u2019s account may be modified to assist customers who are in, or have recently overcome, </div><div class=\"t s6_155\" id=\"tq_155\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial difficulties and have demonstrated both the ability and willingness to meet the current or </div><div class=\"t s6_155\" id=\"tr_155\" style=\"left:65px;bottom:333px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modified loan contractual payments. Substantial loan modifications result in the derecognition of </div><div class=\"t s7_155\" id=\"ts_155\" style=\"left:65px;bottom:317px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the existing loan, and the recognition of a new loan at the new origination EIR based on the expected </div><div class=\"t s7_155\" id=\"tt_155\" style=\"left:65px;bottom:301px;letter-spacing:-0.38px;display:inline;\">future cash flows at origination. Determination of the origination Probability of Default (\u2018PD\u2019) for </div><div class=\"t s7_155\" id=\"tu_155\" style=\"left:65px;bottom:285px;letter-spacing:-0.37px;display:inline;\">the new loan is required, based on the PD as at the date of the modification, which is used for the </div><div class=\"t s6_155\" id=\"tv_155\" style=\"left:65px;bottom:269px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation of the impairment provision against the new loan. Any deferred fees or deferred </div><div class=\"t s6_155\" id=\"tw_155\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;display:inline;\">interest, and any difference between the carrying value of the derecognised loan and the new </div><div class=\"t s7_155\" id=\"tx_155\" style=\"left:65px;bottom:237px;letter-spacing:-0.38px;display:inline;\">loan, is written-off to the income statement on recognition of the new loan. </div><div class=\"t s7_155\" id=\"ty_155\" style=\"left:65px;bottom:215px;letter-spacing:-0.38px;display:inline;\">Where the modification is not considered to be substantial, neither the origination EIR nor the </div><div class=\"t s6_155\" id=\"tz_155\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;display:inline;\">origination probability of default for the modified loan changes. The net present value of changes </div><div class=\"t s7_155\" id=\"t10_155\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">to the future contractual cash flows adjusts the carrying amount of the original asset with the </div><div class=\"t s7_155\" id=\"t11_155\" style=\"left:65px;bottom:167px;letter-spacing:-0.38px;display:inline;\">difference immediately being recognised in profit or loss. The adjusted carrying amount is then </div><div class=\"t s7_155\" id=\"t12_155\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>amortised over the remaining term of the modified loan using the original EIR.</span> </div><div class=\"t s8_155\" id=\"t13_155\" style=\"left:65px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\"><span>Financial liabilities (with the exception of derivative financial instruments) </span></div><div class=\"t s7_155\" id=\"t14_155\" style=\"left:65px;bottom:108px;letter-spacing:-0.37px;display:inline;\">The Group classifies its financial liabilities as measured at amortised cost. Such financial liabilities </div><div class=\"t s7_155\" id=\"t15_155\" style=\"left:65px;bottom:92px;letter-spacing:-0.38px;display:inline;\">are recognised when cash is received from depositors and carried at amortised cost using the EIR </div><div class=\"t s7_155\" id=\"t16_155\" style=\"left:65px;bottom:76px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">method. Financial liabilities are derecognised when they are extinguished (i.e. when the obligation </div><div class=\"t s7_155\" id=\"t17_155\" style=\"left:65px;bottom:59px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>specified in the contract is discharged, cancelled or expires).</span> </div><div class=\"t s8_155\" id=\"t18_155\" style=\"left:654px;bottom:740px;letter-spacing:-0.37px;display:inline;\"><span>Offsetting of financial assets and financial liabilities </span></div><div class=\"t s7_155\" id=\"t19_155\" style=\"left:654px;bottom:720px;letter-spacing:-0.37px;display:inline;\">Financial assets and financial liabilities are not offset in the consolidated financial statements unless </div><span>the Group has both a legally enforceable right and intention to offset.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00458": {
   "value": "<span>Financial assets (with the exception of derivative financial instruments) accounting policy </span><div class=\"t s7_154\" id=\"td_154\" style=\"left:65px;bottom:578px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group classifies its financial assets at inception into three measurement categories; \u2018amortised </div><div class=\"t s7_154\" id=\"te_154\" style=\"left:65px;bottom:562px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">cost\u2019, \u2018Fair Value Through Other Comprehensive Income\u2019 (\u2018FVOCI\u2019) and \u2018Fair Value Through Profit or </div><div class=\"t s7_154\" id=\"tf_154\" style=\"left:65px;bottom:546px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Loss\u2019 (\u2018FVTPL\u2019). A financial asset is measured at amortised cost if both the following conditions are </div><div class=\"t s7_154\" id=\"tg_154\" style=\"left:65px;bottom:530px;letter-spacing:-0.38px;display:inline;\">met and it has not been designated as at FVTPL: </div><div class=\"t s8_154\" id=\"th_154\" style=\"left:65px;bottom:508px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"ti_154\" style=\"left:78px;bottom:508px;letter-spacing:-0.37px;display:inline;\">the asset is held within a business model whose objective is to hold the asset to collect its </div><div class=\"t s8_154\" id=\"tj_154\" style=\"left:78px;bottom:491px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">contractual cash flows; and </div><div class=\"t s8_154\" id=\"tk_154\" style=\"left:65px;bottom:471px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"tl_154\" style=\"left:78px;bottom:455px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are Solely Payments of Principal and Interest (\u2018SPPI\u2019). </div><div class=\"t s7_154\" id=\"tm_154\" style=\"left:65px;bottom:430px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s current business model for all financial assets, with the exception of derivative </div><div class=\"t s7_154\" id=\"tn_154\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial instruments, is to hold to collect contractual cash flows, and all assets held give rise to cash </div><div class=\"t s7_154\" id=\"to_154\" style=\"left:65px;bottom:398px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">flows on specified dates that represent SPPI on the outstanding principal amount. All of the Group\u2019s </div><div class=\"t s7_154\" id=\"tp_154\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets are, therefore, currently classified as amortised cost, except for derivative financial </div><div class=\"t s7_154\" id=\"tq_154\" style=\"left:65px;bottom:366px;letter-spacing:-0.38px;display:inline;\">instruments which are held at FVTPL. Loans are recognised when funds are advanced to customers </div><div class=\"t s7_154\" id=\"tr_154\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;display:inline;\">and are carried at amortised cost using the Effective Interest Rate (\u2018EIR\u2019) method. </div><div class=\"t s7_154\" id=\"ts_154\" style=\"left:65px;bottom:328px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A debt instrument would be measured at FVOCI only if both the below conditions are met and it has </div><div class=\"t s7_154\" id=\"tt_154\" style=\"left:65px;bottom:312px;letter-spacing:-0.39px;display:inline;\">not been designated as FVTPL: </div><div class=\"t s8_154\" id=\"tu_154\" style=\"left:65px;bottom:289px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"tv_154\" style=\"left:78px;bottom:289px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the asset is held within a business model whose objective is achieved by both collecting its </div><div class=\"t s8_154\" id=\"tw_154\" style=\"left:78px;bottom:273px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">contractual cash flows and selling the financial asset; and </div><div class=\"t s8_154\" id=\"tx_154\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 the contractual terms of the financial asset give rise to cash flows on specified dates that </div><div class=\"t s7_154\" id=\"ty_154\" style=\"left:78px;bottom:237px;letter-spacing:-0.38px;display:inline;\">represent SPPI on the outstanding principal amount. </div><div class=\"t s7_154\" id=\"tz_154\" style=\"left:65px;bottom:212px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group currently has no financial instruments classified as FVOCI. </div><div class=\"t s7_154\" id=\"t10_154\" style=\"left:65px;bottom:189px;letter-spacing:-0.38px;display:inline;\">See below for further details of the business model assessment and the SPPI test. </div><div class=\"t s7_154\" id=\"t11_154\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">On initial recognition of an equity investment that is not held for trading, the Group may irrevocably </div><div class=\"t s8_154\" id=\"t12_154\" style=\"left:65px;bottom:151px;letter-spacing:-0.38px;display:inline;\">elect to present subsequent changes in fair value in other comprehensive income. This election </div><div class=\"t s7_154\" id=\"t13_154\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">would be made on an investment-by-investment basis. The Group currently holds no </div><div class=\"t s8_154\" id=\"t14_154\" style=\"left:65px;bottom:119px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">such investments. </div><div class=\"t s7_154\" id=\"t15_154\" style=\"left:65px;bottom:96px;letter-spacing:-0.36px;word-spacing:-0.01px;display:inline;\">All other assets are classified as FVTPL. </div><div class=\"t s7_154\" id=\"t16_154\" style=\"left:65px;bottom:74px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets are not reclassified subsequent to their initial recognition, except in the period after </div><div class=\"t s7_154\" id=\"t17_154\" style=\"left:65px;bottom:58px;letter-spacing:-0.38px;display:inline;\">the Group changes its business model for managing financial assets. The Group has not reclassified </div><div class=\"t s8_154\" id=\"t18_154\" style=\"left:65px;bottom:42px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">any financial assets during the reporting period. </div><div class=\"t s6_154\" id=\"t19_154\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;display:inline;\">Assessment whether contractual cash flows are SPPI </div><div class=\"t s7_154\" id=\"t1a_154\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of this assessment, \u2018principal\u2019 is defined as the fair value of the financial asset on </div><div class=\"t s7_154\" id=\"t1b_154\" style=\"left:654px;bottom:704px;letter-spacing:-0.37px;display:inline;\">initial recognition. \u2018Interest\u2019 is defined as consideration for the cost of funds and for the credit risk </div><div class=\"t s8_154\" id=\"t1c_154\" style=\"left:654px;bottom:688px;letter-spacing:-0.38px;display:inline;\">associated with the principal amount outstanding during a particular period of time and for other </div><div class=\"t s7_154\" id=\"t1d_154\" style=\"left:654px;bottom:672px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">basic lending risks and costs (e.g. administrative costs), as well as profit margin. </div><div class=\"t s7_154\" id=\"t1e_154\" style=\"left:654px;bottom:649px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">In assessing whether the contractual cash flows are SPPI, the Group considers the contractual </div><div class=\"t s8_154\" id=\"t1f_154\" style=\"left:654px;bottom:633px;letter-spacing:-0.38px;display:inline;\">terms of the instrument. This includes assessing whether the financial asset contains a contractual </div><div class=\"t s8_154\" id=\"t1g_154\" style=\"left:654px;bottom:617px;letter-spacing:-0.38px;display:inline;\">term that could change the timing or amount of contractual cash flows such that it would not meet </div><div class=\"t s8_154\" id=\"t1h_154\" style=\"left:654px;bottom:601px;letter-spacing:-0.38px;display:inline;\">the condition. </div><div class=\"t s7_154\" id=\"t1i_154\" style=\"left:654px;bottom:578px;letter-spacing:-0.38px;display:inline;\">In making the assessment, the Group considers: </div><div class=\"t s8_154\" id=\"t1j_154\" style=\"left:654px;bottom:556px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 contingent events that would change the amount and timing of cash flows; </div><div class=\"t s8_154\" id=\"t1k_154\" style=\"left:654px;bottom:536px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1l_154\" style=\"left:667px;bottom:536px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">prepayments and extension terms; </div><div class=\"t s8_154\" id=\"t1m_154\" style=\"left:654px;bottom:515px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1n_154\" style=\"left:667px;bottom:515px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">terms that limit the Group\u2019s claim to cash flows from specific assets (e.g. non-recourse asset </div><div class=\"t s7_154\" id=\"t1o_154\" style=\"left:667px;bottom:499px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">arrangements); and </div><div class=\"t s8_154\" id=\"t1p_154\" style=\"left:654px;bottom:479px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t1q_154\" style=\"left:667px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">features that modify consideration of the time value of money (e.g. periodical reset of </div><div class=\"t s7_154\" id=\"t1r_154\" style=\"left:667px;bottom:463px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">interest rate). </div><div class=\"t s7_154\" id=\"t1s_154\" style=\"left:654px;bottom:438px;letter-spacing:-0.38px;display:inline;\">The SPPI assessment of loans with ESG-linked features (\u2018green loans\u2019) is judgmental. These are loans </div><div class=\"t s7_154\" id=\"t1t_154\" style=\"left:654px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">where the interest cash flows are linked to certain ESG performance metrics and where analysis of </div><div class=\"t s8_154\" id=\"t1u_154\" style=\"left:654px;bottom:406px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the loans needs to be undertaken to assess whether the cash flows represent solely payments of </div><div class=\"t s7_154\" id=\"t1v_154\" style=\"left:654px;bottom:390px;letter-spacing:-0.38px;display:inline;\">principal and interest. In May 2024, the IASB issued amendments to IFRS 9 which included </div><div class=\"t s7_154\" id=\"t1w_154\" style=\"left:654px;bottom:374px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amendments impacting loans that contain ESG targets. The new requirements have been endorsed </div><div class=\"t s7_154\" id=\"t1x_154\" style=\"left:654px;bottom:358px;letter-spacing:-0.38px;display:inline;\">by the UK Endorsement Board and apply to accounting periods beginning on or after 1 January </div><div class=\"t s7_154\" id=\"t1y_154\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;display:inline;\">2026. The Group has early adopted these requirements and as a result continues to hold these </div><div class=\"t s8_154\" id=\"t1z_154\" style=\"left:654px;bottom:326px;letter-spacing:-0.38px;display:inline;\">loans at amortised cost. Prior to the issue of the new amendments, including for the year ended </div><div class=\"t s7_154\" id=\"t20_154\" style=\"left:654px;bottom:310px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">31 December 2024, the loans may have met the criteria to be recorded at fair value, however this </div><div class=\"t s7_154\" id=\"t21_154\" style=\"left:654px;bottom:294px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">would not have been material in the context of the overall value of loans and advances to customers. </div><div class=\"t s6_154\" id=\"t22_154\" style=\"left:654px;bottom:271px;letter-spacing:-0.39px;display:inline;\">Business model assessment </div><div class=\"t s7_154\" id=\"t23_154\" style=\"left:654px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group makes an assessment of the objective of a business model in which an asset is held at </div><div class=\"t s7_154\" id=\"t24_154\" style=\"left:654px;bottom:235px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">a portfolio level because this best reflects the way the business is managed and information is </div><div class=\"t s7_154\" id=\"t25_154\" style=\"left:654px;bottom:219px;letter-spacing:-0.39px;display:inline;\">provided to management. The information considered includes: </div><div class=\"t s8_154\" id=\"t26_154\" style=\"left:654px;bottom:196px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t27_154\" style=\"left:667px;bottom:196px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the stated policies and objectives for the portfolio and the operation of those policies in practice. </div><div class=\"t s7_154\" id=\"t28_154\" style=\"left:667px;bottom:180px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">In particular, whether management\u2019s strategy focuses on managing the portfolio in order to </div><div class=\"t s8_154\" id=\"t29_154\" style=\"left:667px;bottom:164px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">collect contractual cash flows or whether it is managed in order to trade to realise fair </div><div class=\"t s8_154\" id=\"t2a_154\" style=\"left:667px;bottom:148px;letter-spacing:-0.38px;display:inline;\">value changes; </div><div class=\"t s8_154\" id=\"t2b_154\" style=\"left:654px;bottom:128px;letter-spacing:-0.39px;word-spacing:0.25px;display:inline;\">\u2022 how the performance of the portfolio is evaluated and reports to management; </div><div class=\"t s8_154\" id=\"t2c_154\" style=\"left:654px;bottom:107px;display:inline;\">\u2022 </div><div class=\"t s7_154\" id=\"t2d_154\" style=\"left:667px;bottom:107px;letter-spacing:-0.37px;display:inline;\">the risks that affect the performance of the business model (and the financial assets held within </div><div class=\"t s7_154\" id=\"t2e_154\" style=\"left:667px;bottom:91px;letter-spacing:-0.38px;display:inline;\">that business model) and how those risks are managed; and </div><div></div><div class=\"t s6_155\" id=\"t7_155\" style=\"left:65px;bottom:695px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 the frequency, volume and timing of sales in prior periods, the reasons for such sales and </div><div class=\"t s7_155\" id=\"t8_155\" style=\"left:78px;bottom:679px;letter-spacing:-0.38px;display:inline;\">itsexpectations about future sales activity. However, information about sales activity is not </div><div class=\"t s7_155\" id=\"t9_155\" style=\"left:78px;bottom:663px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">considered in isolation, but as part of an overall assessment of how the Group\u2019s stated objective </div><div class=\"t s6_155\" id=\"ta_155\" style=\"left:78px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for managing the financial assets is achieved and how cash flows are realised. </div><div class=\"t s7_155\" id=\"tb_155\" style=\"left:65px;bottom:623px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that are held for trading or managed and whose performance is evaluated on a fair </div><div class=\"t s7_155\" id=\"tc_155\" style=\"left:65px;bottom:607px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value basis are classified as FVTPL because they are neither held to collect contractual cash flows </div><div class=\"t s6_155\" id=\"td_155\" style=\"left:65px;bottom:591px;letter-spacing:-0.38px;display:inline;\">nor held both to collect contractual cash flows and to sell financial assets. </div><div class=\"t s8_155\" id=\"te_155\" style=\"left:65px;bottom:568px;letter-spacing:-0.4px;display:inline;\">Amortised cost measurement </div><div class=\"t s6_155\" id=\"tf_155\" style=\"left:65px;bottom:548px;letter-spacing:-0.37px;display:inline;\">The amortised cost of a financial asset or financial liability is the amount at which the financial asset </div><div class=\"t s6_155\" id=\"tg_155\" style=\"left:65px;bottom:532px;letter-spacing:-0.37px;display:inline;\">or financial liability is measured at initial recognition, plus or minus the cumulative amortisation </div><div class=\"t s7_155\" id=\"th_155\" style=\"left:65px;bottom:516px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">using the EIR, which is the rate that exactly discounts estimated future cash payments or receipts </div><div class=\"t s7_155\" id=\"ti_155\" style=\"left:65px;bottom:499px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">through the expected life of the financial instrument, minus any reduction for impairment. </div><div class=\"t s8_155\" id=\"tj_155\" style=\"left:65px;bottom:477px;letter-spacing:-0.38px;display:inline;\"><span>Derecognition of financial assets </span></div><div class=\"t s7_155\" id=\"tk_155\" style=\"left:65px;bottom:457px;letter-spacing:-0.38px;display:inline;\">Financial assets are derecognised when the rights to receive cash flows from the financial assets </div><div class=\"t s7_155\" id=\"tl_155\" style=\"left:65px;bottom:441px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">have expired or where the Group has transferred substantially all of the risks and rewards of </div><div class=\"t s6_155\" id=\"tm_155\" style=\"left:65px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">ownership or in the event of a substantial modification. There have not been any instances </div><div class=\"t s7_155\" id=\"tn_155\" style=\"left:65px;bottom:408px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>where assets have only been partially derecognised. </span></div><div class=\"t s8_155\" id=\"to_155\" style=\"left:65px;bottom:386px;letter-spacing:-0.39px;display:inline;\"><span>Modification of loans </span></div><div class=\"t s7_155\" id=\"tp_155\" style=\"left:65px;bottom:366px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A customer\u2019s account may be modified to assist customers who are in, or have recently overcome, </div><div class=\"t s6_155\" id=\"tq_155\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial difficulties and have demonstrated both the ability and willingness to meet the current or </div><div class=\"t s6_155\" id=\"tr_155\" style=\"left:65px;bottom:333px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modified loan contractual payments. Substantial loan modifications result in the derecognition of </div><div class=\"t s7_155\" id=\"ts_155\" style=\"left:65px;bottom:317px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the existing loan, and the recognition of a new loan at the new origination EIR based on the expected </div><div class=\"t s7_155\" id=\"tt_155\" style=\"left:65px;bottom:301px;letter-spacing:-0.38px;display:inline;\">future cash flows at origination. Determination of the origination Probability of Default (\u2018PD\u2019) for </div><div class=\"t s7_155\" id=\"tu_155\" style=\"left:65px;bottom:285px;letter-spacing:-0.37px;display:inline;\">the new loan is required, based on the PD as at the date of the modification, which is used for the </div><div class=\"t s6_155\" id=\"tv_155\" style=\"left:65px;bottom:269px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation of the impairment provision against the new loan. Any deferred fees or deferred </div><div class=\"t s6_155\" id=\"tw_155\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;display:inline;\">interest, and any difference between the carrying value of the derecognised loan and the new </div><div class=\"t s7_155\" id=\"tx_155\" style=\"left:65px;bottom:237px;letter-spacing:-0.38px;display:inline;\">loan, is written-off to the income statement on recognition of the new loan. </div><div class=\"t s7_155\" id=\"ty_155\" style=\"left:65px;bottom:215px;letter-spacing:-0.38px;display:inline;\">Where the modification is not considered to be substantial, neither the origination EIR nor the </div><div class=\"t s6_155\" id=\"tz_155\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;display:inline;\">origination probability of default for the modified loan changes. The net present value of changes </div><div class=\"t s7_155\" id=\"t10_155\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">to the future contractual cash flows adjusts the carrying amount of the original asset with the </div><div class=\"t s7_155\" id=\"t11_155\" style=\"left:65px;bottom:167px;letter-spacing:-0.38px;display:inline;\">difference immediately being recognised in profit or loss. The adjusted carrying amount is then </div><span>amortised over the remaining term of the modified loan using the original EIR.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00459": {
   "value": "<span>Derecognition of financial assets </span><div class=\"t s7_155\" id=\"tk_155\" style=\"left:65px;bottom:457px;letter-spacing:-0.38px;display:inline;\">Financial assets are derecognised when the rights to receive cash flows from the financial assets </div><div class=\"t s7_155\" id=\"tl_155\" style=\"left:65px;bottom:441px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">have expired or where the Group has transferred substantially all of the risks and rewards of </div><div class=\"t s6_155\" id=\"tm_155\" style=\"left:65px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">ownership or in the event of a substantial modification. There have not been any instances </div><span>where assets have only been partially derecognised. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
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   "value": "<span>Modification of loans </span><div class=\"t s7_155\" id=\"tp_155\" style=\"left:65px;bottom:366px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A customer\u2019s account may be modified to assist customers who are in, or have recently overcome, </div><div class=\"t s6_155\" id=\"tq_155\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial difficulties and have demonstrated both the ability and willingness to meet the current or </div><div class=\"t s6_155\" id=\"tr_155\" style=\"left:65px;bottom:333px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modified loan contractual payments. Substantial loan modifications result in the derecognition of </div><div class=\"t s7_155\" id=\"ts_155\" style=\"left:65px;bottom:317px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the existing loan, and the recognition of a new loan at the new origination EIR based on the expected </div><div class=\"t s7_155\" id=\"tt_155\" style=\"left:65px;bottom:301px;letter-spacing:-0.38px;display:inline;\">future cash flows at origination. Determination of the origination Probability of Default (\u2018PD\u2019) for </div><div class=\"t s7_155\" id=\"tu_155\" style=\"left:65px;bottom:285px;letter-spacing:-0.37px;display:inline;\">the new loan is required, based on the PD as at the date of the modification, which is used for the </div><div class=\"t s6_155\" id=\"tv_155\" style=\"left:65px;bottom:269px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation of the impairment provision against the new loan. Any deferred fees or deferred </div><div class=\"t s6_155\" id=\"tw_155\" style=\"left:65px;bottom:253px;letter-spacing:-0.38px;display:inline;\">interest, and any difference between the carrying value of the derecognised loan and the new </div><div class=\"t s7_155\" id=\"tx_155\" style=\"left:65px;bottom:237px;letter-spacing:-0.38px;display:inline;\">loan, is written-off to the income statement on recognition of the new loan. </div><div class=\"t s7_155\" id=\"ty_155\" style=\"left:65px;bottom:215px;letter-spacing:-0.38px;display:inline;\">Where the modification is not considered to be substantial, neither the origination EIR nor the </div><div class=\"t s6_155\" id=\"tz_155\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;display:inline;\">origination probability of default for the modified loan changes. The net present value of changes </div><div class=\"t s7_155\" id=\"t10_155\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">to the future contractual cash flows adjusts the carrying amount of the original asset with the </div><div class=\"t s7_155\" id=\"t11_155\" style=\"left:65px;bottom:167px;letter-spacing:-0.38px;display:inline;\">difference immediately being recognised in profit or loss. The adjusted carrying amount is then </div><span>amortised over the remaining term of the modified loan using the original EIR.</span>",
   "dimensions": {
    "concept": "stb:DescriptionOfOtherAccountingPoliciesRelatedToUnderstandingOfFinancialStatementsExplanatoryTextBlock",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00461": {
   "value": "<span>Financial liabilities (with the exception of derivative financial instruments) </span><div class=\"t s7_155\" id=\"t14_155\" style=\"left:65px;bottom:108px;letter-spacing:-0.37px;display:inline;\">The Group classifies its financial liabilities as measured at amortised cost. Such financial liabilities </div><div class=\"t s7_155\" id=\"t15_155\" style=\"left:65px;bottom:92px;letter-spacing:-0.38px;display:inline;\">are recognised when cash is received from depositors and carried at amortised cost using the EIR </div><div class=\"t s7_155\" id=\"t16_155\" style=\"left:65px;bottom:76px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">method. Financial liabilities are derecognised when they are extinguished (i.e. when the obligation </div><span>specified in the contract is discharged, cancelled or expires).</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00462": {
   "value": "<span>Offsetting of financial assets and financial liabilities </span><div class=\"t s7_155\" id=\"t19_155\" style=\"left:654px;bottom:720px;letter-spacing:-0.37px;display:inline;\">Financial assets and financial liabilities are not offset in the consolidated financial statements unless </div><span>the Group has both a legally enforceable right and intention to offset.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00463": {
   "value": "<span>1.5. Foreign currencies </span><div class=\"t s7_155\" id=\"t1c_155\" style=\"left:654px;bottom:659px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Transactions in foreign currencies are initially recorded at the rates of exchange prevailing on the </div><div class=\"t s7_155\" id=\"t1d_155\" style=\"left:654px;bottom:643px;letter-spacing:-0.38px;display:inline;\">dates of the transactions. Monetary assets and liabilities denominated in foreign currencies are </div><div class=\"t s7_155\" id=\"t1e_155\" style=\"left:654px;bottom:627px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">retranslated into the Company\u2019s functional currency at the rates prevailing on the consolidated </div><div class=\"t s7_155\" id=\"t1f_155\" style=\"left:654px;bottom:611px;letter-spacing:-0.38px;display:inline;\">statement of financial position date. Exchange differences arising on the settlement of monetary </div><div class=\"t s6_155\" id=\"t1g_155\" style=\"left:654px;bottom:595px;letter-spacing:-0.38px;display:inline;\">items, and on the retranslation of monetary items, are included in the income statement for </div><span>the period.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00307": {
   "value": "<span>2. Critical accounting judgements and key sources of estimation uncertainty </span><div class=\"t s4_155\" id=\"t1j_155\" style=\"left:654px;bottom:531px;letter-spacing:-0.18px;display:inline;\">2.1. Judgements </div><div class=\"t s7_155\" id=\"t1k_155\" style=\"left:654px;bottom:511px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">No critical judgements have been identified. </div><div class=\"t s4_155\" id=\"t1l_155\" style=\"left:654px;bottom:486px;letter-spacing:-0.2px;word-spacing:0.02px;display:inline;\"><span>2.2. Key sources of estimation uncertainty </span></div><div class=\"t s7_155\" id=\"t1m_155\" style=\"left:654px;bottom:467px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Estimations that could have a material impact on the Group\u2019s financial results, and, are </div><div class=\"t s7_155\" id=\"t1n_155\" style=\"left:654px;bottom:451px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">therefore, considered to be key sources of estimation uncertainty. Key sources of estimation </div><div class=\"t s7_155\" id=\"t1o_155\" style=\"left:654px;bottom:435px;letter-spacing:-0.38px;display:inline;\">can be found in: </div><div class=\"t s6_155\" id=\"t1p_155\" style=\"left:654px;bottom:412px;display:inline;\">\u2022 </div><div class=\"t s7_155\" id=\"t1q_155\" style=\"left:667px;bottom:412px;letter-spacing:-0.38px;display:inline;\">Note 17.1. Allowances for impairment of loans and advances to customers; </div><span>\u2022 Note 31.1. Provisions for liabilities and charges.</span><span>17.1. Key sources of estimation uncertainty </span><div class=\"t s5_172\" id=\"t6_172\" style=\"left:82px;bottom:679px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Estimations that could have a material impact on the Group\u2019s financial results and are, therefore, </div><div class=\"t s6_172\" id=\"t7_172\" style=\"left:82px;bottom:663px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">considered to be key sources of estimation uncertainty all relate to the impairment charge on </div><div class=\"t s6_172\" id=\"t8_172\" style=\"left:82px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">loans and advances to customers and are, therefore, set out below. The potential impact of the </div><div class=\"t s6_172\" id=\"t9_172\" style=\"left:82px;bottom:631px;letter-spacing:-0.39px;display:inline;\">current macroeconomic environment has been considered in determining reasonably possible </div><div class=\"t s5_172\" id=\"ta_172\" style=\"left:82px;bottom:615px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">changes in key sources of estimation uncertainty that may occur in the next 12 months. </div><div class=\"t s5_172\" id=\"tb_172\" style=\"left:82px;bottom:598px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The determination of both the PD and LGD require estimation, which is discussed further below. </div><div class=\"t s7_172\" id=\"tc_172\" style=\"left:82px;bottom:576px;letter-spacing:-0.39px;display:inline;\">17.1.1. Incorporation of forward-looking data </div><div class=\"t s5_172\" id=\"td_172\" style=\"left:82px;bottom:556px;letter-spacing:-0.38px;display:inline;\">The Group incorporates forward-looking information into both its assessment of whether the </div><div class=\"t s6_172\" id=\"te_172\" style=\"left:82px;bottom:540px;letter-spacing:-0.37px;display:inline;\">credit risk of a financial asset has increased significantly since initial recognition and its </div><div class=\"t s5_172\" id=\"tf_172\" style=\"left:82px;bottom:523px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">measurement of expected credit loss by developing a number of potential economic scenarios </div><div class=\"t s5_172\" id=\"tg_172\" style=\"left:82px;bottom:507px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and modelling expected credit losses for each scenario. Further detail on this process is provided </div><div class=\"t s5_172\" id=\"th_172\" style=\"left:82px;bottom:491px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">on page 169. The macroeconomic scenarios used were provided by external economic advisers. </div><div class=\"t s5_172\" id=\"ti_172\" style=\"left:82px;bottom:475px;letter-spacing:-0.38px;display:inline;\">The scenarios and weightings applied are summarised below: </div><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tj_172\" style=\"left:82px;bottom:452px;display:inline;\">December 2025 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">    \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"tk_172\" style=\"left:364px;bottom:452px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK unemployment rate \u2013 Annual Average </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tn_172\" style=\"left:366px;bottom:434px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tp_172\" style=\"left:444px;bottom:434px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tr_172\" style=\"left:522px;bottom:434px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tt_172\" style=\"left:559px;bottom:434px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tl_172\" style=\"left:82px;bottom:420px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tm_172\" style=\"left:255px;bottom:420px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"to_172\" style=\"left:384px;bottom:420px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"tq_172\" style=\"left:462px;bottom:420px;display:inline;\">% </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"ts_172\" style=\"left:540px;bottom:420px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"tu_172\" style=\"left:618px;bottom:420px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"tv_172\" style=\"left:82px;bottom:400px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"tw_172\" style=\"left:289px;bottom:400px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"tx_172\" style=\"left:375px;bottom:400px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"ty_172\" style=\"left:453px;bottom:400px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"tz_172\" style=\"left:531px;bottom:400px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t10_172\" style=\"left:609px;bottom:400px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t11_172\" style=\"left:82px;bottom:380px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t12_172\" style=\"left:289px;bottom:380px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t13_172\" style=\"left:375px;bottom:380px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t14_172\" style=\"left:453px;bottom:380px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t15_172\" style=\"left:531px;bottom:380px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t16_172\" style=\"left:609px;bottom:380px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t17_172\" style=\"left:82px;bottom:360px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t18_172\" style=\"left:289px;bottom:360px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t19_172\" style=\"left:375px;bottom:360px;letter-spacing:-0.25px;display:inline;\">5.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1a_172\" style=\"left:453px;bottom:360px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1b_172\" style=\"left:531px;bottom:360px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1c_172\" style=\"left:609px;bottom:360px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t1d_172\" style=\"left:82px;bottom:340px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1e_172\" style=\"left:297px;bottom:340px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1f_172\" style=\"left:375px;bottom:340px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1g_172\" style=\"left:453px;bottom:340px;letter-spacing:-0.25px;display:inline;\">7.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1h_172\" style=\"left:531px;bottom:340px;letter-spacing:-0.25px;display:inline;\">7.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1i_172\" style=\"left:609px;bottom:340px;letter-spacing:-0.25px;display:inline;\">7.1 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"t1j_172\" style=\"left:362px;bottom:312px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK HPI \u2013 movement from December 2025 </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1m_172\" style=\"left:366px;bottom:294px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1o_172\" style=\"left:444px;bottom:294px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1q_172\" style=\"left:522px;bottom:294px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1s_172\" style=\"left:559px;bottom:294px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1k_172\" style=\"left:82px;bottom:280px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1l_172\" style=\"left:255px;bottom:280px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1n_172\" style=\"left:384px;bottom:280px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1p_172\" style=\"left:462px;bottom:280px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1r_172\" style=\"left:540px;bottom:280px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1t_172\" style=\"left:618px;bottom:280px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t1u_172\" style=\"left:82px;bottom:260px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1v_172\" style=\"left:289px;bottom:260px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1w_172\" style=\"left:375px;bottom:260px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1x_172\" style=\"left:445px;bottom:260px;letter-spacing:-0.26px;display:inline;\">10.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1y_172\" style=\"left:523px;bottom:260px;letter-spacing:-0.26px;display:inline;\">17.9 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1z_172\" style=\"left:609px;bottom:260px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t20_172\" style=\"left:82px;bottom:240px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t21_172\" style=\"left:289px;bottom:240px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t22_172\" style=\"left:375px;bottom:240px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t23_172\" style=\"left:453px;bottom:240px;letter-spacing:-0.25px;display:inline;\">5.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t24_172\" style=\"left:523px;bottom:240px;letter-spacing:-0.26px;display:inline;\">10.8 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t25_172\" style=\"left:609px;bottom:240px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t26_172\" style=\"left:82px;bottom:220px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t27_172\" style=\"left:289px;bottom:220px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t28_172\" style=\"left:371px;bottom:220px;letter-spacing:-0.23px;display:inline;\">(5.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t29_172\" style=\"left:449px;bottom:220px;letter-spacing:-0.23px;display:inline;\">(7.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2a_172\" style=\"left:527px;bottom:220px;letter-spacing:-0.23px;display:inline;\">(7.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2b_172\" style=\"left:609px;bottom:220px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t2c_172\" style=\"left:82px;bottom:200px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2d_172\" style=\"left:297px;bottom:200px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2e_172\" style=\"left:363px;bottom:200px;letter-spacing:-0.24px;display:inline;\">(11.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2f_172\" style=\"left:441px;bottom:200px;letter-spacing:-0.24px;display:inline;\">(17.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2g_172\" style=\"left:519px;bottom:200px;letter-spacing:-0.24px;display:inline;\">(21.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2h_172\" style=\"left:605px;bottom:200px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"t2i_172\" style=\"left:362px;bottom:172px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK CPI \u2013 movement from December 2025 </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2l_172\" style=\"left:366px;bottom:154px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2n_172\" style=\"left:444px;bottom:154px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2p_172\" style=\"left:522px;bottom:154px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2r_172\" style=\"left:559px;bottom:154px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2j_172\" style=\"left:82px;bottom:140px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2k_172\" style=\"left:255px;bottom:140px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2m_172\" style=\"left:384px;bottom:140px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2o_172\" style=\"left:462px;bottom:140px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2q_172\" style=\"left:540px;bottom:140px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2s_172\" style=\"left:618px;bottom:140px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t2t_172\" style=\"left:82px;bottom:120px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2u_172\" style=\"left:289px;bottom:120px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2v_172\" style=\"left:375px;bottom:120px;letter-spacing:-0.25px;display:inline;\">3.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t2w_172\" style=\"left:453px;bottom:120px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t2x_172\" style=\"left:531px;bottom:120px;letter-spacing:-0.25px;display:inline;\">9.8 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2y_172\" style=\"left:609px;bottom:120px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t2z_172\" style=\"left:82px;bottom:100px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t30_172\" style=\"left:289px;bottom:100px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t31_172\" style=\"left:375px;bottom:100px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t32_172\" style=\"left:453px;bottom:100px;letter-spacing:-0.25px;display:inline;\">5.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t33_172\" style=\"left:531px;bottom:100px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t34_172\" style=\"left:609px;bottom:100px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t35_172\" style=\"left:82px;bottom:80px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t36_172\" style=\"left:289px;bottom:80px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t37_172\" style=\"left:375px;bottom:80px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t38_172\" style=\"left:453px;bottom:80px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t39_172\" style=\"left:531px;bottom:80px;letter-spacing:-0.25px;display:inline;\">4.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3a_172\" style=\"left:609px;bottom:80px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t3b_172\" style=\"left:82px;bottom:61px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3c_172\" style=\"left:297px;bottom:61px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3d_172\" style=\"left:375px;bottom:61px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3e_172\" style=\"left:453px;bottom:61px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3f_172\" style=\"left:531px;bottom:61px;letter-spacing:-0.25px;display:inline;\">2.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3g_172\" style=\"left:609px;bottom:61px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td></tr>\n                                        </table>\n<div class=\"t s8_172\" id=\"t3h_172\" style=\"left:654px;bottom:695px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\"> </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s8_172\" id=\"t3i_172\" style=\"left:961px;bottom:695px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK Base Rate \u2013 Annual Average </div>  </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3l_172\" style=\"left:938px;bottom:676px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3n_172\" style=\"left:1016px;bottom:676px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3p_172\" style=\"left:1094px;bottom:676px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3r_172\" style=\"left:1131px;bottom:676px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3j_172\" style=\"left:654px;bottom:662px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3k_172\" style=\"left:827px;bottom:662px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3m_172\" style=\"left:956px;bottom:662px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3o_172\" style=\"left:1034px;bottom:662px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3q_172\" style=\"left:1112px;bottom:662px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3s_172\" style=\"left:1190px;bottom:662px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t3t_172\" style=\"left:654px;bottom:642px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3u_172\" style=\"left:861px;bottom:642px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3v_172\" style=\"left:947px;bottom:642px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3w_172\" style=\"left:1025px;bottom:642px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3x_172\" style=\"left:1103px;bottom:642px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3y_172\" style=\"left:1181px;bottom:642px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t3z_172\" style=\"left:654px;bottom:622px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t40_172\" style=\"left:861px;bottom:622px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t41_172\" style=\"left:947px;bottom:622px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t42_172\" style=\"left:1025px;bottom:622px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t43_172\" style=\"left:1103px;bottom:622px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t44_172\" style=\"left:1181px;bottom:622px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t45_172\" style=\"left:654px;bottom:603px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t46_172\" style=\"left:861px;bottom:603px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t47_172\" style=\"left:947px;bottom:603px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t48_172\" style=\"left:1025px;bottom:603px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t49_172\" style=\"left:1103px;bottom:603px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t4a_172\" style=\"left:1181px;bottom:603px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t4b_172\" style=\"left:654px;bottom:583px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4c_172\" style=\"left:869px;bottom:583px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t4d_172\" style=\"left:947px;bottom:583px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4e_172\" style=\"left:1025px;bottom:583px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4f_172\" style=\"left:1103px;bottom:583px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4g_172\" style=\"left:1181px;bottom:583px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"t4h_172\" style=\"left:941px;bottom:555px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK debt service ratio \u2013 Annual Average </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4k_172\" style=\"left:938px;bottom:536px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4m_172\" style=\"left:1016px;bottom:536px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4o_172\" style=\"left:1094px;bottom:536px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4q_172\" style=\"left:1131px;bottom:536px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4i_172\" style=\"left:654px;bottom:523px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4j_172\" style=\"left:827px;bottom:523px;letter-spacing:-0.04px;display:inline;\">Weightings </div> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4l_172\" style=\"left:956px;bottom:523px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4n_172\" style=\"left:1034px;bottom:523px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4p_172\" style=\"left:1112px;bottom:523px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4r_172\" style=\"left:1190px;bottom:523px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t4s_172\" style=\"left:654px;bottom:502px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4t_172\" style=\"left:861px;bottom:502px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4u_172\" style=\"left:947px;bottom:502px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4v_172\" style=\"left:1025px;bottom:502px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t4w_172\" style=\"left:1103px;bottom:502px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4x_172\" style=\"left:1181px;bottom:502px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t4y_172\" style=\"left:654px;bottom:482px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4z_172\" style=\"left:861px;bottom:482px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t50_172\" style=\"left:947px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t51_172\" style=\"left:1025px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t52_172\" style=\"left:1103px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t53_172\" style=\"left:1181px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t54_172\" style=\"left:654px;bottom:463px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t55_172\" style=\"left:861px;bottom:463px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t56_172\" style=\"left:947px;bottom:463px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t57_172\" style=\"left:1025px;bottom:463px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t58_172\" style=\"left:1103px;bottom:463px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t59_172\" style=\"left:1181px;bottom:463px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5a_172\" style=\"left:654px;bottom:443px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t5b_172\" style=\"left:869px;bottom:443px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t5c_172\" style=\"left:947px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t5d_172\" style=\"left:1025px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t5e_172\" style=\"left:1103px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t5f_172\" style=\"left:1181px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td></tr>\n                                        </table><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t5g_172\" style=\"left:654px;bottom:415px;display:inline;\">December 2024 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t sc_172\" id=\"t5h_172\" style=\"left:940px;bottom:415px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK unemployment rate \u2013 Annual Average </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5k_172\" style=\"left:938px;bottom:396px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5m_172\" style=\"left:1016px;bottom:396px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t5o_172\" style=\"left:1094px;bottom:396px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t5q_172\" style=\"left:1133px;bottom:396px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t5i_172\" style=\"left:654px;bottom:383px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5j_172\" style=\"left:828px;bottom:383px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5l_172\" style=\"left:956px;bottom:383px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5n_172\" style=\"left:1034px;bottom:383px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5p_172\" style=\"left:1112px;bottom:383px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5r_172\" style=\"left:1190px;bottom:383px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5s_172\" style=\"left:654px;bottom:362px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5t_172\" style=\"left:861px;bottom:362px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5u_172\" style=\"left:947px;bottom:362px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5v_172\" style=\"left:1025px;bottom:362px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5w_172\" style=\"left:1103px;bottom:362px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t5x_172\" style=\"left:1181px;bottom:362px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5y_172\" style=\"left:654px;bottom:343px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5z_172\" style=\"left:861px;bottom:343px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t60_172\" style=\"left:947px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t61_172\" style=\"left:1025px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t62_172\" style=\"left:1103px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t63_172\" style=\"left:1181px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t64_172\" style=\"left:654px;bottom:323px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t65_172\" style=\"left:861px;bottom:323px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t66_172\" style=\"left:947px;bottom:323px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t67_172\" style=\"left:1025px;bottom:323px;letter-spacing:-0.25px;display:inline;\">6.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t68_172\" style=\"left:1103px;bottom:323px;letter-spacing:-0.25px;display:inline;\">6.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t69_172\" style=\"left:1181px;bottom:323px;letter-spacing:-0.25px;display:inline;\">6.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6a_172\" style=\"left:654px;bottom:303px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6b_172\" style=\"left:869px;bottom:303px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6c_172\" style=\"left:947px;bottom:303px;letter-spacing:-0.25px;display:inline;\">5.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6d_172\" style=\"left:1025px;bottom:303px;letter-spacing:-0.25px;display:inline;\">6.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6e_172\" style=\"left:1103px;bottom:303px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6f_172\" style=\"left:1181px;bottom:303px;letter-spacing:-0.25px;display:inline;\">6.8 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t sc_172\" id=\"t6g_172\" style=\"left:937px;bottom:275px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK HPI \u2013 movement from December 2024 </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6j_172\" style=\"left:938px;bottom:257px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6l_172\" style=\"left:1016px;bottom:257px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t6n_172\" style=\"left:1094px;bottom:257px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t6p_172\" style=\"left:1133px;bottom:257px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t6h_172\" style=\"left:654px;bottom:243px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6i_172\" style=\"left:828px;bottom:243px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6k_172\" style=\"left:956px;bottom:243px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6m_172\" style=\"left:1034px;bottom:243px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6o_172\" style=\"left:1112px;bottom:243px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6q_172\" style=\"left:1190px;bottom:243px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6r_172\" style=\"left:654px;bottom:222px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6s_172\" style=\"left:861px;bottom:222px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6t_172\" style=\"left:947px;bottom:222px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6u_172\" style=\"left:1025px;bottom:222px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6v_172\" style=\"left:1095px;bottom:222px;letter-spacing:-0.26px;display:inline;\">13.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6w_172\" style=\"left:1181px;bottom:222px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6x_172\" style=\"left:654px;bottom:203px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6y_172\" style=\"left:861px;bottom:203px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6z_172\" style=\"left:947px;bottom:203px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t70_172\" style=\"left:1025px;bottom:203px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t71_172\" style=\"left:1103px;bottom:203px;letter-spacing:-0.25px;display:inline;\">6.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t72_172\" style=\"left:1181px;bottom:203px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t73_172\" style=\"left:654px;bottom:183px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t74_172\" style=\"left:861px;bottom:183px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t75_172\" style=\"left:943px;bottom:183px;letter-spacing:-0.23px;display:inline;\">(6.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t76_172\" style=\"left:1021px;bottom:183px;letter-spacing:-0.23px;display:inline;\">(9.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t77_172\" style=\"left:1091px;bottom:183px;letter-spacing:-0.24px;display:inline;\">(11.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t78_172\" style=\"left:1177px;bottom:183px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t79_172\" style=\"left:654px;bottom:163px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t7a_172\" style=\"left:869px;bottom:163px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7b_172\" style=\"left:935px;bottom:163px;letter-spacing:-0.24px;display:inline;\">(12.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7c_172\" style=\"left:1013px;bottom:163px;letter-spacing:-0.24px;display:inline;\">(18.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7d_172\" style=\"left:1091px;bottom:163px;letter-spacing:-0.24px;display:inline;\">(24.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7e_172\" style=\"left:1177px;bottom:163px;letter-spacing:-0.23px;display:inline;\">(3.4) </div></td></tr>\n                                        </table><div></div><div class=\"t s6_173\" id=\"t7_173\" style=\"left:82px;bottom:678px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">December 2024 (continued) </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s6_173\" id=\"t8_173\" style=\"left:349px;bottom:678px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK CPI \u2013 movement from December 2024 </div>   </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"tb_173\" style=\"left:349px;bottom:662px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"td_173\" style=\"left:427px;bottom:662px;display:inline;\">2026 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"tf_173\" style=\"left:505px;bottom:662px;display:inline;\">2027 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"th_173\" style=\"left:544px;bottom:662px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t9_173\" style=\"left:82px;bottom:648px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"ta_173\" style=\"left:239px;bottom:648px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"tc_173\" style=\"left:367px;bottom:648px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"te_173\" style=\"left:445px;bottom:648px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"tg_173\" style=\"left:523px;bottom:648px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"ti_173\" style=\"left:601px;bottom:648px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tj_173\" style=\"left:82px;bottom:630px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tk_173\" style=\"left:272px;bottom:630px;letter-spacing:-0.3px;display:inline;\">20% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tl_173\" style=\"left:358px;bottom:630px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tm_173\" style=\"left:436px;bottom:630px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tn_173\" style=\"left:506px;bottom:630px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"to_173\" style=\"left:592px;bottom:630px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tp_173\" style=\"left:82px;bottom:612px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tq_173\" style=\"left:272px;bottom:612px;letter-spacing:-0.3px;display:inline;\">50% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tr_173\" style=\"left:358px;bottom:612px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"ts_173\" style=\"left:436px;bottom:612px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tt_173\" style=\"left:514px;bottom:612px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tu_173\" style=\"left:592px;bottom:612px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tv_173\" style=\"left:82px;bottom:595px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tw_173\" style=\"left:272px;bottom:595px;letter-spacing:-0.3px;display:inline;\">25% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tx_173\" style=\"left:358px;bottom:595px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"ty_173\" style=\"left:436px;bottom:595px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tz_173\" style=\"left:514px;bottom:595px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t10_173\" style=\"left:592px;bottom:595px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t11_173\" style=\"left:82px;bottom:577px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t12_173\" style=\"left:280px;bottom:577px;letter-spacing:-0.31px;display:inline;\">5% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t13_173\" style=\"left:358px;bottom:577px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t14_173\" style=\"left:436px;bottom:577px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t15_173\" style=\"left:514px;bottom:577px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t16_173\" style=\"left:592px;bottom:577px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s6_173\" id=\"t17_173\" style=\"left:376px;bottom:549px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK Bank Rate \u2013 Annual Average </div>  </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1a_173\" style=\"left:349px;bottom:533px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1c_173\" style=\"left:427px;bottom:533px;display:inline;\">2026 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t1e_173\" style=\"left:505px;bottom:533px;display:inline;\">2027 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t1g_173\" style=\"left:544px;bottom:533px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t18_173\" style=\"left:82px;bottom:519px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t19_173\" style=\"left:239px;bottom:519px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1b_173\" style=\"left:367px;bottom:519px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1d_173\" style=\"left:445px;bottom:519px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1f_173\" style=\"left:523px;bottom:519px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1h_173\" style=\"left:601px;bottom:519px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1i_173\" style=\"left:82px;bottom:501px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1j_173\" style=\"left:272px;bottom:501px;letter-spacing:-0.3px;display:inline;\">20% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1k_173\" style=\"left:358px;bottom:501px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1l_173\" style=\"left:436px;bottom:501px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1m_173\" style=\"left:514px;bottom:501px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1n_173\" style=\"left:592px;bottom:501px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1o_173\" style=\"left:82px;bottom:483px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1p_173\" style=\"left:272px;bottom:483px;letter-spacing:-0.3px;display:inline;\">50% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1q_173\" style=\"left:358px;bottom:483px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1r_173\" style=\"left:436px;bottom:483px;letter-spacing:-0.25px;display:inline;\">3.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1s_173\" style=\"left:514px;bottom:483px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1t_173\" style=\"left:592px;bottom:483px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1u_173\" style=\"left:82px;bottom:466px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1v_173\" style=\"left:272px;bottom:466px;letter-spacing:-0.3px;display:inline;\">25% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1w_173\" style=\"left:358px;bottom:466px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1x_173\" style=\"left:436px;bottom:466px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1y_173\" style=\"left:514px;bottom:466px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1z_173\" style=\"left:592px;bottom:466px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t20_173\" style=\"left:82px;bottom:448px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t21_173\" style=\"left:280px;bottom:448px;letter-spacing:-0.31px;display:inline;\">5% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t22_173\" style=\"left:358px;bottom:448px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t23_173\" style=\"left:436px;bottom:448px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t24_173\" style=\"left:514px;bottom:448px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t25_173\" style=\"left:592px;bottom:448px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s6_173\" id=\"t26_173\" style=\"left:357px;bottom:420px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK debt service ratio \u2013 Annual Average </div>   </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t29_173\" style=\"left:349px;bottom:404px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2b_173\" style=\"left:427px;bottom:404px;display:inline;\">2026 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t2d_173\" style=\"left:505px;bottom:404px;display:inline;\">2027 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t2f_173\" style=\"left:544px;bottom:404px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t27_173\" style=\"left:82px;bottom:390px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t28_173\" style=\"left:239px;bottom:390px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2a_173\" style=\"left:367px;bottom:390px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2c_173\" style=\"left:445px;bottom:390px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2e_173\" style=\"left:523px;bottom:390px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2g_173\" style=\"left:601px;bottom:390px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2h_173\" style=\"left:82px;bottom:372px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2i_173\" style=\"left:272px;bottom:372px;letter-spacing:-0.3px;display:inline;\">20% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2j_173\" style=\"left:358px;bottom:372px;letter-spacing:-0.25px;display:inline;\">5.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2k_173\" style=\"left:436px;bottom:372px;letter-spacing:-0.25px;display:inline;\">5.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t2l_173\" style=\"left:514px;bottom:372px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2m_173\" style=\"left:592px;bottom:372px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2n_173\" style=\"left:82px;bottom:354px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2o_173\" style=\"left:272px;bottom:354px;letter-spacing:-0.3px;display:inline;\">50% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2p_173\" style=\"left:358px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2q_173\" style=\"left:436px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2r_173\" style=\"left:514px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2s_173\" style=\"left:592px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t2t_173\" style=\"left:82px;bottom:337px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2u_173\" style=\"left:272px;bottom:337px;letter-spacing:-0.3px;display:inline;\">25% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2v_173\" style=\"left:358px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2w_173\" style=\"left:436px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2x_173\" style=\"left:514px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2y_173\" style=\"left:592px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2z_173\" style=\"left:82px;bottom:319px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t30_173\" style=\"left:280px;bottom:319px;letter-spacing:-0.31px;display:inline;\">5% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t31_173\" style=\"left:358px;bottom:319px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t32_173\" style=\"left:436px;bottom:319px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t33_173\" style=\"left:514px;bottom:319px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t34_173\" style=\"left:592px;bottom:319px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_173\" id=\"t35_173\" style=\"left:82px;bottom:293px;letter-spacing:-0.38px;display:inline;\">The sensitivity of the ECL allowance to reasonably possible changes in scenario weighting (an </div><div class=\"t s9_173\" id=\"t36_173\" style=\"left:82px;bottom:277px;letter-spacing:-0.38px;display:inline;\">increase in downside case weighting from the upside case and an increase in severe stress case </div><div class=\"t sa_173\" id=\"t37_173\" style=\"left:82px;bottom:261px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">weighting from the base case) has been assessed by the Group and computed as not material. </div><div class=\"t sa_173\" id=\"t38_173\" style=\"left:82px;bottom:238px;letter-spacing:-0.38px;display:inline;\">The Group recognised a total impairment charge of \u00a358.0 million (2024: \u00a361.9 million). </div><div class=\"t s9_173\" id=\"t39_173\" style=\"left:82px;bottom:222px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Were each of the scenarios to be applied at 100%, rather than using the weightings set out above, </div><div class=\"t sa_173\" id=\"t3a_173\" style=\"left:82px;bottom:206px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the increase/(decrease) in ECL provisions would be as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s7_173\" id=\"t3b_173\" style=\"left:460px;bottom:183px;display:inline;\">2025 </div>  </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3d_173\" style=\"left:354px;bottom:165px;letter-spacing:-0.16px;display:inline;\">Vehicle </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3g_173\" style=\"left:440px;bottom:165px;letter-spacing:-0.04px;display:inline;\">Retail </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3j_173\" style=\"left:503px;bottom:165px;letter-spacing:-0.03px;display:inline;\">Business </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3m_173\" style=\"left:601px;bottom:165px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3e_173\" style=\"left:352px;bottom:152px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3h_173\" style=\"left:430px;bottom:152px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3k_173\" style=\"left:508px;bottom:152px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3n_173\" style=\"left:594px;bottom:152px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t3c_173\" style=\"left:82px;bottom:139px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3f_173\" style=\"left:350px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3i_173\" style=\"left:428px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3l_173\" style=\"left:506px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3o_173\" style=\"left:584px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t3p_173\" style=\"left:82px;bottom:120px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3q_173\" style=\"left:371px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3r_173\" style=\"left:449px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3s_173\" style=\"left:527px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(1.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3t_173\" style=\"left:605px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t3u_173\" style=\"left:82px;bottom:102px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3v_173\" style=\"left:371px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3w_173\" style=\"left:449px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3x_173\" style=\"left:527px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3y_173\" style=\"left:605px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t3z_173\" style=\"left:82px;bottom:85px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t40_173\" style=\"left:375px;bottom:85px;letter-spacing:-0.22px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t41_173\" style=\"left:453px;bottom:85px;letter-spacing:-0.22px;display:inline;\">0.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t42_173\" style=\"left:531px;bottom:85px;letter-spacing:-0.22px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t43_173\" style=\"left:609px;bottom:85px;letter-spacing:-0.22px;display:inline;\">4.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t44_173\" style=\"left:82px;bottom:67px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t45_173\" style=\"left:375px;bottom:67px;letter-spacing:-0.22px;display:inline;\">2.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t46_173\" style=\"left:453px;bottom:67px;letter-spacing:-0.22px;display:inline;\">0.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t47_173\" style=\"left:531px;bottom:67px;letter-spacing:-0.22px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t48_173\" style=\"left:609px;bottom:67px;letter-spacing:-0.22px;display:inline;\">6.9 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s8_173\" id=\"t49_173\" style=\"left:1032px;bottom:694px;display:inline;\">2024 </div>  </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4b_173\" style=\"left:926px;bottom:677px;letter-spacing:-0.15px;display:inline;\">Vehicle </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4e_173\" style=\"left:1011px;bottom:677px;letter-spacing:-0.04px;display:inline;\">Retail </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4h_173\" style=\"left:1074px;bottom:677px;letter-spacing:-0.03px;display:inline;\">Business </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4k_173\" style=\"left:1172px;bottom:677px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4c_173\" style=\"left:923px;bottom:664px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4f_173\" style=\"left:1001px;bottom:664px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4i_173\" style=\"left:1079px;bottom:664px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4l_173\" style=\"left:1164px;bottom:664px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4a_173\" style=\"left:652px;bottom:650px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4d_173\" style=\"left:922px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4g_173\" style=\"left:1000px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4j_173\" style=\"left:1078px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4m_173\" style=\"left:1156px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4n_173\" style=\"left:652px;bottom:632px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4o_173\" style=\"left:941px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4p_173\" style=\"left:1019px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4q_173\" style=\"left:1097px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(1.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4r_173\" style=\"left:1175px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4s_173\" style=\"left:652px;bottom:612px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4t_173\" style=\"left:941px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4u_173\" style=\"left:1019px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4v_173\" style=\"left:1097px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4w_173\" style=\"left:1175px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4x_173\" style=\"left:652px;bottom:595px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4y_173\" style=\"left:945px;bottom:595px;letter-spacing:-0.22px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4z_173\" style=\"left:1023px;bottom:595px;letter-spacing:-0.22px;display:inline;\">0.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t50_173\" style=\"left:1101px;bottom:595px;letter-spacing:-0.22px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t51_173\" style=\"left:1179px;bottom:595px;letter-spacing:-0.22px;display:inline;\">2.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t52_173\" style=\"left:652px;bottom:577px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t53_173\" style=\"left:945px;bottom:577px;letter-spacing:-0.22px;display:inline;\">1.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t54_173\" style=\"left:1023px;bottom:577px;letter-spacing:-0.22px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t55_173\" style=\"left:1101px;bottom:577px;letter-spacing:-0.22px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t56_173\" style=\"left:1179px;bottom:577px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_173\" id=\"t57_173\" style=\"left:652px;bottom:551px;letter-spacing:-0.39px;display:inline;\">17.1.2. ECL modelled output: Estimation of PDs </div><div class=\"t sa_173\" id=\"t58_173\" style=\"left:652px;bottom:531px;letter-spacing:-0.37px;display:inline;\">Sensitivity to reasonably possible changes in PD could potentially result in material changes in </div><div class=\"t sa_173\" id=\"t59_173\" style=\"left:652px;bottom:515px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">the ECL allowance for Vehicle Finance and Retail Finance. </div><div class=\"t sa_173\" id=\"t5a_173\" style=\"left:652px;bottom:494px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">A 15% change in the PD for Vehicle Finance would immediately impact the ECL allowance by </div><div class=\"t sa_173\" id=\"t5b_173\" style=\"left:652px;bottom:478px;letter-spacing:-0.38px;display:inline;\">\u00a33.7 million (2024: a 15% change impacted the ECL allowance by \u00a34.0 million). </div><div class=\"t sa_173\" id=\"t5c_173\" style=\"left:652px;bottom:458px;letter-spacing:-0.38px;display:inline;\">A 15% change in the PD for Retail Finance would immediately impact the ECL allowance by </div><div class=\"t sa_173\" id=\"t5d_173\" style=\"left:652px;bottom:442px;letter-spacing:-0.38px;display:inline;\">\u00a34.1 million (2024: a 15% change impacted the ECL allowance by \u00a33.4 million). </div><div class=\"t s9_173\" id=\"t5e_173\" style=\"left:652px;bottom:421px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">The above sensitivities reflect the levels of defaults observed during the year. </div><div class=\"t sa_173\" id=\"t5f_173\" style=\"left:652px;bottom:401px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Due to the relatively low levels of provisions on the Business Finance books, sensitivity to </div><div class=\"t sa_173\" id=\"t5g_173\" style=\"left:652px;bottom:385px;letter-spacing:-0.38px;display:inline;\">reasonably possible changes in PD are not considered material. </div><div class=\"t s4_173\" id=\"t5h_173\" style=\"left:652px;bottom:362px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">17.1.3. ECL modelled output: Vehicle Finance recovery rates </div><div class=\"t sa_173\" id=\"t5i_173\" style=\"left:652px;bottom:342px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">With the exception of the Vehicle Finance portfolio, the sensitivity of the ECL allowance to </div><div class=\"t sa_173\" id=\"t5j_173\" style=\"left:652px;bottom:326px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">reasonably possible changes in the LGD is not considered material. The Vehicle Finance portfolio </div><div class=\"t sa_173\" id=\"t5k_173\" style=\"left:652px;bottom:310px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">is particularly sensitive to changes in LGD due to the range of outcomes that could crystallise, </div><div class=\"t sa_173\" id=\"t5l_173\" style=\"left:652px;bottom:294px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">depending on whether the Group is able to recover the vehicle as security. For the Vehicle </div><div class=\"t sa_173\" id=\"t5m_173\" style=\"left:652px;bottom:278px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Finance portfolio, a 20% (2024: 20%) change in the recovery rate assumption in the LGD is </div><div class=\"t s9_173\" id=\"t5n_173\" style=\"left:652px;bottom:262px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">considered reasonably possible due to delays in the vehicle collection process. A 20% </div><div class=\"t sa_173\" id=\"t5o_173\" style=\"left:652px;bottom:246px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">(2024: 20%) reduction in the vehicle recovery rate assumption element of the LGD for Vehicle </div><div class=\"t sa_173\" id=\"t5p_173\" style=\"left:652px;bottom:230px;letter-spacing:-0.38px;display:inline;\">Finance would increase the ECL by \u00a31.2 million (2024: \u00a31.7 million). There has been no change in </div><div class=\"t s9_173\" id=\"t5q_173\" style=\"left:652px;bottom:214px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">the vehicle recovery rate assumption in the ECL model in either the current or prior year. </div><div class=\"t s4_173\" id=\"t5r_173\" style=\"left:652px;bottom:191px;letter-spacing:-0.38px;display:inline;\">17.1.4. Climate-risk impact </div><div class=\"t sa_173\" id=\"t5s_173\" style=\"left:652px;bottom:171px;letter-spacing:-0.38px;display:inline;\">The Group considers the impact of climate-related risks on the financial statements on an annual </div><div class=\"t sa_173\" id=\"t5t_173\" style=\"left:652px;bottom:155px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">basis, in particular, climate change negatively impacting the value of the Group\u2019s Real Estate </div><div class=\"t sa_173\" id=\"t5u_173\" style=\"left:652px;bottom:139px;letter-spacing:-0.38px;display:inline;\">Finance business\u2019 security due to the increased risk of flooding associated with climate change. </div><div class=\"t sa_173\" id=\"t5v_173\" style=\"left:652px;bottom:118px;letter-spacing:-0.38px;display:inline;\">While the effects of climate change represent a source of uncertainty (in respect of potential </div><div class=\"t sa_173\" id=\"t5w_173\" style=\"left:652px;bottom:102px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">transitional risks, such as those that may arise from changes in future government policy), the </div><div class=\"t sa_173\" id=\"t5x_173\" style=\"left:652px;bottom:86px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">impact of all of the climate change risks is considered to be low. Accordingly, the Group does </div><div class=\"t sa_173\" id=\"t5y_173\" style=\"left:652px;bottom:70px;letter-spacing:-0.38px;display:inline;\">not consider there to be a material impact on its judgements and estimates from the physical, </div><span>transitional and other climate-related risks in the short term.</span><span>31.1. Key sources of estimation uncertainty </span><div class=\"t s5_183\" id=\"ti_183\" style=\"left:82px;bottom:403px;letter-spacing:-0.38px;display:inline;\">In January 2024, the FCA launched a review of the historical use of discretionary commission </div><div class=\"t s5_183\" id=\"tj_183\" style=\"left:82px;bottom:387px;letter-spacing:-0.41px;word-spacing:-0.02px;display:inline;\">arrangements (\u2018DCAs\u2019) in the motor finance industry. The Vehicle Finance business sometimes </div><div class=\"t s5_183\" id=\"tk_183\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">operated these arrangements until June 2017, but stopped doing so well ahead of the FCA </div><div class=\"t s5_183\" id=\"tl_183\" style=\"left:82px;bottom:355px;letter-spacing:-0.38px;display:inline;\">banning their use in January 2021. </div><div class=\"t s5_183\" id=\"tm_183\" style=\"left:82px;bottom:332px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In October 2024, the Court of Appeal gave judgment in the cases of Hopcraft, Wrench and </div><div class=\"t s5_183\" id=\"tn_183\" style=\"left:82px;bottom:316px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Johnson, which had wider implications for the legality of both fixed and DCA historical motor </div><div class=\"t s5_183\" id=\"to_183\" style=\"left:82px;bottom:300px;letter-spacing:-0.38px;display:inline;\">commissions. These were then appealed to the Supreme Court where, in August 2025, the </div><div class=\"t s5_183\" id=\"tp_183\" style=\"left:82px;bottom:284px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Hopcraft and Wrench cases were overturned, however the Johnson case was upheld on the </div><div class=\"t s5_183\" id=\"tq_183\" style=\"left:82px;bottom:268px;letter-spacing:-0.37px;display:inline;\">facts of that case. </div><div class=\"t s5_183\" id=\"tr_183\" style=\"left:671px;bottom:722px;letter-spacing:-0.38px;display:inline;\">At 31 December 2024, we undertook scenario analysis using different assumptions, </div><div class=\"t s6_183\" id=\"ts_183\" style=\"left:671px;bottom:706px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which were probability weighted to estimate a potential exposure. In October 2025, </div><div class=\"t s6_183\" id=\"tt_183\" style=\"left:671px;bottom:690px;letter-spacing:-0.38px;display:inline;\">the FCA issued a consultation paper providing further detail on its proposed redress </div><div class=\"t s5_183\" id=\"tu_183\" style=\"left:671px;bottom:674px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">approach, including significantly broadening the scope of the overall redress scheme, how </div><div class=\"t s5_183\" id=\"tv_183\" style=\"left:671px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">unfairness would be assessed, the scheme\u2019s period and proposed redress methodology. </div><div class=\"t s5_183\" id=\"tw_183\" style=\"left:671px;bottom:642px;letter-spacing:-0.38px;word-spacing:-0.02px;display:inline;\">Based on the FCA proposals in their current form, the potential impact is towards the extreme </div><div class=\"t s5_183\" id=\"tx_183\" style=\"left:671px;bottom:626px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">end of the range of previously expected outcomes. As a result, the Group recognised a further </div><div class=\"t s5_183\" id=\"ty_183\" style=\"left:671px;bottom:610px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">provision of \u00a316.4 million. This comprises further potential goodwill/redress payments of </div><div class=\"t s5_183\" id=\"tz_183\" style=\"left:671px;bottom:594px;letter-spacing:-0.37px;display:inline;\">\u00a311.3 million (2024: \u00a35.2 million), and \u00a35.1 million (2024: \u00a31.2 million) of associated costs. </div><div class=\"t s5_183\" id=\"t10_183\" style=\"left:671px;bottom:578px;letter-spacing:-0.38px;display:inline;\">As at 31 December 2025, the Group held a provision of \u00a321.5 million (2024: \u00a36.4 million). </div><div class=\"t s5_183\" id=\"t11_183\" style=\"left:671px;bottom:562px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">If the FCA scheme was implemented entirely in its current form, the Group would expect </div><span>to increase the provision for redress by a further \u00a36.0 million. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00308": {
   "value": "2.2. Key sources of estimation uncertainty Estimations that could have a material impact on the Group\u2019s financial results, and, are therefore, considered to be key sources of estimation uncertainty. Key sources of estimation can be found in: \u2022 Note 17.1. Allowances for impairment of loans and advances to customers; \u2022 Note 31.1. Provisions for liabilities and charges.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00309": {
   "value": "<span>3. Operating segments </span><div class=\"t s7_155\" id=\"t1t_155\" style=\"left:654px;bottom:344px;letter-spacing:-0.38px;display:inline;\">The Group is organised into four operating segments, which consist of the different products </div><div class=\"t s6_155\" id=\"t1u_155\" style=\"left:654px;bottom:328px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">available, as disclosed below. </div><div class=\"t s8_155\" id=\"t1v_155\" style=\"left:654px;bottom:305px;letter-spacing:-0.4px;display:inline;\">Consumer Finance </div><div class=\"t s6_155\" id=\"t1w_155\" style=\"left:654px;bottom:285px;display:inline;\">\u2022 </div><div class=\"t s7_155\" id=\"t1x_155\" style=\"left:667px;bottom:285px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Retail Finance: a market-leading online e-commerce service to retailers, providing unsecured </div><div class=\"t s7_155\" id=\"t1y_155\" style=\"left:667px;bottom:269px;letter-spacing:-0.38px;display:inline;\">lending products to prime UK customers to facilitate the purchase of a wide range of consumer </div><div class=\"t s7_155\" id=\"t1z_155\" style=\"left:667px;bottom:253px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">products, including furniture, jewellery, dental, leisure items and football season tickets. </div><div class=\"t s6_155\" id=\"t20_155\" style=\"left:654px;bottom:232px;display:inline;\">\u2022 </div><div class=\"t s7_155\" id=\"t21_155\" style=\"left:667px;bottom:232px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Vehicle Finance: hire purchase lending for used cars to prime and near-prime customers and </div><div class=\"t s6_155\" id=\"t22_155\" style=\"left:667px;bottom:216px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Personal Contract Purchase lending into the consumer prime credit market, both secured against </div><div class=\"t s7_155\" id=\"t23_155\" style=\"left:667px;bottom:200px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the vehicle financed. In addition, a Stocking Funding product was also offered, whereby funds are </div><div class=\"t s6_155\" id=\"t24_155\" style=\"left:667px;bottom:184px;letter-spacing:-0.38px;display:inline;\">advanced and secured against dealer forecourt used car stock, sourced from auctions, part </div><div class=\"t s7_155\" id=\"t25_155\" style=\"left:667px;bottom:168px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">exchanges or trade sources. In December 2025, this segment was classified as discontinued. </div><div class=\"t s7_155\" id=\"t26_155\" style=\"left:667px;bottom:152px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For further information please see Note 10. </div><div></div><div class=\"t s4_156\" id=\"t5_156\" style=\"left:65px;bottom:717px;letter-spacing:-0.39px;display:inline;\">Business Finance </div><div class=\"t s5_156\" id=\"t6_156\" style=\"left:65px;bottom:697px;display:inline;\">\u2022 </div><div class=\"t s6_156\" id=\"t7_156\" style=\"left:78px;bottom:697px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Real Estate Finance: non-regulated first charge secured lending to specialist real estate markets, lending to professional landlords to enable them to improve and grow their portfolio and provide </div><div class=\"t s6_156\" id=\"t8_156\" style=\"left:78px;bottom:681px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">development facilities to property developers and SME housebuilders to help build new homes for sale or letting. </div><div class=\"t s5_156\" id=\"t9_156\" style=\"left:65px;bottom:661px;display:inline;\">\u2022 </div><div class=\"t s6_156\" id=\"ta_156\" style=\"left:78px;bottom:661px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Commercial Finance: asset-based lending solutions to SMEs and some larger corporates who need bespoke working capital solutions for their business. Lending is predominantly against receivables, </div><div class=\"t s5_156\" id=\"tb_156\" style=\"left:78px;bottom:645px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">releasing funds of up to 90% of qualifying invoices under invoice discounting facilities. </div><div class=\"t s4_156\" id=\"tc_156\" style=\"left:65px;bottom:624px;letter-spacing:-0.41px;display:inline;\">Other </div><div class=\"t s6_156\" id=\"td_156\" style=\"left:65px;bottom:604px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">This principally includes interest receivable from central banks, interest receivable and payable on derivatives and interest payable on deposits from customers, amounts due to banks and subordinated </div><div class=\"t s6_156\" id=\"te_156\" style=\"left:65px;bottom:588px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">liabilities, and operating expenses, which are not recharged to the operating segments. </div><div class=\"t s6_156\" id=\"tf_156\" style=\"left:65px;bottom:565px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s chief operating decision maker, the Executive Committee, regularly reviews these segments by looking at the operating income, size of the loan books and impairments. </div><div class=\"t s6_156\" id=\"tg_156\" style=\"left:65px;bottom:543px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Interest expense is charged to the operating segments in accordance with the Group\u2019s internal funds transfer pricing policy. Operating expenses reflect costs incurred directly, and costs incurred centrally </div><div class=\"t s5_156\" id=\"th_156\" style=\"left:65px;bottom:527px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that are reallocated to the operating segment to which they can be directly attributed. </div><div class=\"t s5_156\" id=\"ti_156\" style=\"left:65px;bottom:504px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Additionally, no balance sheet items are allocated to segments other than loans and advances to customers. </div><div class=\"t s6_156\" id=\"tj_156\" style=\"left:65px;bottom:482px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>All of the Group\u2019s operations are conducted wholly within the United Kingdom and geographical information is, therefore, not presented. </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tw_156\" style=\"left:1034px;bottom:452px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t10_156\" style=\"left:1067px;bottom:452px;letter-spacing:-0.01px;display:inline;\">Discontinued </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tl_156\" style=\"left:718px;bottom:438px;letter-spacing:-0.03px;display:inline;\">Retail </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"to_156\" style=\"left:767px;bottom:438px;letter-spacing:-0.02px;display:inline;\">Real Estate </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tr_156\" style=\"left:840px;bottom:438px;display:inline;\">Commercial </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tx_156\" style=\"left:1002px;bottom:438px;letter-spacing:-0.02px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t11_156\" style=\"left:1099px;bottom:438px;letter-spacing:-0.14px;display:inline;\">Vehicle </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t14_156\" style=\"left:1190px;bottom:438px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tm_156\" style=\"left:707px;bottom:425px;letter-spacing:-0.01px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tp_156\" style=\"left:785px;bottom:425px;letter-spacing:-0.01px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"ts_156\" style=\"left:863px;bottom:425px;letter-spacing:-0.01px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tu_156\" style=\"left:951px;bottom:425px;display:inline;\">Other </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"ty_156\" style=\"left:1003px;bottom:425px;letter-spacing:-0.04px;display:inline;\">operations </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t12_156\" style=\"left:1097px;bottom:425px;letter-spacing:-0.01px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t15_156\" style=\"left:1183px;bottom:425px;display:inline;\">Group </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tk_156\" style=\"left:65px;bottom:411px;letter-spacing:-0.01px;display:inline;\">31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tn_156\" style=\"left:706px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tq_156\" style=\"left:783px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tt_156\" style=\"left:861px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tv_156\" style=\"left:939px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"tz_156\" style=\"left:1017px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t13_156\" style=\"left:1095px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_156\" id=\"t16_156\" style=\"left:1173px;bottom:411px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t17_156\" style=\"left:65px;bottom:390px;letter-spacing:-0.25px;display:inline;\">Interest income and similar income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t18_156\" style=\"left:715px;bottom:390px;letter-spacing:-0.26px;display:inline;\">157.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t19_156\" style=\"left:801px;bottom:390px;letter-spacing:-0.26px;display:inline;\">92.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1a_156\" style=\"left:879px;bottom:390px;letter-spacing:-0.26px;display:inline;\">27.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1b_156\" style=\"left:957px;bottom:390px;letter-spacing:-0.26px;display:inline;\">24.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1c_156\" style=\"left:1027px;bottom:390px;letter-spacing:-0.26px;display:inline;\">301.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1d_156\" style=\"left:1113px;bottom:390px;letter-spacing:-0.26px;display:inline;\">70.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1e_156\" style=\"left:1183px;bottom:390px;letter-spacing:-0.26px;display:inline;\">372.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1f_156\" style=\"left:65px;bottom:371px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest expense and similar charges </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1g_156\" style=\"left:719px;bottom:371px;letter-spacing:-0.24px;display:inline;\">(59.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1h_156\" style=\"left:797px;bottom:371px;letter-spacing:-0.24px;display:inline;\">(58.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1i_156\" style=\"left:875px;bottom:371px;letter-spacing:-0.24px;display:inline;\">(15.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1j_156\" style=\"left:953px;bottom:371px;letter-spacing:-0.24px;display:inline;\">(17.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1k_156\" style=\"left:1023px;bottom:371px;letter-spacing:-0.25px;display:inline;\">(150.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1l_156\" style=\"left:1108px;bottom:371px;letter-spacing:-0.24px;display:inline;\">(22.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1m_156\" style=\"left:1179px;bottom:371px;letter-spacing:-0.25px;display:inline;\">(173.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1n_156\" style=\"left:65px;bottom:351px;letter-spacing:-0.25px;display:inline;\">Net interest income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1o_156\" style=\"left:723px;bottom:351px;letter-spacing:-0.26px;display:inline;\">97.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1p_156\" style=\"left:801px;bottom:351px;letter-spacing:-0.26px;display:inline;\">34.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1q_156\" style=\"left:879px;bottom:351px;letter-spacing:-0.26px;display:inline;\">12.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1r_156\" style=\"left:964px;bottom:351px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1s_156\" style=\"left:1027px;bottom:351px;letter-spacing:-0.26px;display:inline;\">151.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1t_156\" style=\"left:1112px;bottom:351px;letter-spacing:-0.26px;display:inline;\">47.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t1u_156\" style=\"left:1182px;bottom:351px;letter-spacing:-0.26px;display:inline;\">198.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1v_156\" style=\"left:65px;bottom:331px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Fee and commission income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1w_156\" style=\"left:731px;bottom:331px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1x_156\" style=\"left:809px;bottom:331px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1y_156\" style=\"left:879px;bottom:331px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t1z_156\" style=\"left:975px;bottom:331px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t20_156\" style=\"left:1035px;bottom:331px;letter-spacing:-0.26px;display:inline;\">14.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t21_156\" style=\"left:1120px;bottom:331px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t22_156\" style=\"left:1191px;bottom:331px;letter-spacing:-0.26px;display:inline;\">15.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t23_156\" style=\"left:65px;bottom:311px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Fee and commission expense </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t24_156\" style=\"left:742px;bottom:311px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t25_156\" style=\"left:820px;bottom:311px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t26_156\" style=\"left:897px;bottom:311px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t27_156\" style=\"left:975px;bottom:311px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t28_156\" style=\"left:1053px;bottom:311px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t29_156\" style=\"left:1116px;bottom:311px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2a_156\" style=\"left:1194px;bottom:311px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2b_156\" style=\"left:65px;bottom:292px;letter-spacing:-0.26px;display:inline;\">Net fee and commission income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2c_156\" style=\"left:730px;bottom:292px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2d_156\" style=\"left:808px;bottom:292px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2e_156\" style=\"left:879px;bottom:292px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2f_156\" style=\"left:975px;bottom:292px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2g_156\" style=\"left:1034px;bottom:292px;letter-spacing:-0.26px;display:inline;\">14.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2h_156\" style=\"left:1120px;bottom:292px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2i_156\" style=\"left:1190px;bottom:292px;letter-spacing:-0.26px;display:inline;\">14.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2j_156\" style=\"left:65px;bottom:272px;letter-spacing:-0.27px;word-spacing:0.01px;display:inline;\">Operating income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2k_156\" style=\"left:715px;bottom:272px;letter-spacing:-0.26px;display:inline;\">101.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2l_156\" style=\"left:801px;bottom:272px;letter-spacing:-0.26px;display:inline;\">34.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2m_156\" style=\"left:879px;bottom:272px;letter-spacing:-0.26px;display:inline;\">22.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2n_156\" style=\"left:964px;bottom:272px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2o_156\" style=\"left:1027px;bottom:272px;letter-spacing:-0.26px;display:inline;\">165.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2p_156\" style=\"left:1112px;bottom:272px;letter-spacing:-0.26px;display:inline;\">48.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t2q_156\" style=\"left:1182px;bottom:272px;letter-spacing:-0.26px;display:inline;\">213.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_156\" id=\"t2r_156\" style=\"left:65px;bottom:252px;letter-spacing:-0.25px;display:inline;\">Net impairment charge on loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2s_156\" style=\"left:719px;bottom:252px;letter-spacing:-0.24px;display:inline;\">(19.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2t_156\" style=\"left:804px;bottom:252px;letter-spacing:-0.23px;display:inline;\">(8.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2u_156\" style=\"left:882px;bottom:252px;letter-spacing:-0.23px;display:inline;\">(3.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2v_156\" style=\"left:975px;bottom:252px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2w_156\" style=\"left:1031px;bottom:252px;letter-spacing:-0.24px;display:inline;\">(31.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2x_156\" style=\"left:1108px;bottom:252px;letter-spacing:-0.24px;display:inline;\">(26.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2y_156\" style=\"left:1186px;bottom:252px;letter-spacing:-0.24px;display:inline;\">(58.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t2z_156\" style=\"left:65px;bottom:232px;letter-spacing:-0.24px;display:inline;\">Other gains/(losses) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t30_156\" style=\"left:742px;bottom:232px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t31_156\" style=\"left:809px;bottom:232px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t32_156\" style=\"left:897px;bottom:232px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t33_156\" style=\"left:960px;bottom:232px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t34_156\" style=\"left:1042px;bottom:232px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t35_156\" style=\"left:1120px;bottom:232px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t36_156\" style=\"left:1198px;bottom:232px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t37_156\" style=\"left:65px;bottom:213px;letter-spacing:-0.24px;display:inline;\">Fair value gains on financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t38_156\" style=\"left:742px;bottom:213px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t39_156\" style=\"left:820px;bottom:213px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3a_156\" style=\"left:897px;bottom:213px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3b_156\" style=\"left:964px;bottom:213px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3c_156\" style=\"left:1042px;bottom:213px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3d_156\" style=\"left:1131px;bottom:213px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3e_156\" style=\"left:1198px;bottom:213px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3f_156\" style=\"left:65px;bottom:193px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Operating expenses </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3g_156\" style=\"left:719px;bottom:193px;letter-spacing:-0.24px;display:inline;\">(24.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3h_156\" style=\"left:797px;bottom:193px;letter-spacing:-0.24px;display:inline;\">(10.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3i_156\" style=\"left:882px;bottom:193px;letter-spacing:-0.23px;display:inline;\">(7.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3j_156\" style=\"left:953px;bottom:193px;letter-spacing:-0.24px;display:inline;\">(32.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3k_156\" style=\"left:1031px;bottom:193px;letter-spacing:-0.24px;display:inline;\">(74.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3l_156\" style=\"left:1108px;bottom:193px;letter-spacing:-0.24px;display:inline;\">(29.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3m_156\" style=\"left:1179px;bottom:193px;letter-spacing:-0.25px;display:inline;\">(104.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3n_156\" style=\"left:65px;bottom:173px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Profit/(loss) before income tax before exceptional items </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3o_156\" style=\"left:723px;bottom:173px;letter-spacing:-0.26px;display:inline;\">57.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3p_156\" style=\"left:801px;bottom:173px;letter-spacing:-0.26px;display:inline;\">15.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3q_156\" style=\"left:879px;bottom:173px;letter-spacing:-0.26px;display:inline;\">11.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3r_156\" style=\"left:952px;bottom:173px;letter-spacing:-0.24px;display:inline;\">(24.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3s_156\" style=\"left:1034px;bottom:173px;letter-spacing:-0.26px;display:inline;\">59.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3t_156\" style=\"left:1116px;bottom:173px;letter-spacing:-0.23px;display:inline;\">(7.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t3u_156\" style=\"left:1190px;bottom:173px;letter-spacing:-0.26px;display:inline;\">51.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3v_156\" style=\"left:65px;bottom:154px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exceptional items </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3w_156\" style=\"left:742px;bottom:154px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3x_156\" style=\"left:820px;bottom:154px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3y_156\" style=\"left:897px;bottom:154px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t3z_156\" style=\"left:975px;bottom:154px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t40_156\" style=\"left:1053px;bottom:154px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t41_156\" style=\"left:1108px;bottom:154px;letter-spacing:-0.24px;display:inline;\">(24.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_156\" id=\"t42_156\" style=\"left:1186px;bottom:154px;letter-spacing:-0.24px;display:inline;\">(24.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t43_156\" style=\"left:65px;bottom:134px;letter-spacing:-0.24px;display:inline;\">Profit/(loss) before income tax </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t44_156\" style=\"left:723px;bottom:134px;letter-spacing:-0.26px;display:inline;\">57.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t45_156\" style=\"left:801px;bottom:134px;letter-spacing:-0.26px;display:inline;\">15.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t46_156\" style=\"left:879px;bottom:134px;letter-spacing:-0.26px;display:inline;\">11.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t47_156\" style=\"left:952px;bottom:134px;letter-spacing:-0.24px;display:inline;\">(24.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t48_156\" style=\"left:1034px;bottom:134px;letter-spacing:-0.26px;display:inline;\">59.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t49_156\" style=\"left:1108px;bottom:134px;letter-spacing:-0.24px;display:inline;\">(31.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4a_156\" style=\"left:1190px;bottom:134px;letter-spacing:-0.26px;display:inline;\">27.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4b_156\" style=\"left:65px;bottom:94px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4c_156\" style=\"left:704px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1,466.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4d_156\" style=\"left:782px;bottom:94px;letter-spacing:-0.26px;display:inline;\">1,466.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4e_156\" style=\"left:871px;bottom:94px;letter-spacing:-0.26px;display:inline;\">362.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4f_156\" style=\"left:975px;bottom:94px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4g_156\" style=\"left:1016px;bottom:94px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4h_156\" style=\"left:1105px;bottom:94px;letter-spacing:-0.26px;display:inline;\">390.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_156\" id=\"t4i_156\" style=\"left:1172px;bottom:94px;letter-spacing:-0.25px;display:inline;\">3,686.6 </div></td>\n\t\t</tr>\n\t\n                                        </table><div></div><div class=\"t s4_157\" id=\"t5_157\" style=\"left:65px;bottom:717px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Exceptional items have been reallocated out to the respective operating segments for prior year to aid comparability. </div><table>\n                                            <tr><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"ti_157\" style=\"left:1035px;bottom:697px;letter-spacing:-0.36px;display:inline;\">Total </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"tm_157\" style=\"left:1069px;bottom:697px;letter-spacing:-0.02px;display:inline;\">Discontinued </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"t7_157\" style=\"left:719px;bottom:684px;letter-spacing:-0.04px;display:inline;\">Retail </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"ta_157\" style=\"left:768px;bottom:684px;letter-spacing:-0.03px;display:inline;\">Real Estate </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"td_157\" style=\"left:841px;bottom:684px;letter-spacing:-0.02px;display:inline;\">Commercial </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tj_157\" style=\"left:1003px;bottom:684px;letter-spacing:-0.03px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"tn_157\" style=\"left:1101px;bottom:684px;letter-spacing:-0.14px;display:inline;\">Vehicle </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tq_157\" style=\"left:1191px;bottom:684px;letter-spacing:-0.36px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"t8_157\" style=\"left:708px;bottom:670px;letter-spacing:-0.02px;display:inline;\">Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"tb_157\" style=\"left:786px;bottom:670px;letter-spacing:-0.02px;display:inline;\">Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"te_157\" style=\"left:864px;bottom:670px;letter-spacing:-0.02px;display:inline;\">Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tg_157\" style=\"left:951px;bottom:670px;letter-spacing:-0.03px;display:inline;\">Other </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tk_157\" style=\"left:1005px;bottom:670px;letter-spacing:-0.05px;display:inline;\">operations </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"to_157\" style=\"left:1098px;bottom:670px;letter-spacing:-0.02px;display:inline;\">Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_157\" id=\"tr_157\" style=\"left:1183px;bottom:670px;display:inline;\">Group </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_157\" id=\"t6_157\" style=\"left:65px;bottom:656px;letter-spacing:-0.01px;display:inline;\">31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"t9_157\" style=\"left:707px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tc_157\" style=\"left:785px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tf_157\" style=\"left:863px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"th_157\" style=\"left:941px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tl_157\" style=\"left:1019px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"tp_157\" style=\"left:1097px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_157\" id=\"ts_157\" style=\"left:1175px;bottom:656px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"tt_157\" style=\"left:65px;bottom:636px;letter-spacing:-0.25px;display:inline;\">Interest income and similar income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"tu_157\" style=\"left:715px;bottom:636px;letter-spacing:-0.26px;display:inline;\">140.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"tv_157\" style=\"left:801px;bottom:636px;letter-spacing:-0.26px;display:inline;\">87.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"tw_157\" style=\"left:879px;bottom:636px;letter-spacing:-0.26px;display:inline;\">29.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"tx_157\" style=\"left:957px;bottom:636px;letter-spacing:-0.26px;display:inline;\">39.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"ty_157\" style=\"left:1027px;bottom:636px;letter-spacing:-0.26px;display:inline;\">296.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"tz_157\" style=\"left:1113px;bottom:636px;letter-spacing:-0.26px;display:inline;\">69.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t10_157\" style=\"left:1183px;bottom:636px;letter-spacing:-0.26px;display:inline;\">366.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t11_157\" style=\"left:65px;bottom:616px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest expense and similar charges </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t12_157\" style=\"left:719px;bottom:616px;letter-spacing:-0.24px;display:inline;\">(53.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t13_157\" style=\"left:797px;bottom:616px;letter-spacing:-0.24px;display:inline;\">(54.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t14_157\" style=\"left:875px;bottom:616px;letter-spacing:-0.24px;display:inline;\">(17.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t15_157\" style=\"left:953px;bottom:616px;letter-spacing:-0.24px;display:inline;\">(33.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t16_157\" style=\"left:1023px;bottom:616px;letter-spacing:-0.25px;display:inline;\">(159.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t17_157\" style=\"left:1108px;bottom:616px;letter-spacing:-0.24px;display:inline;\">(21.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t18_157\" style=\"left:1179px;bottom:616px;letter-spacing:-0.25px;display:inline;\">(181.1) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t19_157\" style=\"left:65px;bottom:596px;letter-spacing:-0.25px;display:inline;\">Net interest income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1a_157\" style=\"left:723px;bottom:596px;letter-spacing:-0.26px;display:inline;\">86.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1b_157\" style=\"left:801px;bottom:596px;letter-spacing:-0.26px;display:inline;\">32.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1c_157\" style=\"left:879px;bottom:596px;letter-spacing:-0.26px;display:inline;\">12.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1d_157\" style=\"left:964px;bottom:596px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1e_157\" style=\"left:1027px;bottom:596px;letter-spacing:-0.26px;display:inline;\">137.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1f_157\" style=\"left:1112px;bottom:596px;letter-spacing:-0.26px;display:inline;\">47.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1g_157\" style=\"left:1182px;bottom:596px;letter-spacing:-0.26px;display:inline;\">184.9 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1h_157\" style=\"left:65px;bottom:577px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Fee and commission income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1i_157\" style=\"left:731px;bottom:577px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1j_157\" style=\"left:809px;bottom:577px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1k_157\" style=\"left:879px;bottom:577px;letter-spacing:-0.26px;display:inline;\">14.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1l_157\" style=\"left:964px;bottom:577px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1m_157\" style=\"left:1035px;bottom:577px;letter-spacing:-0.26px;display:inline;\">18.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1n_157\" style=\"left:1120px;bottom:577px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1o_157\" style=\"left:1191px;bottom:577px;letter-spacing:-0.26px;display:inline;\">19.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1p_157\" style=\"left:65px;bottom:557px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Fee and commission expense </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1q_157\" style=\"left:742px;bottom:557px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1r_157\" style=\"left:820px;bottom:557px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1s_157\" style=\"left:882px;bottom:557px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1t_157\" style=\"left:975px;bottom:557px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1u_157\" style=\"left:1038px;bottom:557px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1v_157\" style=\"left:1116px;bottom:557px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t1w_157\" style=\"left:1194px;bottom:557px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1x_157\" style=\"left:65px;bottom:537px;letter-spacing:-0.26px;display:inline;\">Net fee and commission income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1y_157\" style=\"left:730px;bottom:537px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t1z_157\" style=\"left:808px;bottom:537px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t20_157\" style=\"left:879px;bottom:537px;letter-spacing:-0.26px;display:inline;\">14.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t21_157\" style=\"left:964px;bottom:537px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t22_157\" style=\"left:1034px;bottom:537px;letter-spacing:-0.26px;display:inline;\">18.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t23_157\" style=\"left:1120px;bottom:537px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t24_157\" style=\"left:1190px;bottom:537px;letter-spacing:-0.26px;display:inline;\">19.0 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t25_157\" style=\"left:65px;bottom:517px;letter-spacing:-0.27px;word-spacing:0.01px;display:inline;\">Operating income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t26_157\" style=\"left:723px;bottom:517px;letter-spacing:-0.26px;display:inline;\">90.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t27_157\" style=\"left:801px;bottom:517px;letter-spacing:-0.26px;display:inline;\">33.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t28_157\" style=\"left:879px;bottom:517px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t29_157\" style=\"left:964px;bottom:517px;letter-spacing:-0.25px;display:inline;\">5.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t2a_157\" style=\"left:1027px;bottom:517px;letter-spacing:-0.26px;display:inline;\">155.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t2b_157\" style=\"left:1112px;bottom:517px;letter-spacing:-0.26px;display:inline;\">48.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t2c_157\" style=\"left:1182px;bottom:517px;letter-spacing:-0.26px;display:inline;\">203.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_157\" id=\"t2d_157\" style=\"left:65px;bottom:498px;letter-spacing:-0.25px;display:inline;\">Net impairment charge on loans and advances to customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2e_157\" style=\"left:719px;bottom:498px;letter-spacing:-0.24px;display:inline;\">(13.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2f_157\" style=\"left:804px;bottom:498px;letter-spacing:-0.23px;display:inline;\">(4.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2g_157\" style=\"left:882px;bottom:498px;letter-spacing:-0.23px;display:inline;\">(5.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2h_157\" style=\"left:975px;bottom:498px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2i_157\" style=\"left:1031px;bottom:498px;letter-spacing:-0.24px;display:inline;\">(23.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2j_157\" style=\"left:1108px;bottom:498px;letter-spacing:-0.24px;display:inline;\">(38.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2k_157\" style=\"left:1186px;bottom:498px;letter-spacing:-0.24px;display:inline;\">(61.9) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2l_157\" style=\"left:65px;bottom:478px;letter-spacing:-0.3px;word-spacing:0.05px;display:inline;\">Other (losses)/gains </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2m_157\" style=\"left:742px;bottom:478px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2n_157\" style=\"left:820px;bottom:478px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2o_157\" style=\"left:897px;bottom:478px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2p_157\" style=\"left:960px;bottom:478px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2q_157\" style=\"left:1038px;bottom:478px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2r_157\" style=\"left:1120px;bottom:478px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2s_157\" style=\"left:1194px;bottom:478px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2t_157\" style=\"left:65px;bottom:458px;letter-spacing:-0.24px;display:inline;\">Fair value gains on financial instruments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2u_157\" style=\"left:742px;bottom:458px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2v_157\" style=\"left:809px;bottom:458px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2w_157\" style=\"left:897px;bottom:458px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2x_157\" style=\"left:964px;bottom:458px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2y_157\" style=\"left:1042px;bottom:458px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t2z_157\" style=\"left:1131px;bottom:458px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t30_157\" style=\"left:1198px;bottom:458px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t31_157\" style=\"left:65px;bottom:438px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t32_157\" style=\"left:719px;bottom:438px;letter-spacing:-0.24px;display:inline;\">(26.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t33_157\" style=\"left:797px;bottom:438px;letter-spacing:-0.24px;display:inline;\">(10.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t34_157\" style=\"left:882px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(8.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t35_157\" style=\"left:953px;bottom:438px;letter-spacing:-0.24px;display:inline;\">(28.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t36_157\" style=\"left:1031px;bottom:438px;letter-spacing:-0.24px;display:inline;\">(72.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t37_157\" style=\"left:1108px;bottom:438px;letter-spacing:-0.24px;display:inline;\">(31.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t38_157\" style=\"left:1179px;bottom:438px;letter-spacing:-0.25px;display:inline;\">(103.8) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t39_157\" style=\"left:65px;bottom:419px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Profit/(loss) before income tax before exceptional items </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3a_157\" style=\"left:723px;bottom:419px;letter-spacing:-0.26px;display:inline;\">50.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3b_157\" style=\"left:801px;bottom:419px;letter-spacing:-0.26px;display:inline;\">19.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3c_157\" style=\"left:879px;bottom:419px;letter-spacing:-0.26px;display:inline;\">12.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3d_157\" style=\"left:952px;bottom:419px;letter-spacing:-0.24px;display:inline;\">(21.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3e_157\" style=\"left:1034px;bottom:419px;letter-spacing:-0.26px;display:inline;\">60.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3f_157\" style=\"left:1108px;bottom:419px;letter-spacing:-0.24px;display:inline;\">(21.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3g_157\" style=\"left:1190px;bottom:419px;letter-spacing:-0.26px;display:inline;\">39.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3h_157\" style=\"left:65px;bottom:399px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exceptional items </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3i_157\" style=\"left:742px;bottom:399px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3j_157\" style=\"left:820px;bottom:399px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3k_157\" style=\"left:897px;bottom:399px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3l_157\" style=\"left:960px;bottom:399px;letter-spacing:-0.23px;display:inline;\">(1.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3m_157\" style=\"left:1038px;bottom:399px;letter-spacing:-0.23px;display:inline;\">(1.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3n_157\" style=\"left:1116px;bottom:399px;letter-spacing:-0.23px;display:inline;\">(8.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_157\" id=\"t3o_157\" style=\"left:1194px;bottom:399px;letter-spacing:-0.23px;display:inline;\">(9.9) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3p_157\" style=\"left:65px;bottom:379px;letter-spacing:-0.24px;display:inline;\">Profit/(loss) before income tax </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3q_157\" style=\"left:723px;bottom:379px;letter-spacing:-0.26px;display:inline;\">50.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3r_157\" style=\"left:801px;bottom:379px;letter-spacing:-0.26px;display:inline;\">19.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3s_157\" style=\"left:879px;bottom:379px;letter-spacing:-0.26px;display:inline;\">12.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3t_157\" style=\"left:952px;bottom:379px;letter-spacing:-0.24px;display:inline;\">(23.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3u_157\" style=\"left:1034px;bottom:379px;letter-spacing:-0.26px;display:inline;\">59.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3v_157\" style=\"left:1108px;bottom:379px;letter-spacing:-0.24px;display:inline;\">(30.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3w_157\" style=\"left:1190px;bottom:379px;letter-spacing:-0.26px;display:inline;\">29.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3x_157\" style=\"left:65px;bottom:340px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3y_157\" style=\"left:704px;bottom:340px;letter-spacing:-0.25px;display:inline;\">1,357.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t3z_157\" style=\"left:782px;bottom:340px;letter-spacing:-0.26px;display:inline;\">1,341.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t40_157\" style=\"left:871px;bottom:340px;letter-spacing:-0.26px;display:inline;\">351.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t41_157\" style=\"left:975px;bottom:340px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t42_157\" style=\"left:1016px;bottom:340px;letter-spacing:-0.25px;display:inline;\">3,050.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t43_157\" style=\"left:1105px;bottom:340px;letter-spacing:-0.26px;display:inline;\">558.3 </div></td><td class=\"undefined cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_157\" id=\"t44_157\" style=\"left:1172px;bottom:340px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00310": {
   "value": "<span>All of the Group\u2019s operations are conducted wholly within the United Kingdom and geographical information is, therefore, not presented. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeographicalAreasExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00311": {
   "value": "<span>4. Operating income </span><div class=\"t s4_158\" id=\"t10_158\" style=\"left:65px;bottom:717px;letter-spacing:-0.38px;display:inline;\"><span>All items below arise from financial instruments measured at amortised cost unless </span></div><div class=\"t s4_158\" id=\"t11_158\" style=\"left:65px;bottom:701px;letter-spacing:-0.38px;display:inline;\">otherwise stated. </div><div class=\"t s6_158\" id=\"t12_158\" style=\"left:65px;bottom:677px;letter-spacing:-0.19px;display:inline;\"><span>4.1. Net interest income </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t13_158\" style=\"left:522px;bottom:659px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t15_158\" style=\"left:600px;bottom:659px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t14_158\" style=\"left:506px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t16_158\" style=\"left:586px;bottom:646px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t17_158\" style=\"left:65px;bottom:625px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t18_158\" style=\"left:516px;bottom:625px;letter-spacing:-0.26px;display:inline;\">347.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t19_158\" style=\"left:594px;bottom:625px;letter-spacing:-0.26px;display:inline;\">326.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1a_158\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1b_158\" style=\"left:524px;bottom:606px;letter-spacing:-0.26px;display:inline;\">19.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1c_158\" style=\"left:602px;bottom:606px;letter-spacing:-0.26px;display:inline;\">22.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1d_158\" style=\"left:516px;bottom:586px;letter-spacing:-0.26px;display:inline;\">366.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1e_158\" style=\"left:594px;bottom:586px;letter-spacing:-0.26px;display:inline;\">349.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1f_158\" style=\"left:65px;bottom:566px;letter-spacing:-0.25px;display:inline;\">Income on financial instruments hedging assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1g_158\" style=\"left:531px;bottom:566px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1h_158\" style=\"left:602px;bottom:566px;letter-spacing:-0.26px;display:inline;\">16.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1i_158\" style=\"left:65px;bottom:546px;letter-spacing:-0.25px;display:inline;\">Interest income and similar income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1j_158\" style=\"left:516px;bottom:546px;letter-spacing:-0.26px;display:inline;\">372.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1k_158\" style=\"left:594px;bottom:546px;letter-spacing:-0.26px;display:inline;\">366.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1l_158\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1m_158\" style=\"left:78px;bottom:507px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1n_158\" style=\"left:516px;bottom:507px;letter-spacing:-0.26px;display:inline;\">301.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1o_158\" style=\"left:594px;bottom:507px;letter-spacing:-0.26px;display:inline;\">296.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1p_158\" style=\"left:78px;bottom:487px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1q_158\" style=\"left:524px;bottom:487px;letter-spacing:-0.26px;display:inline;\">70.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1r_158\" style=\"left:602px;bottom:487px;letter-spacing:-0.26px;display:inline;\">69.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1s_158\" style=\"left:65px;bottom:467px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1t_158\" style=\"left:512px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(146.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1u_158\" style=\"left:590px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(136.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1v_158\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1w_158\" style=\"left:519px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(12.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1x_158\" style=\"left:597px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(18.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1y_158\" style=\"left:65px;bottom:428px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1z_158\" style=\"left:519px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t20_158\" style=\"left:597px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t21_158\" style=\"left:65px;bottom:408px;letter-spacing:-0.27px;display:inline;\">Other </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t22_158\" style=\"left:527px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t23_158\" style=\"left:605px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t24_158\" style=\"left:512px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(170.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t25_158\" style=\"left:590px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(166.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t26_158\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Expense on financial instruments hedging liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t27_158\" style=\"left:527px;bottom:369px;letter-spacing:-0.23px;display:inline;\">(2.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t28_158\" style=\"left:597px;bottom:369px;letter-spacing:-0.24px;display:inline;\">(14.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t29_158\" style=\"left:65px;bottom:349px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest expense and similar charges </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2a_158\" style=\"left:511px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(173.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2b_158\" style=\"left:589px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(181.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2c_158\" style=\"left:65px;bottom:329px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t2d_158\" style=\"left:78px;bottom:310px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2e_158\" style=\"left:512px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(150.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2f_158\" style=\"left:590px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(159.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2g_158\" style=\"left:78px;bottom:290px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2h_158\" style=\"left:519px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(22.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2i_158\" style=\"left:597px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(21.6) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s2_158\" id=\"t3_158\" style=\"left:671px;bottom:723px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Interest income and expense accounting policy </span></div><div class=\"t s3_158\" id=\"t4_158\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For all financial instruments measured at amortised cost, the EIR method is used to measure </div><div class=\"t s3_158\" id=\"t5_158\" style=\"left:671px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the carrying value and allocate interest income or expense. The EIR is the rate that exactly </div><div class=\"t s3_158\" id=\"t6_158\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">discounts estimated future cash payments or receipts through the expected life of the </div><div class=\"t s3_158\" id=\"t7_158\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">financial instrument to: </div><div class=\"t s4_158\" id=\"t8_158\" style=\"left:671px;bottom:632px;letter-spacing:-0.38px;word-spacing:0.32px;display:inline;\">\u2022 the gross carrying amount of the financial asset; or </div><div class=\"t s4_158\" id=\"t9_158\" style=\"left:671px;bottom:611px;letter-spacing:-0.39px;word-spacing:0.44px;display:inline;\">\u2022 the amortised cost of the financial liability. </div><div class=\"t s3_158\" id=\"ta_158\" style=\"left:671px;bottom:587px;letter-spacing:-0.37px;display:inline;\">In calculating the EIR for financial instruments, other than assets that were credit impaired </div><div class=\"t s3_158\" id=\"tb_158\" style=\"left:671px;bottom:571px;letter-spacing:-0.38px;display:inline;\">on initial recognition, the Group estimates cash flows considering all contractual terms of the </div><div class=\"t s3_158\" id=\"tc_158\" style=\"left:671px;bottom:555px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial instrument (for example, early redemption penalty charges and broker commissions) </div><div class=\"t s4_158\" id=\"td_158\" style=\"left:671px;bottom:539px;letter-spacing:-0.38px;display:inline;\">and anticipated customer behaviour but does not consider future credit losses. </div><div class=\"t s3_158\" id=\"te_158\" style=\"left:671px;bottom:516px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The calculation of the EIR includes all fees received and paid that are an integral part of the </div><div class=\"t s4_158\" id=\"tf_158\" style=\"left:671px;bottom:500px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">loan, transaction costs and all other premiums or discounts. Transaction costs include </div><div class=\"t s4_158\" id=\"tg_158\" style=\"left:671px;bottom:484px;letter-spacing:-0.37px;display:inline;\">incremental costs that are directly attributable to the acquisition or issue of a </div><div class=\"t s4_158\" id=\"th_158\" style=\"left:671px;bottom:468px;letter-spacing:-0.38px;display:inline;\">financial instrument. </div><div class=\"t s3_158\" id=\"ti_158\" style=\"left:671px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that are not considered to be credit-impaired (\u2018Stage 1\u2019 and \u2018Stage 2\u2019 </div><div class=\"t s3_158\" id=\"tj_158\" style=\"left:671px;bottom:429px;letter-spacing:-0.38px;display:inline;\">assets), interest income is recognised by applying the EIR to the gross carrying amount of </div><div class=\"t s3_158\" id=\"tk_158\" style=\"left:671px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the financial asset. For financial assets that become credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"tl_158\" style=\"left:671px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">recognition (\u2018Stage 3\u2019 assets), from the next reporting period onwards interest income is </div><div class=\"t s3_158\" id=\"tm_158\" style=\"left:671px;bottom:381px;letter-spacing:-0.38px;display:inline;\">recognised by applying the EIR to the amortised cost of the financial asset. The credit risk </div><div class=\"t s3_158\" id=\"tn_158\" style=\"left:671px;bottom:365px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of financial assets that become credit-impaired are not expected to improve such that they </div><div class=\"t s3_158\" id=\"to_158\" style=\"left:671px;bottom:349px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">are no longer considered credit-impaired, however, if this were to occur, the calculation of </div><div class=\"t s3_158\" id=\"tp_158\" style=\"left:671px;bottom:333px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest income would revert back to the gross basis. The Group\u2019s definition of Stage 1, </div><div class=\"t s3_158\" id=\"tq_158\" style=\"left:671px;bottom:317px;letter-spacing:-0.37px;display:inline;\">Stage 2 and Stage 3 assets is set out in Note 17. </div><div class=\"t s3_158\" id=\"tr_158\" style=\"left:671px;bottom:295px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that were credit-impaired on initial recognition (\u2018POCI\u2019 assets), </div><div class=\"t s3_158\" id=\"ts_158\" style=\"left:671px;bottom:278px;letter-spacing:-0.38px;display:inline;\">income is calculated by applying the credit adjusted EIR to the amortised cost of the asset. </div><div class=\"t s4_158\" id=\"tt_158\" style=\"left:671px;bottom:262px;letter-spacing:-0.37px;display:inline;\">Collection activity costs are not included in the amortised cost of the assets, but are included </div><div class=\"t s3_158\" id=\"tu_158\" style=\"left:671px;bottom:246px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in operating expenses in the income statement, and are recognised as incurred, in common </div><div class=\"t s3_158\" id=\"tv_158\" style=\"left:671px;bottom:230px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">with other businesses in the sector. For such financial assets the calculation of interest income </div><div class=\"t s4_158\" id=\"tw_158\" style=\"left:671px;bottom:214px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">will never revert to a gross basis, even if the credit risk of the asset improves. </div><div class=\"t s3_158\" id=\"tx_158\" style=\"left:671px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further details regarding when an asset becomes credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"ty_158\" style=\"left:671px;bottom:176px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>recognition is provided within Note 17.</span> </div><div></div><div class=\"t s4_159\" id=\"t5_159\" style=\"left:65px;bottom:715px;letter-spacing:-0.18px;display:inline;\"><span>4.2. Net fee and commission income </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_159\" id=\"t6_159\" style=\"left:522px;bottom:698px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_159\" id=\"t8_159\" style=\"left:600px;bottom:698px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_159\" id=\"t7_159\" style=\"left:506px;bottom:684px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_159\" id=\"t9_159\" style=\"left:586px;bottom:684px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"ta_159\" style=\"left:65px;bottom:664px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Fee and disbursement income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tb_159\" style=\"left:524px;bottom:664px;letter-spacing:-0.26px;display:inline;\">14.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tc_159\" style=\"left:602px;bottom:664px;letter-spacing:-0.26px;display:inline;\">18.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"td_159\" style=\"left:65px;bottom:644px;letter-spacing:-0.26px;display:inline;\">Commission income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"te_159\" style=\"left:531px;bottom:644px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tf_159\" style=\"left:609px;bottom:644px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tg_159\" style=\"left:65px;bottom:624px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Fee and commission income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"th_159\" style=\"left:523px;bottom:624px;letter-spacing:-0.26px;display:inline;\">15.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"ti_159\" style=\"left:601px;bottom:624px;letter-spacing:-0.26px;display:inline;\">19.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tj_159\" style=\"left:65px;bottom:605px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"tk_159\" style=\"left:78px;bottom:585px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tl_159\" style=\"left:524px;bottom:585px;letter-spacing:-0.26px;display:inline;\">14.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tm_159\" style=\"left:602px;bottom:585px;letter-spacing:-0.26px;display:inline;\">18.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tn_159\" style=\"left:78px;bottom:565px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"to_159\" style=\"left:531px;bottom:565px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tp_159\" style=\"left:609px;bottom:565px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tq_159\" style=\"left:65px;bottom:526px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Other expenses </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tr_159\" style=\"left:527px;bottom:526px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"ts_159\" style=\"left:605px;bottom:526px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tt_159\" style=\"left:65px;bottom:506px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Fee and commission expense </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tu_159\" style=\"left:527px;bottom:506px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tv_159\" style=\"left:605px;bottom:506px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tw_159\" style=\"left:65px;bottom:486px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"tx_159\" style=\"left:78px;bottom:467px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"ty_159\" style=\"left:542px;bottom:467px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tz_159\" style=\"left:605px;bottom:467px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t10_159\" style=\"left:78px;bottom:447px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t11_159\" style=\"left:527px;bottom:447px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t12_159\" style=\"left:605px;bottom:447px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_159\" id=\"t13_159\" style=\"left:65px;bottom:419px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Fees and commission income is all recognised under IFRS 15 Revenue from contracts to customers </div><div class=\"t s7_159\" id=\"t14_159\" style=\"left:65px;bottom:403px;letter-spacing:-0.37px;display:inline;\">and consists principally of the following: </div><div class=\"t s8_159\" id=\"t15_159\" style=\"left:65px;bottom:381px;display:inline;\">\u2022 </div><div class=\"t s7_159\" id=\"t16_159\" style=\"left:78px;bottom:381px;letter-spacing:-0.39px;display:inline;\">Commercial Finance \u2013 discounting, service and arrangement fees. </div><div class=\"t s8_159\" id=\"t17_159\" style=\"left:65px;bottom:360px;display:inline;\">\u2022 </div><div class=\"t s7_159\" id=\"t18_159\" style=\"left:78px;bottom:360px;letter-spacing:-0.38px;display:inline;\">Retail Finance \u2013 principally comprises of account management fees received from customers and </div><div class=\"t s8_159\" id=\"t19_159\" style=\"left:78px;bottom:344px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">referral fees received from third parties. </div><div class=\"t s8_159\" id=\"t1a_159\" style=\"left:65px;bottom:320px;display:inline;\">\u2022 </div><div class=\"t s7_159\" id=\"t1b_159\" style=\"left:78px;bottom:320px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Vehicle Finance \u2013 primarily relates to vehicle collection and damage charges made to customers </div><div class=\"t s7_159\" id=\"t1c_159\" style=\"left:78px;bottom:304px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and loan administration fees charged to dealers in respect of the Stock Funding product. </div><div class=\"t sa_159\" id=\"t1d_159\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Fee and commission accounting policy </span></div><div class=\"t s7_159\" id=\"t1e_159\" style=\"left:82px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Fees and commission income that is not considered an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1f_159\" style=\"left:82px;bottom:227px;letter-spacing:-0.38px;display:inline;\">instrument are recognised under IFRS 15 when the Group satisfies performance obligations </div><div class=\"t s8_159\" id=\"t1g_159\" style=\"left:82px;bottom:211px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">by transferring promised services to customers and presented in the income statement as </div><div class=\"t s7_159\" id=\"t1h_159\" style=\"left:82px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">fee and commission income. All of the Group\u2019s fees and commissions relate to performance </div><div class=\"t s8_159\" id=\"t1i_159\" style=\"left:82px;bottom:179px;letter-spacing:-0.37px;display:inline;\">obligations that are recognised at a point in time. </div><div class=\"t s7_159\" id=\"t1j_159\" style=\"left:82px;bottom:157px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Fees and commission income and expenses that are an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1k_159\" style=\"left:82px;bottom:141px;letter-spacing:-0.38px;display:inline;\">instrument are included in the EIR and presented in the income statement as interest income </div><div class=\"t s7_159\" id=\"t1l_159\" style=\"left:82px;bottom:125px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">or expense. </div><div class=\"t s7_159\" id=\"t1m_159\" style=\"left:82px;bottom:102px;letter-spacing:-0.38px;display:inline;\">No significant judgements are made in evaluating when a customer obtains control of </div><span>promised goods or services.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00313": {
   "value": "<span>All items below arise from financial instruments measured at amortised cost unless </span><div class=\"t s4_158\" id=\"t11_158\" style=\"left:65px;bottom:701px;letter-spacing:-0.38px;display:inline;\">otherwise stated. </div><div class=\"t s6_158\" id=\"t12_158\" style=\"left:65px;bottom:677px;letter-spacing:-0.19px;display:inline;\"><span>4.1. Net interest income </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t13_158\" style=\"left:522px;bottom:659px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t15_158\" style=\"left:600px;bottom:659px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t14_158\" style=\"left:506px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t16_158\" style=\"left:586px;bottom:646px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t17_158\" style=\"left:65px;bottom:625px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t18_158\" style=\"left:516px;bottom:625px;letter-spacing:-0.26px;display:inline;\">347.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t19_158\" style=\"left:594px;bottom:625px;letter-spacing:-0.26px;display:inline;\">326.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1a_158\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1b_158\" style=\"left:524px;bottom:606px;letter-spacing:-0.26px;display:inline;\">19.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1c_158\" style=\"left:602px;bottom:606px;letter-spacing:-0.26px;display:inline;\">22.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1d_158\" style=\"left:516px;bottom:586px;letter-spacing:-0.26px;display:inline;\">366.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1e_158\" style=\"left:594px;bottom:586px;letter-spacing:-0.26px;display:inline;\">349.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1f_158\" style=\"left:65px;bottom:566px;letter-spacing:-0.25px;display:inline;\">Income on financial instruments hedging assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1g_158\" style=\"left:531px;bottom:566px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1h_158\" style=\"left:602px;bottom:566px;letter-spacing:-0.26px;display:inline;\">16.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1i_158\" style=\"left:65px;bottom:546px;letter-spacing:-0.25px;display:inline;\">Interest income and similar income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1j_158\" style=\"left:516px;bottom:546px;letter-spacing:-0.26px;display:inline;\">372.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1k_158\" style=\"left:594px;bottom:546px;letter-spacing:-0.26px;display:inline;\">366.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1l_158\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1m_158\" style=\"left:78px;bottom:507px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1n_158\" style=\"left:516px;bottom:507px;letter-spacing:-0.26px;display:inline;\">301.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1o_158\" style=\"left:594px;bottom:507px;letter-spacing:-0.26px;display:inline;\">296.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1p_158\" style=\"left:78px;bottom:487px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1q_158\" style=\"left:524px;bottom:487px;letter-spacing:-0.26px;display:inline;\">70.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1r_158\" style=\"left:602px;bottom:487px;letter-spacing:-0.26px;display:inline;\">69.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1s_158\" style=\"left:65px;bottom:467px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1t_158\" style=\"left:512px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(146.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1u_158\" style=\"left:590px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(136.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1v_158\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1w_158\" style=\"left:519px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(12.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1x_158\" style=\"left:597px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(18.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1y_158\" style=\"left:65px;bottom:428px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1z_158\" style=\"left:519px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t20_158\" style=\"left:597px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t21_158\" style=\"left:65px;bottom:408px;letter-spacing:-0.27px;display:inline;\">Other </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t22_158\" style=\"left:527px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t23_158\" style=\"left:605px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t24_158\" style=\"left:512px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(170.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t25_158\" style=\"left:590px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(166.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t26_158\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Expense on financial instruments hedging liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t27_158\" style=\"left:527px;bottom:369px;letter-spacing:-0.23px;display:inline;\">(2.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t28_158\" style=\"left:597px;bottom:369px;letter-spacing:-0.24px;display:inline;\">(14.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t29_158\" style=\"left:65px;bottom:349px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest expense and similar charges </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2a_158\" style=\"left:511px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(173.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2b_158\" style=\"left:589px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(181.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2c_158\" style=\"left:65px;bottom:329px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t2d_158\" style=\"left:78px;bottom:310px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2e_158\" style=\"left:512px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(150.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2f_158\" style=\"left:590px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(159.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2g_158\" style=\"left:78px;bottom:290px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2h_158\" style=\"left:519px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(22.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2i_158\" style=\"left:597px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(21.6) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s2_158\" id=\"t3_158\" style=\"left:671px;bottom:723px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Interest income and expense accounting policy </span></div><div class=\"t s3_158\" id=\"t4_158\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For all financial instruments measured at amortised cost, the EIR method is used to measure </div><div class=\"t s3_158\" id=\"t5_158\" style=\"left:671px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the carrying value and allocate interest income or expense. The EIR is the rate that exactly </div><div class=\"t s3_158\" id=\"t6_158\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">discounts estimated future cash payments or receipts through the expected life of the </div><div class=\"t s3_158\" id=\"t7_158\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">financial instrument to: </div><div class=\"t s4_158\" id=\"t8_158\" style=\"left:671px;bottom:632px;letter-spacing:-0.38px;word-spacing:0.32px;display:inline;\">\u2022 the gross carrying amount of the financial asset; or </div><div class=\"t s4_158\" id=\"t9_158\" style=\"left:671px;bottom:611px;letter-spacing:-0.39px;word-spacing:0.44px;display:inline;\">\u2022 the amortised cost of the financial liability. </div><div class=\"t s3_158\" id=\"ta_158\" style=\"left:671px;bottom:587px;letter-spacing:-0.37px;display:inline;\">In calculating the EIR for financial instruments, other than assets that were credit impaired </div><div class=\"t s3_158\" id=\"tb_158\" style=\"left:671px;bottom:571px;letter-spacing:-0.38px;display:inline;\">on initial recognition, the Group estimates cash flows considering all contractual terms of the </div><div class=\"t s3_158\" id=\"tc_158\" style=\"left:671px;bottom:555px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial instrument (for example, early redemption penalty charges and broker commissions) </div><div class=\"t s4_158\" id=\"td_158\" style=\"left:671px;bottom:539px;letter-spacing:-0.38px;display:inline;\">and anticipated customer behaviour but does not consider future credit losses. </div><div class=\"t s3_158\" id=\"te_158\" style=\"left:671px;bottom:516px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The calculation of the EIR includes all fees received and paid that are an integral part of the </div><div class=\"t s4_158\" id=\"tf_158\" style=\"left:671px;bottom:500px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">loan, transaction costs and all other premiums or discounts. Transaction costs include </div><div class=\"t s4_158\" id=\"tg_158\" style=\"left:671px;bottom:484px;letter-spacing:-0.37px;display:inline;\">incremental costs that are directly attributable to the acquisition or issue of a </div><div class=\"t s4_158\" id=\"th_158\" style=\"left:671px;bottom:468px;letter-spacing:-0.38px;display:inline;\">financial instrument. </div><div class=\"t s3_158\" id=\"ti_158\" style=\"left:671px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that are not considered to be credit-impaired (\u2018Stage 1\u2019 and \u2018Stage 2\u2019 </div><div class=\"t s3_158\" id=\"tj_158\" style=\"left:671px;bottom:429px;letter-spacing:-0.38px;display:inline;\">assets), interest income is recognised by applying the EIR to the gross carrying amount of </div><div class=\"t s3_158\" id=\"tk_158\" style=\"left:671px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the financial asset. For financial assets that become credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"tl_158\" style=\"left:671px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">recognition (\u2018Stage 3\u2019 assets), from the next reporting period onwards interest income is </div><div class=\"t s3_158\" id=\"tm_158\" style=\"left:671px;bottom:381px;letter-spacing:-0.38px;display:inline;\">recognised by applying the EIR to the amortised cost of the financial asset. The credit risk </div><div class=\"t s3_158\" id=\"tn_158\" style=\"left:671px;bottom:365px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of financial assets that become credit-impaired are not expected to improve such that they </div><div class=\"t s3_158\" id=\"to_158\" style=\"left:671px;bottom:349px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">are no longer considered credit-impaired, however, if this were to occur, the calculation of </div><div class=\"t s3_158\" id=\"tp_158\" style=\"left:671px;bottom:333px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest income would revert back to the gross basis. The Group\u2019s definition of Stage 1, </div><div class=\"t s3_158\" id=\"tq_158\" style=\"left:671px;bottom:317px;letter-spacing:-0.37px;display:inline;\">Stage 2 and Stage 3 assets is set out in Note 17. </div><div class=\"t s3_158\" id=\"tr_158\" style=\"left:671px;bottom:295px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that were credit-impaired on initial recognition (\u2018POCI\u2019 assets), </div><div class=\"t s3_158\" id=\"ts_158\" style=\"left:671px;bottom:278px;letter-spacing:-0.38px;display:inline;\">income is calculated by applying the credit adjusted EIR to the amortised cost of the asset. </div><div class=\"t s4_158\" id=\"tt_158\" style=\"left:671px;bottom:262px;letter-spacing:-0.37px;display:inline;\">Collection activity costs are not included in the amortised cost of the assets, but are included </div><div class=\"t s3_158\" id=\"tu_158\" style=\"left:671px;bottom:246px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in operating expenses in the income statement, and are recognised as incurred, in common </div><div class=\"t s3_158\" id=\"tv_158\" style=\"left:671px;bottom:230px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">with other businesses in the sector. For such financial assets the calculation of interest income </div><div class=\"t s4_158\" id=\"tw_158\" style=\"left:671px;bottom:214px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">will never revert to a gross basis, even if the credit risk of the asset improves. </div><div class=\"t s3_158\" id=\"tx_158\" style=\"left:671px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further details regarding when an asset becomes credit-impaired subsequent to initial </div><span>recognition is provided within Note 17.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00314": {
   "value": "<span>4.1. Net interest income </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t13_158\" style=\"left:522px;bottom:659px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t15_158\" style=\"left:600px;bottom:659px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t14_158\" style=\"left:506px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t16_158\" style=\"left:586px;bottom:646px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t17_158\" style=\"left:65px;bottom:625px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t18_158\" style=\"left:516px;bottom:625px;letter-spacing:-0.26px;display:inline;\">347.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t19_158\" style=\"left:594px;bottom:625px;letter-spacing:-0.26px;display:inline;\">326.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1a_158\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1b_158\" style=\"left:524px;bottom:606px;letter-spacing:-0.26px;display:inline;\">19.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1c_158\" style=\"left:602px;bottom:606px;letter-spacing:-0.26px;display:inline;\">22.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1d_158\" style=\"left:516px;bottom:586px;letter-spacing:-0.26px;display:inline;\">366.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1e_158\" style=\"left:594px;bottom:586px;letter-spacing:-0.26px;display:inline;\">349.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1f_158\" style=\"left:65px;bottom:566px;letter-spacing:-0.25px;display:inline;\">Income on financial instruments hedging assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1g_158\" style=\"left:531px;bottom:566px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1h_158\" style=\"left:602px;bottom:566px;letter-spacing:-0.26px;display:inline;\">16.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1i_158\" style=\"left:65px;bottom:546px;letter-spacing:-0.25px;display:inline;\">Interest income and similar income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1j_158\" style=\"left:516px;bottom:546px;letter-spacing:-0.26px;display:inline;\">372.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1k_158\" style=\"left:594px;bottom:546px;letter-spacing:-0.26px;display:inline;\">366.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1l_158\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1m_158\" style=\"left:78px;bottom:507px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1n_158\" style=\"left:516px;bottom:507px;letter-spacing:-0.26px;display:inline;\">301.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1o_158\" style=\"left:594px;bottom:507px;letter-spacing:-0.26px;display:inline;\">296.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1p_158\" style=\"left:78px;bottom:487px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1q_158\" style=\"left:524px;bottom:487px;letter-spacing:-0.26px;display:inline;\">70.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1r_158\" style=\"left:602px;bottom:487px;letter-spacing:-0.26px;display:inline;\">69.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1s_158\" style=\"left:65px;bottom:467px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1t_158\" style=\"left:512px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(146.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1u_158\" style=\"left:590px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(136.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1v_158\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1w_158\" style=\"left:519px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(12.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1x_158\" style=\"left:597px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(18.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1y_158\" style=\"left:65px;bottom:428px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1z_158\" style=\"left:519px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t20_158\" style=\"left:597px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t21_158\" style=\"left:65px;bottom:408px;letter-spacing:-0.27px;display:inline;\">Other </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t22_158\" style=\"left:527px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t23_158\" style=\"left:605px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t24_158\" style=\"left:512px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(170.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t25_158\" style=\"left:590px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(166.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t26_158\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Expense on financial instruments hedging liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t27_158\" style=\"left:527px;bottom:369px;letter-spacing:-0.23px;display:inline;\">(2.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t28_158\" style=\"left:597px;bottom:369px;letter-spacing:-0.24px;display:inline;\">(14.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t29_158\" style=\"left:65px;bottom:349px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest expense and similar charges </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2a_158\" style=\"left:511px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(173.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2b_158\" style=\"left:589px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(181.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2c_158\" style=\"left:65px;bottom:329px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t2d_158\" style=\"left:78px;bottom:310px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2e_158\" style=\"left:512px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(150.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2f_158\" style=\"left:590px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(159.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2g_158\" style=\"left:78px;bottom:290px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2h_158\" style=\"left:519px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(22.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2i_158\" style=\"left:597px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(21.6) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s2_158\" id=\"t3_158\" style=\"left:671px;bottom:723px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Interest income and expense accounting policy </span></div><div class=\"t s3_158\" id=\"t4_158\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For all financial instruments measured at amortised cost, the EIR method is used to measure </div><div class=\"t s3_158\" id=\"t5_158\" style=\"left:671px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the carrying value and allocate interest income or expense. The EIR is the rate that exactly </div><div class=\"t s3_158\" id=\"t6_158\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">discounts estimated future cash payments or receipts through the expected life of the </div><div class=\"t s3_158\" id=\"t7_158\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">financial instrument to: </div><div class=\"t s4_158\" id=\"t8_158\" style=\"left:671px;bottom:632px;letter-spacing:-0.38px;word-spacing:0.32px;display:inline;\">\u2022 the gross carrying amount of the financial asset; or </div><div class=\"t s4_158\" id=\"t9_158\" style=\"left:671px;bottom:611px;letter-spacing:-0.39px;word-spacing:0.44px;display:inline;\">\u2022 the amortised cost of the financial liability. </div><div class=\"t s3_158\" id=\"ta_158\" style=\"left:671px;bottom:587px;letter-spacing:-0.37px;display:inline;\">In calculating the EIR for financial instruments, other than assets that were credit impaired </div><div class=\"t s3_158\" id=\"tb_158\" style=\"left:671px;bottom:571px;letter-spacing:-0.38px;display:inline;\">on initial recognition, the Group estimates cash flows considering all contractual terms of the </div><div class=\"t s3_158\" id=\"tc_158\" style=\"left:671px;bottom:555px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial instrument (for example, early redemption penalty charges and broker commissions) </div><div class=\"t s4_158\" id=\"td_158\" style=\"left:671px;bottom:539px;letter-spacing:-0.38px;display:inline;\">and anticipated customer behaviour but does not consider future credit losses. </div><div class=\"t s3_158\" id=\"te_158\" style=\"left:671px;bottom:516px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The calculation of the EIR includes all fees received and paid that are an integral part of the </div><div class=\"t s4_158\" id=\"tf_158\" style=\"left:671px;bottom:500px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">loan, transaction costs and all other premiums or discounts. Transaction costs include </div><div class=\"t s4_158\" id=\"tg_158\" style=\"left:671px;bottom:484px;letter-spacing:-0.37px;display:inline;\">incremental costs that are directly attributable to the acquisition or issue of a </div><div class=\"t s4_158\" id=\"th_158\" style=\"left:671px;bottom:468px;letter-spacing:-0.38px;display:inline;\">financial instrument. </div><div class=\"t s3_158\" id=\"ti_158\" style=\"left:671px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that are not considered to be credit-impaired (\u2018Stage 1\u2019 and \u2018Stage 2\u2019 </div><div class=\"t s3_158\" id=\"tj_158\" style=\"left:671px;bottom:429px;letter-spacing:-0.38px;display:inline;\">assets), interest income is recognised by applying the EIR to the gross carrying amount of </div><div class=\"t s3_158\" id=\"tk_158\" style=\"left:671px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the financial asset. For financial assets that become credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"tl_158\" style=\"left:671px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">recognition (\u2018Stage 3\u2019 assets), from the next reporting period onwards interest income is </div><div class=\"t s3_158\" id=\"tm_158\" style=\"left:671px;bottom:381px;letter-spacing:-0.38px;display:inline;\">recognised by applying the EIR to the amortised cost of the financial asset. The credit risk </div><div class=\"t s3_158\" id=\"tn_158\" style=\"left:671px;bottom:365px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of financial assets that become credit-impaired are not expected to improve such that they </div><div class=\"t s3_158\" id=\"to_158\" style=\"left:671px;bottom:349px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">are no longer considered credit-impaired, however, if this were to occur, the calculation of </div><div class=\"t s3_158\" id=\"tp_158\" style=\"left:671px;bottom:333px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest income would revert back to the gross basis. The Group\u2019s definition of Stage 1, </div><div class=\"t s3_158\" id=\"tq_158\" style=\"left:671px;bottom:317px;letter-spacing:-0.37px;display:inline;\">Stage 2 and Stage 3 assets is set out in Note 17. </div><div class=\"t s3_158\" id=\"tr_158\" style=\"left:671px;bottom:295px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that were credit-impaired on initial recognition (\u2018POCI\u2019 assets), </div><div class=\"t s3_158\" id=\"ts_158\" style=\"left:671px;bottom:278px;letter-spacing:-0.38px;display:inline;\">income is calculated by applying the credit adjusted EIR to the amortised cost of the asset. </div><div class=\"t s4_158\" id=\"tt_158\" style=\"left:671px;bottom:262px;letter-spacing:-0.37px;display:inline;\">Collection activity costs are not included in the amortised cost of the assets, but are included </div><div class=\"t s3_158\" id=\"tu_158\" style=\"left:671px;bottom:246px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in operating expenses in the income statement, and are recognised as incurred, in common </div><div class=\"t s3_158\" id=\"tv_158\" style=\"left:671px;bottom:230px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">with other businesses in the sector. For such financial assets the calculation of interest income </div><div class=\"t s4_158\" id=\"tw_158\" style=\"left:671px;bottom:214px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">will never revert to a gross basis, even if the credit risk of the asset improves. </div><div class=\"t s3_158\" id=\"tx_158\" style=\"left:671px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further details regarding when an asset becomes credit-impaired subsequent to initial </div><span>recognition is provided within Note 17.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00312": {
   "value": "<span>4.1. Net interest income </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t13_158\" style=\"left:522px;bottom:659px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t15_158\" style=\"left:600px;bottom:659px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_158\" id=\"t14_158\" style=\"left:506px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_158\" id=\"t16_158\" style=\"left:586px;bottom:646px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t17_158\" style=\"left:65px;bottom:625px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t18_158\" style=\"left:516px;bottom:625px;letter-spacing:-0.26px;display:inline;\">347.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t19_158\" style=\"left:594px;bottom:625px;letter-spacing:-0.26px;display:inline;\">326.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1a_158\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1b_158\" style=\"left:524px;bottom:606px;letter-spacing:-0.26px;display:inline;\">19.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1c_158\" style=\"left:602px;bottom:606px;letter-spacing:-0.26px;display:inline;\">22.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1d_158\" style=\"left:516px;bottom:586px;letter-spacing:-0.26px;display:inline;\">366.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1e_158\" style=\"left:594px;bottom:586px;letter-spacing:-0.26px;display:inline;\">349.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1f_158\" style=\"left:65px;bottom:566px;letter-spacing:-0.25px;display:inline;\">Income on financial instruments hedging assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1g_158\" style=\"left:531px;bottom:566px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1h_158\" style=\"left:602px;bottom:566px;letter-spacing:-0.26px;display:inline;\">16.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1i_158\" style=\"left:65px;bottom:546px;letter-spacing:-0.25px;display:inline;\">Interest income and similar income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1j_158\" style=\"left:516px;bottom:546px;letter-spacing:-0.26px;display:inline;\">372.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t1k_158\" style=\"left:594px;bottom:546px;letter-spacing:-0.26px;display:inline;\">366.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1l_158\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1m_158\" style=\"left:78px;bottom:507px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1n_158\" style=\"left:516px;bottom:507px;letter-spacing:-0.26px;display:inline;\">301.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1o_158\" style=\"left:594px;bottom:507px;letter-spacing:-0.26px;display:inline;\">296.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1p_158\" style=\"left:78px;bottom:487px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1q_158\" style=\"left:524px;bottom:487px;letter-spacing:-0.26px;display:inline;\">70.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1r_158\" style=\"left:602px;bottom:487px;letter-spacing:-0.26px;display:inline;\">69.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1s_158\" style=\"left:65px;bottom:467px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1t_158\" style=\"left:512px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(146.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1u_158\" style=\"left:590px;bottom:467px;letter-spacing:-0.25px;display:inline;\">(136.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1v_158\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1w_158\" style=\"left:519px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(12.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1x_158\" style=\"left:597px;bottom:448px;letter-spacing:-0.24px;display:inline;\">(18.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t1y_158\" style=\"left:65px;bottom:428px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t1z_158\" style=\"left:519px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t20_158\" style=\"left:597px;bottom:428px;letter-spacing:-0.24px;display:inline;\">(11.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t21_158\" style=\"left:65px;bottom:408px;letter-spacing:-0.27px;display:inline;\">Other </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t22_158\" style=\"left:527px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t23_158\" style=\"left:605px;bottom:408px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t24_158\" style=\"left:512px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(170.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t25_158\" style=\"left:590px;bottom:388px;letter-spacing:-0.25px;display:inline;\">(166.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t26_158\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Expense on financial instruments hedging liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t27_158\" style=\"left:527px;bottom:369px;letter-spacing:-0.23px;display:inline;\">(2.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t28_158\" style=\"left:597px;bottom:369px;letter-spacing:-0.24px;display:inline;\">(14.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t29_158\" style=\"left:65px;bottom:349px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest expense and similar charges </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2a_158\" style=\"left:511px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(173.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_158\" id=\"t2b_158\" style=\"left:589px;bottom:349px;letter-spacing:-0.25px;display:inline;\">(181.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2c_158\" style=\"left:65px;bottom:329px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_158\" id=\"t2d_158\" style=\"left:78px;bottom:310px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2e_158\" style=\"left:512px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(150.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2f_158\" style=\"left:590px;bottom:310px;letter-spacing:-0.25px;display:inline;\">(159.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2g_158\" style=\"left:78px;bottom:290px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2h_158\" style=\"left:519px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(22.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_158\" id=\"t2i_158\" style=\"left:597px;bottom:290px;letter-spacing:-0.24px;display:inline;\">(21.6) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s2_158\" id=\"t3_158\" style=\"left:671px;bottom:723px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Interest income and expense accounting policy </span></div><div class=\"t s3_158\" id=\"t4_158\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For all financial instruments measured at amortised cost, the EIR method is used to measure </div><div class=\"t s3_158\" id=\"t5_158\" style=\"left:671px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the carrying value and allocate interest income or expense. The EIR is the rate that exactly </div><div class=\"t s3_158\" id=\"t6_158\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">discounts estimated future cash payments or receipts through the expected life of the </div><div class=\"t s3_158\" id=\"t7_158\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">financial instrument to: </div><div class=\"t s4_158\" id=\"t8_158\" style=\"left:671px;bottom:632px;letter-spacing:-0.38px;word-spacing:0.32px;display:inline;\">\u2022 the gross carrying amount of the financial asset; or </div><div class=\"t s4_158\" id=\"t9_158\" style=\"left:671px;bottom:611px;letter-spacing:-0.39px;word-spacing:0.44px;display:inline;\">\u2022 the amortised cost of the financial liability. </div><div class=\"t s3_158\" id=\"ta_158\" style=\"left:671px;bottom:587px;letter-spacing:-0.37px;display:inline;\">In calculating the EIR for financial instruments, other than assets that were credit impaired </div><div class=\"t s3_158\" id=\"tb_158\" style=\"left:671px;bottom:571px;letter-spacing:-0.38px;display:inline;\">on initial recognition, the Group estimates cash flows considering all contractual terms of the </div><div class=\"t s3_158\" id=\"tc_158\" style=\"left:671px;bottom:555px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial instrument (for example, early redemption penalty charges and broker commissions) </div><div class=\"t s4_158\" id=\"td_158\" style=\"left:671px;bottom:539px;letter-spacing:-0.38px;display:inline;\">and anticipated customer behaviour but does not consider future credit losses. </div><div class=\"t s3_158\" id=\"te_158\" style=\"left:671px;bottom:516px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The calculation of the EIR includes all fees received and paid that are an integral part of the </div><div class=\"t s4_158\" id=\"tf_158\" style=\"left:671px;bottom:500px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">loan, transaction costs and all other premiums or discounts. Transaction costs include </div><div class=\"t s4_158\" id=\"tg_158\" style=\"left:671px;bottom:484px;letter-spacing:-0.37px;display:inline;\">incremental costs that are directly attributable to the acquisition or issue of a </div><div class=\"t s4_158\" id=\"th_158\" style=\"left:671px;bottom:468px;letter-spacing:-0.38px;display:inline;\">financial instrument. </div><div class=\"t s3_158\" id=\"ti_158\" style=\"left:671px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that are not considered to be credit-impaired (\u2018Stage 1\u2019 and \u2018Stage 2\u2019 </div><div class=\"t s3_158\" id=\"tj_158\" style=\"left:671px;bottom:429px;letter-spacing:-0.38px;display:inline;\">assets), interest income is recognised by applying the EIR to the gross carrying amount of </div><div class=\"t s3_158\" id=\"tk_158\" style=\"left:671px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the financial asset. For financial assets that become credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"tl_158\" style=\"left:671px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">recognition (\u2018Stage 3\u2019 assets), from the next reporting period onwards interest income is </div><div class=\"t s3_158\" id=\"tm_158\" style=\"left:671px;bottom:381px;letter-spacing:-0.38px;display:inline;\">recognised by applying the EIR to the amortised cost of the financial asset. The credit risk </div><div class=\"t s3_158\" id=\"tn_158\" style=\"left:671px;bottom:365px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of financial assets that become credit-impaired are not expected to improve such that they </div><div class=\"t s3_158\" id=\"to_158\" style=\"left:671px;bottom:349px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">are no longer considered credit-impaired, however, if this were to occur, the calculation of </div><div class=\"t s3_158\" id=\"tp_158\" style=\"left:671px;bottom:333px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest income would revert back to the gross basis. The Group\u2019s definition of Stage 1, </div><div class=\"t s3_158\" id=\"tq_158\" style=\"left:671px;bottom:317px;letter-spacing:-0.37px;display:inline;\">Stage 2 and Stage 3 assets is set out in Note 17. </div><div class=\"t s3_158\" id=\"tr_158\" style=\"left:671px;bottom:295px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that were credit-impaired on initial recognition (\u2018POCI\u2019 assets), </div><div class=\"t s3_158\" id=\"ts_158\" style=\"left:671px;bottom:278px;letter-spacing:-0.38px;display:inline;\">income is calculated by applying the credit adjusted EIR to the amortised cost of the asset. </div><div class=\"t s4_158\" id=\"tt_158\" style=\"left:671px;bottom:262px;letter-spacing:-0.37px;display:inline;\">Collection activity costs are not included in the amortised cost of the assets, but are included </div><div class=\"t s3_158\" id=\"tu_158\" style=\"left:671px;bottom:246px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in operating expenses in the income statement, and are recognised as incurred, in common </div><div class=\"t s3_158\" id=\"tv_158\" style=\"left:671px;bottom:230px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">with other businesses in the sector. For such financial assets the calculation of interest income </div><div class=\"t s4_158\" id=\"tw_158\" style=\"left:671px;bottom:214px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">will never revert to a gross basis, even if the credit risk of the asset improves. </div><div class=\"t s3_158\" id=\"tx_158\" style=\"left:671px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further details regarding when an asset becomes credit-impaired subsequent to initial </div><span>recognition is provided within Note 17.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00468": {
   "value": "<span>Interest income and expense accounting policy </span><div class=\"t s3_158\" id=\"t4_158\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For all financial instruments measured at amortised cost, the EIR method is used to measure </div><div class=\"t s3_158\" id=\"t5_158\" style=\"left:671px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the carrying value and allocate interest income or expense. The EIR is the rate that exactly </div><div class=\"t s3_158\" id=\"t6_158\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">discounts estimated future cash payments or receipts through the expected life of the </div><div class=\"t s3_158\" id=\"t7_158\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">financial instrument to: </div><div class=\"t s4_158\" id=\"t8_158\" style=\"left:671px;bottom:632px;letter-spacing:-0.38px;word-spacing:0.32px;display:inline;\">\u2022 the gross carrying amount of the financial asset; or </div><div class=\"t s4_158\" id=\"t9_158\" style=\"left:671px;bottom:611px;letter-spacing:-0.39px;word-spacing:0.44px;display:inline;\">\u2022 the amortised cost of the financial liability. </div><div class=\"t s3_158\" id=\"ta_158\" style=\"left:671px;bottom:587px;letter-spacing:-0.37px;display:inline;\">In calculating the EIR for financial instruments, other than assets that were credit impaired </div><div class=\"t s3_158\" id=\"tb_158\" style=\"left:671px;bottom:571px;letter-spacing:-0.38px;display:inline;\">on initial recognition, the Group estimates cash flows considering all contractual terms of the </div><div class=\"t s3_158\" id=\"tc_158\" style=\"left:671px;bottom:555px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial instrument (for example, early redemption penalty charges and broker commissions) </div><div class=\"t s4_158\" id=\"td_158\" style=\"left:671px;bottom:539px;letter-spacing:-0.38px;display:inline;\">and anticipated customer behaviour but does not consider future credit losses. </div><div class=\"t s3_158\" id=\"te_158\" style=\"left:671px;bottom:516px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The calculation of the EIR includes all fees received and paid that are an integral part of the </div><div class=\"t s4_158\" id=\"tf_158\" style=\"left:671px;bottom:500px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">loan, transaction costs and all other premiums or discounts. Transaction costs include </div><div class=\"t s4_158\" id=\"tg_158\" style=\"left:671px;bottom:484px;letter-spacing:-0.37px;display:inline;\">incremental costs that are directly attributable to the acquisition or issue of a </div><div class=\"t s4_158\" id=\"th_158\" style=\"left:671px;bottom:468px;letter-spacing:-0.38px;display:inline;\">financial instrument. </div><div class=\"t s3_158\" id=\"ti_158\" style=\"left:671px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that are not considered to be credit-impaired (\u2018Stage 1\u2019 and \u2018Stage 2\u2019 </div><div class=\"t s3_158\" id=\"tj_158\" style=\"left:671px;bottom:429px;letter-spacing:-0.38px;display:inline;\">assets), interest income is recognised by applying the EIR to the gross carrying amount of </div><div class=\"t s3_158\" id=\"tk_158\" style=\"left:671px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the financial asset. For financial assets that become credit-impaired subsequent to initial </div><div class=\"t s3_158\" id=\"tl_158\" style=\"left:671px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">recognition (\u2018Stage 3\u2019 assets), from the next reporting period onwards interest income is </div><div class=\"t s3_158\" id=\"tm_158\" style=\"left:671px;bottom:381px;letter-spacing:-0.38px;display:inline;\">recognised by applying the EIR to the amortised cost of the financial asset. The credit risk </div><div class=\"t s3_158\" id=\"tn_158\" style=\"left:671px;bottom:365px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of financial assets that become credit-impaired are not expected to improve such that they </div><div class=\"t s3_158\" id=\"to_158\" style=\"left:671px;bottom:349px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">are no longer considered credit-impaired, however, if this were to occur, the calculation of </div><div class=\"t s3_158\" id=\"tp_158\" style=\"left:671px;bottom:333px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest income would revert back to the gross basis. The Group\u2019s definition of Stage 1, </div><div class=\"t s3_158\" id=\"tq_158\" style=\"left:671px;bottom:317px;letter-spacing:-0.37px;display:inline;\">Stage 2 and Stage 3 assets is set out in Note 17. </div><div class=\"t s3_158\" id=\"tr_158\" style=\"left:671px;bottom:295px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For financial assets that were credit-impaired on initial recognition (\u2018POCI\u2019 assets), </div><div class=\"t s3_158\" id=\"ts_158\" style=\"left:671px;bottom:278px;letter-spacing:-0.38px;display:inline;\">income is calculated by applying the credit adjusted EIR to the amortised cost of the asset. </div><div class=\"t s4_158\" id=\"tt_158\" style=\"left:671px;bottom:262px;letter-spacing:-0.37px;display:inline;\">Collection activity costs are not included in the amortised cost of the assets, but are included </div><div class=\"t s3_158\" id=\"tu_158\" style=\"left:671px;bottom:246px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">in operating expenses in the income statement, and are recognised as incurred, in common </div><div class=\"t s3_158\" id=\"tv_158\" style=\"left:671px;bottom:230px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">with other businesses in the sector. For such financial assets the calculation of interest income </div><div class=\"t s4_158\" id=\"tw_158\" style=\"left:671px;bottom:214px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">will never revert to a gross basis, even if the credit risk of the asset improves. </div><div class=\"t s3_158\" id=\"tx_158\" style=\"left:671px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further details regarding when an asset becomes credit-impaired subsequent to initial </div><span>recognition is provided within Note 17.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00315": {
   "value": "<span>4.2. Net fee and commission income </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_159\" id=\"t6_159\" style=\"left:522px;bottom:698px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_159\" id=\"t8_159\" style=\"left:600px;bottom:698px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_159\" id=\"t7_159\" style=\"left:506px;bottom:684px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_159\" id=\"t9_159\" style=\"left:586px;bottom:684px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"ta_159\" style=\"left:65px;bottom:664px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Fee and disbursement income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tb_159\" style=\"left:524px;bottom:664px;letter-spacing:-0.26px;display:inline;\">14.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tc_159\" style=\"left:602px;bottom:664px;letter-spacing:-0.26px;display:inline;\">18.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"td_159\" style=\"left:65px;bottom:644px;letter-spacing:-0.26px;display:inline;\">Commission income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"te_159\" style=\"left:531px;bottom:644px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tf_159\" style=\"left:609px;bottom:644px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tg_159\" style=\"left:65px;bottom:624px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Fee and commission income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"th_159\" style=\"left:523px;bottom:624px;letter-spacing:-0.26px;display:inline;\">15.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"ti_159\" style=\"left:601px;bottom:624px;letter-spacing:-0.26px;display:inline;\">19.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tj_159\" style=\"left:65px;bottom:605px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"tk_159\" style=\"left:78px;bottom:585px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tl_159\" style=\"left:524px;bottom:585px;letter-spacing:-0.26px;display:inline;\">14.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tm_159\" style=\"left:602px;bottom:585px;letter-spacing:-0.26px;display:inline;\">18.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tn_159\" style=\"left:78px;bottom:565px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"to_159\" style=\"left:531px;bottom:565px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tp_159\" style=\"left:609px;bottom:565px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tq_159\" style=\"left:65px;bottom:526px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Other expenses </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tr_159\" style=\"left:527px;bottom:526px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"ts_159\" style=\"left:605px;bottom:526px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tt_159\" style=\"left:65px;bottom:506px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Fee and commission expense </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tu_159\" style=\"left:527px;bottom:506px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"tv_159\" style=\"left:605px;bottom:506px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tw_159\" style=\"left:65px;bottom:486px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"tx_159\" style=\"left:78px;bottom:467px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"ty_159\" style=\"left:542px;bottom:467px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"tz_159\" style=\"left:605px;bottom:467px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t10_159\" style=\"left:78px;bottom:447px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t11_159\" style=\"left:527px;bottom:447px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t12_159\" style=\"left:605px;bottom:447px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_159\" id=\"t13_159\" style=\"left:65px;bottom:419px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Fees and commission income is all recognised under IFRS 15 Revenue from contracts to customers </div><div class=\"t s7_159\" id=\"t14_159\" style=\"left:65px;bottom:403px;letter-spacing:-0.37px;display:inline;\">and consists principally of the following: </div><div class=\"t s8_159\" id=\"t15_159\" style=\"left:65px;bottom:381px;display:inline;\">\u2022 </div><div class=\"t s7_159\" id=\"t16_159\" style=\"left:78px;bottom:381px;letter-spacing:-0.39px;display:inline;\">Commercial Finance \u2013 discounting, service and arrangement fees. </div><div class=\"t s8_159\" id=\"t17_159\" style=\"left:65px;bottom:360px;display:inline;\">\u2022 </div><div class=\"t s7_159\" id=\"t18_159\" style=\"left:78px;bottom:360px;letter-spacing:-0.38px;display:inline;\">Retail Finance \u2013 principally comprises of account management fees received from customers and </div><div class=\"t s8_159\" id=\"t19_159\" style=\"left:78px;bottom:344px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">referral fees received from third parties. </div><div class=\"t s8_159\" id=\"t1a_159\" style=\"left:65px;bottom:320px;display:inline;\">\u2022 </div><div class=\"t s7_159\" id=\"t1b_159\" style=\"left:78px;bottom:320px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Vehicle Finance \u2013 primarily relates to vehicle collection and damage charges made to customers </div><div class=\"t s7_159\" id=\"t1c_159\" style=\"left:78px;bottom:304px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and loan administration fees charged to dealers in respect of the Stock Funding product. </div><div class=\"t sa_159\" id=\"t1d_159\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Fee and commission accounting policy </span></div><div class=\"t s7_159\" id=\"t1e_159\" style=\"left:82px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Fees and commission income that is not considered an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1f_159\" style=\"left:82px;bottom:227px;letter-spacing:-0.38px;display:inline;\">instrument are recognised under IFRS 15 when the Group satisfies performance obligations </div><div class=\"t s8_159\" id=\"t1g_159\" style=\"left:82px;bottom:211px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">by transferring promised services to customers and presented in the income statement as </div><div class=\"t s7_159\" id=\"t1h_159\" style=\"left:82px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">fee and commission income. All of the Group\u2019s fees and commissions relate to performance </div><div class=\"t s8_159\" id=\"t1i_159\" style=\"left:82px;bottom:179px;letter-spacing:-0.37px;display:inline;\">obligations that are recognised at a point in time. </div><div class=\"t s7_159\" id=\"t1j_159\" style=\"left:82px;bottom:157px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Fees and commission income and expenses that are an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1k_159\" style=\"left:82px;bottom:141px;letter-spacing:-0.38px;display:inline;\">instrument are included in the EIR and presented in the income statement as interest income </div><div class=\"t s7_159\" id=\"t1l_159\" style=\"left:82px;bottom:125px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">or expense. </div><div class=\"t s7_159\" id=\"t1m_159\" style=\"left:82px;bottom:102px;letter-spacing:-0.38px;display:inline;\">No significant judgements are made in evaluating when a customer obtains control of </div><span>promised goods or services.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00469": {
   "value": "<span>Fee and commission accounting policy </span><div class=\"t s7_159\" id=\"t1e_159\" style=\"left:82px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Fees and commission income that is not considered an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1f_159\" style=\"left:82px;bottom:227px;letter-spacing:-0.38px;display:inline;\">instrument are recognised under IFRS 15 when the Group satisfies performance obligations </div><div class=\"t s8_159\" id=\"t1g_159\" style=\"left:82px;bottom:211px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">by transferring promised services to customers and presented in the income statement as </div><div class=\"t s7_159\" id=\"t1h_159\" style=\"left:82px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">fee and commission income. All of the Group\u2019s fees and commissions relate to performance </div><div class=\"t s8_159\" id=\"t1i_159\" style=\"left:82px;bottom:179px;letter-spacing:-0.37px;display:inline;\">obligations that are recognised at a point in time. </div><div class=\"t s7_159\" id=\"t1j_159\" style=\"left:82px;bottom:157px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Fees and commission income and expenses that are an integral part of the EIR of a financial </div><div class=\"t s7_159\" id=\"t1k_159\" style=\"left:82px;bottom:141px;letter-spacing:-0.38px;display:inline;\">instrument are included in the EIR and presented in the income statement as interest income </div><div class=\"t s7_159\" id=\"t1l_159\" style=\"left:82px;bottom:125px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">or expense. </div><div class=\"t s7_159\" id=\"t1m_159\" style=\"left:82px;bottom:102px;letter-spacing:-0.38px;display:inline;\">No significant judgements are made in evaluating when a customer obtains control of </div><span>promised goods or services.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00316": {
   "value": "<span>5. Fair value gains on financial instruments </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_159\" id=\"t1p_159\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_159\" id=\"t1r_159\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_159\" id=\"t1q_159\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_159\" id=\"t1s_159\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t1t_159\" style=\"left:654px;bottom:686px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Fair value movement during the year - Interest rate derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t1u_159\" style=\"left:1116px;bottom:686px;letter-spacing:-0.23px;display:inline;\">(6.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t1v_159\" style=\"left:1198px;bottom:686px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t1w_159\" style=\"left:654px;bottom:666px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Fair value movement during the year - Hedged items </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t1x_159\" style=\"left:1120px;bottom:666px;letter-spacing:-0.25px;display:inline;\">6.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t1y_159\" style=\"left:1194px;bottom:666px;letter-spacing:-0.23px;display:inline;\">(1.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"t1z_159\" style=\"left:654px;bottom:646px;letter-spacing:-0.25px;display:inline;\">Hedge ineffectiveness recognised in the income statement </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t20_159\" style=\"left:1131px;bottom:646px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t21_159\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t22_159\" style=\"left:654px;bottom:627px;letter-spacing:-0.25px;display:inline;\">Inception and amortisation adjustment\u00b9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t23_159\" style=\"left:1116px;bottom:627px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t24_159\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_159\" id=\"t25_159\" style=\"left:654px;bottom:607px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Losses recognised on hedges not in hedge relationships </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t26_159\" style=\"left:1120px;bottom:607px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_159\" id=\"t27_159\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"t28_159\" style=\"left:1120px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_159\" id=\"t29_159\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sb_159\" id=\"t2a_159\" style=\"left:654px;bottom:563px;letter-spacing:-0.08px;display:inline;\">Note: </div><div class=\"t sb_159\" id=\"t2b_159\" style=\"left:654px;bottom:545px;letter-spacing:-0.09px;word-spacing:0.11px;display:inline;\">1. The inception and amortisation adjustment relates to amortisation of macro fair value hedge accounting </div><div class=\"t sb_159\" id=\"t2c_159\" style=\"left:667px;bottom:531px;letter-spacing:-0.09px;display:inline;\">relationships derecognised and the amortisation of the fair value adjustment of underlying hedged items at </div><div class=\"t s6_159\" id=\"t2d_159\" style=\"left:667px;bottom:517px;letter-spacing:-0.09px;display:inline;\">the time hedge accounting relationships commenced or were redesignated. Over the life of the hedged items </div><div class=\"t sb_159\" id=\"t2e_159\" style=\"left:667px;bottom:503px;letter-spacing:-0.1px;word-spacing:0.01px;display:inline;\">these adjustments are expected to off-set gains/losses on derivatives taken for hedging purposes before and </div><div class=\"t s6_159\" id=\"t2f_159\" style=\"left:667px;bottom:490px;letter-spacing:-0.1px;display:inline;\">after they are designated in hedge relationships. </div><div class=\"t s7_159\" id=\"t2g_159\" style=\"left:654px;bottom:464px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">As a part of its risk management strategy, the Group uses derivatives to economically hedge </div><div class=\"t s7_159\" id=\"t2h_159\" style=\"left:654px;bottom:448px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">financial assets and liabilities. For further information on the Group\u2019s risk management strategy </div><div class=\"t s7_159\" id=\"t2i_159\" style=\"left:654px;bottom:432px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">for market risk see page 35 of the Group\u2019s Strategic Report. </div><div class=\"t s7_159\" id=\"t2j_159\" style=\"left:654px;bottom:410px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Hedge accounting is employed by the Group to minimise the accounting volatility associated </div><div class=\"t s7_159\" id=\"t2k_159\" style=\"left:654px;bottom:393px;letter-spacing:-0.38px;display:inline;\">with the change in fair value of derivative financial instruments. This volatility does not reflect </div><div class=\"t s7_159\" id=\"t2l_159\" style=\"left:654px;bottom:377px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">the economic reality of the Group\u2019s hedging strategy, the Group only uses derivatives for the </div><div class=\"t s7_159\" id=\"t2m_159\" style=\"left:654px;bottom:361px;letter-spacing:-0.37px;display:inline;\">hedging of risks. </div><div></div><div class=\"t s4_160\" id=\"t5_160\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;word-spacing:0.01px;display:inline;\">5.1. Fair value gain recognised in other comprehensive income </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_160\" id=\"t6_160\" style=\"left:522px;bottom:698px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_160\" id=\"t8_160\" style=\"left:600px;bottom:698px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_160\" id=\"t7_160\" style=\"left:506px;bottom:684px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_160\" id=\"t9_160\" style=\"left:586px;bottom:684px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_160\" id=\"ta_160\" style=\"left:65px;bottom:664px;letter-spacing:-0.26px;display:inline;\">Cash flow hedges </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_160\" id=\"tb_160\" style=\"left:65px;bottom:644px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Fair value movement during the year - Interest rate derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_160\" id=\"tc_160\" style=\"left:527px;bottom:644px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_160\" id=\"td_160\" style=\"left:605px;bottom:644px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_160\" id=\"te_160\" style=\"left:65px;bottom:624px;letter-spacing:-0.25px;display:inline;\">Interest reclassified to the income statement during the year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_160\" id=\"tf_160\" style=\"left:531px;bottom:624px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_160\" id=\"tg_160\" style=\"left:609px;bottom:624px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_160\" id=\"th_160\" style=\"left:65px;bottom:605px;letter-spacing:-0.25px;display:inline;\">Fair value gain recognised in other comprehensive income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_160\" id=\"ti_160\" style=\"left:542px;bottom:605px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_160\" id=\"tj_160\" style=\"left:609px;bottom:605px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s8_160\" id=\"tk_160\" style=\"left:65px;bottom:577px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Although the Group uses interest rate derivatives exclusively to hedge interest rate risk exposures, </div><div class=\"t s9_160\" id=\"tl_160\" style=\"left:65px;bottom:561px;letter-spacing:-0.38px;display:inline;\">income statement volatility can still arise due to hedge accounting ineffectiveness or because hedge </div><div class=\"t s8_160\" id=\"tm_160\" style=\"left:65px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">accounting is not achievable. Where such volatility arises, it will net to zero over the life of the </div><div class=\"t s8_160\" id=\"tn_160\" style=\"left:65px;bottom:529px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">hedging relationship. All derivatives held by the Group have been highly effective in the year, </div><div class=\"t s9_160\" id=\"to_160\" style=\"left:65px;bottom:513px;letter-spacing:-0.38px;display:inline;\">resulting in minimal hedge accounting ineffectiveness recognised in the income statement. </div><div class=\"t s8_160\" id=\"tp_160\" style=\"left:65px;bottom:497px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Future ineffectiveness may arise as a result of: </div><div class=\"t s9_160\" id=\"tq_160\" style=\"left:65px;bottom:474px;display:inline;\">\u2022 </div><div class=\"t s8_160\" id=\"tr_160\" style=\"left:78px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">differences between the expected and actual volume of prepayments, as the Group hedges </div><div class=\"t s8_160\" id=\"ts_160\" style=\"left:78px;bottom:458px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">to the expected repayment date taking into account expected prepayments based on past </div><div class=\"t s8_160\" id=\"tt_160\" style=\"left:78px;bottom:442px;letter-spacing:-0.42px;word-spacing:0.07px;display:inline;\">experience; or </div><div class=\"t s9_160\" id=\"tu_160\" style=\"left:65px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.19px;display:inline;\">\u2022 differences in the timing of cash flows for the hedged item and the hedging instrument. </div><div class=\"t s9_160\" id=\"tv_160\" style=\"left:65px;bottom:397px;letter-spacing:-0.38px;display:inline;\">How fair value and cash flow hedge accounting affect the consolidated financial statements and </div><div class=\"t s8_160\" id=\"tw_160\" style=\"left:65px;bottom:381px;letter-spacing:-0.38px;display:inline;\">the main sources of the residual hedge ineffectiveness remaining in the income statement are </div><div class=\"t s8_160\" id=\"tx_160\" style=\"left:65px;bottom:365px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">set out as follows. Further information on the current derivative portfolio and the allocation to </div><div class=\"t s8_160\" id=\"ty_160\" style=\"left:65px;bottom:349px;letter-spacing:-0.38px;display:inline;\">hedge accounting types is included in Note 18. </div><div class=\"t sa_160\" id=\"tz_160\" style=\"left:671px;bottom:723px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Derivative financial instruments accounting policy </span></div><div class=\"t s8_160\" id=\"t10_160\" style=\"left:671px;bottom:702px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group enters into derivatives to manage exposures to fluctuations in interest rates. </div><div class=\"t s8_160\" id=\"t11_160\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Derivatives are not used for speculative purposes. Derivatives are carried at fair value, with </div><div class=\"t s9_160\" id=\"t12_160\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">movements in fair value recognised in the income statement or other comprehensive income. </div><div class=\"t s8_160\" id=\"t13_160\" style=\"left:671px;bottom:654px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivatives are valued by discounted cash flow models using yield curves based on Overnight </div><div class=\"t s8_160\" id=\"t14_160\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Indexed Swap (\u2018OIS\u2019) rates. Derivatives are carried as assets where fair value is positive and as </div><div class=\"t s8_160\" id=\"t15_160\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">liabilities when fair value is negative where they are not offset. Derivatives are offset in the </div><div class=\"t s8_160\" id=\"t16_160\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements where the Group has both a legally enforceable right and </div><div class=\"t s9_160\" id=\"t17_160\" style=\"left:671px;bottom:590px;letter-spacing:-0.37px;display:inline;\">intention to offset. </div><div class=\"t s8_160\" id=\"t18_160\" style=\"left:671px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group does not hold contracts containing embedded derivatives. </div><div class=\"t s9_160\" id=\"t19_160\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Where cash collateral is received, to mitigate the risk inherent in the amounts due to the </div><div class=\"t s8_160\" id=\"t1a_160\" style=\"left:671px;bottom:529px;letter-spacing:-0.37px;display:inline;\">Group, it is included as a liability within the due to banks line within the statement of financial </div><div class=\"t s9_160\" id=\"t1b_160\" style=\"left:671px;bottom:513px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">position. Where cash collateral is given, to mitigate the risk inherent in amounts due from the </div><div class=\"t s8_160\" id=\"t1c_160\" style=\"left:671px;bottom:497px;letter-spacing:-0.37px;display:inline;\">Group, it is included as an asset in the loans and advances to banks line within the statement </div><div class=\"t s9_160\" id=\"t1d_160\" style=\"left:671px;bottom:481px;letter-spacing:-0.38px;display:inline;\">of financial position. Where cash collateral meets the requirements of offsetting, it is included </div><div class=\"t s9_160\" id=\"t1e_160\" style=\"left:671px;bottom:465px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>within derivatives. </span></div><div class=\"t sa_160\" id=\"t1f_160\" style=\"left:671px;bottom:442px;letter-spacing:-0.39px;display:inline;\"><span>Hedge accounting </span></div><div class=\"t s8_160\" id=\"t1g_160\" style=\"left:671px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Following the implementation of IFRS 9, the Group elected to apply IAS 39 for all of its hedge </div><div class=\"t s8_160\" id=\"t1h_160\" style=\"left:671px;bottom:406px;letter-spacing:-0.38px;display:inline;\">accounting requirements. When transactions meet specified criteria the Group can apply two </div><div class=\"t s8_160\" id=\"t1i_160\" style=\"left:671px;bottom:390px;letter-spacing:-0.38px;display:inline;\">types of hedge accounting: </div><div class=\"t s9_160\" id=\"t1j_160\" style=\"left:671px;bottom:367px;display:inline;\">\u2022 </div><div class=\"t s8_160\" id=\"t1k_160\" style=\"left:684px;bottom:367px;letter-spacing:-0.37px;display:inline;\">hedges of the fair value of recognised assets or liabilities or firm commitments (fair value </div><div class=\"t s8_160\" id=\"t1l_160\" style=\"left:684px;bottom:351px;letter-spacing:-0.38px;display:inline;\">hedges); and </div><div class=\"t s9_160\" id=\"t1m_160\" style=\"left:671px;bottom:331px;letter-spacing:-0.37px;word-spacing:0.21px;display:inline;\">\u2022 hedges of highly probable future cash flows attributable to a recognised asset or liability </div><div class=\"t s8_160\" id=\"t1n_160\" style=\"left:684px;bottom:315px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(cash flow hedges). </div><div class=\"t s8_160\" id=\"t1o_160\" style=\"left:671px;bottom:290px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group does not have hedges of net investments. </div><div class=\"t s8_160\" id=\"t1p_160\" style=\"left:671px;bottom:268px;letter-spacing:-0.38px;display:inline;\">At inception of a hedge, the Group formally documents the relationship between the </div><div class=\"t s8_160\" id=\"t1q_160\" style=\"left:671px;bottom:252px;letter-spacing:-0.38px;display:inline;\">hedged items and hedging instruments, as well as its risk management objective and </div><div class=\"t s8_160\" id=\"t1r_160\" style=\"left:671px;bottom:236px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">strategy for undertaking various hedge transactions. The Group also documents its </div><div class=\"t s9_160\" id=\"t1s_160\" style=\"left:671px;bottom:220px;letter-spacing:-0.38px;display:inline;\">assessment, both at hedge inception and on an ongoing basis, of whether the derivatives </div><div class=\"t s8_160\" id=\"t1t_160\" style=\"left:671px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that are used in hedging transactions are highly effective in offsetting changes in fair values of </div><div class=\"t s8_160\" id=\"t1u_160\" style=\"left:671px;bottom:187px;letter-spacing:-0.38px;display:inline;\">the hedged items (i.e. the fair value offset between the hedged item and hedging instrument is </div><div class=\"t s8_160\" id=\"t1v_160\" style=\"left:671px;bottom:171px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">within the 80\u2013125% range). </div><div class=\"t s8_160\" id=\"t1w_160\" style=\"left:671px;bottom:149px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When the European Union adopted IAS 39 in 2004, it removed certain hedge accounting </div><div class=\"t s8_160\" id=\"t1x_160\" style=\"left:671px;bottom:133px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">requirements, commonly referred to as the EU carve-out. The relaxed requirements under </div><div class=\"t s8_160\" id=\"t1y_160\" style=\"left:671px;bottom:117px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">the carve-out allow the Group to apply the \u2018bottom up\u2019 method when calculating macro-hedge </div><div class=\"t s8_160\" id=\"t1z_160\" style=\"left:671px;bottom:101px;letter-spacing:-0.38px;display:inline;\">ineffectiveness. This option is not allowed under full IFRS. The Group has applied this </div><div class=\"t s8_160\" id=\"t20_160\" style=\"left:671px;bottom:85px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">carve-out, which is permitted under UK-adopted IAS 39, accordingly. </div><div></div><div class=\"t s2_161\" id=\"t3_161\" style=\"left:82px;bottom:699px;letter-spacing:-0.39px;display:inline;\">Fair value hedge accounting </div><div class=\"t s3_161\" id=\"t4_161\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\">Fair value hedge accounting results in the carrying value of the hedged item being adjusted </div><div class=\"t s3_161\" id=\"t5_161\" style=\"left:82px;bottom:663px;letter-spacing:-0.37px;display:inline;\">to reflect changes in fair value attributable to the hedged risk, thereby offsetting the effect </div><div class=\"t s3_161\" id=\"t6_161\" style=\"left:82px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of the related movement in the fair value of the derivative. Changes in the fair value of </div><div class=\"t s4_161\" id=\"t7_161\" style=\"left:82px;bottom:631px;letter-spacing:-0.38px;display:inline;\">derivatives and hedged items that are designated and qualify as fair value hedges are </div><div class=\"t s4_161\" id=\"t8_161\" style=\"left:82px;bottom:614px;letter-spacing:-0.38px;display:inline;\">recorded in the income statement. </div><div class=\"t s3_161\" id=\"t9_161\" style=\"left:82px;bottom:592px;letter-spacing:-0.38px;display:inline;\">In a one-to-one hedging relationship, in which a single derivative hedges a single hedged item, </div><div class=\"t s3_161\" id=\"ta_161\" style=\"left:82px;bottom:576px;letter-spacing:-0.37px;display:inline;\">the carrying value of the underlying asset or liability (the hedged item) is adjusted for the </div><div class=\"t s3_161\" id=\"tb_161\" style=\"left:82px;bottom:560px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hedged risk to offset the fair value movement of the related derivative. In the case of a </div><div class=\"t s3_161\" id=\"tc_161\" style=\"left:82px;bottom:544px;letter-spacing:-0.38px;display:inline;\">portfolio hedge, an adjustment is included in the fair value adjustments for portfolio hedged </div><div class=\"t s4_161\" id=\"td_161\" style=\"left:82px;bottom:528px;letter-spacing:-0.38px;display:inline;\">risk line in the statement of financial position to offset the fair value movements in the related </div><div class=\"t s3_161\" id=\"te_161\" style=\"left:82px;bottom:512px;letter-spacing:-0.38px;display:inline;\">derivative. The Group currently only designates portfolio hedges. </div><div class=\"t s3_161\" id=\"tf_161\" style=\"left:82px;bottom:489px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">If the hedge no longer meets the criteria for hedge accounting, expires or is terminated, the </div><div class=\"t s3_161\" id=\"tg_161\" style=\"left:82px;bottom:473px;letter-spacing:-0.38px;display:inline;\">cumulative fair value adjustment to the carrying amount of a hedged item is amortised to the </div><div class=\"t s4_161\" id=\"th_161\" style=\"left:82px;bottom:457px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">income statement over the period to maturity of the previously designated hedge relationship </div><div class=\"t s3_161\" id=\"ti_161\" style=\"left:82px;bottom:441px;letter-spacing:-0.38px;display:inline;\">and recorded as net interest income. If the underlying item is sold or repaid, the unamortised </div><div class=\"t s3_161\" id=\"tj_161\" style=\"left:82px;bottom:425px;letter-spacing:-0.38px;display:inline;\">fair value adjustment is immediately recognised in the income statement. </div><div class=\"t s2_161\" id=\"tk_161\" style=\"left:82px;bottom:402px;letter-spacing:-0.39px;display:inline;\">Cash flow hedge accounting </div><div class=\"t s4_161\" id=\"tl_161\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">The effective portion of changes in the fair value of derivatives that are designated and qualify </div><div class=\"t s4_161\" id=\"tm_161\" style=\"left:82px;bottom:366px;letter-spacing:-0.38px;display:inline;\">as cash flow hedges are recognised in other comprehensive income and presented in the cash </div><div class=\"t s4_161\" id=\"tn_161\" style=\"left:82px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">flow hedge reserve in equity. Any ineffective portion of changes in the fair value of the </div><div class=\"t s4_161\" id=\"to_161\" style=\"left:82px;bottom:334px;letter-spacing:-0.38px;display:inline;\">derivative is recognised immediately in the income statement. Amounts recognised in the </div><div class=\"t s4_161\" id=\"tp_161\" style=\"left:82px;bottom:318px;letter-spacing:-0.38px;display:inline;\">cash flow hedge reserve are subsequently reclassified to the income statement when the </div><div class=\"t s3_161\" id=\"tq_161\" style=\"left:82px;bottom:302px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">underlying asset or liability being hedged impacts the income statement, for example, when </div><div class=\"t s4_161\" id=\"tr_161\" style=\"left:82px;bottom:286px;letter-spacing:-0.38px;display:inline;\">interest payments are recognised, and are recorded in the same income statement line in </div><div class=\"t s3_161\" id=\"ts_161\" style=\"left:82px;bottom:270px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which the income or expense associated with the related hedged item is reported. </div><div class=\"t s3_161\" id=\"tt_161\" style=\"left:82px;bottom:247px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria </div><div class=\"t s3_161\" id=\"tu_161\" style=\"left:82px;bottom:231px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for hedge accounting, any cumulative gain or loss existing in equity at that time remains in </div><div class=\"t s4_161\" id=\"tv_161\" style=\"left:82px;bottom:215px;letter-spacing:-0.38px;display:inline;\">equity and is recognised in the periods when the hedged item affects the income statement. </div><div class=\"t s3_161\" id=\"tw_161\" style=\"left:82px;bottom:199px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When a forecast transaction is no longer expected to occur (for example, the recognised </div><div class=\"t s3_161\" id=\"tx_161\" style=\"left:82px;bottom:183px;letter-spacing:-0.38px;display:inline;\">hedged item is disposed of), the cumulative gain or loss previously recognised in other </div><div class=\"t s4_161\" id=\"ty_161\" style=\"left:82px;bottom:167px;letter-spacing:-0.38px;display:inline;\">comprehensive income is immediately reclassified to the income statement. </div><div class=\"t s4_161\" id=\"tz_161\" style=\"left:82px;bottom:145px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The cash flow hedge reserve represents the cumulative amount of gains and losses on </div><div class=\"t s4_161\" id=\"t10_161\" style=\"left:82px;bottom:129px;letter-spacing:-0.39px;display:inline;\">hedging instruments deemed effective in cash flow hedges. The cumulative deferred gain </div><div class=\"t s3_161\" id=\"t11_161\" style=\"left:82px;bottom:112px;letter-spacing:-0.38px;display:inline;\">or loss on the hedging instrument is recognised in profit or loss only when the hedged </div><div class=\"t s3_161\" id=\"t12_161\" style=\"left:82px;bottom:96px;letter-spacing:-0.37px;display:inline;\">transaction impacts the profit or loss, or is included directly in the initial cost or other </div><span>carrying amount of the hedged non-financial items (basis adjustment).</span>",
   "dimensions": {
    "concept": "stb:DisclosureOfFairValueGainsLossesOnFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00471": {
   "value": "<span>Derivative financial instruments accounting policy </span><div class=\"t s8_160\" id=\"t10_160\" style=\"left:671px;bottom:702px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group enters into derivatives to manage exposures to fluctuations in interest rates. </div><div class=\"t s8_160\" id=\"t11_160\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Derivatives are not used for speculative purposes. Derivatives are carried at fair value, with </div><div class=\"t s9_160\" id=\"t12_160\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">movements in fair value recognised in the income statement or other comprehensive income. </div><div class=\"t s8_160\" id=\"t13_160\" style=\"left:671px;bottom:654px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivatives are valued by discounted cash flow models using yield curves based on Overnight </div><div class=\"t s8_160\" id=\"t14_160\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Indexed Swap (\u2018OIS\u2019) rates. Derivatives are carried as assets where fair value is positive and as </div><div class=\"t s8_160\" id=\"t15_160\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">liabilities when fair value is negative where they are not offset. Derivatives are offset in the </div><div class=\"t s8_160\" id=\"t16_160\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements where the Group has both a legally enforceable right and </div><div class=\"t s9_160\" id=\"t17_160\" style=\"left:671px;bottom:590px;letter-spacing:-0.37px;display:inline;\">intention to offset. </div><div class=\"t s8_160\" id=\"t18_160\" style=\"left:671px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group does not hold contracts containing embedded derivatives. </div><div class=\"t s9_160\" id=\"t19_160\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Where cash collateral is received, to mitigate the risk inherent in the amounts due to the </div><div class=\"t s8_160\" id=\"t1a_160\" style=\"left:671px;bottom:529px;letter-spacing:-0.37px;display:inline;\">Group, it is included as a liability within the due to banks line within the statement of financial </div><div class=\"t s9_160\" id=\"t1b_160\" style=\"left:671px;bottom:513px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">position. Where cash collateral is given, to mitigate the risk inherent in amounts due from the </div><div class=\"t s8_160\" id=\"t1c_160\" style=\"left:671px;bottom:497px;letter-spacing:-0.37px;display:inline;\">Group, it is included as an asset in the loans and advances to banks line within the statement </div><div class=\"t s9_160\" id=\"t1d_160\" style=\"left:671px;bottom:481px;letter-spacing:-0.38px;display:inline;\">of financial position. Where cash collateral meets the requirements of offsetting, it is included </div><span>within derivatives. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00470": {
   "value": "<span>Derivative financial instruments accounting policy </span><div class=\"t s8_160\" id=\"t10_160\" style=\"left:671px;bottom:702px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group enters into derivatives to manage exposures to fluctuations in interest rates. </div><div class=\"t s8_160\" id=\"t11_160\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Derivatives are not used for speculative purposes. Derivatives are carried at fair value, with </div><div class=\"t s9_160\" id=\"t12_160\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">movements in fair value recognised in the income statement or other comprehensive income. </div><div class=\"t s8_160\" id=\"t13_160\" style=\"left:671px;bottom:654px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivatives are valued by discounted cash flow models using yield curves based on Overnight </div><div class=\"t s8_160\" id=\"t14_160\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Indexed Swap (\u2018OIS\u2019) rates. Derivatives are carried as assets where fair value is positive and as </div><div class=\"t s8_160\" id=\"t15_160\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">liabilities when fair value is negative where they are not offset. Derivatives are offset in the </div><div class=\"t s8_160\" id=\"t16_160\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">consolidated financial statements where the Group has both a legally enforceable right and </div><div class=\"t s9_160\" id=\"t17_160\" style=\"left:671px;bottom:590px;letter-spacing:-0.37px;display:inline;\">intention to offset. </div><div class=\"t s8_160\" id=\"t18_160\" style=\"left:671px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group does not hold contracts containing embedded derivatives. </div><div class=\"t s9_160\" id=\"t19_160\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Where cash collateral is received, to mitigate the risk inherent in the amounts due to the </div><div class=\"t s8_160\" id=\"t1a_160\" style=\"left:671px;bottom:529px;letter-spacing:-0.37px;display:inline;\">Group, it is included as a liability within the due to banks line within the statement of financial </div><div class=\"t s9_160\" id=\"t1b_160\" style=\"left:671px;bottom:513px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">position. Where cash collateral is given, to mitigate the risk inherent in amounts due from the </div><div class=\"t s8_160\" id=\"t1c_160\" style=\"left:671px;bottom:497px;letter-spacing:-0.37px;display:inline;\">Group, it is included as an asset in the loans and advances to banks line within the statement </div><div class=\"t s9_160\" id=\"t1d_160\" style=\"left:671px;bottom:481px;letter-spacing:-0.38px;display:inline;\">of financial position. Where cash collateral meets the requirements of offsetting, it is included </div><div class=\"t s9_160\" id=\"t1e_160\" style=\"left:671px;bottom:465px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>within derivatives. </span></div><div class=\"t sa_160\" id=\"t1f_160\" style=\"left:671px;bottom:442px;letter-spacing:-0.39px;display:inline;\"><span>Hedge accounting </span></div><div class=\"t s8_160\" id=\"t1g_160\" style=\"left:671px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Following the implementation of IFRS 9, the Group elected to apply IAS 39 for all of its hedge </div><div class=\"t s8_160\" id=\"t1h_160\" style=\"left:671px;bottom:406px;letter-spacing:-0.38px;display:inline;\">accounting requirements. When transactions meet specified criteria the Group can apply two </div><div class=\"t s8_160\" id=\"t1i_160\" style=\"left:671px;bottom:390px;letter-spacing:-0.38px;display:inline;\">types of hedge accounting: </div><div class=\"t s9_160\" id=\"t1j_160\" style=\"left:671px;bottom:367px;display:inline;\">\u2022 </div><div class=\"t s8_160\" id=\"t1k_160\" style=\"left:684px;bottom:367px;letter-spacing:-0.37px;display:inline;\">hedges of the fair value of recognised assets or liabilities or firm commitments (fair value </div><div class=\"t s8_160\" id=\"t1l_160\" style=\"left:684px;bottom:351px;letter-spacing:-0.38px;display:inline;\">hedges); and </div><div class=\"t s9_160\" id=\"t1m_160\" style=\"left:671px;bottom:331px;letter-spacing:-0.37px;word-spacing:0.21px;display:inline;\">\u2022 hedges of highly probable future cash flows attributable to a recognised asset or liability </div><div class=\"t s8_160\" id=\"t1n_160\" style=\"left:684px;bottom:315px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(cash flow hedges). </div><div class=\"t s8_160\" id=\"t1o_160\" style=\"left:671px;bottom:290px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group does not have hedges of net investments. </div><div class=\"t s8_160\" id=\"t1p_160\" style=\"left:671px;bottom:268px;letter-spacing:-0.38px;display:inline;\">At inception of a hedge, the Group formally documents the relationship between the </div><div class=\"t s8_160\" id=\"t1q_160\" style=\"left:671px;bottom:252px;letter-spacing:-0.38px;display:inline;\">hedged items and hedging instruments, as well as its risk management objective and </div><div class=\"t s8_160\" id=\"t1r_160\" style=\"left:671px;bottom:236px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">strategy for undertaking various hedge transactions. The Group also documents its </div><div class=\"t s9_160\" id=\"t1s_160\" style=\"left:671px;bottom:220px;letter-spacing:-0.38px;display:inline;\">assessment, both at hedge inception and on an ongoing basis, of whether the derivatives </div><div class=\"t s8_160\" id=\"t1t_160\" style=\"left:671px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that are used in hedging transactions are highly effective in offsetting changes in fair values of </div><div class=\"t s8_160\" id=\"t1u_160\" style=\"left:671px;bottom:187px;letter-spacing:-0.38px;display:inline;\">the hedged items (i.e. the fair value offset between the hedged item and hedging instrument is </div><div class=\"t s8_160\" id=\"t1v_160\" style=\"left:671px;bottom:171px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">within the 80\u2013125% range). </div><div class=\"t s8_160\" id=\"t1w_160\" style=\"left:671px;bottom:149px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When the European Union adopted IAS 39 in 2004, it removed certain hedge accounting </div><div class=\"t s8_160\" id=\"t1x_160\" style=\"left:671px;bottom:133px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">requirements, commonly referred to as the EU carve-out. The relaxed requirements under </div><div class=\"t s8_160\" id=\"t1y_160\" style=\"left:671px;bottom:117px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">the carve-out allow the Group to apply the \u2018bottom up\u2019 method when calculating macro-hedge </div><div class=\"t s8_160\" id=\"t1z_160\" style=\"left:671px;bottom:101px;letter-spacing:-0.38px;display:inline;\">ineffectiveness. This option is not allowed under full IFRS. The Group has applied this </div><div class=\"t s8_160\" id=\"t20_160\" style=\"left:671px;bottom:85px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">carve-out, which is permitted under UK-adopted IAS 39, accordingly. </div><div></div><div class=\"t s2_161\" id=\"t3_161\" style=\"left:82px;bottom:699px;letter-spacing:-0.39px;display:inline;\">Fair value hedge accounting </div><div class=\"t s3_161\" id=\"t4_161\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\">Fair value hedge accounting results in the carrying value of the hedged item being adjusted </div><div class=\"t s3_161\" id=\"t5_161\" style=\"left:82px;bottom:663px;letter-spacing:-0.37px;display:inline;\">to reflect changes in fair value attributable to the hedged risk, thereby offsetting the effect </div><div class=\"t s3_161\" id=\"t6_161\" style=\"left:82px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of the related movement in the fair value of the derivative. Changes in the fair value of </div><div class=\"t s4_161\" id=\"t7_161\" style=\"left:82px;bottom:631px;letter-spacing:-0.38px;display:inline;\">derivatives and hedged items that are designated and qualify as fair value hedges are </div><div class=\"t s4_161\" id=\"t8_161\" style=\"left:82px;bottom:614px;letter-spacing:-0.38px;display:inline;\">recorded in the income statement. </div><div class=\"t s3_161\" id=\"t9_161\" style=\"left:82px;bottom:592px;letter-spacing:-0.38px;display:inline;\">In a one-to-one hedging relationship, in which a single derivative hedges a single hedged item, </div><div class=\"t s3_161\" id=\"ta_161\" style=\"left:82px;bottom:576px;letter-spacing:-0.37px;display:inline;\">the carrying value of the underlying asset or liability (the hedged item) is adjusted for the </div><div class=\"t s3_161\" id=\"tb_161\" style=\"left:82px;bottom:560px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hedged risk to offset the fair value movement of the related derivative. In the case of a </div><div class=\"t s3_161\" id=\"tc_161\" style=\"left:82px;bottom:544px;letter-spacing:-0.38px;display:inline;\">portfolio hedge, an adjustment is included in the fair value adjustments for portfolio hedged </div><div class=\"t s4_161\" id=\"td_161\" style=\"left:82px;bottom:528px;letter-spacing:-0.38px;display:inline;\">risk line in the statement of financial position to offset the fair value movements in the related </div><div class=\"t s3_161\" id=\"te_161\" style=\"left:82px;bottom:512px;letter-spacing:-0.38px;display:inline;\">derivative. The Group currently only designates portfolio hedges. </div><div class=\"t s3_161\" id=\"tf_161\" style=\"left:82px;bottom:489px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">If the hedge no longer meets the criteria for hedge accounting, expires or is terminated, the </div><div class=\"t s3_161\" id=\"tg_161\" style=\"left:82px;bottom:473px;letter-spacing:-0.38px;display:inline;\">cumulative fair value adjustment to the carrying amount of a hedged item is amortised to the </div><div class=\"t s4_161\" id=\"th_161\" style=\"left:82px;bottom:457px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">income statement over the period to maturity of the previously designated hedge relationship </div><div class=\"t s3_161\" id=\"ti_161\" style=\"left:82px;bottom:441px;letter-spacing:-0.38px;display:inline;\">and recorded as net interest income. If the underlying item is sold or repaid, the unamortised </div><div class=\"t s3_161\" id=\"tj_161\" style=\"left:82px;bottom:425px;letter-spacing:-0.38px;display:inline;\">fair value adjustment is immediately recognised in the income statement. </div><div class=\"t s2_161\" id=\"tk_161\" style=\"left:82px;bottom:402px;letter-spacing:-0.39px;display:inline;\">Cash flow hedge accounting </div><div class=\"t s4_161\" id=\"tl_161\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">The effective portion of changes in the fair value of derivatives that are designated and qualify </div><div class=\"t s4_161\" id=\"tm_161\" style=\"left:82px;bottom:366px;letter-spacing:-0.38px;display:inline;\">as cash flow hedges are recognised in other comprehensive income and presented in the cash </div><div class=\"t s4_161\" id=\"tn_161\" style=\"left:82px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">flow hedge reserve in equity. Any ineffective portion of changes in the fair value of the </div><div class=\"t s4_161\" id=\"to_161\" style=\"left:82px;bottom:334px;letter-spacing:-0.38px;display:inline;\">derivative is recognised immediately in the income statement. Amounts recognised in the </div><div class=\"t s4_161\" id=\"tp_161\" style=\"left:82px;bottom:318px;letter-spacing:-0.38px;display:inline;\">cash flow hedge reserve are subsequently reclassified to the income statement when the </div><div class=\"t s3_161\" id=\"tq_161\" style=\"left:82px;bottom:302px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">underlying asset or liability being hedged impacts the income statement, for example, when </div><div class=\"t s4_161\" id=\"tr_161\" style=\"left:82px;bottom:286px;letter-spacing:-0.38px;display:inline;\">interest payments are recognised, and are recorded in the same income statement line in </div><div class=\"t s3_161\" id=\"ts_161\" style=\"left:82px;bottom:270px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which the income or expense associated with the related hedged item is reported. </div><div class=\"t s3_161\" id=\"tt_161\" style=\"left:82px;bottom:247px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria </div><div class=\"t s3_161\" id=\"tu_161\" style=\"left:82px;bottom:231px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for hedge accounting, any cumulative gain or loss existing in equity at that time remains in </div><div class=\"t s4_161\" id=\"tv_161\" style=\"left:82px;bottom:215px;letter-spacing:-0.38px;display:inline;\">equity and is recognised in the periods when the hedged item affects the income statement. </div><div class=\"t s3_161\" id=\"tw_161\" style=\"left:82px;bottom:199px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When a forecast transaction is no longer expected to occur (for example, the recognised </div><div class=\"t s3_161\" id=\"tx_161\" style=\"left:82px;bottom:183px;letter-spacing:-0.38px;display:inline;\">hedged item is disposed of), the cumulative gain or loss previously recognised in other </div><div class=\"t s4_161\" id=\"ty_161\" style=\"left:82px;bottom:167px;letter-spacing:-0.38px;display:inline;\">comprehensive income is immediately reclassified to the income statement. </div><div class=\"t s4_161\" id=\"tz_161\" style=\"left:82px;bottom:145px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The cash flow hedge reserve represents the cumulative amount of gains and losses on </div><div class=\"t s4_161\" id=\"t10_161\" style=\"left:82px;bottom:129px;letter-spacing:-0.39px;display:inline;\">hedging instruments deemed effective in cash flow hedges. The cumulative deferred gain </div><div class=\"t s3_161\" id=\"t11_161\" style=\"left:82px;bottom:112px;letter-spacing:-0.38px;display:inline;\">or loss on the hedging instrument is recognised in profit or loss only when the hedged </div><div class=\"t s3_161\" id=\"t12_161\" style=\"left:82px;bottom:96px;letter-spacing:-0.37px;display:inline;\">transaction impacts the profit or loss, or is included directly in the initial cost or other </div><span>carrying amount of the hedged non-financial items (basis adjustment).</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00472": {
   "value": "<span>Hedge accounting </span><div class=\"t s8_160\" id=\"t1g_160\" style=\"left:671px;bottom:422px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Following the implementation of IFRS 9, the Group elected to apply IAS 39 for all of its hedge </div><div class=\"t s8_160\" id=\"t1h_160\" style=\"left:671px;bottom:406px;letter-spacing:-0.38px;display:inline;\">accounting requirements. When transactions meet specified criteria the Group can apply two </div><div class=\"t s8_160\" id=\"t1i_160\" style=\"left:671px;bottom:390px;letter-spacing:-0.38px;display:inline;\">types of hedge accounting: </div><div class=\"t s9_160\" id=\"t1j_160\" style=\"left:671px;bottom:367px;display:inline;\">\u2022 </div><div class=\"t s8_160\" id=\"t1k_160\" style=\"left:684px;bottom:367px;letter-spacing:-0.37px;display:inline;\">hedges of the fair value of recognised assets or liabilities or firm commitments (fair value </div><div class=\"t s8_160\" id=\"t1l_160\" style=\"left:684px;bottom:351px;letter-spacing:-0.38px;display:inline;\">hedges); and </div><div class=\"t s9_160\" id=\"t1m_160\" style=\"left:671px;bottom:331px;letter-spacing:-0.37px;word-spacing:0.21px;display:inline;\">\u2022 hedges of highly probable future cash flows attributable to a recognised asset or liability </div><div class=\"t s8_160\" id=\"t1n_160\" style=\"left:684px;bottom:315px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(cash flow hedges). </div><div class=\"t s8_160\" id=\"t1o_160\" style=\"left:671px;bottom:290px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group does not have hedges of net investments. </div><div class=\"t s8_160\" id=\"t1p_160\" style=\"left:671px;bottom:268px;letter-spacing:-0.38px;display:inline;\">At inception of a hedge, the Group formally documents the relationship between the </div><div class=\"t s8_160\" id=\"t1q_160\" style=\"left:671px;bottom:252px;letter-spacing:-0.38px;display:inline;\">hedged items and hedging instruments, as well as its risk management objective and </div><div class=\"t s8_160\" id=\"t1r_160\" style=\"left:671px;bottom:236px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">strategy for undertaking various hedge transactions. The Group also documents its </div><div class=\"t s9_160\" id=\"t1s_160\" style=\"left:671px;bottom:220px;letter-spacing:-0.38px;display:inline;\">assessment, both at hedge inception and on an ongoing basis, of whether the derivatives </div><div class=\"t s8_160\" id=\"t1t_160\" style=\"left:671px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that are used in hedging transactions are highly effective in offsetting changes in fair values of </div><div class=\"t s8_160\" id=\"t1u_160\" style=\"left:671px;bottom:187px;letter-spacing:-0.38px;display:inline;\">the hedged items (i.e. the fair value offset between the hedged item and hedging instrument is </div><div class=\"t s8_160\" id=\"t1v_160\" style=\"left:671px;bottom:171px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">within the 80\u2013125% range). </div><div class=\"t s8_160\" id=\"t1w_160\" style=\"left:671px;bottom:149px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When the European Union adopted IAS 39 in 2004, it removed certain hedge accounting </div><div class=\"t s8_160\" id=\"t1x_160\" style=\"left:671px;bottom:133px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">requirements, commonly referred to as the EU carve-out. The relaxed requirements under </div><div class=\"t s8_160\" id=\"t1y_160\" style=\"left:671px;bottom:117px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">the carve-out allow the Group to apply the \u2018bottom up\u2019 method when calculating macro-hedge </div><div class=\"t s8_160\" id=\"t1z_160\" style=\"left:671px;bottom:101px;letter-spacing:-0.38px;display:inline;\">ineffectiveness. This option is not allowed under full IFRS. The Group has applied this </div><div class=\"t s8_160\" id=\"t20_160\" style=\"left:671px;bottom:85px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">carve-out, which is permitted under UK-adopted IAS 39, accordingly. </div><div></div><div class=\"t s2_161\" id=\"t3_161\" style=\"left:82px;bottom:699px;letter-spacing:-0.39px;display:inline;\">Fair value hedge accounting </div><div class=\"t s3_161\" id=\"t4_161\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\">Fair value hedge accounting results in the carrying value of the hedged item being adjusted </div><div class=\"t s3_161\" id=\"t5_161\" style=\"left:82px;bottom:663px;letter-spacing:-0.37px;display:inline;\">to reflect changes in fair value attributable to the hedged risk, thereby offsetting the effect </div><div class=\"t s3_161\" id=\"t6_161\" style=\"left:82px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of the related movement in the fair value of the derivative. Changes in the fair value of </div><div class=\"t s4_161\" id=\"t7_161\" style=\"left:82px;bottom:631px;letter-spacing:-0.38px;display:inline;\">derivatives and hedged items that are designated and qualify as fair value hedges are </div><div class=\"t s4_161\" id=\"t8_161\" style=\"left:82px;bottom:614px;letter-spacing:-0.38px;display:inline;\">recorded in the income statement. </div><div class=\"t s3_161\" id=\"t9_161\" style=\"left:82px;bottom:592px;letter-spacing:-0.38px;display:inline;\">In a one-to-one hedging relationship, in which a single derivative hedges a single hedged item, </div><div class=\"t s3_161\" id=\"ta_161\" style=\"left:82px;bottom:576px;letter-spacing:-0.37px;display:inline;\">the carrying value of the underlying asset or liability (the hedged item) is adjusted for the </div><div class=\"t s3_161\" id=\"tb_161\" style=\"left:82px;bottom:560px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hedged risk to offset the fair value movement of the related derivative. In the case of a </div><div class=\"t s3_161\" id=\"tc_161\" style=\"left:82px;bottom:544px;letter-spacing:-0.38px;display:inline;\">portfolio hedge, an adjustment is included in the fair value adjustments for portfolio hedged </div><div class=\"t s4_161\" id=\"td_161\" style=\"left:82px;bottom:528px;letter-spacing:-0.38px;display:inline;\">risk line in the statement of financial position to offset the fair value movements in the related </div><div class=\"t s3_161\" id=\"te_161\" style=\"left:82px;bottom:512px;letter-spacing:-0.38px;display:inline;\">derivative. The Group currently only designates portfolio hedges. </div><div class=\"t s3_161\" id=\"tf_161\" style=\"left:82px;bottom:489px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">If the hedge no longer meets the criteria for hedge accounting, expires or is terminated, the </div><div class=\"t s3_161\" id=\"tg_161\" style=\"left:82px;bottom:473px;letter-spacing:-0.38px;display:inline;\">cumulative fair value adjustment to the carrying amount of a hedged item is amortised to the </div><div class=\"t s4_161\" id=\"th_161\" style=\"left:82px;bottom:457px;letter-spacing:-0.39px;word-spacing:-0.02px;display:inline;\">income statement over the period to maturity of the previously designated hedge relationship </div><div class=\"t s3_161\" id=\"ti_161\" style=\"left:82px;bottom:441px;letter-spacing:-0.38px;display:inline;\">and recorded as net interest income. If the underlying item is sold or repaid, the unamortised </div><div class=\"t s3_161\" id=\"tj_161\" style=\"left:82px;bottom:425px;letter-spacing:-0.38px;display:inline;\">fair value adjustment is immediately recognised in the income statement. </div><div class=\"t s2_161\" id=\"tk_161\" style=\"left:82px;bottom:402px;letter-spacing:-0.39px;display:inline;\">Cash flow hedge accounting </div><div class=\"t s4_161\" id=\"tl_161\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">The effective portion of changes in the fair value of derivatives that are designated and qualify </div><div class=\"t s4_161\" id=\"tm_161\" style=\"left:82px;bottom:366px;letter-spacing:-0.38px;display:inline;\">as cash flow hedges are recognised in other comprehensive income and presented in the cash </div><div class=\"t s4_161\" id=\"tn_161\" style=\"left:82px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">flow hedge reserve in equity. Any ineffective portion of changes in the fair value of the </div><div class=\"t s4_161\" id=\"to_161\" style=\"left:82px;bottom:334px;letter-spacing:-0.38px;display:inline;\">derivative is recognised immediately in the income statement. Amounts recognised in the </div><div class=\"t s4_161\" id=\"tp_161\" style=\"left:82px;bottom:318px;letter-spacing:-0.38px;display:inline;\">cash flow hedge reserve are subsequently reclassified to the income statement when the </div><div class=\"t s3_161\" id=\"tq_161\" style=\"left:82px;bottom:302px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">underlying asset or liability being hedged impacts the income statement, for example, when </div><div class=\"t s4_161\" id=\"tr_161\" style=\"left:82px;bottom:286px;letter-spacing:-0.38px;display:inline;\">interest payments are recognised, and are recorded in the same income statement line in </div><div class=\"t s3_161\" id=\"ts_161\" style=\"left:82px;bottom:270px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which the income or expense associated with the related hedged item is reported. </div><div class=\"t s3_161\" id=\"tt_161\" style=\"left:82px;bottom:247px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria </div><div class=\"t s3_161\" id=\"tu_161\" style=\"left:82px;bottom:231px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">for hedge accounting, any cumulative gain or loss existing in equity at that time remains in </div><div class=\"t s4_161\" id=\"tv_161\" style=\"left:82px;bottom:215px;letter-spacing:-0.38px;display:inline;\">equity and is recognised in the periods when the hedged item affects the income statement. </div><div class=\"t s3_161\" id=\"tw_161\" style=\"left:82px;bottom:199px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">When a forecast transaction is no longer expected to occur (for example, the recognised </div><div class=\"t s3_161\" id=\"tx_161\" style=\"left:82px;bottom:183px;letter-spacing:-0.38px;display:inline;\">hedged item is disposed of), the cumulative gain or loss previously recognised in other </div><div class=\"t s4_161\" id=\"ty_161\" style=\"left:82px;bottom:167px;letter-spacing:-0.38px;display:inline;\">comprehensive income is immediately reclassified to the income statement. </div><div class=\"t s4_161\" id=\"tz_161\" style=\"left:82px;bottom:145px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The cash flow hedge reserve represents the cumulative amount of gains and losses on </div><div class=\"t s4_161\" id=\"t10_161\" style=\"left:82px;bottom:129px;letter-spacing:-0.39px;display:inline;\">hedging instruments deemed effective in cash flow hedges. The cumulative deferred gain </div><div class=\"t s3_161\" id=\"t11_161\" style=\"left:82px;bottom:112px;letter-spacing:-0.38px;display:inline;\">or loss on the hedging instrument is recognised in profit or loss only when the hedged </div><div class=\"t s3_161\" id=\"t12_161\" style=\"left:82px;bottom:96px;letter-spacing:-0.37px;display:inline;\">transaction impacts the profit or loss, or is included directly in the initial cost or other </div><span>carrying amount of the hedged non-financial items (basis adjustment).</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00317": {
   "value": "<span>6. Operating expenses </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t15_161\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t17_161\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t16_161\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t18_161\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t19_161\" style=\"left:654px;bottom:686px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Employee costs, including those of Directors: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1a_161\" style=\"left:668px;bottom:666px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Wages and salaries </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1b_161\" style=\"left:1108px;bottom:666px;letter-spacing:-0.26px;display:inline;\">51.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1c_161\" style=\"left:1191px;bottom:666px;letter-spacing:-0.26px;display:inline;\">52.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1d_161\" style=\"left:668px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Social security costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1e_161\" style=\"left:1116px;bottom:646px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1f_161\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1g_161\" style=\"left:668px;bottom:627px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Pension costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1h_161\" style=\"left:1116px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1i_161\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1j_161\" style=\"left:668px;bottom:607px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Share-based payment transactions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1k_161\" style=\"left:1116px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1l_161\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1m_161\" style=\"left:654px;bottom:587px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Depreciation of property, plant and equipment (Note 21) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1n_161\" style=\"left:1116px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1o_161\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1p_161\" style=\"left:654px;bottom:567px;letter-spacing:-0.24px;display:inline;\">Depreciation of lease right-of-use assets (Note 22) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1q_161\" style=\"left:1116px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1r_161\" style=\"left:1198px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1s_161\" style=\"left:654px;bottom:548px;letter-spacing:-0.24px;display:inline;\">Amortisation of intangible assets (Note 23) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1t_161\" style=\"left:1116px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1u_161\" style=\"left:1198px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1v_161\" style=\"left:654px;bottom:528px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Operating lease rentals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1w_161\" style=\"left:1116px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1x_161\" style=\"left:1198px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1y_161\" style=\"left:654px;bottom:508px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Other administrative expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1z_161\" style=\"left:1108px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t20_161\" style=\"left:1191px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t21_161\" style=\"left:654px;bottom:488px;letter-spacing:-0.35px;word-spacing:0.1px;display:inline;\">Total operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t22_161\" style=\"left:1100px;bottom:488px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t23_161\" style=\"left:1182px;bottom:488px;letter-spacing:-0.26px;display:inline;\">103.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t24_161\" style=\"left:654px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t25_161\" style=\"left:667px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t26_161\" style=\"left:1108px;bottom:449px;letter-spacing:-0.26px;display:inline;\">74.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t27_161\" style=\"left:1191px;bottom:449px;letter-spacing:-0.26px;display:inline;\">72.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t28_161\" style=\"left:667px;bottom:429px;letter-spacing:-0.26px;display:inline;\">Discontinued </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t29_161\" style=\"left:1108px;bottom:429px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2a_161\" style=\"left:1191px;bottom:429px;letter-spacing:-0.26px;display:inline;\">31.6 </div></td></tr>\n                                        </table>\n<div class=\"t s2_161\" id=\"t2b_161\" style=\"left:671px;bottom:387px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Post-retirement obligations accounting policy </span></div><div class=\"t s3_161\" id=\"t2c_161\" style=\"left:671px;bottom:366px;letter-spacing:-0.38px;display:inline;\">The Group contributes to defined contribution schemes for the benefit of certain employees. </div><div class=\"t s3_161\" id=\"t2d_161\" style=\"left:671px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The schemes are funded through payments to insurance companies or trustee-administered </div><div class=\"t s3_161\" id=\"t2e_161\" style=\"left:671px;bottom:334px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">funds at the contribution rates agreed with individual employees. The Group has no further </div><div class=\"t s4_161\" id=\"t2f_161\" style=\"left:671px;bottom:318px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">payment obligations once the contributions have been paid. The contributions are recognised </div><div class=\"t s3_161\" id=\"t2g_161\" style=\"left:671px;bottom:302px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">as an employee benefit expense when they are due. There are no post-retirement benefits </div><div class=\"t s4_161\" id=\"t2h_161\" style=\"left:671px;bottom:286px;letter-spacing:-0.38px;display:inline;\"><span>other than pensions.</span> </div><div class=\"t s3_161\" id=\"t2i_161\" style=\"left:654px;bottom:246px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\"><span>Remuneration of the Auditor and its associates, excluding VAT, was as follows: </span></div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t2j_161\" style=\"left:1111px;bottom:226px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t2l_161\" style=\"left:1189px;bottom:226px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t2k_161\" style=\"left:1095px;bottom:213px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t2m_161\" style=\"left:1175px;bottom:213px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2n_161\" style=\"left:654px;bottom:192px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Fees payable to the Company\u2019s Auditor for the audit of the Company\u2019s </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2o_161\" style=\"left:654px;bottom:175px;letter-spacing:-0.25px;display:inline;\">annual accounts </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2p_161\" style=\"left:1120px;bottom:175px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2q_161\" style=\"left:1198px;bottom:175px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2r_161\" style=\"left:654px;bottom:156px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Fees payable to the Company\u2019s Auditor for other services: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2s_161\" style=\"left:668px;bottom:136px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Other assurance services </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2t_161\" style=\"left:1120px;bottom:136px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2u_161\" style=\"left:1198px;bottom:136px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_161\" id=\"t2v_161\" style=\"left:1120px;bottom:116px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_161\" id=\"t2w_161\" style=\"left:1198px;bottom:116px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr>\n                                        </table>\n<div class=\"t s4_161\" id=\"t2x_161\" style=\"left:654px;bottom:89px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Other assurance services related to the interim independent review report and profit certifications </div><span>(2024: interim independent review report and profit certification).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00318": {
   "value": "<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t15_161\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t17_161\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t16_161\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t18_161\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t19_161\" style=\"left:654px;bottom:686px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Employee costs, including those of Directors: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1a_161\" style=\"left:668px;bottom:666px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Wages and salaries </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1b_161\" style=\"left:1108px;bottom:666px;letter-spacing:-0.26px;display:inline;\">51.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1c_161\" style=\"left:1191px;bottom:666px;letter-spacing:-0.26px;display:inline;\">52.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1d_161\" style=\"left:668px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Social security costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1e_161\" style=\"left:1116px;bottom:646px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1f_161\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1g_161\" style=\"left:668px;bottom:627px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Pension costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1h_161\" style=\"left:1116px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1i_161\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1j_161\" style=\"left:668px;bottom:607px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Share-based payment transactions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1k_161\" style=\"left:1116px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1l_161\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1m_161\" style=\"left:654px;bottom:587px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Depreciation of property, plant and equipment (Note 21) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1n_161\" style=\"left:1116px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1o_161\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1p_161\" style=\"left:654px;bottom:567px;letter-spacing:-0.24px;display:inline;\">Depreciation of lease right-of-use assets (Note 22) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1q_161\" style=\"left:1116px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1r_161\" style=\"left:1198px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1s_161\" style=\"left:654px;bottom:548px;letter-spacing:-0.24px;display:inline;\">Amortisation of intangible assets (Note 23) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1t_161\" style=\"left:1116px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1u_161\" style=\"left:1198px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1v_161\" style=\"left:654px;bottom:528px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Operating lease rentals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1w_161\" style=\"left:1116px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1x_161\" style=\"left:1198px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1y_161\" style=\"left:654px;bottom:508px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Other administrative expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1z_161\" style=\"left:1108px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t20_161\" style=\"left:1191px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t21_161\" style=\"left:654px;bottom:488px;letter-spacing:-0.35px;word-spacing:0.1px;display:inline;\">Total operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t22_161\" style=\"left:1100px;bottom:488px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t23_161\" style=\"left:1182px;bottom:488px;letter-spacing:-0.26px;display:inline;\">103.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t24_161\" style=\"left:654px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t25_161\" style=\"left:667px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t26_161\" style=\"left:1108px;bottom:449px;letter-spacing:-0.26px;display:inline;\">74.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t27_161\" style=\"left:1191px;bottom:449px;letter-spacing:-0.26px;display:inline;\">72.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t28_161\" style=\"left:667px;bottom:429px;letter-spacing:-0.26px;display:inline;\">Discontinued </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t29_161\" style=\"left:1108px;bottom:429px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2a_161\" style=\"left:1191px;bottom:429px;letter-spacing:-0.26px;display:inline;\">31.6 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00319": {
   "value": "<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t15_161\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t17_161\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t16_161\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t18_161\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t19_161\" style=\"left:654px;bottom:686px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Employee costs, including those of Directors: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1a_161\" style=\"left:668px;bottom:666px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Wages and salaries </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1b_161\" style=\"left:1108px;bottom:666px;letter-spacing:-0.26px;display:inline;\">51.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1c_161\" style=\"left:1191px;bottom:666px;letter-spacing:-0.26px;display:inline;\">52.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1d_161\" style=\"left:668px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Social security costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1e_161\" style=\"left:1116px;bottom:646px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1f_161\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1g_161\" style=\"left:668px;bottom:627px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Pension costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1h_161\" style=\"left:1116px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1i_161\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1j_161\" style=\"left:668px;bottom:607px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Share-based payment transactions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1k_161\" style=\"left:1116px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1l_161\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1m_161\" style=\"left:654px;bottom:587px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Depreciation of property, plant and equipment (Note 21) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1n_161\" style=\"left:1116px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1o_161\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1p_161\" style=\"left:654px;bottom:567px;letter-spacing:-0.24px;display:inline;\">Depreciation of lease right-of-use assets (Note 22) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1q_161\" style=\"left:1116px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1r_161\" style=\"left:1198px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1s_161\" style=\"left:654px;bottom:548px;letter-spacing:-0.24px;display:inline;\">Amortisation of intangible assets (Note 23) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1t_161\" style=\"left:1116px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1u_161\" style=\"left:1198px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1v_161\" style=\"left:654px;bottom:528px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Operating lease rentals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1w_161\" style=\"left:1116px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1x_161\" style=\"left:1198px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1y_161\" style=\"left:654px;bottom:508px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Other administrative expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1z_161\" style=\"left:1108px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t20_161\" style=\"left:1191px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t21_161\" style=\"left:654px;bottom:488px;letter-spacing:-0.35px;word-spacing:0.1px;display:inline;\">Total operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t22_161\" style=\"left:1100px;bottom:488px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t23_161\" style=\"left:1182px;bottom:488px;letter-spacing:-0.26px;display:inline;\">103.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t24_161\" style=\"left:654px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t25_161\" style=\"left:667px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t26_161\" style=\"left:1108px;bottom:449px;letter-spacing:-0.26px;display:inline;\">74.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t27_161\" style=\"left:1191px;bottom:449px;letter-spacing:-0.26px;display:inline;\">72.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t28_161\" style=\"left:667px;bottom:429px;letter-spacing:-0.26px;display:inline;\">Discontinued </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t29_161\" style=\"left:1108px;bottom:429px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2a_161\" style=\"left:1191px;bottom:429px;letter-spacing:-0.26px;display:inline;\">31.6 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00320": {
   "value": "<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t15_161\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t17_161\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t16_161\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t18_161\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t19_161\" style=\"left:654px;bottom:686px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Employee costs, including those of Directors: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1a_161\" style=\"left:668px;bottom:666px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Wages and salaries </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1b_161\" style=\"left:1108px;bottom:666px;letter-spacing:-0.26px;display:inline;\">51.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1c_161\" style=\"left:1191px;bottom:666px;letter-spacing:-0.26px;display:inline;\">52.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1d_161\" style=\"left:668px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Social security costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1e_161\" style=\"left:1116px;bottom:646px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1f_161\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1g_161\" style=\"left:668px;bottom:627px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Pension costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1h_161\" style=\"left:1116px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1i_161\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1j_161\" style=\"left:668px;bottom:607px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Share-based payment transactions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1k_161\" style=\"left:1116px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1l_161\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1m_161\" style=\"left:654px;bottom:587px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Depreciation of property, plant and equipment (Note 21) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1n_161\" style=\"left:1116px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1o_161\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1p_161\" style=\"left:654px;bottom:567px;letter-spacing:-0.24px;display:inline;\">Depreciation of lease right-of-use assets (Note 22) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1q_161\" style=\"left:1116px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1r_161\" style=\"left:1198px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1s_161\" style=\"left:654px;bottom:548px;letter-spacing:-0.24px;display:inline;\">Amortisation of intangible assets (Note 23) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1t_161\" style=\"left:1116px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1u_161\" style=\"left:1198px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1v_161\" style=\"left:654px;bottom:528px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Operating lease rentals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1w_161\" style=\"left:1116px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1x_161\" style=\"left:1198px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1y_161\" style=\"left:654px;bottom:508px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Other administrative expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1z_161\" style=\"left:1108px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t20_161\" style=\"left:1191px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t21_161\" style=\"left:654px;bottom:488px;letter-spacing:-0.35px;word-spacing:0.1px;display:inline;\">Total operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t22_161\" style=\"left:1100px;bottom:488px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t23_161\" style=\"left:1182px;bottom:488px;letter-spacing:-0.26px;display:inline;\">103.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t24_161\" style=\"left:654px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t25_161\" style=\"left:667px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t26_161\" style=\"left:1108px;bottom:449px;letter-spacing:-0.26px;display:inline;\">74.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t27_161\" style=\"left:1191px;bottom:449px;letter-spacing:-0.26px;display:inline;\">72.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t28_161\" style=\"left:667px;bottom:429px;letter-spacing:-0.26px;display:inline;\">Discontinued </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t29_161\" style=\"left:1108px;bottom:429px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2a_161\" style=\"left:1191px;bottom:429px;letter-spacing:-0.26px;display:inline;\">31.6 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00322": {
   "value": "<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t15_161\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t17_161\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t16_161\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t18_161\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t19_161\" style=\"left:654px;bottom:686px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Employee costs, including those of Directors: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1a_161\" style=\"left:668px;bottom:666px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Wages and salaries </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1b_161\" style=\"left:1108px;bottom:666px;letter-spacing:-0.26px;display:inline;\">51.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1c_161\" style=\"left:1191px;bottom:666px;letter-spacing:-0.26px;display:inline;\">52.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1d_161\" style=\"left:668px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Social security costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1e_161\" style=\"left:1116px;bottom:646px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1f_161\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1g_161\" style=\"left:668px;bottom:627px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Pension costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1h_161\" style=\"left:1116px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1i_161\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1j_161\" style=\"left:668px;bottom:607px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Share-based payment transactions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1k_161\" style=\"left:1116px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1l_161\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1m_161\" style=\"left:654px;bottom:587px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Depreciation of property, plant and equipment (Note 21) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1n_161\" style=\"left:1116px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1o_161\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1p_161\" style=\"left:654px;bottom:567px;letter-spacing:-0.24px;display:inline;\">Depreciation of lease right-of-use assets (Note 22) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1q_161\" style=\"left:1116px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1r_161\" style=\"left:1198px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1s_161\" style=\"left:654px;bottom:548px;letter-spacing:-0.24px;display:inline;\">Amortisation of intangible assets (Note 23) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1t_161\" style=\"left:1116px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1u_161\" style=\"left:1198px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1v_161\" style=\"left:654px;bottom:528px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Operating lease rentals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1w_161\" style=\"left:1116px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1x_161\" style=\"left:1198px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1y_161\" style=\"left:654px;bottom:508px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Other administrative expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1z_161\" style=\"left:1108px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t20_161\" style=\"left:1191px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t21_161\" style=\"left:654px;bottom:488px;letter-spacing:-0.35px;word-spacing:0.1px;display:inline;\">Total operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t22_161\" style=\"left:1100px;bottom:488px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t23_161\" style=\"left:1182px;bottom:488px;letter-spacing:-0.26px;display:inline;\">103.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t24_161\" style=\"left:654px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t25_161\" style=\"left:667px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t26_161\" style=\"left:1108px;bottom:449px;letter-spacing:-0.26px;display:inline;\">74.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t27_161\" style=\"left:1191px;bottom:449px;letter-spacing:-0.26px;display:inline;\">72.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t28_161\" style=\"left:667px;bottom:429px;letter-spacing:-0.26px;display:inline;\">Discontinued </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t29_161\" style=\"left:1108px;bottom:429px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2a_161\" style=\"left:1191px;bottom:429px;letter-spacing:-0.26px;display:inline;\">31.6 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00321": {
   "value": "<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t15_161\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t17_161\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t16_161\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t18_161\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t19_161\" style=\"left:654px;bottom:686px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Employee costs, including those of Directors: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1a_161\" style=\"left:668px;bottom:666px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Wages and salaries </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1b_161\" style=\"left:1108px;bottom:666px;letter-spacing:-0.26px;display:inline;\">51.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1c_161\" style=\"left:1191px;bottom:666px;letter-spacing:-0.26px;display:inline;\">52.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1d_161\" style=\"left:668px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Social security costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1e_161\" style=\"left:1116px;bottom:646px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1f_161\" style=\"left:1198px;bottom:646px;letter-spacing:-0.25px;display:inline;\">5.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1g_161\" style=\"left:668px;bottom:627px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Pension costs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1h_161\" style=\"left:1116px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1i_161\" style=\"left:1198px;bottom:627px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1j_161\" style=\"left:668px;bottom:607px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Share-based payment transactions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1k_161\" style=\"left:1116px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1l_161\" style=\"left:1198px;bottom:607px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1m_161\" style=\"left:654px;bottom:587px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Depreciation of property, plant and equipment (Note 21) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1n_161\" style=\"left:1116px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1o_161\" style=\"left:1198px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1p_161\" style=\"left:654px;bottom:567px;letter-spacing:-0.24px;display:inline;\">Depreciation of lease right-of-use assets (Note 22) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1q_161\" style=\"left:1116px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1r_161\" style=\"left:1198px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1s_161\" style=\"left:654px;bottom:548px;letter-spacing:-0.24px;display:inline;\">Amortisation of intangible assets (Note 23) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1t_161\" style=\"left:1116px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1u_161\" style=\"left:1198px;bottom:548px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t1v_161\" style=\"left:654px;bottom:528px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Operating lease rentals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1w_161\" style=\"left:1116px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1x_161\" style=\"left:1198px;bottom:528px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1y_161\" style=\"left:654px;bottom:508px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Other administrative expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t1z_161\" style=\"left:1108px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t20_161\" style=\"left:1191px;bottom:508px;letter-spacing:-0.26px;display:inline;\">37.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t21_161\" style=\"left:654px;bottom:488px;letter-spacing:-0.35px;word-spacing:0.1px;display:inline;\">Total operating expenses </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t22_161\" style=\"left:1100px;bottom:488px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_161\" id=\"t23_161\" style=\"left:1182px;bottom:488px;letter-spacing:-0.26px;display:inline;\">103.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t24_161\" style=\"left:654px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t25_161\" style=\"left:667px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t26_161\" style=\"left:1108px;bottom:449px;letter-spacing:-0.26px;display:inline;\">74.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t27_161\" style=\"left:1191px;bottom:449px;letter-spacing:-0.26px;display:inline;\">72.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t28_161\" style=\"left:667px;bottom:429px;letter-spacing:-0.26px;display:inline;\">Discontinued </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t29_161\" style=\"left:1108px;bottom:429px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2a_161\" style=\"left:1191px;bottom:429px;letter-spacing:-0.26px;display:inline;\">31.6 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00473": {
   "value": "<span>Post-retirement obligations accounting policy </span><div class=\"t s3_161\" id=\"t2c_161\" style=\"left:671px;bottom:366px;letter-spacing:-0.38px;display:inline;\">The Group contributes to defined contribution schemes for the benefit of certain employees. </div><div class=\"t s3_161\" id=\"t2d_161\" style=\"left:671px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The schemes are funded through payments to insurance companies or trustee-administered </div><div class=\"t s3_161\" id=\"t2e_161\" style=\"left:671px;bottom:334px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">funds at the contribution rates agreed with individual employees. The Group has no further </div><div class=\"t s4_161\" id=\"t2f_161\" style=\"left:671px;bottom:318px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">payment obligations once the contributions have been paid. The contributions are recognised </div><div class=\"t s3_161\" id=\"t2g_161\" style=\"left:671px;bottom:302px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">as an employee benefit expense when they are due. There are no post-retirement benefits </div><span>other than pensions.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00323": {
   "value": "<span>Remuneration of the Auditor and its associates, excluding VAT, was as follows: </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t2j_161\" style=\"left:1111px;bottom:226px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t2l_161\" style=\"left:1189px;bottom:226px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_161\" id=\"t2k_161\" style=\"left:1095px;bottom:213px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_161\" id=\"t2m_161\" style=\"left:1175px;bottom:213px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2n_161\" style=\"left:654px;bottom:192px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Fees payable to the Company\u2019s Auditor for the audit of the Company\u2019s </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2o_161\" style=\"left:654px;bottom:175px;letter-spacing:-0.25px;display:inline;\">annual accounts </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2p_161\" style=\"left:1120px;bottom:175px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2q_161\" style=\"left:1198px;bottom:175px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_161\" id=\"t2r_161\" style=\"left:654px;bottom:156px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Fees payable to the Company\u2019s Auditor for other services: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2s_161\" style=\"left:668px;bottom:136px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Other assurance services </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2t_161\" style=\"left:1120px;bottom:136px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_161\" id=\"t2u_161\" style=\"left:1198px;bottom:136px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_161\" id=\"t2v_161\" style=\"left:1120px;bottom:116px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_161\" id=\"t2w_161\" style=\"left:1198px;bottom:116px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr>\n                                        </table>\n<div class=\"t s4_161\" id=\"t2x_161\" style=\"left:654px;bottom:89px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Other assurance services related to the interim independent review report and profit certifications </div><span>(2024: interim independent review report and profit certification).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00324": {
   "value": "<span>7. Average number of employees </span><table>\n\t\n\t\t<tr>\n\t\t\t<td>                                            \u00a0</td>\n\t\t\t<td>                                        \u00a0</td>\n\t\t</tr>\n\t\n\t\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_162\" id=\"t2_162\" style=\"left:522px;bottom:720px;display:inline;\">2025 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s2_162\" id=\"t4_162\" style=\"left:600px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_162\" id=\"t3_162\" style=\"left:506px;bottom:706px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s2_162\" id=\"t5_162\" style=\"left:584px;bottom:706px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t6_162\" style=\"left:65px;bottom:686px;letter-spacing:-0.25px;display:inline;\">Directors </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"t7_162\" style=\"left:542px;bottom:686px;display:inline;\">2 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"t8_162\" style=\"left:620px;bottom:686px;display:inline;\">2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"t9_162\" style=\"left:65px;bottom:666px;letter-spacing:-0.26px;display:inline;\">Other senior management </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"ta_162\" style=\"left:534px;bottom:666px;letter-spacing:-0.28px;display:inline;\">26 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"tb_162\" style=\"left:612px;bottom:666px;letter-spacing:-0.28px;display:inline;\">23 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"tc_162\" style=\"left:65px;bottom:646px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Other employees </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"td_162\" style=\"left:526px;bottom:646px;letter-spacing:-0.28px;display:inline;\">832 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"te_162\" style=\"left:604px;bottom:646px;letter-spacing:-0.28px;display:inline;\">890 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_162\" id=\"tf_162\" style=\"left:526px;bottom:627px;letter-spacing:-0.28px;display:inline;\">860 </div></td>\n\t\t\t<td class=\"tcs-selected undefined\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_162\" id=\"tg_162\" style=\"left:604px;bottom:627px;letter-spacing:-0.28px;display:inline;\">915 </div></td>\n\t\t</tr>\n\t\n</table>\n",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00325": {
   "value": "<span>8. Exceptional items </span><table>\n\t\n\t\t<tr>\n\t\t\t<td>                                            \u00a0</td>\n\t\t\t<td>                                        \u00a0</td>\n\t\t</tr>\n\t\n\t\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_162\" id=\"ti_162\" style=\"left:522px;bottom:578px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_162\" id=\"tk_162\" style=\"left:600px;bottom:578px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_162\" id=\"tj_162\" style=\"left:506px;bottom:564px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_162\" id=\"tl_162\" style=\"left:586px;bottom:564px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tm_162\" style=\"left:65px;bottom:544px;letter-spacing:-0.26px;display:inline;\">Motor Finance commissions </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"tn_162\" style=\"left:78px;bottom:524px;letter-spacing:-0.26px;display:inline;\">Redress </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"to_162\" style=\"left:524px;bottom:524px;letter-spacing:-0.26px;display:inline;\">11.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tp_162\" style=\"left:609px;bottom:524px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"tq_162\" style=\"left:78px;bottom:505px;letter-spacing:-0.26px;display:inline;\">Cost </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tr_162\" style=\"left:531px;bottom:505px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"ts_162\" style=\"left:609px;bottom:505px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tt_162\" style=\"left:524px;bottom:485px;letter-spacing:-0.26px;display:inline;\">16.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tu_162\" style=\"left:609px;bottom:485px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tv_162\" style=\"left:65px;bottom:465px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">BiFD Vehicle Finance collections review </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"tw_162\" style=\"left:78px;bottom:445px;letter-spacing:-0.26px;display:inline;\">Redress </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"tx_162\" style=\"left:542px;bottom:445px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"ty_162\" style=\"left:609px;bottom:445px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"tz_162\" style=\"left:78px;bottom:426px;letter-spacing:-0.26px;display:inline;\">Cost </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t10_162\" style=\"left:531px;bottom:426px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t11_162\" style=\"left:609px;bottom:426px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t12_162\" style=\"left:531px;bottom:406px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t13_162\" style=\"left:609px;bottom:406px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t14_162\" style=\"left:65px;bottom:386px;letter-spacing:-0.28px;word-spacing:0.04px;display:inline;\">Exit from Vehicle Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t15_162\" style=\"left:531px;bottom:386px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t16_162\" style=\"left:620px;bottom:386px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t17_162\" style=\"left:65px;bottom:366px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Sale of Consumer Vehicle Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t18_162\" style=\"left:531px;bottom:366px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t19_162\" style=\"left:620px;bottom:366px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_162\" id=\"t1a_162\" style=\"left:65px;bottom:347px;letter-spacing:-0.25px;display:inline;\">Organisational redesign </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t1b_162\" style=\"left:542px;bottom:347px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_162\" id=\"t1c_162\" style=\"left:609px;bottom:347px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_162\" id=\"t1d_162\" style=\"left:65px;bottom:327px;letter-spacing:-0.36px;word-spacing:0.11px;display:inline;\">Total exceptional items </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_162\" id=\"t1e_162\" style=\"left:523px;bottom:327px;letter-spacing:-0.26px;display:inline;\">24.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_162\" id=\"t1f_162\" style=\"left:609px;bottom:327px;letter-spacing:-0.25px;display:inline;\">9.9 </div></td>\n\t\t</tr>\n\t\n</table>\n<div class=\"t s4_162\" id=\"t1g_162\" style=\"left:65px;bottom:300px;letter-spacing:-0.38px;display:inline;\">Costs associated with these activities are outside the normal course of business and are treated </div><div class=\"t s3_162\" id=\"t1h_162\" style=\"left:65px;bottom:284px;letter-spacing:-0.45px;word-spacing:0.14px;display:inline;\">as exceptional. </div><div class=\"t s6_162\" id=\"t1i_162\" style=\"left:65px;bottom:259px;letter-spacing:-0.17px;display:inline;\">Motor Finance commissions </div><div class=\"t s3_162\" id=\"t1j_162\" style=\"left:65px;bottom:239px;letter-spacing:-0.38px;display:inline;\">During 2025, the Group updated its range of probability weighted scenarios resulting in estimated </div><div class=\"t s3_162\" id=\"t1k_162\" style=\"left:65px;bottom:223px;letter-spacing:-0.38px;display:inline;\">costs of \u00a316.4 million (2024: \u00a36.9 million, of which \u00a36.4 million was recognised as a provision) </div><div class=\"t s3_162\" id=\"t1l_162\" style=\"left:65px;bottom:207px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">following the release of the FCA\u2019s consultation paper in October 2025. Further details about the </div><div class=\"t s4_162\" id=\"t1m_162\" style=\"left:65px;bottom:191px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">provision can be found in Note 31. </div><div class=\"t s6_162\" id=\"t1n_162\" style=\"left:654px;bottom:738px;letter-spacing:-0.21px;word-spacing:0.02px;display:inline;\">Borrowers in Financial Difficulty (\u2018BiFD\u2019) Vehicle Finance collections review </div><div class=\"t s3_162\" id=\"t1o_162\" style=\"left:654px;bottom:719px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">As previously described, following the FCA\u2019s review of BiFD across the industry and, in response to </div><div class=\"t s4_162\" id=\"t1p_162\" style=\"left:654px;bottom:703px;letter-spacing:-0.38px;display:inline;\">the specific feedback we received on our own collections activities, we incurred costs relating to </div><div class=\"t s3_162\" id=\"t1q_162\" style=\"left:654px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">implementing enhanced processes, procedures and policies in our Vehicle Finance collections </div><div class=\"t s3_162\" id=\"t1r_162\" style=\"left:654px;bottom:670px;letter-spacing:-0.38px;display:inline;\">operations of \u00a32.1 million (2024: \u00a31.5 million). This work has now been completed. </div><div class=\"t s6_162\" id=\"t1s_162\" style=\"left:654px;bottom:646px;letter-spacing:-0.22px;word-spacing:0.03px;display:inline;\">Exit from Vehicle Finance business </div><div class=\"t s3_162\" id=\"t1t_162\" style=\"left:654px;bottom:626px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In July 2025, the Group announced the decision to cease lending in the Vehicle Finance business. </div><div class=\"t s3_162\" id=\"t1u_162\" style=\"left:654px;bottom:610px;letter-spacing:-0.38px;display:inline;\">Exceptional costs arising in relation to this decision include redundancy costs, write down of the </div><div class=\"t s4_162\" id=\"t1v_162\" style=\"left:654px;bottom:594px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">value of Cloud software development costs and costs in respect of onerous contracts. </div><div class=\"t s6_162\" id=\"t1w_162\" style=\"left:654px;bottom:569px;letter-spacing:-0.21px;word-spacing:0.03px;display:inline;\">Sale of Consumer Vehicle Finance business </div><div class=\"t s3_162\" id=\"t1x_162\" style=\"left:654px;bottom:549px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In respect of the sale of the Consumer Vehicle Finance business announced in December 2025, </div><div class=\"t s4_162\" id=\"t1y_162\" style=\"left:654px;bottom:533px;letter-spacing:-0.38px;display:inline;\">\u00a30.6 million of transaction costs were recognised, with the remainder of costs to be recognised </div><div class=\"t s4_162\" id=\"t1z_162\" style=\"left:654px;bottom:517px;letter-spacing:-0.37px;display:inline;\">in 2026. </div><div class=\"t s6_162\" id=\"t20_162\" style=\"left:654px;bottom:493px;letter-spacing:-0.18px;display:inline;\">Organisational redesign </div><div class=\"t s3_162\" id=\"t21_162\" style=\"left:654px;bottom:473px;letter-spacing:-0.38px;display:inline;\">During 2024, the Group undertook an organisational redesign where product-specific teams were </div><div class=\"t s3_162\" id=\"t22_162\" style=\"left:654px;bottom:457px;letter-spacing:-0.38px;display:inline;\">amalgamated under a single management structure resulting in the Group incurring redundancy </div><div class=\"t s4_162\" id=\"t23_162\" style=\"left:654px;bottom:441px;letter-spacing:-0.37px;display:inline;\">costs of \u00a31.5 million. </div><div class=\"t s6_162\" id=\"t24_162\" style=\"left:654px;bottom:416px;letter-spacing:-0.21px;word-spacing:0.04px;display:inline;\">Income tax on exceptional items </div><div class=\"t s3_162\" id=\"t25_162\" style=\"left:654px;bottom:396px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Income tax on exceptional items amount to \u00a32.9 million credit (2024: \u00a31.0 million credit). </div><div class=\"t s7_162\" id=\"t26_162\" style=\"left:671px;bottom:359px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Exceptional items accounting policy </span></div><div class=\"t s3_162\" id=\"t27_162\" style=\"left:671px;bottom:338px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Exceptional items are expenses that do not relate to the Group\u2019s core activities, which are </div><span>material in the context of the Group\u2019s performance. </span>",
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    "concept": "stb:DisclosureOfExceptionalItemsExplanatoryTextBlock",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00474": {
   "value": "<span>Exceptional items accounting policy </span><div class=\"t s3_162\" id=\"t27_162\" style=\"left:671px;bottom:338px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Exceptional items are expenses that do not relate to the Group\u2019s core activities, which are </div><span>material in the context of the Group\u2019s performance. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExceptionalItemsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00326": {
   "value": "<span>9. Income tax expense </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_163\" id=\"t4_163\" style=\"left:522px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_163\" id=\"t6_163\" style=\"left:600px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_163\" id=\"t5_163\" style=\"left:506px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_163\" id=\"t7_163\" style=\"left:586px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t8_163\" style=\"left:65px;bottom:686px;letter-spacing:-0.25px;display:inline;\">Current taxation </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t9_163\" style=\"left:65px;bottom:666px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Corporation tax charge \u2013 current year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"ta_163\" style=\"left:531px;bottom:666px;letter-spacing:-0.25px;display:inline;\">9.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tb_163\" style=\"left:609px;bottom:666px;letter-spacing:-0.25px;display:inline;\">8.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tc_163\" style=\"left:65px;bottom:646px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Corporation tax charge \u2013 adjustments in respect of prior years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"td_163\" style=\"left:531px;bottom:646px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"te_163\" style=\"left:609px;bottom:646px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tf_163\" style=\"left:531px;bottom:627px;letter-spacing:-0.25px;display:inline;\">9.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tg_163\" style=\"left:609px;bottom:627px;letter-spacing:-0.25px;display:inline;\">8.7 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"th_163\" style=\"left:65px;bottom:607px;letter-spacing:-0.25px;display:inline;\">Deferred taxation </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"ti_163\" style=\"left:65px;bottom:587px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Deferred tax charge \u2013 current year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tj_163\" style=\"left:531px;bottom:587px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tk_163\" style=\"left:609px;bottom:587px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tl_163\" style=\"left:65px;bottom:567px;letter-spacing:-0.25px;display:inline;\">Deferred tax credit \u2013 adjustments in respect of prior years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tm_163\" style=\"left:527px;bottom:567px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tn_163\" style=\"left:605px;bottom:567px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"to_163\" style=\"left:531px;bottom:548px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tp_163\" style=\"left:609px;bottom:548px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"tq_163\" style=\"left:65px;bottom:528px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Income tax expense </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"tr_163\" style=\"left:531px;bottom:528px;letter-spacing:-0.25px;display:inline;\">9.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"ts_163\" style=\"left:609px;bottom:528px;letter-spacing:-0.25px;display:inline;\">9.5 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tt_163\" style=\"left:65px;bottom:508px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_163\" id=\"tu_163\" style=\"left:78px;bottom:488px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tv_163\" style=\"left:524px;bottom:488px;letter-spacing:-0.26px;display:inline;\">14.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tw_163\" style=\"left:602px;bottom:488px;letter-spacing:-0.26px;display:inline;\">16.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tx_163\" style=\"left:78px;bottom:469px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"ty_163\" style=\"left:527px;bottom:469px;letter-spacing:-0.23px;display:inline;\">(4.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"tz_163\" style=\"left:605px;bottom:469px;letter-spacing:-0.23px;display:inline;\">(6.5) </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t10_163\" style=\"left:65px;bottom:429px;letter-spacing:-0.35px;word-spacing:0.11px;display:inline;\">Tax reconciliation </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t11_163\" style=\"left:65px;bottom:410px;letter-spacing:-0.24px;display:inline;\">Profit before tax </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t12_163\" style=\"left:524px;bottom:410px;letter-spacing:-0.26px;display:inline;\">27.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t13_163\" style=\"left:602px;bottom:410px;letter-spacing:-0.26px;display:inline;\">29.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t14_163\" style=\"left:65px;bottom:390px;letter-spacing:-0.33px;word-spacing:0.08px;display:inline;\">Tax at 25.0% (2024: 25.0%) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t15_163\" style=\"left:531px;bottom:390px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t16_163\" style=\"left:609px;bottom:390px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t17_163\" style=\"left:65px;bottom:370px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Permanent differences on exceptional items </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t18_163\" style=\"left:531px;bottom:370px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t19_163\" style=\"left:609px;bottom:370px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_163\" id=\"t1a_163\" style=\"left:65px;bottom:350px;letter-spacing:-0.25px;display:inline;\">Other permanent differences </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1b_163\" style=\"left:531px;bottom:350px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1c_163\" style=\"left:609px;bottom:350px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1d_163\" style=\"left:65px;bottom:331px;letter-spacing:-0.25px;display:inline;\">Rate change on deferred tax assets </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1e_163\" style=\"left:542px;bottom:331px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1f_163\" style=\"left:609px;bottom:331px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1g_163\" style=\"left:65px;bottom:311px;letter-spacing:-0.25px;display:inline;\">Other adjustments including prior year adjustments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1h_163\" style=\"left:527px;bottom:311px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1i_163\" style=\"left:609px;bottom:311px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t1j_163\" style=\"left:65px;bottom:291px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Income tax expense for the year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t1k_163\" style=\"left:531px;bottom:291px;letter-spacing:-0.25px;display:inline;\">9.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t1l_163\" style=\"left:609px;bottom:291px;letter-spacing:-0.25px;display:inline;\">9.5 </div></td></tr>\n                                        </table>\n<div class=\"t s6_163\" id=\"t1m_163\" style=\"left:65px;bottom:264px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The tax has been calculated at the current statutory rate, which is 25.0% for the year ended </div><div class=\"t s6_163\" id=\"t1n_163\" style=\"left:65px;bottom:248px;letter-spacing:-0.39px;display:inline;\">31 December 2025 (2024: 25.0%). </div><div class=\"t s8_163\" id=\"t1o_163\" style=\"left:82px;bottom:210px;letter-spacing:-0.39px;display:inline;\"><span>Income tax accounting policy </span></div><div class=\"t s6_163\" id=\"t1p_163\" style=\"left:82px;bottom:190px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Current income tax, which is payable on taxable profits, is recognised as an expense in the </div><div class=\"t s7_163\" id=\"t1q_163\" style=\"left:82px;bottom:174px;letter-spacing:-0.37px;display:inline;\">period in which the profits arise. </div><div class=\"t s6_163\" id=\"t1r_163\" style=\"left:82px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Deferred tax is provided in full on temporary differences arising between the tax bases of </div><div class=\"t s7_163\" id=\"t1s_163\" style=\"left:82px;bottom:135px;letter-spacing:-0.37px;display:inline;\">assets and liabilities and their carrying amounts in the consolidated financial statements. </div><div class=\"t s6_163\" id=\"t1t_163\" style=\"left:82px;bottom:119px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Deferred tax is determined using tax rates and laws that have been enacted or substantially </div><div class=\"t s6_163\" id=\"t1u_163\" style=\"left:82px;bottom:103px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">enacted by the statement of financial position date and are expected to apply when the </div><div class=\"t s6_163\" id=\"t1v_163\" style=\"left:82px;bottom:87px;letter-spacing:-0.37px;display:inline;\">related deferred tax asset is realised or the deferred tax liability is settled. </div><span>The Group is currently outside the scope of Pillar 2 (for tax purposes).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00475": {
   "value": "<span>Income tax accounting policy </span><div class=\"t s6_163\" id=\"t1p_163\" style=\"left:82px;bottom:190px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Current income tax, which is payable on taxable profits, is recognised as an expense in the </div><div class=\"t s7_163\" id=\"t1q_163\" style=\"left:82px;bottom:174px;letter-spacing:-0.37px;display:inline;\">period in which the profits arise. </div><div class=\"t s6_163\" id=\"t1r_163\" style=\"left:82px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Deferred tax is provided in full on temporary differences arising between the tax bases of </div><div class=\"t s7_163\" id=\"t1s_163\" style=\"left:82px;bottom:135px;letter-spacing:-0.37px;display:inline;\">assets and liabilities and their carrying amounts in the consolidated financial statements. </div><div class=\"t s6_163\" id=\"t1t_163\" style=\"left:82px;bottom:119px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Deferred tax is determined using tax rates and laws that have been enacted or substantially </div><div class=\"t s6_163\" id=\"t1u_163\" style=\"left:82px;bottom:103px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">enacted by the statement of financial position date and are expected to apply when the </div><div class=\"t s6_163\" id=\"t1v_163\" style=\"left:82px;bottom:87px;letter-spacing:-0.37px;display:inline;\">related deferred tax asset is realised or the deferred tax liability is settled. </div><span>The Group is currently outside the scope of Pillar 2 (for tax purposes).</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00327": {
   "value": "<span>10. Discontinued operations </span><div class=\"t s6_163\" id=\"t1y_163\" style=\"left:654px;bottom:717px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">On 24 December 2025, the Group announced the sale of the Consumer Vehicle Finance business, </div><div class=\"t s6_163\" id=\"t1z_163\" style=\"left:654px;bottom:701px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which represents the majority of the Vehicle Finance business. This meets the criteria, under IFRS 5 </div><div class=\"t s6_163\" id=\"t20_163\" style=\"left:654px;bottom:685px;letter-spacing:-0.38px;display:inline;\">Non-current Assets held for sale and discontinued operations, to be classified as held for sale and </div><div class=\"t s7_163\" id=\"t21_163\" style=\"left:654px;bottom:669px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">disclosed as a discontinued operation. The consolidated statement of comprehensive income on </div><div class=\"t s7_163\" id=\"t22_163\" style=\"left:654px;bottom:653px;letter-spacing:-0.39px;display:inline;\">page 146 and Note 3 Operating segments presents the information required to be disclosed under </div><div class=\"t s6_163\" id=\"t23_163\" style=\"left:654px;bottom:637px;letter-spacing:-0.38px;display:inline;\">IFRS 5 including: </div><div class=\"t s6_163\" id=\"t24_163\" style=\"left:654px;bottom:615px;letter-spacing:-0.32px;display:inline;\">(i) </div><div class=\"t s6_163\" id=\"t25_163\" style=\"left:676px;bottom:615px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the post-tax profit or loss of discontinued operations; </div><div class=\"t s6_163\" id=\"t26_163\" style=\"left:654px;bottom:592px;letter-spacing:-0.33px;display:inline;\">(ii) </div><div class=\"t s6_163\" id=\"t27_163\" style=\"left:676px;bottom:592px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">the revenue, expenses and pre-tax profit or loss of discontinued operations; and </div><div class=\"t s6_163\" id=\"t28_163\" style=\"left:654px;bottom:570px;letter-spacing:-0.39px;word-spacing:0.38px;display:inline;\">(iii) the related income tax expense. </div><div class=\"t s6_163\" id=\"t29_163\" style=\"left:654px;bottom:547px;letter-spacing:-0.38px;display:inline;\">As at 31 December 2025, a net cash inflow from operating activities of \u00a345.8 million in relation </div><div class=\"t s6_163\" id=\"t2a_163\" style=\"left:654px;bottom:531px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">to the sale of the Consumer Vehicle Finance business was attributed to discontinued operations. </div><div class=\"t s6_163\" id=\"t2b_163\" style=\"left:654px;bottom:508px;letter-spacing:-0.37px;display:inline;\">IFRS 5 measurement requires that assets that meet the criteria to be classified as held for sale are </div><div class=\"t s7_163\" id=\"t2c_163\" style=\"left:654px;bottom:492px;letter-spacing:-0.37px;display:inline;\">measured at the lower of carrying amount and fair value less costs to sell. This results in no change </div><span>to the year-end valuation at 31 December 2025 as the purchase price exceeded the carrying value.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00328": {
   "value": "<span>11. Earnings per ordinary share </span><div class=\"t s9_163\" id=\"t2f_163\" style=\"left:654px;bottom:428px;letter-spacing:-0.19px;display:inline;\">11.1. Basic </div><div class=\"t s7_163\" id=\"t2g_163\" style=\"left:654px;bottom:408px;letter-spacing:-0.38px;display:inline;\">Basic earnings per ordinary share are calculated by dividing the profit attributable to equity holders </div><div class=\"t s6_163\" id=\"t2h_163\" style=\"left:654px;bottom:392px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of the parent by the weighted average number of ordinary shares as follows: </div><table>\n                                            <tr><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_163\" id=\"t2i_163\" style=\"left:1102px;bottom:372px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_163\" id=\"t2j_163\" style=\"left:1189px;bottom:372px;display:inline;\">2024 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t2k_163\" style=\"left:654px;bottom:352px;letter-spacing:-0.24px;display:inline;\">Profit attributable to equity holders of the parent (\u00a3million) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t2l_163\" style=\"left:1104px;bottom:352px;letter-spacing:-0.26px;display:inline;\">17.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t2m_163\" style=\"left:1191px;bottom:352px;letter-spacing:-0.26px;display:inline;\">19.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t2n_163\" style=\"left:654px;bottom:332px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Weighted average number of ordinary shares (number) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t2o_163\" style=\"left:1062px;bottom:332px;letter-spacing:-0.26px;display:inline;\">18,678,740 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t2p_163\" style=\"left:1149px;bottom:332px;letter-spacing:-0.26px;display:inline;\">19,057,161 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t2q_163\" style=\"left:654px;bottom:313px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Earnings per share (pence) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t2r_163\" style=\"left:1104px;bottom:313px;letter-spacing:-0.26px;display:inline;\">94.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t2s_163\" style=\"left:1182px;bottom:313px;letter-spacing:-0.26px;display:inline;\">103.4 </div></td></tr>\n                                        </table>\n<div class=\"t s9_163\" id=\"t2t_163\" style=\"left:654px;bottom:283px;letter-spacing:-0.19px;display:inline;\">11.2. Diluted </div><div class=\"t s6_163\" id=\"t2u_163\" style=\"left:654px;bottom:263px;letter-spacing:-0.38px;display:inline;\">Diluted earnings per ordinary share are calculated by dividing the profit attributable to equity </div><div class=\"t s7_163\" id=\"t2v_163\" style=\"left:654px;bottom:247px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">holders of the parent by the weighted average number of ordinary shares in issue during the year, </div><div class=\"t s6_163\" id=\"t2w_163\" style=\"left:654px;bottom:231px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">as noted above, as well as the number of dilutive share options in issue during the year, as follows: </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_163\" id=\"t2x_163\" style=\"left:1102px;bottom:211px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_163\" id=\"t2y_163\" style=\"left:1189px;bottom:211px;display:inline;\">2024 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_163\" id=\"t2z_163\" style=\"left:654px;bottom:191px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Weighted average number of ordinary shares </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t30_163\" style=\"left:1062px;bottom:191px;letter-spacing:-0.26px;display:inline;\">18,678,740 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t31_163\" style=\"left:1149px;bottom:191px;letter-spacing:-0.26px;display:inline;\">19,057,161 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t32_163\" style=\"left:654px;bottom:171px;letter-spacing:-0.25px;display:inline;\">Number of dilutive shares in issue at the period-end </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t33_163\" style=\"left:1070px;bottom:171px;letter-spacing:-0.26px;display:inline;\">1,089,891 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t34_163\" style=\"left:1167px;bottom:171px;letter-spacing:-0.27px;display:inline;\">363,751 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t35_163\" style=\"left:654px;bottom:151px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Fully diluted weighted average number of ordinary shares </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t36_163\" style=\"left:1062px;bottom:151px;letter-spacing:-0.26px;display:inline;\">19,768,631 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t37_163\" style=\"left:1148px;bottom:151px;letter-spacing:-0.26px;display:inline;\">19,420,912 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t38_163\" style=\"left:654px;bottom:132px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Dilutive shares being based on: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t39_163\" style=\"left:654px;bottom:112px;letter-spacing:-0.25px;display:inline;\">Number of options outstanding at the period-end </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3a_163\" style=\"left:1070px;bottom:112px;letter-spacing:-0.26px;display:inline;\">1,688,791 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3b_163\" style=\"left:1156px;bottom:112px;letter-spacing:-0.26px;display:inline;\">1,395,045 </div></td></tr><tr><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3c_163\" style=\"left:654px;bottom:92px;letter-spacing:-0.3px;word-spacing:0.06px;display:inline;\">Weighted average exercise price (pence) </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3d_163\" style=\"left:1107px;bottom:92px;letter-spacing:-0.28px;display:inline;\">162 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3e_163\" style=\"left:1193px;bottom:92px;letter-spacing:-0.28px;display:inline;\">215 </div></td></tr><tr><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3f_163\" style=\"left:654px;bottom:72px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Average share price during the period (pence) </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3g_163\" style=\"left:1107px;bottom:72px;letter-spacing:-0.28px;display:inline;\">804 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_163\" id=\"t3h_163\" style=\"left:1193px;bottom:72px;letter-spacing:-0.28px;display:inline;\">525 </div></td></tr><tr><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t3i_163\" style=\"left:654px;bottom:53px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Diluted earnings per share (pence) </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t3j_163\" style=\"left:1104px;bottom:53px;letter-spacing:-0.26px;display:inline;\">89.0 </div></td><td class=\"tcs-selected cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_163\" id=\"t3k_163\" style=\"left:1182px;bottom:53px;letter-spacing:-0.26px;display:inline;\">101.4 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00329": {
   "value": "<span>12. Dividends </span><table><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t5_164\" style=\"left:525px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t7_164\" style=\"left:600px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t4_164\" style=\"left:455px;bottom:706px;letter-spacing:-0.12px;display:inline;\">Paid </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t6_164\" style=\"left:509px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t8_164\" style=\"left:586px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t9_164\" style=\"left:65px;bottom:686px;letter-spacing:-0.25px;display:inline;\">2025 interim dividend \u2013 11.8 pence per share </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"ta_164\" style=\"left:432px;bottom:686px;letter-spacing:-0.27px;display:inline;\">Sep\u221225 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tb_164\" style=\"left:534px;bottom:686px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tc_164\" style=\"left:620px;bottom:686px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_164\" id=\"td_164\" style=\"left:65px;bottom:666px;letter-spacing:-0.24px;display:inline;\">2024 final dividend \u2013 22.5 pence per share </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"te_164\" style=\"left:428px;bottom:666px;letter-spacing:-0.33px;display:inline;\">May\u221225 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tf_164\" style=\"left:534px;bottom:666px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tg_164\" style=\"left:620px;bottom:666px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_164\" id=\"th_164\" style=\"left:65px;bottom:646px;letter-spacing:-0.25px;display:inline;\">2024 interim dividend \u2013 11.3 pence per share </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"ti_164\" style=\"left:432px;bottom:646px;letter-spacing:-0.27px;display:inline;\">Sep\u221224 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tj_164\" style=\"left:545px;bottom:646px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tk_164\" style=\"left:609px;bottom:646px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_164\" id=\"tl_164\" style=\"left:65px;bottom:627px;letter-spacing:-0.24px;display:inline;\">2023 final dividend \u2013 16.2 pence per share </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tm_164\" style=\"left:428px;bottom:627px;letter-spacing:-0.33px;display:inline;\">May\u221224 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"tn_164\" style=\"left:545px;bottom:627px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"to_164\" style=\"left:609px;bottom:627px;letter-spacing:-0.25px;display:inline;\">3.1 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"tp_164\" style=\"left:534px;bottom:607px;letter-spacing:-0.25px;display:inline;\">6.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"tq_164\" style=\"left:609px;bottom:607px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td></tr></table>\n<div class=\"t s5_164\" id=\"tr_164\" style=\"left:65px;bottom:579px;letter-spacing:-0.38px;display:inline;\">The Directors recommend the payment of a final dividend of 23.7 pence per share </div><div class=\"t s5_164\" id=\"ts_164\" style=\"left:65px;bottom:563px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(2024: 22.5 pence per share). The final dividend, if approved by members at the Annual </div><div class=\"t s5_164\" id=\"tt_164\" style=\"left:65px;bottom:547px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">General Meeting, will be paid on 21 May 2026, with an associated record date of 24 April 2026. </div><div class=\"t s5_164\" id=\"tu_164\" style=\"left:65px;bottom:525px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Employee Benefit Trust (\u2018EBT\u2019) has waived its right to receive future dividends on shares held in </div><div class=\"t s5_164\" id=\"tv_164\" style=\"left:65px;bottom:509px;letter-spacing:-0.38px;display:inline;\">the trust. Dividends waived on shares held in the EBT in 2025 were \u00a30.1 million (2024: \u00a30.1 million). </div><div class=\"t s8_164\" id=\"tw_164\" style=\"left:82px;bottom:471px;letter-spacing:-0.39px;display:inline;\"><span>Dividends accounting policy </span></div><div class=\"t s5_164\" id=\"tx_164\" style=\"left:82px;bottom:451px;letter-spacing:-0.38px;display:inline;\">Final dividends on ordinary shares are recognised in equity in the period in which they are </div><div class=\"t s5_164\" id=\"ty_164\" style=\"left:82px;bottom:435px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">approved by shareholders. Interim dividends on ordinary shares are recognised in equity in </div><span>the period in which they are paid.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00330": {
   "value": "0.118",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-09-01T00:00:00/2025-10-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00331": {
   "value": "0.225",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-05-01T00:00:00/2025-06-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00332": {
   "value": "0.113",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-09-01T00:00:00/2024-10-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00333": {
   "value": "0.162",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-05-01T00:00:00/2024-06-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00334": {
   "value": "6400000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00335": {
   "value": "5200000.0",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersOfParent",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00336": {
   "value": "0.237",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00337": {
   "value": "0.225",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00480": {
   "value": "<span>Dividends accounting policy </span><div class=\"t s5_164\" id=\"tx_164\" style=\"left:82px;bottom:451px;letter-spacing:-0.38px;display:inline;\">Final dividends on ordinary shares are recognised in equity in the period in which they are </div><div class=\"t s5_164\" id=\"ty_164\" style=\"left:82px;bottom:435px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">approved by shareholders. Interim dividends on ordinary shares are recognised in equity in </div><span>the period in which they are paid.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00339": {
   "value": "<span>13. Loans and advances to banks </span><div class=\"t s5_164\" id=\"t11_164\" style=\"left:65px;bottom:355px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Moody\u2019s long-term ratings are as follows: </div><table><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t12_164\" style=\"left:360px;bottom:335px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_164\" id=\"t15_164\" style=\"left:438px;bottom:335px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t18_164\" style=\"left:499px;bottom:335px;letter-spacing:-0.02px;display:inline;\">Company </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t1b_164\" style=\"left:578px;bottom:335px;letter-spacing:-0.04px;display:inline;\">Company </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t13_164\" style=\"left:366px;bottom:322px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t16_164\" style=\"left:444px;bottom:322px;letter-spacing:-0.02px;display:inline;\">2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t19_164\" style=\"left:522px;bottom:322px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t1c_164\" style=\"left:600px;bottom:322px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t14_164\" style=\"left:350px;bottom:308px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t17_164\" style=\"left:430px;bottom:308px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t1a_164\" style=\"left:506px;bottom:308px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t1d_164\" style=\"left:586px;bottom:308px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1e_164\" style=\"left:65px;bottom:287px;letter-spacing:-0.25px;display:inline;\">Aaa - Aa3 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1f_164\" style=\"left:376px;bottom:287px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1g_164\" style=\"left:464px;bottom:287px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1h_164\" style=\"left:531px;bottom:287px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1i_164\" style=\"left:620px;bottom:287px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_164\" id=\"t1j_164\" style=\"left:65px;bottom:268px;letter-spacing:-0.29px;display:inline;\">A1 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1k_164\" style=\"left:368px;bottom:268px;letter-spacing:-0.26px;display:inline;\">31.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1l_164\" style=\"left:446px;bottom:268px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1m_164\" style=\"left:524px;bottom:268px;letter-spacing:-0.26px;display:inline;\">31.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t1n_164\" style=\"left:602px;bottom:268px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t1o_164\" style=\"left:367px;bottom:248px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t1p_164\" style=\"left:445px;bottom:248px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t1q_164\" style=\"left:523px;bottom:248px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t1r_164\" style=\"left:601px;bottom:248px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td></tr></table>\n<div class=\"t s6_164\" id=\"t1s_164\" style=\"left:65px;bottom:221px;letter-spacing:-0.38px;display:inline;\">None of the loans and advances to banks are either past due or impaired. </div><div class=\"t s5_164\" id=\"t1t_164\" style=\"left:65px;bottom:198px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loans and advances to banks includes \u00a35.1 million (2024: \u00a3nil), which the Group and Company does </div><div class=\"t s5_164\" id=\"t1u_164\" style=\"left:65px;bottom:182px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">not have access to, and are therefore excluded from cash and cash equivalents. See Note 37.1 for a </div><span>reconciliation to cash and cash equivalents.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00340": {
   "value": "<span>14. Debt securities </span><div class=\"t sa_164\" id=\"t1x_164\" style=\"left:654px;bottom:715px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s5_164\" id=\"t1y_164\" style=\"left:654px;bottom:695px;letter-spacing:-0.38px;display:inline;\">Debt securities consisted solely of sterling UK Government securities (\u2018gilts\u2019). The Group holds gilts </div><div class=\"t s5_164\" id=\"t1z_164\" style=\"left:654px;bottom:679px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">from time to time for liquidity risk management purposes. The Group\u2019s intention is to hold the asset </div><div class=\"t s6_164\" id=\"t20_164\" style=\"left:654px;bottom:663px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to collect its contractual cash flows of principal and interest and, therefore, they are stated in the </div><div class=\"t s5_164\" id=\"t21_164\" style=\"left:654px;bottom:647px;letter-spacing:-0.38px;display:inline;\">statement of financial position at amortised cost. During 2025, the Group transacted \u00a31.0 million </div><span>of gilts (2024: \u00a3nil).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00341": {
   "value": "<span>15. Loans and advances to customers </span><div class=\"t sa_164\" id=\"t24_164\" style=\"left:654px;bottom:583px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div><table><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t26_164\" style=\"left:990px;bottom:566px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">Loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t27_164\" style=\"left:980px;bottom:552px;letter-spacing:-0.02px;display:inline;\">advances to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2a_164\" style=\"left:1069px;bottom:552px;letter-spacing:-0.02px;display:inline;\">Assets held </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t28_164\" style=\"left:988px;bottom:538px;letter-spacing:-0.01px;display:inline;\">customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2b_164\" style=\"left:1091px;bottom:538px;letter-spacing:-0.03px;display:inline;\">for sale </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2d_164\" style=\"left:1190px;bottom:538px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t25_164\" style=\"left:654px;bottom:525px;letter-spacing:-0.01px;display:inline;\">31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t29_164\" style=\"left:1000px;bottom:525px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2c_164\" style=\"left:1087px;bottom:525px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2e_164\" style=\"left:1173px;bottom:525px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2f_164\" style=\"left:654px;bottom:504px;letter-spacing:-0.25px;display:inline;\">Gross loans and advances </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2g_164\" style=\"left:999px;bottom:504px;letter-spacing:-0.25px;display:inline;\">3,341.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2h_164\" style=\"left:1096px;bottom:504px;letter-spacing:-0.26px;display:inline;\">434.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2i_164\" style=\"left:1172px;bottom:504px;letter-spacing:-0.25px;display:inline;\">3,776.1 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2j_164\" style=\"left:654px;bottom:485px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Less: allowances for impairment of loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2k_164\" style=\"left:654px;bottom:468px;letter-spacing:-0.25px;display:inline;\">advances (Note 17) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2l_164\" style=\"left:1013px;bottom:468px;letter-spacing:-0.24px;display:inline;\">(45.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2m_164\" style=\"left:1100px;bottom:468px;letter-spacing:-0.24px;display:inline;\">(44.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2n_164\" style=\"left:1186px;bottom:468px;letter-spacing:-0.24px;display:inline;\">(89.5) </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t2o_164\" style=\"left:998px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t2p_164\" style=\"left:1096px;bottom:448px;letter-spacing:-0.26px;display:inline;\">390.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t2q_164\" style=\"left:1172px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,686.6 </div></td></tr></table><table><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2s_164\" style=\"left:991px;bottom:417px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">Loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2t_164\" style=\"left:982px;bottom:403px;letter-spacing:-0.03px;display:inline;\">advances to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2w_164\" style=\"left:1071px;bottom:403px;letter-spacing:-0.03px;display:inline;\">Assets held </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2u_164\" style=\"left:989px;bottom:390px;letter-spacing:-0.02px;display:inline;\">customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2x_164\" style=\"left:1092px;bottom:390px;letter-spacing:-0.04px;display:inline;\">for sale </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2z_164\" style=\"left:1191px;bottom:390px;letter-spacing:-0.36px;display:inline;\">Total </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_164\" id=\"t2r_164\" style=\"left:654px;bottom:376px;letter-spacing:-0.01px;display:inline;\">31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2v_164\" style=\"left:1001px;bottom:376px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2y_164\" style=\"left:1088px;bottom:376px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t30_164\" style=\"left:1175px;bottom:376px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_164\" id=\"t31_164\" style=\"left:654px;bottom:355px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">Gross loans and advances </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t32_164\" style=\"left:999px;bottom:355px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t33_164\" style=\"left:1123px;bottom:355px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t34_164\" style=\"left:1172px;bottom:355px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_164\" id=\"t35_164\" style=\"left:654px;bottom:336px;letter-spacing:-0.08px;word-spacing:-0.03px;display:inline;\">Less: allowances for impairment of loans and </div></td><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_164\" id=\"t36_164\" style=\"left:654px;bottom:320px;letter-spacing:-0.09px;word-spacing:-0.03px;display:inline;\">advances (Note 17) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t37_164\" style=\"left:1005px;bottom:320px;letter-spacing:-0.25px;display:inline;\">(111.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t38_164\" style=\"left:1123px;bottom:320px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t39_164\" style=\"left:1179px;bottom:320px;letter-spacing:-0.25px;display:inline;\">(111.8) </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t3a_164\" style=\"left:998px;bottom:300px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t3b_164\" style=\"left:1122px;bottom:300px;display:inline;\">\u2013 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t3c_164\" style=\"left:1172px;bottom:300px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td></tr></table>\n<div class=\"t s6_164\" id=\"t3d_164\" style=\"left:654px;bottom:279px;letter-spacing:-0.38px;display:inline;\">The fair value of loans and advances to customers is shown in Note 43. Loans and advances to </div><div class=\"t s5_164\" id=\"t3e_164\" style=\"left:654px;bottom:262px;letter-spacing:-0.38px;display:inline;\">customers includes finance lease receivables of \u00a3411.5 million (2024: \u00a3548.4 million). See Note 16 </div><div class=\"t s6_164\" id=\"t3f_164\" style=\"left:654px;bottom:246px;letter-spacing:-0.37px;display:inline;\">for further details. </div><div class=\"t s5_164\" id=\"t3g_164\" style=\"left:654px;bottom:224px;letter-spacing:-0.38px;display:inline;\">Retail Finance assets of \u00a31,023.8 million (2024: \u00a31,088.2 million) were pre-positioned for use under </div><div class=\"t s5_164\" id=\"t3h_164\" style=\"left:654px;bottom:208px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">sale and repurchase agreements (2024: Sale and repurchase agreements and Term Funding Scheme </div><div class=\"t s5_164\" id=\"t3i_164\" style=\"left:654px;bottom:192px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">with additional incentives for SMEs) and are available for use as collateral. </div><div></div><div class=\"t s4_165\" id=\"t5_165\" style=\"left:65px;bottom:717px;letter-spacing:-0.38px;display:inline;\"><span>The Real Estate Finance loan book of \u00a31,466.9 million (2024: \u00a31,341.4 million) is secured upon real </span></div><div class=\"t s4_165\" id=\"t6_165\" style=\"left:65px;bottom:701px;letter-spacing:-0.38px;display:inline;\">estate, which had a loan-to-value of 57% at 31 December 2025 (2024: 56%). </div><div class=\"t s4_165\" id=\"t7_165\" style=\"left:65px;bottom:679px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Under its credit policy, the Real Estate Finance business lends to a maximum loan-to-value of: </div><div class=\"t s5_165\" id=\"t8_165\" style=\"left:65px;bottom:656px;display:inline;\">\u2022 </div><div class=\"t s4_165\" id=\"t9_165\" style=\"left:78px;bottom:656px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">70% for investment loans; </div><div class=\"t s5_165\" id=\"ta_165\" style=\"left:65px;bottom:636px;letter-spacing:-0.39px;word-spacing:0.59px;display:inline;\">\u2022 60% for residential development loans </div><div class=\"t s6_165\" id=\"tb_165\" style=\"left:297px;bottom:643px;display:inline;\">1 </div><div class=\"t s5_165\" id=\"tc_165\" style=\"left:302px;bottom:636px;display:inline;\">; </div><div class=\"t s5_165\" id=\"td_165\" style=\"left:65px;bottom:615px;letter-spacing:-0.4px;word-spacing:0.38px;display:inline;\">\u2022 65% for certain residential higher leveraged development loans </div><div class=\"t s6_165\" id=\"te_165\" style=\"left:438px;bottom:623px;display:inline;\">1 </div><div class=\"t s4_165\" id=\"tf_165\" style=\"left:443px;bottom:615px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">, which is subject to an overall </div><div class=\"t s5_165\" id=\"tg_165\" style=\"left:78px;bottom:599px;letter-spacing:-0.38px;display:inline;\">cap on such lending agreed by management according to risk appetite; and </div><div class=\"t s5_165\" id=\"th_165\" style=\"left:65px;bottom:579px;letter-spacing:-0.4px;word-spacing:0.59px;display:inline;\">\u2022 65% for commercial development loans </div><div class=\"t s6_165\" id=\"ti_165\" style=\"left:304px;bottom:586px;display:inline;\">1 </div><div class=\"t s5_165\" id=\"tj_165\" style=\"left:308px;bottom:579px;display:inline;\">. </div><div class=\"t s7_165\" id=\"tk_165\" style=\"left:65px;bottom:557px;letter-spacing:-0.08px;display:inline;\">Note: </div><div class=\"t s8_165\" id=\"tl_165\" style=\"left:65px;bottom:539px;letter-spacing:-0.1px;word-spacing:0.31px;display:inline;\">1. based on gross development value. </div><div class=\"t s4_165\" id=\"tm_165\" style=\"left:65px;bottom:514px;letter-spacing:-0.38px;display:inline;\">All property valuations at loan inception, and the majority of development stage valuations, are </div><div class=\"t s5_165\" id=\"tn_165\" style=\"left:65px;bottom:498px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">performed by independent Chartered Surveyors, who perform their work in accordance with the </div><div class=\"t s4_165\" id=\"to_165\" style=\"left:65px;bottom:482px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Royal Institution of Chartered Surveyors Valuation \u2013 Professional Standards. </div><div class=\"t s4_165\" id=\"tp_165\" style=\"left:65px;bottom:459px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Of cash collateral, \u00a30.3 million has been received as at 31 December 2025 in respect of certain loans </div><div class=\"t s4_165\" id=\"tq_165\" style=\"left:65px;bottom:443px;letter-spacing:-0.38px;display:inline;\"><span>and advances (2024: \u00a30.3 million).</span> </div><div class=\"t s4_165\" id=\"tr_165\" style=\"left:82px;bottom:406px;letter-spacing:-0.38px;display:inline;\"><span>The accounting policy for loans and advances to customers is included in Note 1.4 Financial </span></div><span>assets and financial liabilities accounting policy.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00342": {
   "value": "<table><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t26_164\" style=\"left:990px;bottom:566px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">Loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t27_164\" style=\"left:980px;bottom:552px;letter-spacing:-0.02px;display:inline;\">advances to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2a_164\" style=\"left:1069px;bottom:552px;letter-spacing:-0.02px;display:inline;\">Assets held </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t28_164\" style=\"left:988px;bottom:538px;letter-spacing:-0.01px;display:inline;\">customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2b_164\" style=\"left:1091px;bottom:538px;letter-spacing:-0.03px;display:inline;\">for sale </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2d_164\" style=\"left:1190px;bottom:538px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t25_164\" style=\"left:654px;bottom:525px;letter-spacing:-0.01px;display:inline;\">31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t29_164\" style=\"left:1000px;bottom:525px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2c_164\" style=\"left:1087px;bottom:525px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_164\" id=\"t2e_164\" style=\"left:1173px;bottom:525px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2f_164\" style=\"left:654px;bottom:504px;letter-spacing:-0.25px;display:inline;\">Gross loans and advances </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2g_164\" style=\"left:999px;bottom:504px;letter-spacing:-0.25px;display:inline;\">3,341.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2h_164\" style=\"left:1096px;bottom:504px;letter-spacing:-0.26px;display:inline;\">434.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2i_164\" style=\"left:1172px;bottom:504px;letter-spacing:-0.25px;display:inline;\">3,776.1 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2j_164\" style=\"left:654px;bottom:485px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Less: allowances for impairment of loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2k_164\" style=\"left:654px;bottom:468px;letter-spacing:-0.25px;display:inline;\">advances (Note 17) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2l_164\" style=\"left:1013px;bottom:468px;letter-spacing:-0.24px;display:inline;\">(45.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2m_164\" style=\"left:1100px;bottom:468px;letter-spacing:-0.24px;display:inline;\">(44.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t2n_164\" style=\"left:1186px;bottom:468px;letter-spacing:-0.24px;display:inline;\">(89.5) </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t2o_164\" style=\"left:998px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t2p_164\" style=\"left:1096px;bottom:448px;letter-spacing:-0.26px;display:inline;\">390.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t2q_164\" style=\"left:1172px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,686.6 </div></td></tr></table><table><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2s_164\" style=\"left:991px;bottom:417px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">Loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2t_164\" style=\"left:982px;bottom:403px;letter-spacing:-0.03px;display:inline;\">advances to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2w_164\" style=\"left:1071px;bottom:403px;letter-spacing:-0.03px;display:inline;\">Assets held </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2u_164\" style=\"left:989px;bottom:390px;letter-spacing:-0.02px;display:inline;\">customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2x_164\" style=\"left:1092px;bottom:390px;letter-spacing:-0.04px;display:inline;\">for sale </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2z_164\" style=\"left:1191px;bottom:390px;letter-spacing:-0.36px;display:inline;\">Total </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_164\" id=\"t2r_164\" style=\"left:654px;bottom:376px;letter-spacing:-0.01px;display:inline;\">31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2v_164\" style=\"left:1001px;bottom:376px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t2y_164\" style=\"left:1088px;bottom:376px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_164\" id=\"t30_164\" style=\"left:1175px;bottom:376px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_164\" id=\"t31_164\" style=\"left:654px;bottom:355px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">Gross loans and advances </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t32_164\" style=\"left:999px;bottom:355px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t33_164\" style=\"left:1123px;bottom:355px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t34_164\" style=\"left:1172px;bottom:355px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_164\" id=\"t35_164\" style=\"left:654px;bottom:336px;letter-spacing:-0.08px;word-spacing:-0.03px;display:inline;\">Less: allowances for impairment of loans and </div></td><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_164\" id=\"t36_164\" style=\"left:654px;bottom:320px;letter-spacing:-0.09px;word-spacing:-0.03px;display:inline;\">advances (Note 17) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t37_164\" style=\"left:1005px;bottom:320px;letter-spacing:-0.25px;display:inline;\">(111.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t38_164\" style=\"left:1123px;bottom:320px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_164\" id=\"t39_164\" style=\"left:1179px;bottom:320px;letter-spacing:-0.25px;display:inline;\">(111.8) </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t3a_164\" style=\"left:998px;bottom:300px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t3b_164\" style=\"left:1122px;bottom:300px;display:inline;\">\u2013 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_164\" id=\"t3c_164\" style=\"left:1172px;bottom:300px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00343": {
   "value": "<span>The Real Estate Finance loan book of \u00a31,466.9 million (2024: \u00a31,341.4 million) is secured upon real </span><div class=\"t s4_165\" id=\"t6_165\" style=\"left:65px;bottom:701px;letter-spacing:-0.38px;display:inline;\">estate, which had a loan-to-value of 57% at 31 December 2025 (2024: 56%). </div><div class=\"t s4_165\" id=\"t7_165\" style=\"left:65px;bottom:679px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Under its credit policy, the Real Estate Finance business lends to a maximum loan-to-value of: </div><div class=\"t s5_165\" id=\"t8_165\" style=\"left:65px;bottom:656px;display:inline;\">\u2022 </div><div class=\"t s4_165\" id=\"t9_165\" style=\"left:78px;bottom:656px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">70% for investment loans; </div><div class=\"t s5_165\" id=\"ta_165\" style=\"left:65px;bottom:636px;letter-spacing:-0.39px;word-spacing:0.59px;display:inline;\">\u2022 60% for residential development loans </div><div class=\"t s6_165\" id=\"tb_165\" style=\"left:297px;bottom:643px;display:inline;\">1 </div><div class=\"t s5_165\" id=\"tc_165\" style=\"left:302px;bottom:636px;display:inline;\">; </div><div class=\"t s5_165\" id=\"td_165\" style=\"left:65px;bottom:615px;letter-spacing:-0.4px;word-spacing:0.38px;display:inline;\">\u2022 65% for certain residential higher leveraged development loans </div><div class=\"t s6_165\" id=\"te_165\" style=\"left:438px;bottom:623px;display:inline;\">1 </div><div class=\"t s4_165\" id=\"tf_165\" style=\"left:443px;bottom:615px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">, which is subject to an overall </div><div class=\"t s5_165\" id=\"tg_165\" style=\"left:78px;bottom:599px;letter-spacing:-0.38px;display:inline;\">cap on such lending agreed by management according to risk appetite; and </div><div class=\"t s5_165\" id=\"th_165\" style=\"left:65px;bottom:579px;letter-spacing:-0.4px;word-spacing:0.59px;display:inline;\">\u2022 65% for commercial development loans </div><div class=\"t s6_165\" id=\"ti_165\" style=\"left:304px;bottom:586px;display:inline;\">1 </div><div class=\"t s5_165\" id=\"tj_165\" style=\"left:308px;bottom:579px;display:inline;\">. </div><div class=\"t s7_165\" id=\"tk_165\" style=\"left:65px;bottom:557px;letter-spacing:-0.08px;display:inline;\">Note: </div><div class=\"t s8_165\" id=\"tl_165\" style=\"left:65px;bottom:539px;letter-spacing:-0.1px;word-spacing:0.31px;display:inline;\">1. based on gross development value. </div><div class=\"t s4_165\" id=\"tm_165\" style=\"left:65px;bottom:514px;letter-spacing:-0.38px;display:inline;\">All property valuations at loan inception, and the majority of development stage valuations, are </div><div class=\"t s5_165\" id=\"tn_165\" style=\"left:65px;bottom:498px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">performed by independent Chartered Surveyors, who perform their work in accordance with the </div><div class=\"t s4_165\" id=\"to_165\" style=\"left:65px;bottom:482px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Royal Institution of Chartered Surveyors Valuation \u2013 Professional Standards. </div><div class=\"t s4_165\" id=\"tp_165\" style=\"left:65px;bottom:459px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Of cash collateral, \u00a30.3 million has been received as at 31 December 2025 in respect of certain loans </div><span>and advances (2024: \u00a30.3 million).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00344": {
   "value": "<span>16. Finance lease receivables </span><div class=\"t s9_165\" id=\"tu_165\" style=\"left:65px;bottom:324px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s4_165\" id=\"tv_165\" style=\"left:65px;bottom:304px;letter-spacing:-0.38px;display:inline;\">Loans and advances to customers include finance lease receivables as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"tw_165\" style=\"left:522px;bottom:284px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_165\" id=\"ty_165\" style=\"left:600px;bottom:284px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"tx_165\" style=\"left:506px;bottom:271px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_165\" id=\"tz_165\" style=\"left:586px;bottom:271px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t10_165\" style=\"left:65px;bottom:250px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Gross investment in finance lease receivables: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_165\" id=\"t11_165\" style=\"left:78px;bottom:230px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Not more than one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t12_165\" style=\"left:516px;bottom:230px;letter-spacing:-0.26px;display:inline;\">191.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t13_165\" style=\"left:594px;bottom:230px;letter-spacing:-0.26px;display:inline;\">228.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_165\" id=\"t14_165\" style=\"left:78px;bottom:211px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Later than one year and no later than five years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t15_165\" style=\"left:516px;bottom:211px;letter-spacing:-0.26px;display:inline;\">358.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t16_165\" style=\"left:594px;bottom:211px;letter-spacing:-0.26px;display:inline;\">535.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t17_165\" style=\"left:516px;bottom:191px;letter-spacing:-0.26px;display:inline;\">550.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t18_165\" style=\"left:594px;bottom:191px;letter-spacing:-0.26px;display:inline;\">763.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_165\" id=\"t19_165\" style=\"left:65px;bottom:171px;letter-spacing:-0.25px;display:inline;\">Unearned future finance income on finance leases </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1a_165\" style=\"left:512px;bottom:171px;letter-spacing:-0.25px;display:inline;\">(138.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1b_165\" style=\"left:590px;bottom:171px;letter-spacing:-0.25px;display:inline;\">(215.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t1c_165\" style=\"left:65px;bottom:152px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Net investment in finance leases </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t1d_165\" style=\"left:516px;bottom:152px;letter-spacing:-0.26px;display:inline;\">411.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t1e_165\" style=\"left:594px;bottom:152px;letter-spacing:-0.26px;display:inline;\">548.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1f_165\" style=\"left:65px;bottom:132px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">The net investment in finance leases may be analysed as follows: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_165\" id=\"t1g_165\" style=\"left:78px;bottom:112px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Not more than one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1h_165\" style=\"left:516px;bottom:112px;letter-spacing:-0.26px;display:inline;\">123.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1i_165\" style=\"left:594px;bottom:112px;letter-spacing:-0.26px;display:inline;\">135.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_165\" id=\"t1j_165\" style=\"left:78px;bottom:92px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Later than one year and no later than five years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1k_165\" style=\"left:516px;bottom:92px;letter-spacing:-0.26px;display:inline;\">287.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t1l_165\" style=\"left:594px;bottom:92px;letter-spacing:-0.26px;display:inline;\">413.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t1m_165\" style=\"left:516px;bottom:73px;letter-spacing:-0.26px;display:inline;\">411.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t1n_165\" style=\"left:594px;bottom:73px;letter-spacing:-0.26px;display:inline;\">548.4 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_165\" id=\"t1o_165\" style=\"left:65px;bottom:45px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Finance lease receivables include Vehicle Finance loans to consumers. </div><div class=\"t sc_165\" id=\"t1p_165\" style=\"left:671px;bottom:723px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Lessor accounting policy </span></div><div class=\"t s5_165\" id=\"t1q_165\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;display:inline;\">The present value of the lease payments on assets leased to customers under agreements </div><div class=\"t s5_165\" id=\"t1r_165\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;display:inline;\">that transfer substantially all the risks and rewards of ownership, with or without ultimate </div><div class=\"t s5_165\" id=\"t1s_165\" style=\"left:671px;bottom:670px;letter-spacing:-0.37px;display:inline;\">legal title, are recognised as a receivable. The difference between the gross receivable and </div><div class=\"t s4_165\" id=\"t1t_165\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">the present value of the receivable is recognised as unearned finance income. Lease income </div><div class=\"t s4_165\" id=\"t1u_165\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">is recognised over the term of the lease using the net investment method, which reflects a </div><span>constant periodic rate of return. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00481": {
   "value": "<span>Lessor accounting policy </span><div class=\"t s5_165\" id=\"t1q_165\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;display:inline;\">The present value of the lease payments on assets leased to customers under agreements </div><div class=\"t s5_165\" id=\"t1r_165\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;display:inline;\">that transfer substantially all the risks and rewards of ownership, with or without ultimate </div><div class=\"t s5_165\" id=\"t1s_165\" style=\"left:671px;bottom:670px;letter-spacing:-0.37px;display:inline;\">legal title, are recognised as a receivable. The difference between the gross receivable and </div><div class=\"t s4_165\" id=\"t1t_165\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;display:inline;\">the present value of the receivable is recognised as unearned finance income. Lease income </div><div class=\"t s4_165\" id=\"t1u_165\" style=\"left:671px;bottom:638px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">is recognised over the term of the lease using the net investment method, which reflects a </div><span>constant periodic rate of return. </span>",
   "dimensions": {
    "concept": "stb:DescriptionOfAccountingPolicyForLessorExplanatoryPolicyTextBlock",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00345": {
   "value": "<span>17. Allowances for impairment of loans and advances </span><div class=\"t s9_165\" id=\"t1x_165\" style=\"left:654px;bottom:557px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"2\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t sa_165\" id=\"t1y_165\" style=\"left:874px;bottom:526px;letter-spacing:-0.02px;display:inline;\">Not credit-impaired </div> </td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t1z_165\" style=\"left:999px;bottom:540px;letter-spacing:-0.02px;display:inline;\">Credit- </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t20_165\" style=\"left:994px;bottom:526px;letter-spacing:-0.01px;display:inline;\">impaired </div> </td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2k_165\" style=\"left:1130px;bottom:507px;letter-spacing:-0.01px;display:inline;\">Gross </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t22_165\" style=\"left:885px;bottom:494px;letter-spacing:-0.03px;display:inline;\">Stage 1: </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t27_165\" style=\"left:943px;bottom:494px;letter-spacing:-0.27px;display:inline;\">Stage 2: </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2c_165\" style=\"left:1004px;bottom:494px;letter-spacing:-0.27px;display:inline;\">Stage 3: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2l_165\" style=\"left:1111px;bottom:494px;letter-spacing:-0.02px;display:inline;\">loans and </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t23_165\" style=\"left:873px;bottom:480px;letter-spacing:-0.02px;display:inline;\">Subject to </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t28_165\" style=\"left:932px;bottom:480px;letter-spacing:-0.27px;display:inline;\">Subject to </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2d_165\" style=\"left:993px;bottom:480px;letter-spacing:-0.27px;display:inline;\">Subject to </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2m_165\" style=\"left:1111px;bottom:480px;letter-spacing:-0.02px;display:inline;\">advances </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t24_165\" style=\"left:873px;bottom:466px;display:inline;\">12-month </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t29_165\" style=\"left:944px;bottom:466px;letter-spacing:-0.28px;display:inline;\">lifetime </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2e_165\" style=\"left:1004px;bottom:466px;letter-spacing:-0.28px;display:inline;\">lifetime </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2h_165\" style=\"left:1074px;bottom:466px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2n_165\" style=\"left:1150px;bottom:466px;letter-spacing:-0.02px;display:inline;\">to </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2q_165\" style=\"left:1167px;bottom:466px;letter-spacing:-0.04px;display:inline;\">Provision </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t25_165\" style=\"left:906px;bottom:452px;letter-spacing:0.01px;display:inline;\">ECL </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2a_165\" style=\"left:963px;bottom:452px;letter-spacing:-0.24px;display:inline;\">ECL </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2f_165\" style=\"left:1023px;bottom:452px;letter-spacing:-0.24px;display:inline;\">ECL </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2i_165\" style=\"left:1050px;bottom:452px;letter-spacing:-0.05px;display:inline;\">provision </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2o_165\" style=\"left:1105px;bottom:452px;letter-spacing:-0.01px;display:inline;\">customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2r_165\" style=\"left:1169px;bottom:452px;letter-spacing:-0.09px;display:inline;\">coverage </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t21_165\" style=\"left:654px;bottom:439px;letter-spacing:-0.01px;display:inline;\">31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t26_165\" style=\"left:883px;bottom:439px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2b_165\" style=\"left:941px;bottom:439px;letter-spacing:-0.27px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2g_165\" style=\"left:1002px;bottom:439px;letter-spacing:-0.27px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2j_165\" style=\"left:1057px;bottom:439px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_165\" id=\"t2p_165\" style=\"left:1117px;bottom:439px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_165\" id=\"t2s_165\" style=\"left:1208px;bottom:439px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t2t_165\" style=\"left:654px;bottom:418px;letter-spacing:-0.26px;display:inline;\">Consumer Finance: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t2u_165\" style=\"left:668px;bottom:398px;letter-spacing:-0.25px;display:inline;\">Retail Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t2v_165\" style=\"left:901px;bottom:398px;letter-spacing:-0.26px;display:inline;\">13.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t2w_165\" style=\"left:965px;bottom:398px;letter-spacing:-0.25px;display:inline;\">8.0 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t2x_165\" style=\"left:1018px;bottom:398px;letter-spacing:-0.26px;display:inline;\">11.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t2y_165\" style=\"left:1074px;bottom:398px;letter-spacing:-0.26px;display:inline;\">33.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t2z_165\" style=\"left:1116px;bottom:398px;letter-spacing:-0.25px;display:inline;\">1,499.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t30_165\" style=\"left:1199px;bottom:398px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t31_165\" style=\"left:654px;bottom:379px;letter-spacing:-0.25px;display:inline;\">Business Finance: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t32_165\" style=\"left:668px;bottom:359px;letter-spacing:-0.25px;display:inline;\">Real Estate Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t33_165\" style=\"left:908px;bottom:359px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t34_165\" style=\"left:976px;bottom:359px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t35_165\" style=\"left:1026px;bottom:359px;letter-spacing:-0.25px;display:inline;\">8.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t36_165\" style=\"left:1082px;bottom:359px;letter-spacing:-0.25px;display:inline;\">8.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t37_165\" style=\"left:1116px;bottom:359px;letter-spacing:-0.25px;display:inline;\">1,475.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t38_165\" style=\"left:1199px;bottom:359px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t39_165\" style=\"left:668px;bottom:339px;letter-spacing:-0.26px;display:inline;\">Commercial Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3a_165\" style=\"left:908px;bottom:339px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3b_165\" style=\"left:965px;bottom:339px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3c_165\" style=\"left:1026px;bottom:339px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3d_165\" style=\"left:1082px;bottom:339px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3e_165\" style=\"left:1127px;bottom:339px;letter-spacing:-0.26px;display:inline;\">366.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3f_165\" style=\"left:1199px;bottom:339px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3g_165\" style=\"left:900px;bottom:320px;letter-spacing:-0.26px;display:inline;\">14.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3h_165\" style=\"left:957px;bottom:320px;letter-spacing:-0.26px;display:inline;\">11.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3i_165\" style=\"left:1018px;bottom:320px;letter-spacing:-0.26px;display:inline;\">19.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3j_165\" style=\"left:1074px;bottom:320px;letter-spacing:-0.26px;display:inline;\">45.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3k_165\" style=\"left:1116px;bottom:320px;letter-spacing:-0.25px;display:inline;\">3,341.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3l_165\" style=\"left:1199px;bottom:320px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3m_165\" style=\"left:654px;bottom:300px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Assets held for sale: Vehicle Finance: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3n_165\" style=\"left:668px;bottom:280px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Voluntary termination provision </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3o_165\" style=\"left:908px;bottom:280px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3p_165\" style=\"left:965px;bottom:280px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3q_165\" style=\"left:1037px;bottom:280px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3r_165\" style=\"left:1082px;bottom:280px;letter-spacing:-0.25px;display:inline;\">5.3 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_165\" id=\"t3s_165\" style=\"left:668px;bottom:260px;letter-spacing:-0.26px;display:inline;\">Other impairment </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3t_165\" style=\"left:908px;bottom:260px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3u_165\" style=\"left:965px;bottom:260px;letter-spacing:-0.25px;display:inline;\">8.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3v_165\" style=\"left:1018px;bottom:260px;letter-spacing:-0.26px;display:inline;\">23.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_165\" id=\"t3w_165\" style=\"left:1074px;bottom:260px;letter-spacing:-0.26px;display:inline;\">38.7 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3x_165\" style=\"left:900px;bottom:241px;letter-spacing:-0.26px;display:inline;\">10.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3y_165\" style=\"left:957px;bottom:241px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t3z_165\" style=\"left:1018px;bottom:241px;letter-spacing:-0.26px;display:inline;\">23.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t40_165\" style=\"left:1074px;bottom:241px;letter-spacing:-0.26px;display:inline;\">44.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t41_165\" style=\"left:1127px;bottom:241px;letter-spacing:-0.26px;display:inline;\">434.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t42_165\" style=\"left:1191px;bottom:241px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t43_165\" style=\"left:900px;bottom:221px;letter-spacing:-0.26px;display:inline;\">25.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t44_165\" style=\"left:957px;bottom:221px;letter-spacing:-0.26px;display:inline;\">21.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t45_165\" style=\"left:1018px;bottom:221px;letter-spacing:-0.26px;display:inline;\">43.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t46_165\" style=\"left:1074px;bottom:221px;letter-spacing:-0.26px;display:inline;\">89.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t47_165\" style=\"left:1116px;bottom:221px;letter-spacing:-0.25px;display:inline;\">3,776.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_165\" id=\"t48_165\" style=\"left:1199px;bottom:221px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td>\n\t\t</tr>\n\t\n                                        </table><div></div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"2\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s4_166\" id=\"t5_166\" style=\"left:282px;bottom:706px;letter-spacing:-0.02px;display:inline;\">Not credit-impaired </div> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"t6_166\" style=\"left:410px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Credit- </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"t7_166\" style=\"left:406px;bottom:706px;letter-spacing:-0.02px;display:inline;\">impaired </div> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"tr_166\" style=\"left:541px;bottom:688px;letter-spacing:-0.01px;display:inline;\">Gross </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"t9_166\" style=\"left:288px;bottom:674px;letter-spacing:-0.03px;display:inline;\">Stage 1: </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"te_166\" style=\"left:348px;bottom:674px;letter-spacing:-0.03px;display:inline;\">Stage 2: </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"tj_166\" style=\"left:414px;bottom:674px;letter-spacing:-0.03px;display:inline;\">Stage 3: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"ts_166\" style=\"left:523px;bottom:674px;letter-spacing:-0.03px;display:inline;\">loans and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"ta_166\" style=\"left:277px;bottom:660px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"tf_166\" style=\"left:338px;bottom:660px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"tk_166\" style=\"left:403px;bottom:660px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tt_166\" style=\"left:523px;bottom:660px;letter-spacing:-0.02px;display:inline;\">advances </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"tb_166\" style=\"left:277px;bottom:646px;display:inline;\">12-month </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tg_166\" style=\"left:350px;bottom:646px;letter-spacing:-0.04px;display:inline;\">lifetime </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tl_166\" style=\"left:415px;bottom:646px;letter-spacing:-0.04px;display:inline;\">lifetime </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"to_166\" style=\"left:485px;bottom:646px;letter-spacing:-0.36px;display:inline;\">Total </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tu_166\" style=\"left:561px;bottom:646px;letter-spacing:-0.05px;display:inline;\">to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tx_166\" style=\"left:579px;bottom:646px;letter-spacing:-0.05px;display:inline;\">Provision </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tc_166\" style=\"left:308px;bottom:633px;letter-spacing:-0.02px;display:inline;\">ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"th_166\" style=\"left:369px;bottom:633px;letter-spacing:-0.02px;display:inline;\">ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tm_166\" style=\"left:434px;bottom:633px;letter-spacing:-0.02px;display:inline;\">ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tp_166\" style=\"left:463px;bottom:633px;letter-spacing:-0.05px;display:inline;\">provision </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tv_166\" style=\"left:517px;bottom:633px;letter-spacing:-0.02px;display:inline;\">customers </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"ty_166\" style=\"left:581px;bottom:633px;letter-spacing:-0.1px;display:inline;\">coverage </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_166\" id=\"t8_166\" style=\"left:65px;bottom:619px;letter-spacing:-0.01px;display:inline;\">31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"td_166\" style=\"left:287px;bottom:619px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"ti_166\" style=\"left:348px;bottom:619px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tn_166\" style=\"left:413px;bottom:619px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tq_166\" style=\"left:469px;bottom:619px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tw_166\" style=\"left:530px;bottom:619px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"tz_166\" style=\"left:619px;bottom:619px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t10_166\" style=\"left:65px;bottom:598px;letter-spacing:-0.26px;display:inline;\">Consumer Finance: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t11_166\" style=\"left:79px;bottom:579px;letter-spacing:-0.25px;display:inline;\">Retail Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t12_166\" style=\"left:303px;bottom:579px;letter-spacing:-0.26px;display:inline;\">13.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t13_166\" style=\"left:371px;bottom:579px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t14_166\" style=\"left:429px;bottom:579px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t15_166\" style=\"left:485px;bottom:579px;letter-spacing:-0.26px;display:inline;\">30.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t16_166\" style=\"left:527px;bottom:579px;letter-spacing:-0.25px;display:inline;\">1,387.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t17_166\" style=\"left:610px;bottom:579px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t18_166\" style=\"left:65px;bottom:559px;letter-spacing:-0.25px;display:inline;\">Business Finance: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t19_166\" style=\"left:79px;bottom:539px;letter-spacing:-0.25px;display:inline;\">Real Estate Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1a_166\" style=\"left:311px;bottom:539px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1b_166\" style=\"left:371px;bottom:539px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1c_166\" style=\"left:429px;bottom:539px;letter-spacing:-0.26px;display:inline;\">11.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1d_166\" style=\"left:485px;bottom:539px;letter-spacing:-0.26px;display:inline;\">12.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1e_166\" style=\"left:527px;bottom:539px;letter-spacing:-0.25px;display:inline;\">1,353.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1f_166\" style=\"left:610px;bottom:539px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1g_166\" style=\"left:79px;bottom:520px;letter-spacing:-0.26px;display:inline;\">Commercial Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1h_166\" style=\"left:311px;bottom:520px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1i_166\" style=\"left:371px;bottom:520px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1j_166\" style=\"left:437px;bottom:520px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1k_166\" style=\"left:493px;bottom:520px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1l_166\" style=\"left:538px;bottom:520px;letter-spacing:-0.26px;display:inline;\">351.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1m_166\" style=\"left:610px;bottom:520px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1n_166\" style=\"left:303px;bottom:500px;letter-spacing:-0.26px;display:inline;\">14.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1o_166\" style=\"left:371px;bottom:500px;letter-spacing:-0.25px;display:inline;\">7.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1p_166\" style=\"left:429px;bottom:500px;letter-spacing:-0.26px;display:inline;\">22.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1q_166\" style=\"left:485px;bottom:500px;letter-spacing:-0.26px;display:inline;\">43.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1r_166\" style=\"left:527px;bottom:500px;letter-spacing:-0.25px;display:inline;\">3,093.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1s_166\" style=\"left:610px;bottom:500px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t1t_166\" style=\"left:65px;bottom:480px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Vehicle Finance: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1u_166\" style=\"left:79px;bottom:460px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Voluntary termination provision </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1v_166\" style=\"left:311px;bottom:460px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1w_166\" style=\"left:371px;bottom:460px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1x_166\" style=\"left:448px;bottom:460px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t1y_166\" style=\"left:493px;bottom:460px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t1z_166\" style=\"left:79px;bottom:441px;letter-spacing:-0.26px;display:inline;\">Other impairment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t20_166\" style=\"left:311px;bottom:441px;letter-spacing:-0.25px;display:inline;\">9.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t21_166\" style=\"left:371px;bottom:441px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t22_166\" style=\"left:429px;bottom:441px;letter-spacing:-0.26px;display:inline;\">44.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t23_166\" style=\"left:485px;bottom:441px;letter-spacing:-0.26px;display:inline;\">61.5 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t24_166\" style=\"left:303px;bottom:421px;letter-spacing:-0.26px;display:inline;\">15.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t25_166\" style=\"left:371px;bottom:421px;letter-spacing:-0.25px;display:inline;\">8.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t26_166\" style=\"left:429px;bottom:421px;letter-spacing:-0.26px;display:inline;\">44.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t27_166\" style=\"left:485px;bottom:421px;letter-spacing:-0.26px;display:inline;\">68.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t28_166\" style=\"left:538px;bottom:421px;letter-spacing:-0.26px;display:inline;\">626.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t29_166\" style=\"left:602px;bottom:421px;letter-spacing:-0.26px;display:inline;\">10.9 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2a_166\" style=\"left:303px;bottom:401px;letter-spacing:-0.26px;display:inline;\">29.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2b_166\" style=\"left:363px;bottom:401px;letter-spacing:-0.26px;display:inline;\">15.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2c_166\" style=\"left:429px;bottom:401px;letter-spacing:-0.26px;display:inline;\">66.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2d_166\" style=\"left:477px;bottom:401px;letter-spacing:-0.26px;display:inline;\">111.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2e_166\" style=\"left:527px;bottom:401px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2f_166\" style=\"left:610px;bottom:401px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td></tr>\n                                        </table>\n<div class=\"t s7_166\" id=\"t2g_166\" style=\"left:65px;bottom:374px;letter-spacing:-0.38px;display:inline;\">The impairment charge disclosed in the income statement can be analysed as follows: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t2h_166\" style=\"left:522px;bottom:354px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"t2j_166\" style=\"left:600px;bottom:354px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t2i_166\" style=\"left:506px;bottom:340px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"t2k_166\" style=\"left:586px;bottom:340px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2l_166\" style=\"left:65px;bottom:320px;letter-spacing:-0.25px;display:inline;\">Expected credit losses: impairment charge </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2m_166\" style=\"left:524px;bottom:320px;letter-spacing:-0.26px;display:inline;\">58.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2n_166\" style=\"left:602px;bottom:320px;letter-spacing:-0.26px;display:inline;\">61.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t2o_166\" style=\"left:65px;bottom:300px;letter-spacing:-0.25px;display:inline;\">Charge in respect of off balance sheet loan commitments </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2p_166\" style=\"left:531px;bottom:300px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2q_166\" style=\"left:609px;bottom:300px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t2r_166\" style=\"left:65px;bottom:280px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Loans written off directly to the income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2s_166\" style=\"left:531px;bottom:280px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2t_166\" style=\"left:609px;bottom:280px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t2u_166\" style=\"left:65px;bottom:260px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Unwind of discount </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2v_166\" style=\"left:527px;bottom:260px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2w_166\" style=\"left:605px;bottom:260px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2x_166\" style=\"left:523px;bottom:241px;letter-spacing:-0.26px;display:inline;\">58.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t2y_166\" style=\"left:601px;bottom:241px;letter-spacing:-0.26px;display:inline;\">61.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t2z_166\" style=\"left:65px;bottom:221px;letter-spacing:-0.25px;display:inline;\">Of which: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t30_166\" style=\"left:79px;bottom:201px;letter-spacing:-0.26px;display:inline;\">Continuing </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t31_166\" style=\"left:524px;bottom:201px;letter-spacing:-0.26px;display:inline;\">31.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t32_166\" style=\"left:602px;bottom:201px;letter-spacing:-0.26px;display:inline;\">23.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t33_166\" style=\"left:79px;bottom:181px;letter-spacing:-0.25px;display:inline;\">Discontinued (Note 10) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t34_166\" style=\"left:524px;bottom:181px;letter-spacing:-0.26px;display:inline;\">26.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t35_166\" style=\"left:602px;bottom:181px;letter-spacing:-0.26px;display:inline;\">38.7 </div></td></tr>\n                                        </table>\n<div class=\"t s7_166\" id=\"t36_166\" style=\"left:654px;bottom:740px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">Total provisions include expert credit judgements as follows: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t37_166\" style=\"left:1111px;bottom:720px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"t39_166\" style=\"left:1189px;bottom:720px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t38_166\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_166\" id=\"t3a_166\" style=\"left:1175px;bottom:706px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3b_166\" style=\"left:654px;bottom:686px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Specific overlays/(underlays) held against credit-impaired secured </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3c_166\" style=\"left:654px;bottom:669px;letter-spacing:-0.24px;display:inline;\">assets held within the Business Finance portfolio </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3d_166\" style=\"left:1120px;bottom:669px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3e_166\" style=\"left:1194px;bottom:669px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3f_166\" style=\"left:654px;bottom:649px;letter-spacing:-0.25px;display:inline;\">Management judgement in respect of: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3g_166\" style=\"left:654px;bottom:630px;letter-spacing:-0.34px;word-spacing:0.08px;display:inline;\">Vehicle Finance LGD </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3h_166\" style=\"left:1131px;bottom:630px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3i_166\" style=\"left:1194px;bottom:630px;letter-spacing:-0.23px;display:inline;\">(4.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t3j_166\" style=\"left:654px;bottom:610px;letter-spacing:-0.27px;display:inline;\">Other </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3k_166\" style=\"left:1116px;bottom:610px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t3l_166\" style=\"left:1194px;bottom:610px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t3m_166\" style=\"left:654px;bottom:590px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Expert credit judgements over the IFRS 9 model results </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t3n_166\" style=\"left:1120px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t3o_166\" style=\"left:1194px;bottom:590px;letter-spacing:-0.23px;display:inline;\">(5.7) </div></td></tr>\n                                        </table>\n<div class=\"t s7_166\" id=\"t3p_166\" style=\"left:654px;bottom:563px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The specific overlays/(underlays) for Business Finance have been estimated on an individual basis </div>\n<div class=\"t s8_166\" id=\"t3q_166\" style=\"left:654px;bottom:547px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">by assessing the recoverability and condition of the secured asset, along with any other recoveries </div>\n<div class=\"t s7_166\" id=\"t3r_166\" style=\"left:654px;bottom:531px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">that may be made. </div>\n<div class=\"t s7_166\" id=\"t3s_166\" style=\"left:654px;bottom:508px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">Vehicle Finance LGD underlay has been released in 2025 reflecting recoveries and model changes. </div>\n<div class=\"t s8_166\" id=\"t3t_166\" style=\"left:654px;bottom:486px;letter-spacing:-0.38px;display:inline;\">Reconciliations of the opening to closing allowance for impairment of loans and advances are </div>\n<div class=\"t s7_166\" id=\"t3u_166\" style=\"left:654px;bottom:470px;letter-spacing:-0.39px;display:inline;\">presented below: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"2\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s9_166\" id=\"t3v_166\" style=\"left:928px;bottom:436px;letter-spacing:-0.02px;display:inline;\">Not credit-impaired </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t3w_166\" style=\"left:1083px;bottom:450px;letter-spacing:-0.02px;display:inline;\">Credit- </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t3y_166\" style=\"left:936px;bottom:417px;letter-spacing:-0.03px;display:inline;\">Stage 1: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t3x_166\" style=\"left:1078px;bottom:436px;letter-spacing:-0.01px;display:inline;\">impaired </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t3z_166\" style=\"left:925px;bottom:404px;letter-spacing:-0.02px;display:inline;\">Subject to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t43_166\" style=\"left:1014px;bottom:404px;letter-spacing:-0.03px;display:inline;\">Stage 2: </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t47_166\" style=\"left:1097px;bottom:404px;letter-spacing:-0.03px;display:inline;\">Stage 3: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t40_166\" style=\"left:925px;bottom:390px;letter-spacing:-0.01px;display:inline;\">12-month </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t44_166\" style=\"left:1003px;bottom:390px;letter-spacing:-0.02px;display:inline;\">Subject to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t48_166\" style=\"left:1085px;bottom:390px;letter-spacing:-0.02px;display:inline;\">Subject to </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t41_166\" style=\"left:957px;bottom:376px;letter-spacing:0.01px;display:inline;\">ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t45_166\" style=\"left:992px;bottom:376px;letter-spacing:-0.02px;display:inline;\">lifetime ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t49_166\" style=\"left:1074px;bottom:376px;letter-spacing:-0.02px;display:inline;\">lifetime ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t4b_166\" style=\"left:1186px;bottom:376px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t42_166\" style=\"left:935px;bottom:362px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t46_166\" style=\"left:1013px;bottom:362px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t4a_166\" style=\"left:1096px;bottom:362px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_166\" id=\"t4c_166\" style=\"left:1169px;bottom:362px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t4d_166\" style=\"left:654px;bottom:342px;letter-spacing:-0.25px;display:inline;\">At 1 January 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4e_166\" style=\"left:952px;bottom:342px;letter-spacing:-0.26px;display:inline;\">29.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4f_166\" style=\"left:1030px;bottom:342px;letter-spacing:-0.26px;display:inline;\">15.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4g_166\" style=\"left:1113px;bottom:342px;letter-spacing:-0.26px;display:inline;\">66.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4h_166\" style=\"left:1179px;bottom:342px;letter-spacing:-0.26px;display:inline;\">111.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4i_166\" style=\"left:654px;bottom:322px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">(Decrease)/increase due to change in </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t4j_166\" style=\"left:654px;bottom:305px;letter-spacing:-0.24px;display:inline;\">credit risk </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t4k_166\" style=\"left:667px;bottom:286px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4l_166\" style=\"left:948px;bottom:286px;letter-spacing:-0.24px;display:inline;\">(13.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4m_166\" style=\"left:1030px;bottom:286px;letter-spacing:-0.26px;display:inline;\">40.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4n_166\" style=\"left:1117px;bottom:286px;letter-spacing:-0.23px;display:inline;\">(2.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4o_166\" style=\"left:1186px;bottom:286px;letter-spacing:-0.26px;display:inline;\">23.9 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t4p_166\" style=\"left:667px;bottom:266px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4q_166\" style=\"left:956px;bottom:266px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4r_166\" style=\"left:1026px;bottom:266px;letter-spacing:-0.24px;display:inline;\">(24.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4s_166\" style=\"left:1113px;bottom:266px;letter-spacing:-0.26px;display:inline;\">48.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4t_166\" style=\"left:1186px;bottom:266px;letter-spacing:-0.26px;display:inline;\">24.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t4u_166\" style=\"left:667px;bottom:246px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4v_166\" style=\"left:960px;bottom:246px;letter-spacing:-0.25px;display:inline;\">6.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4w_166\" style=\"left:1026px;bottom:246px;letter-spacing:-0.24px;display:inline;\">(16.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4x_166\" style=\"left:1132px;bottom:246px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t4y_166\" style=\"left:1190px;bottom:246px;letter-spacing:-0.23px;display:inline;\">(9.7) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t4z_166\" style=\"left:654px;bottom:227px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">Passage of time </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t50_166\" style=\"left:948px;bottom:227px;letter-spacing:-0.24px;display:inline;\">(11.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t51_166\" style=\"left:1038px;bottom:227px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t52_166\" style=\"left:1121px;bottom:227px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t53_166\" style=\"left:1190px;bottom:227px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t54_166\" style=\"left:654px;bottom:207px;letter-spacing:-0.25px;display:inline;\">New loans originated </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t55_166\" style=\"left:952px;bottom:207px;letter-spacing:-0.26px;display:inline;\">15.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t56_166\" style=\"left:1049px;bottom:207px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t57_166\" style=\"left:1132px;bottom:207px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t58_166\" style=\"left:1186px;bottom:207px;letter-spacing:-0.26px;display:inline;\">15.6 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t59_166\" style=\"left:654px;bottom:187px;letter-spacing:-0.25px;display:inline;\">Matured and derecognised loans </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5a_166\" style=\"left:956px;bottom:187px;letter-spacing:-0.23px;display:inline;\">(2.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5b_166\" style=\"left:1034px;bottom:187px;letter-spacing:-0.23px;display:inline;\">(1.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5c_166\" style=\"left:1117px;bottom:187px;letter-spacing:-0.23px;display:inline;\">(3.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5d_166\" style=\"left:1190px;bottom:187px;letter-spacing:-0.23px;display:inline;\">(7.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t5e_166\" style=\"left:654px;bottom:167px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Changes to credit risk parameters </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5f_166\" style=\"left:960px;bottom:167px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5g_166\" style=\"left:1038px;bottom:167px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5h_166\" style=\"left:1121px;bottom:167px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5i_166\" style=\"left:1194px;bottom:167px;letter-spacing:-0.25px;display:inline;\">8.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5j_166\" style=\"left:654px;bottom:148px;letter-spacing:-0.26px;display:inline;\">Other adjustments </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5k_166\" style=\"left:960px;bottom:148px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5l_166\" style=\"left:1038px;bottom:148px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5m_166\" style=\"left:1132px;bottom:148px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5n_166\" style=\"left:1194px;bottom:148px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_166\" id=\"t5o_166\" style=\"left:654px;bottom:128px;letter-spacing:-0.25px;display:inline;\">Charge to income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5p_166\" style=\"left:960px;bottom:128px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5q_166\" style=\"left:1038px;bottom:128px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5r_166\" style=\"left:1113px;bottom:128px;letter-spacing:-0.26px;display:inline;\">50.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5s_166\" style=\"left:1186px;bottom:128px;letter-spacing:-0.26px;display:inline;\">58.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5t_166\" style=\"left:654px;bottom:108px;letter-spacing:-0.24px;display:inline;\">Allowance utilised in respect of write-offs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5u_166\" style=\"left:956px;bottom:108px;letter-spacing:-0.23px;display:inline;\">(6.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5v_166\" style=\"left:1049px;bottom:108px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5w_166\" style=\"left:1109px;bottom:108px;letter-spacing:-0.24px;display:inline;\">(74.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_166\" id=\"t5x_166\" style=\"left:1182px;bottom:108px;letter-spacing:-0.24px;display:inline;\">(80.6) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t5y_166\" style=\"left:654px;bottom:88px;letter-spacing:-0.27px;display:inline;\">31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t5z_166\" style=\"left:952px;bottom:88px;letter-spacing:-0.26px;display:inline;\">25.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t60_166\" style=\"left:1030px;bottom:88px;letter-spacing:-0.26px;display:inline;\">21.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t61_166\" style=\"left:1113px;bottom:88px;letter-spacing:-0.26px;display:inline;\">43.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_166\" id=\"t62_166\" style=\"left:1186px;bottom:88px;letter-spacing:-0.26px;display:inline;\">89.5 </div></td></tr>\n                                        </table><div></div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"2\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s4_167\" id=\"t5_167\" style=\"left:342px;bottom:706px;letter-spacing:-0.02px;display:inline;\">Not credit-impaired </div> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"t6_167\" style=\"left:497px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Credit- </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"t8_167\" style=\"left:348px;bottom:688px;letter-spacing:-0.03px;display:inline;\">Stage 1: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"t7_167\" style=\"left:492px;bottom:706px;letter-spacing:-0.02px;display:inline;\">impaired </div> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"t9_167\" style=\"left:337px;bottom:674px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"td_167\" style=\"left:426px;bottom:674px;letter-spacing:-0.03px;display:inline;\">Stage 2: </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"th_167\" style=\"left:509px;bottom:674px;letter-spacing:-0.03px;display:inline;\">Stage 3: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"ta_167\" style=\"left:337px;bottom:660px;letter-spacing:-0.02px;display:inline;\">12-month </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"te_167\" style=\"left:415px;bottom:660px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_167\" id=\"ti_167\" style=\"left:498px;bottom:660px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tb_167\" style=\"left:368px;bottom:646px;letter-spacing:-0.02px;display:inline;\">ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tf_167\" style=\"left:404px;bottom:646px;letter-spacing:-0.03px;display:inline;\">lifetime ECL </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tj_167\" style=\"left:487px;bottom:646px;letter-spacing:-0.03px;display:inline;\">lifetime ECL </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tl_167\" style=\"left:598px;bottom:646px;letter-spacing:-0.36px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tc_167\" style=\"left:347px;bottom:633px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tg_167\" style=\"left:425px;bottom:633px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tk_167\" style=\"left:508px;bottom:633px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_167\" id=\"tm_167\" style=\"left:582px;bottom:633px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"tn_167\" style=\"left:65px;bottom:612px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"to_167\" style=\"left:363px;bottom:612px;letter-spacing:-0.26px;display:inline;\">29.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"tp_167\" style=\"left:441px;bottom:612px;letter-spacing:-0.26px;display:inline;\">18.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"tq_167\" style=\"left:524px;bottom:612px;letter-spacing:-0.26px;display:inline;\">40.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"tr_167\" style=\"left:597px;bottom:612px;letter-spacing:-0.26px;display:inline;\">88.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"ts_167\" style=\"left:65px;bottom:592px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">(Decrease)/increase due to change in </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"tt_167\" style=\"left:65px;bottom:576px;letter-spacing:-0.24px;display:inline;\">credit risk </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"tu_167\" style=\"left:78px;bottom:556px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"tv_167\" style=\"left:359px;bottom:556px;letter-spacing:-0.24px;display:inline;\">(11.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"tw_167\" style=\"left:441px;bottom:556px;letter-spacing:-0.26px;display:inline;\">38.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"tx_167\" style=\"left:528px;bottom:556px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"ty_167\" style=\"left:597px;bottom:556px;letter-spacing:-0.26px;display:inline;\">25.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"tz_167\" style=\"left:78px;bottom:536px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t10_167\" style=\"left:367px;bottom:536px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t11_167\" style=\"left:437px;bottom:536px;letter-spacing:-0.24px;display:inline;\">(24.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t12_167\" style=\"left:524px;bottom:536px;letter-spacing:-0.26px;display:inline;\">48.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t13_167\" style=\"left:597px;bottom:536px;letter-spacing:-0.26px;display:inline;\">24.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t14_167\" style=\"left:78px;bottom:517px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t15_167\" style=\"left:371px;bottom:517px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t16_167\" style=\"left:437px;bottom:517px;letter-spacing:-0.24px;display:inline;\">(20.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t17_167\" style=\"left:543px;bottom:517px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t18_167\" style=\"left:593px;bottom:517px;letter-spacing:-0.24px;display:inline;\">(13.0) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t19_167\" style=\"left:65px;bottom:497px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">Passage of time </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1a_167\" style=\"left:367px;bottom:497px;letter-spacing:-0.23px;display:inline;\">(6.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1b_167\" style=\"left:449px;bottom:497px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1c_167\" style=\"left:524px;bottom:497px;letter-spacing:-0.26px;display:inline;\">14.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1d_167\" style=\"left:597px;bottom:497px;letter-spacing:-0.26px;display:inline;\">13.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t1e_167\" style=\"left:65px;bottom:477px;letter-spacing:-0.25px;display:inline;\">New loans originated </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1f_167\" style=\"left:363px;bottom:477px;letter-spacing:-0.26px;display:inline;\">16.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1g_167\" style=\"left:460px;bottom:477px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1h_167\" style=\"left:543px;bottom:477px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1i_167\" style=\"left:597px;bottom:477px;letter-spacing:-0.26px;display:inline;\">16.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1j_167\" style=\"left:65px;bottom:457px;letter-spacing:-0.25px;display:inline;\">Matured and derecognised loans </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1k_167\" style=\"left:367px;bottom:457px;letter-spacing:-0.23px;display:inline;\">(2.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1l_167\" style=\"left:445px;bottom:457px;letter-spacing:-0.23px;display:inline;\">(1.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1m_167\" style=\"left:528px;bottom:457px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1n_167\" style=\"left:601px;bottom:457px;letter-spacing:-0.23px;display:inline;\">(4.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t1o_167\" style=\"left:65px;bottom:438px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Changes to credit risk parameters </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1p_167\" style=\"left:367px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1q_167\" style=\"left:445px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1r_167\" style=\"left:528px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(2.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1s_167\" style=\"left:601px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(5.7) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1t_167\" style=\"left:65px;bottom:418px;letter-spacing:-0.26px;display:inline;\">Other adjustments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1u_167\" style=\"left:371px;bottom:418px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1v_167\" style=\"left:449px;bottom:418px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1w_167\" style=\"left:543px;bottom:418px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1x_167\" style=\"left:605px;bottom:418px;letter-spacing:-0.25px;display:inline;\">5.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1y_167\" style=\"left:65px;bottom:398px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Charge/(credit) to income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t1z_167\" style=\"left:371px;bottom:398px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t20_167\" style=\"left:445px;bottom:398px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t21_167\" style=\"left:524px;bottom:398px;letter-spacing:-0.26px;display:inline;\">58.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t22_167\" style=\"left:597px;bottom:398px;letter-spacing:-0.26px;display:inline;\">61.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t23_167\" style=\"left:65px;bottom:378px;letter-spacing:-0.24px;display:inline;\">Allowance utilised in respect of write-offs </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t24_167\" style=\"left:367px;bottom:378px;letter-spacing:-0.23px;display:inline;\">(5.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t25_167\" style=\"left:460px;bottom:378px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t26_167\" style=\"left:520px;bottom:378px;letter-spacing:-0.24px;display:inline;\">(32.9) </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t27_167\" style=\"left:593px;bottom:378px;letter-spacing:-0.24px;display:inline;\">(38.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t28_167\" style=\"left:65px;bottom:359px;letter-spacing:-0.27px;display:inline;\">31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t29_167\" style=\"left:363px;bottom:359px;letter-spacing:-0.26px;display:inline;\">29.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t2a_167\" style=\"left:441px;bottom:359px;letter-spacing:-0.26px;display:inline;\">15.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t2b_167\" style=\"left:524px;bottom:359px;letter-spacing:-0.26px;display:inline;\">66.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t2c_167\" style=\"left:589px;bottom:359px;letter-spacing:-0.26px;display:inline;\">111.8 </div></td></tr>\n                                        </table>\n<div class=\"t s6_167\" id=\"t2d_167\" style=\"left:65px;bottom:331px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">These tables have been prepared based on monthly movements in the ECL. </div>\n<div class=\"t s6_167\" id=\"t2e_167\" style=\"left:65px;bottom:309px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Passage of time represents the impact of accounts maturing through their contractual life, the </div>\n<div class=\"t s7_167\" id=\"t2f_167\" style=\"left:65px;bottom:293px;letter-spacing:-0.37px;display:inline;\">associated reduction in PDs and the unwind of the discount applied in calculating the ECL. </div>\n<div class=\"t s7_167\" id=\"t2g_167\" style=\"left:65px;bottom:270px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Changes to credit risk parameters represent movements that have occurred due to the Group </div>\n<div class=\"t s7_167\" id=\"t2h_167\" style=\"left:65px;bottom:254px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">updating model inputs. This would include the impact of, for example, updating the macroeconomic </div>\n<div class=\"t s6_167\" id=\"t2i_167\" style=\"left:65px;bottom:238px;letter-spacing:-0.38px;display:inline;\">scenarios applied to the models. </div>\n<div class=\"t s7_167\" id=\"t2j_167\" style=\"left:65px;bottom:215px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Other adjustments represents the movement in the Vehicle Finance voluntary </div>\n<div class=\"t s6_167\" id=\"t2k_167\" style=\"left:65px;bottom:199px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">termination provision. </div>\n<div class=\"t s7_167\" id=\"t2l_167\" style=\"left:65px;bottom:177px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Stage 1 write-offs arise on Vehicle Finance accounts where borrowers have exercised their right to </div>\n<div class=\"t s6_167\" id=\"t2m_167\" style=\"left:65px;bottom:161px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">voluntarily terminate their agreements. </div>\n<div class=\"t s7_167\" id=\"t2n_167\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">Reconciliations of the opening to closing gross loans and advances are presented below: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2p_167\" style=\"left:1083px;bottom:719px;letter-spacing:-0.02px;display:inline;\">Credit- </div> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"2\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s9_167\" id=\"t2o_167\" style=\"left:928px;bottom:706px;letter-spacing:-0.02px;display:inline;\">Not credit-impaired </div>  </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2q_167\" style=\"left:1078px;bottom:706px;letter-spacing:-0.01px;display:inline;\">impaired </div> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2r_167\" style=\"left:936px;bottom:687px;letter-spacing:-0.04px;display:inline;\">Stage 1: </div> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2v_167\" style=\"left:1014px;bottom:687px;letter-spacing:-0.04px;display:inline;\">Stage 2: </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2z_167\" style=\"left:1097px;bottom:687px;letter-spacing:-0.04px;display:inline;\">Stage 3: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2s_167\" style=\"left:909px;bottom:673px;letter-spacing:-0.03px;display:inline;\">Subject to 12 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2w_167\" style=\"left:1003px;bottom:673px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t30_167\" style=\"left:1085px;bottom:673px;letter-spacing:-0.03px;display:inline;\">Subject to </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2t_167\" style=\"left:920px;bottom:660px;display:inline;\">month ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2x_167\" style=\"left:992px;bottom:660px;letter-spacing:-0.02px;display:inline;\">lifetime ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t31_167\" style=\"left:1074px;bottom:660px;letter-spacing:-0.02px;display:inline;\">lifetime ECL </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t33_167\" style=\"left:1190px;bottom:660px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2u_167\" style=\"left:935px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t2y_167\" style=\"left:1013px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t32_167\" style=\"left:1096px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_167\" id=\"t34_167\" style=\"left:1174px;bottom:646px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t35_167\" style=\"left:654px;bottom:626px;letter-spacing:-0.25px;display:inline;\">At 1 January 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t36_167\" style=\"left:934px;bottom:626px;letter-spacing:-0.25px;display:inline;\">3,204.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t37_167\" style=\"left:1022px;bottom:626px;letter-spacing:-0.26px;display:inline;\">329.0 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t38_167\" style=\"left:1105px;bottom:626px;letter-spacing:-0.26px;display:inline;\">186.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t39_167\" style=\"left:1172px;bottom:626px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t3a_167\" style=\"left:667px;bottom:606px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3b_167\" style=\"left:940px;bottom:606px;letter-spacing:-0.25px;display:inline;\">(668.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3c_167\" style=\"left:1022px;bottom:606px;letter-spacing:-0.26px;display:inline;\">651.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3d_167\" style=\"left:1117px;bottom:606px;letter-spacing:-0.23px;display:inline;\">(3.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3e_167\" style=\"left:1187px;bottom:606px;letter-spacing:-0.24px;display:inline;\">(20.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t3f_167\" style=\"left:667px;bottom:586px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3g_167\" style=\"left:956px;bottom:586px;letter-spacing:-0.23px;display:inline;\">(9.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3h_167\" style=\"left:1018px;bottom:586px;letter-spacing:-0.25px;display:inline;\">(136.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3i_167\" style=\"left:1105px;bottom:586px;letter-spacing:-0.26px;display:inline;\">143.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3j_167\" style=\"left:1195px;bottom:586px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t3k_167\" style=\"left:667px;bottom:566px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Transfer to stage 1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3l_167\" style=\"left:944px;bottom:566px;letter-spacing:-0.26px;display:inline;\">391.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3m_167\" style=\"left:1018px;bottom:566px;letter-spacing:-0.25px;display:inline;\">(407.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3n_167\" style=\"left:1132px;bottom:566px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3o_167\" style=\"left:1187px;bottom:566px;letter-spacing:-0.24px;display:inline;\">(16.7) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t3p_167\" style=\"left:654px;bottom:547px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Passage of time </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3q_167\" style=\"left:930px;bottom:547px;letter-spacing:-0.24px;display:inline;\">(1,407.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3r_167\" style=\"left:1026px;bottom:547px;letter-spacing:-0.24px;display:inline;\">(18.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3s_167\" style=\"left:1109px;bottom:547px;letter-spacing:-0.24px;display:inline;\">(73.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3t_167\" style=\"left:1168px;bottom:547px;letter-spacing:-0.24px;display:inline;\">(1,499.7) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_167\" id=\"t3u_167\" style=\"left:654px;bottom:527px;letter-spacing:-0.25px;display:inline;\">New loans originated </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3v_167\" style=\"left:934px;bottom:527px;letter-spacing:-0.25px;display:inline;\">2,526.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3w_167\" style=\"left:1049px;bottom:527px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3x_167\" style=\"left:1132px;bottom:527px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3y_167\" style=\"left:1172px;bottom:527px;letter-spacing:-0.25px;display:inline;\">2,526.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t3z_167\" style=\"left:654px;bottom:507px;letter-spacing:-0.25px;display:inline;\">Matured and derecognised loans </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t40_167\" style=\"left:940px;bottom:507px;letter-spacing:-0.25px;display:inline;\">(689.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t41_167\" style=\"left:1018px;bottom:507px;letter-spacing:-0.25px;display:inline;\">(149.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t42_167\" style=\"left:1109px;bottom:507px;letter-spacing:-0.24px;display:inline;\">(92.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_167\" id=\"t43_167\" style=\"left:1179px;bottom:507px;letter-spacing:-0.25px;display:inline;\">(931.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t44_167\" style=\"left:654px;bottom:487px;letter-spacing:-0.27px;display:inline;\">31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t45_167\" style=\"left:934px;bottom:487px;letter-spacing:-0.25px;display:inline;\">3,347.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t46_167\" style=\"left:1022px;bottom:487px;letter-spacing:-0.26px;display:inline;\">267.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t47_167\" style=\"left:1105px;bottom:487px;letter-spacing:-0.26px;display:inline;\">161.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_167\" id=\"t48_167\" style=\"left:1172px;bottom:487px;letter-spacing:-0.25px;display:inline;\">3,776.1 </div></td></tr>\n                                        </table><div></div><div class=\"t s4_168\" id=\"t5_168\" style=\"left:65px;bottom:717px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A breakdown of the gross receivable by internal credit risk rating is shown below: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\">   <div class=\"t s5_168\" id=\"t6_168\" style=\"left:460px;bottom:697px;display:inline;\">2025 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_168\" id=\"t7_168\" style=\"left:355px;bottom:679px;letter-spacing:-0.02px;display:inline;\">Stage 1 </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_168\" id=\"t9_168\" style=\"left:433px;bottom:679px;letter-spacing:-0.02px;display:inline;\">Stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_168\" id=\"tb_168\" style=\"left:511px;bottom:679px;letter-spacing:-0.02px;display:inline;\">Stage 3 </div></td><td colspan=\"1\" rowspan=\"1\">   <div class=\"t s5_168\" id=\"td_168\" style=\"left:601px;bottom:679px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_168\" id=\"t8_168\" style=\"left:350px;bottom:665px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_168\" id=\"ta_168\" style=\"left:428px;bottom:665px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_168\" id=\"tc_168\" style=\"left:506px;bottom:665px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\">   <div class=\"t s5_168\" id=\"te_168\" style=\"left:584px;bottom:665px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tf_168\" style=\"left:65px;bottom:645px;letter-spacing:-0.25px;display:inline;\">Business Finance: </div></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"tg_168\" style=\"left:65px;bottom:625px;letter-spacing:-0.26px;display:inline;\">Strong </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"th_168\" style=\"left:368px;bottom:625px;letter-spacing:-0.26px;display:inline;\">84.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"ti_168\" style=\"left:464px;bottom:625px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tj_168\" style=\"left:542px;bottom:625px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tk_168\" style=\"left:602px;bottom:625px;letter-spacing:-0.26px;display:inline;\">84.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tl_168\" style=\"left:65px;bottom:605px;letter-spacing:-0.29px;display:inline;\">Good </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tm_168\" style=\"left:349px;bottom:605px;letter-spacing:-0.25px;display:inline;\">1,166.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tn_168\" style=\"left:446px;bottom:605px;letter-spacing:-0.26px;display:inline;\">46.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"to_168\" style=\"left:531px;bottom:605px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tp_168\" style=\"left:583px;bottom:605px;letter-spacing:-0.25px;display:inline;\">1,214.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"tq_168\" style=\"left:65px;bottom:586px;letter-spacing:-0.24px;display:inline;\">Satisfactory </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tr_168\" style=\"left:360px;bottom:586px;letter-spacing:-0.26px;display:inline;\">348.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"ts_168\" style=\"left:446px;bottom:586px;letter-spacing:-0.26px;display:inline;\">51.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tt_168\" style=\"left:524px;bottom:586px;letter-spacing:-0.26px;display:inline;\">25.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tu_168\" style=\"left:594px;bottom:586px;letter-spacing:-0.26px;display:inline;\">424.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"tv_168\" style=\"left:65px;bottom:566px;letter-spacing:-0.37px;display:inline;\">Weak </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tw_168\" style=\"left:386px;bottom:566px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tx_168\" style=\"left:446px;bottom:566px;letter-spacing:-0.26px;display:inline;\">31.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"ty_168\" style=\"left:524px;bottom:566px;letter-spacing:-0.26px;display:inline;\">87.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"tz_168\" style=\"left:594px;bottom:566px;letter-spacing:-0.26px;display:inline;\">118.1 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t10_168\" style=\"left:349px;bottom:546px;letter-spacing:-0.25px;display:inline;\">1,599.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t11_168\" style=\"left:438px;bottom:546px;letter-spacing:-0.26px;display:inline;\">128.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t12_168\" style=\"left:516px;bottom:546px;letter-spacing:-0.26px;display:inline;\">113.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t13_168\" style=\"left:583px;bottom:546px;letter-spacing:-0.25px;display:inline;\">1,841.7 </div></td></tr>\n                                        </table>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\">   <div class=\"t s8_168\" id=\"t14_168\" style=\"left:462px;bottom:521px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s8_168\" id=\"t15_168\" style=\"left:355px;bottom:503px;letter-spacing:-0.03px;display:inline;\">Stage 1 </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s8_168\" id=\"t17_168\" style=\"left:433px;bottom:503px;letter-spacing:-0.03px;display:inline;\">Stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s8_168\" id=\"t19_168\" style=\"left:511px;bottom:503px;letter-spacing:-0.03px;display:inline;\">Stage 3 </div></td><td colspan=\"1\" rowspan=\"1\">   <div class=\"t s8_168\" id=\"t1b_168\" style=\"left:602px;bottom:503px;letter-spacing:-0.36px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s8_168\" id=\"t16_168\" style=\"left:352px;bottom:489px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s8_168\" id=\"t18_168\" style=\"left:430px;bottom:489px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s8_168\" id=\"t1a_168\" style=\"left:508px;bottom:489px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\">   <div class=\"t s8_168\" id=\"t1c_168\" style=\"left:586px;bottom:489px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1d_168\" style=\"left:65px;bottom:468px;letter-spacing:-0.25px;display:inline;\">Business Finance: </div></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t1e_168\" style=\"left:65px;bottom:449px;letter-spacing:-0.26px;display:inline;\">Strong </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1f_168\" style=\"left:368px;bottom:449px;letter-spacing:-0.26px;display:inline;\">29.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1g_168\" style=\"left:464px;bottom:449px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1h_168\" style=\"left:542px;bottom:449px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1i_168\" style=\"left:602px;bottom:449px;letter-spacing:-0.26px;display:inline;\">29.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1j_168\" style=\"left:65px;bottom:429px;letter-spacing:-0.29px;display:inline;\">Good </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1k_168\" style=\"left:349px;bottom:429px;letter-spacing:-0.25px;display:inline;\">1,051.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1l_168\" style=\"left:446px;bottom:429px;letter-spacing:-0.26px;display:inline;\">54.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1m_168\" style=\"left:531px;bottom:429px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1n_168\" style=\"left:583px;bottom:429px;letter-spacing:-0.25px;display:inline;\">1,107.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t1o_168\" style=\"left:65px;bottom:409px;letter-spacing:-0.24px;display:inline;\">Satisfactory </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1p_168\" style=\"left:360px;bottom:409px;letter-spacing:-0.26px;display:inline;\">298.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1q_168\" style=\"left:438px;bottom:409px;letter-spacing:-0.26px;display:inline;\">141.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1r_168\" style=\"left:524px;bottom:409px;letter-spacing:-0.26px;display:inline;\">25.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1s_168\" style=\"left:594px;bottom:409px;letter-spacing:-0.26px;display:inline;\">465.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t1t_168\" style=\"left:65px;bottom:390px;letter-spacing:-0.37px;display:inline;\">Weak </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1u_168\" style=\"left:386px;bottom:390px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1v_168\" style=\"left:446px;bottom:390px;letter-spacing:-0.26px;display:inline;\">20.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1w_168\" style=\"left:524px;bottom:390px;letter-spacing:-0.26px;display:inline;\">83.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t1x_168\" style=\"left:594px;bottom:390px;letter-spacing:-0.26px;display:inline;\">103.1 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t1y_168\" style=\"left:349px;bottom:370px;letter-spacing:-0.25px;display:inline;\">1,379.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t1z_168\" style=\"left:438px;bottom:370px;letter-spacing:-0.26px;display:inline;\">215.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t20_168\" style=\"left:516px;bottom:370px;letter-spacing:-0.26px;display:inline;\">110.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t21_168\" style=\"left:583px;bottom:370px;letter-spacing:-0.25px;display:inline;\">1,705.7 </div></td></tr>\n                                        </table>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s5_168\" id=\"t22_168\" style=\"left:1049px;bottom:738px;display:inline;\">2025 </div>  </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t23_168\" style=\"left:944px;bottom:719px;letter-spacing:-0.02px;display:inline;\">Stage 1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t25_168\" style=\"left:1022px;bottom:719px;letter-spacing:-0.02px;display:inline;\">Stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t27_168\" style=\"left:1100px;bottom:719px;letter-spacing:-0.02px;display:inline;\">Stage 3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t29_168\" style=\"left:1190px;bottom:719px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t24_168\" style=\"left:939px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t26_168\" style=\"left:1017px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t28_168\" style=\"left:1095px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_168\" id=\"t2a_168\" style=\"left:1173px;bottom:706px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2b_168\" style=\"left:654px;bottom:685px;letter-spacing:-0.26px;display:inline;\">Consumer Finance: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2c_168\" style=\"left:654px;bottom:665px;letter-spacing:-0.29px;display:inline;\">Good </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2d_168\" style=\"left:938px;bottom:665px;letter-spacing:-0.25px;display:inline;\">1,008.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2e_168\" style=\"left:1042px;bottom:665px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2f_168\" style=\"left:1131px;bottom:665px;display:inline;\">\u2013 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2g_168\" style=\"left:1172px;bottom:665px;letter-spacing:-0.25px;display:inline;\">1,010.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t2h_168\" style=\"left:654px;bottom:646px;letter-spacing:-0.24px;display:inline;\">Satisfactory </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2i_168\" style=\"left:949px;bottom:646px;letter-spacing:-0.26px;display:inline;\">632.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2j_168\" style=\"left:1035px;bottom:646px;letter-spacing:-0.26px;display:inline;\">51.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2k_168\" style=\"left:1131px;bottom:646px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2l_168\" style=\"left:1183px;bottom:646px;letter-spacing:-0.26px;display:inline;\">684.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t2m_168\" style=\"left:654px;bottom:626px;letter-spacing:-0.37px;display:inline;\">Weak </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2n_168\" style=\"left:949px;bottom:626px;letter-spacing:-0.26px;display:inline;\">106.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2o_168\" style=\"left:1035px;bottom:626px;letter-spacing:-0.26px;display:inline;\">85.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2p_168\" style=\"left:1113px;bottom:626px;letter-spacing:-0.26px;display:inline;\">48.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t2q_168\" style=\"left:1183px;bottom:626px;letter-spacing:-0.26px;display:inline;\">240.2 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t2r_168\" style=\"left:938px;bottom:606px;letter-spacing:-0.25px;display:inline;\">1,747.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t2s_168\" style=\"left:1027px;bottom:606px;letter-spacing:-0.26px;display:inline;\">138.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t2t_168\" style=\"left:1112px;bottom:606px;letter-spacing:-0.26px;display:inline;\">48.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t2u_168\" style=\"left:1172px;bottom:606px;letter-spacing:-0.25px;display:inline;\">1,934.4 </div></td></tr>\n                                        </table>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s8_168\" id=\"t2v_168\" style=\"left:1051px;bottom:581px;display:inline;\">2024 </div>  </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t2w_168\" style=\"left:944px;bottom:563px;letter-spacing:-0.03px;display:inline;\">Stage 1 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t2y_168\" style=\"left:1022px;bottom:563px;letter-spacing:-0.03px;display:inline;\">Stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t30_168\" style=\"left:1100px;bottom:563px;letter-spacing:-0.03px;display:inline;\">Stage 3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t32_168\" style=\"left:1191px;bottom:563px;letter-spacing:-0.36px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t2x_168\" style=\"left:941px;bottom:549px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t2z_168\" style=\"left:1019px;bottom:549px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t31_168\" style=\"left:1097px;bottom:549px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_168\" id=\"t33_168\" style=\"left:1175px;bottom:549px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t34_168\" style=\"left:654px;bottom:529px;letter-spacing:-0.26px;display:inline;\">Consumer Finance: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t35_168\" style=\"left:654px;bottom:509px;letter-spacing:-0.29px;display:inline;\">Good </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t36_168\" style=\"left:949px;bottom:509px;letter-spacing:-0.26px;display:inline;\">921.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t37_168\" style=\"left:1042px;bottom:509px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t38_168\" style=\"left:1131px;bottom:509px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t39_168\" style=\"left:1183px;bottom:509px;letter-spacing:-0.26px;display:inline;\">926.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t3a_168\" style=\"left:654px;bottom:489px;letter-spacing:-0.24px;display:inline;\">Satisfactory </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3b_168\" style=\"left:949px;bottom:489px;letter-spacing:-0.26px;display:inline;\">768.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3c_168\" style=\"left:1035px;bottom:489px;letter-spacing:-0.26px;display:inline;\">32.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3d_168\" style=\"left:1131px;bottom:489px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3e_168\" style=\"left:1183px;bottom:489px;letter-spacing:-0.26px;display:inline;\">800.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_168\" id=\"t3f_168\" style=\"left:654px;bottom:469px;letter-spacing:-0.37px;display:inline;\">Weak </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3g_168\" style=\"left:949px;bottom:469px;letter-spacing:-0.26px;display:inline;\">135.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3h_168\" style=\"left:1035px;bottom:469px;letter-spacing:-0.26px;display:inline;\">75.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3i_168\" style=\"left:1113px;bottom:469px;letter-spacing:-0.26px;display:inline;\">76.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_168\" id=\"t3j_168\" style=\"left:1183px;bottom:469px;letter-spacing:-0.26px;display:inline;\">287.6 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t3k_168\" style=\"left:938px;bottom:450px;letter-spacing:-0.25px;display:inline;\">1,824.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t3l_168\" style=\"left:1027px;bottom:450px;letter-spacing:-0.26px;display:inline;\">113.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t3m_168\" style=\"left:1112px;bottom:450px;letter-spacing:-0.26px;display:inline;\">76.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_168\" id=\"t3n_168\" style=\"left:1172px;bottom:450px;letter-spacing:-0.25px;display:inline;\">2,014.6 </div></td></tr>\n                                        </table><div></div><div class=\"t s4_169\" id=\"t5_169\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;display:inline;\"><span>Impairment of financial assets and loan commitments accounting policy </span></div><div class=\"t s5_169\" id=\"t6_169\" style=\"left:82px;bottom:680px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">The Group recognises loss allowances for Expected Credit Losses (\u2018ECL\u2019) on all financial assets </div><div class=\"t s6_169\" id=\"t7_169\" style=\"left:82px;bottom:664px;letter-spacing:-0.38px;display:inline;\">carried at amortised cost, including lease receivables and loan commitments. Credit loss </div><div class=\"t s5_169\" id=\"t8_169\" style=\"left:82px;bottom:648px;letter-spacing:-0.38px;display:inline;\">allowances on Stage 1 assets are measured as an amount equal to 12-month ECL and credit loss </div><div class=\"t s5_169\" id=\"t9_169\" style=\"left:82px;bottom:632px;letter-spacing:-0.37px;word-spacing:-0.01px;display:inline;\">allowances on Stage 2, and Stage 3 assets are measured as an amount equal to lifetime ECL. </div><div class=\"t s4_169\" id=\"ta_169\" style=\"left:82px;bottom:609px;letter-spacing:-0.38px;display:inline;\">Stage 1 assets </div><div class=\"t s6_169\" id=\"tb_169\" style=\"left:82px;bottom:589px;letter-spacing:-0.38px;display:inline;\">Stage 1 assets comprise of the following. </div><div class=\"t s6_169\" id=\"tc_169\" style=\"left:82px;bottom:566px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"td_169\" style=\"left:95px;bottom:566px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets determined to have low credit risk at the reporting date. </div><div class=\"t s6_169\" id=\"te_169\" style=\"left:82px;bottom:546px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"tf_169\" style=\"left:95px;bottom:546px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that have not experienced a significant increase in credit risk since their </div><div class=\"t s5_169\" id=\"tg_169\" style=\"left:95px;bottom:530px;letter-spacing:-0.37px;display:inline;\">initial recognition. </div><div class=\"t s6_169\" id=\"th_169\" style=\"left:82px;bottom:510px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"ti_169\" style=\"left:95px;bottom:510px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that have experienced a significant increase in credit risk since their </div><div class=\"t s5_169\" id=\"tj_169\" style=\"left:95px;bottom:494px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">initial recognition, but have subsequently met the Group\u2019s cure policy, as set out on the </div><div class=\"t s6_169\" id=\"tk_169\" style=\"left:95px;bottom:477px;letter-spacing:-0.38px;display:inline;\">following page. </div><div class=\"t s6_169\" id=\"tl_169\" style=\"left:82px;bottom:453px;letter-spacing:-0.38px;word-spacing:-0.02px;display:inline;\">A low credit risk asset is considered to have low credit risk when its credit risk rating is equivalent </div><div class=\"t s5_169\" id=\"tm_169\" style=\"left:82px;bottom:437px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">to the widely understood definition of \u2018investment grade\u2019 assets. This is not applicable to loans </div><div class=\"t s5_169\" id=\"tn_169\" style=\"left:82px;bottom:421px;letter-spacing:-0.38px;display:inline;\">and advances to customers, but the Group has assessed all its debt securities, which represents </div><div class=\"t s6_169\" id=\"to_169\" style=\"left:82px;bottom:405px;letter-spacing:-0.37px;display:inline;\">gilts, to be low credit risk. </div><div class=\"t s4_169\" id=\"tp_169\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">Stage 2 assets </div><div class=\"t s5_169\" id=\"tq_169\" style=\"left:82px;bottom:362px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loans and advances to customers that have experienced a significant increase in credit risk since </div><div class=\"t s5_169\" id=\"tr_169\" style=\"left:82px;bottom:346px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">their initial recognition and have not subsequently met the Group\u2019s cure policy are classified as </div><div class=\"t s6_169\" id=\"ts_169\" style=\"left:82px;bottom:330px;letter-spacing:-0.38px;display:inline;\">Stage 2 assets. </div><div class=\"t s5_169\" id=\"tt_169\" style=\"left:82px;bottom:307px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group\u2019s definitions of a significant increase in credit risk and default are set out on the </div><div class=\"t s6_169\" id=\"tu_169\" style=\"left:82px;bottom:291px;letter-spacing:-0.38px;display:inline;\">following page. </div><div class=\"t s5_169\" id=\"tv_169\" style=\"left:82px;bottom:269px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">For Consumer Finance, the credit risk of a financial asset is considered to have experienced a </div><div class=\"t s6_169\" id=\"tw_169\" style=\"left:82px;bottom:252px;letter-spacing:-0.37px;display:inline;\">significant increase in credit risk since initial recognition where there has been a significant </div><div class=\"t s5_169\" id=\"tx_169\" style=\"left:82px;bottom:236px;letter-spacing:-0.38px;display:inline;\">increase in the remaining lifetime probability of default of the asset. The Group may also use its </div><div class=\"t s5_169\" id=\"ty_169\" style=\"left:82px;bottom:220px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expert credit judgement, and where possible, relevant historical and current performance data, </div><div class=\"t s5_169\" id=\"tz_169\" style=\"left:82px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">including bureau data, to determine that an exposure has undergone a significant increase in </div><div class=\"t s6_169\" id=\"t10_169\" style=\"left:82px;bottom:188px;letter-spacing:-0.37px;display:inline;\">credit risk. </div><div class=\"t s5_169\" id=\"t11_169\" style=\"left:654px;bottom:700px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">For Business Finance, the credit risk of a financial asset is considered to have experienced a </div><div class=\"t s6_169\" id=\"t12_169\" style=\"left:654px;bottom:684px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">significant increase in credit risk where certain early warning indicators apply. These indicators </div><div class=\"t s5_169\" id=\"t13_169\" style=\"left:654px;bottom:668px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">may include notification of county court judgements or, specifically for the Real Estate Finance </div><div class=\"t s5_169\" id=\"t14_169\" style=\"left:654px;bottom:652px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">portfolio, cost over-runs and timing delays experienced by borrowers. </div><div class=\"t s5_169\" id=\"t15_169\" style=\"left:654px;bottom:630px;letter-spacing:-0.37px;display:inline;\">As a backstop, the Group considers that a significant increase in credit risk occurs no later than </div><div class=\"t s6_169\" id=\"t16_169\" style=\"left:654px;bottom:614px;letter-spacing:-0.38px;display:inline;\">when an asset is more than 30 days past due for all portfolios. </div><div class=\"t s4_169\" id=\"t17_169\" style=\"left:654px;bottom:591px;letter-spacing:-0.38px;display:inline;\">Stage 3 assets </div><div class=\"t s5_169\" id=\"t18_169\" style=\"left:654px;bottom:571px;letter-spacing:-0.38px;display:inline;\">At each reporting date, the Group assesses whether financial assets carried at amortised cost </div><div class=\"t s5_169\" id=\"t19_169\" style=\"left:654px;bottom:555px;letter-spacing:-0.37px;display:inline;\">are credit-impaired or defaulted (Stage 3). A financial asset is considered to be credit-impaired </div><div class=\"t s6_169\" id=\"t1a_169\" style=\"left:654px;bottom:539px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">when an event or events that have a detrimental impact on estimated future cash flows have </div><div class=\"t s6_169\" id=\"t1b_169\" style=\"left:654px;bottom:523px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">occurred, or have other specific unlikeliness to pay indicators. Evidence that a financial asset is </div><div class=\"t s5_169\" id=\"t1c_169\" style=\"left:654px;bottom:507px;letter-spacing:-0.38px;display:inline;\">credit-impaired includes the following observable data. </div><div class=\"t s6_169\" id=\"t1d_169\" style=\"left:654px;bottom:484px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1e_169\" style=\"left:667px;bottom:484px;letter-spacing:-0.38px;display:inline;\">Initiation of bankruptcy proceedings. </div><div class=\"t s6_169\" id=\"t1f_169\" style=\"left:654px;bottom:464px;letter-spacing:-0.4px;word-spacing:0.99px;display:inline;\">\u2022 Notification of bereavement. </div><div class=\"t s6_169\" id=\"t1g_169\" style=\"left:654px;bottom:443px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1h_169\" style=\"left:667px;bottom:443px;letter-spacing:-0.37px;display:inline;\">Identification of loan meeting debt sale criteria. </div><div class=\"t s6_169\" id=\"t1i_169\" style=\"left:654px;bottom:423px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1j_169\" style=\"left:667px;bottom:423px;letter-spacing:-0.38px;display:inline;\">Initiation of repossession proceedings. </div><div class=\"t s6_169\" id=\"t1k_169\" style=\"left:654px;bottom:402px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1l_169\" style=\"left:667px;bottom:402px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Customer on an Individual Voluntary Arrangement or Debt Management Plan. </div><div class=\"t s6_169\" id=\"t1m_169\" style=\"left:654px;bottom:382px;letter-spacing:-0.39px;word-spacing:0.23px;display:inline;\">\u2022 A material covenant breach that has remained unremedied for more than 90 days. </div><div class=\"t s5_169\" id=\"t1n_169\" style=\"left:654px;bottom:357px;letter-spacing:-0.37px;display:inline;\">In addition, a loan that is 90 days or more past due is considered credit-impaired for all portfolios. </div><div class=\"t s5_169\" id=\"t1o_169\" style=\"left:654px;bottom:341px;letter-spacing:-0.37px;display:inline;\">The credit risk of financial assets that become credit-impaired will be monitored in line with the </div><div class=\"t s6_169\" id=\"t1p_169\" style=\"left:654px;bottom:325px;letter-spacing:-0.45px;word-spacing:0.08px;display:inline;\">curing policy. </div><div class=\"t s5_169\" id=\"t1q_169\" style=\"left:654px;bottom:303px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">For Commercial Finance facilities that do not have a fixed-term or repayment structure, </div><div class=\"t s5_169\" id=\"t1r_169\" style=\"left:654px;bottom:287px;letter-spacing:-0.38px;display:inline;\">evidence that a financial asset is credit-impaired includes: </div><div class=\"t s6_169\" id=\"t1s_169\" style=\"left:654px;bottom:264px;letter-spacing:-0.38px;word-spacing:0.5px;display:inline;\">\u2022 the client ceasing to trade; or </div><div class=\"t s6_169\" id=\"t1t_169\" style=\"left:654px;bottom:244px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1u_169\" style=\"left:667px;bottom:244px;letter-spacing:-0.38px;display:inline;\">unpaid debtor balances that are dated at least six months past their normal recourse period. </div><div></div><div class=\"t s4_170\" id=\"t5_170\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;display:inline;\">Cure policy </div>\n<div class=\"t s5_170\" id=\"t6_170\" style=\"left:82px;bottom:680px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The credit risk of a financial asset may improve such that it is no longer considered to have </div>\n<div class=\"t s6_170\" id=\"t7_170\" style=\"left:82px;bottom:664px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">experienced a significant increase in credit risk if it meets the Group\u2019s cure policy. The Group\u2019s </div>\n<div class=\"t s5_170\" id=\"t8_170\" style=\"left:82px;bottom:648px;letter-spacing:-0.38px;display:inline;\">cure policy from stage 2 to stage 1 for all portfolios requires sufficient payments to be made </div>\n<div class=\"t s6_170\" id=\"t9_170\" style=\"left:82px;bottom:632px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">to bring an account back within less than 30 days past due and such payments need to be </div>\n<div class=\"t s6_170\" id=\"ta_170\" style=\"left:82px;bottom:616px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">maintained for six consecutive months in Vehicle Finance and three months in Retail Finance. </div>\n<div class=\"t s6_170\" id=\"tb_170\" style=\"left:82px;bottom:600px;letter-spacing:-0.37px;display:inline;\">In addition, an account can cure from stage 2 to stage 1 if the significant increase in credit risk </div>\n<div class=\"t s5_170\" id=\"tc_170\" style=\"left:82px;bottom:584px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">since their initial recognition is not triggered anymore due to improvement in their credit quality </div>\n<div class=\"t s6_170\" id=\"td_170\" style=\"left:82px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">(e.g. loan credit bureau score). </div>\n<div class=\"t s6_170\" id=\"te_170\" style=\"left:82px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group\u2019s cure policy from stage 3 to 2 for all portfolios requires sufficient payments to be </div>\n<div class=\"t s6_170\" id=\"tf_170\" style=\"left:82px;bottom:529px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">made to bring an account back within less than 30 days past due. For Vehicle Finance and Retail </div>\n<div class=\"t s6_170\" id=\"tg_170\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Finance, such non-defaulted status need to be maintained for three consecutive months. </div>\n<div class=\"t s6_170\" id=\"th_170\" style=\"left:82px;bottom:497px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For Real Estate Finance such payments need to be maintained for 12 consecutive months. </div>\n<div class=\"t s4_170\" id=\"ti_170\" style=\"left:82px;bottom:474px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\">Calculation of expected credit loss (\u2018ECL\u2019) </div>\n<div class=\"t s5_170\" id=\"tj_170\" style=\"left:82px;bottom:454px;letter-spacing:-0.38px;display:inline;\">ECL are probability weighted estimates of credit losses that are measured as the present value </div>\n<div class=\"t s6_170\" id=\"tk_170\" style=\"left:82px;bottom:438px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">of all cash shortfalls. Specifically, this is the difference between the contractual cash flows due </div>\n<div class=\"t s6_170\" id=\"tl_170\" style=\"left:82px;bottom:422px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and the cash flows expected to be received, discounted at the original effective interest rate. </div>\n<div class=\"t s6_170\" id=\"tm_170\" style=\"left:82px;bottom:406px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">For undrawn loan commitments, ECL is measured as the difference between the contractual </div>\n<div class=\"t s6_170\" id=\"tn_170\" style=\"left:82px;bottom:390px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">cash flows due if the commitment is drawn and the cash flows expected to be received. </div>\n<div class=\"t s6_170\" id=\"to_170\" style=\"left:82px;bottom:367px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Lifetime ECL is the ECL that results from all possible default events over the expected life of a </div>\n<div class=\"t s5_170\" id=\"tp_170\" style=\"left:82px;bottom:351px;letter-spacing:-0.36px;display:inline;\">financial asset. </div>\n<div class=\"t s6_170\" id=\"tq_170\" style=\"left:82px;bottom:329px;letter-spacing:-0.38px;display:inline;\">12-month ECL is the portion of lifetime ECL that results from default events on a financial asset </div>\n<div class=\"t s5_170\" id=\"tr_170\" style=\"left:82px;bottom:313px;letter-spacing:-0.38px;display:inline;\">that are possible within 12 months after the reporting date. </div>\n<div class=\"t s6_170\" id=\"ts_170\" style=\"left:82px;bottom:290px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">ECL are calculated by multiplying three main components: the Probability of Default (\u2018PD\u2019), </div>\n<div class=\"t s6_170\" id=\"tt_170\" style=\"left:82px;bottom:274px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Exposure At Default (\u2018EAD\u2019) and Loss Given Default (\u2018LGD\u2019) discounted at the original effective </div>\n<div class=\"t s5_170\" id=\"tu_170\" style=\"left:82px;bottom:258px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">interest rate of an asset. These variables are derived from internally developed statistical models </div>\n<div class=\"t s6_170\" id=\"tv_170\" style=\"left:82px;bottom:242px;letter-spacing:-0.38px;display:inline;\">and historical data, adjusted to reflect forward-looking information and are discussed in turn </div>\n<div class=\"t s6_170\" id=\"tw_170\" style=\"left:82px;bottom:226px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">further below. Management adjustments are made to modelled output to account for situations, </div>\n<div class=\"t s6_170\" id=\"tx_170\" style=\"left:82px;bottom:210px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">where known, or expected risk factors that have not been reflected in the modelled outcome. </div>\n<div class=\"t s4_170\" id=\"ty_170\" style=\"left:82px;bottom:187px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Probability of Default (\u2018PD\u2019) and credit risk grades </div>\n<div class=\"t s6_170\" id=\"tz_170\" style=\"left:82px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Credit risk grades are a primary input into the determination of the PD for exposures. The Group </div>\n<div class=\"t s6_170\" id=\"t10_170\" style=\"left:82px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">allocates each exposure to a credit risk grade at origination and at each reporting period to </div>\n<div class=\"t s5_170\" id=\"t11_170\" style=\"left:82px;bottom:135px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">predict the risk of default. Credit risk grades are determined using qualitative and quantitative </div>\n<div class=\"t s5_170\" id=\"t12_170\" style=\"left:654px;bottom:700px;letter-spacing:-0.37px;display:inline;\">factors that are indicative of the risk of default e.g. arrears status and loan credit bureau score. </div>\n<div class=\"t s6_170\" id=\"t13_170\" style=\"left:654px;bottom:684px;letter-spacing:-0.38px;display:inline;\">These factors vary for each loan portfolio. Exposures are subject to ongoing monitoring, which </div>\n<div class=\"t s6_170\" id=\"t14_170\" style=\"left:654px;bottom:668px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">may result in an exposure being moved to a different credit risk grade. In monitoring exposures </div>\n<div class=\"t s5_170\" id=\"t15_170\" style=\"left:654px;bottom:652px;letter-spacing:-0.38px;display:inline;\">information, such as payment records and forecast changes in economic conditions are </div>\n<div class=\"t s6_170\" id=\"t16_170\" style=\"left:654px;bottom:636px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">considered for Consumer Finance. Additionally, for Business Finance portfolios information </div>\n<div class=\"t s6_170\" id=\"t17_170\" style=\"left:654px;bottom:620px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">obtained during periodic client reviews, for example, audited financial statements, management </div>\n<div class=\"t s6_170\" id=\"t18_170\" style=\"left:654px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">accounts, budgets and projections are considered, with particular focus on key ratios, compliance </div>\n<div class=\"t s5_170\" id=\"t19_170\" style=\"left:654px;bottom:588px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">with covenants and changes in senior management teams. </div>\n<div class=\"t s6_170\" id=\"t1a_170\" style=\"left:654px;bottom:565px;letter-spacing:-0.38px;display:inline;\">Emergence curves modelling is used in the production of forward-looking lifetime PDs. </div>\n<div class=\"t s5_170\" id=\"t1b_170\" style=\"left:654px;bottom:549px;letter-spacing:-0.38px;display:inline;\">This method defines the way that debt emerges for differing quality accounts and their time on </div>\n<div class=\"t s5_170\" id=\"t1c_170\" style=\"left:654px;bottom:533px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the books creating a clean relationship to best demonstrate the movement in default rates as </div>\n<div class=\"t s6_170\" id=\"t1d_170\" style=\"left:654px;bottom:517px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">macroeconomic variables are changed. These models are extrapolated to provide PD estimates </div>\n<div class=\"t s5_170\" id=\"t1e_170\" style=\"left:654px;bottom:501px;letter-spacing:-0.38px;display:inline;\">for the future, based on forecasted economic scenarios. </div>\n<div class=\"t s4_170\" id=\"t1f_170\" style=\"left:654px;bottom:479px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Exposure at Default (\u2018EAD\u2019) </div>\n<div class=\"t s6_170\" id=\"t1g_170\" style=\"left:654px;bottom:458px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">EAD represents the expected exposure in the event of a default. EAD is derived from the current </div>\n<div class=\"t s6_170\" id=\"t1h_170\" style=\"left:654px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">exposure and potential changes to the current amount allowed under the terms of the contract, </div>\n<div class=\"t s6_170\" id=\"t1i_170\" style=\"left:654px;bottom:426px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">including amortisation overpayments and early terminations. The EAD of a financial asset is its </div>\n<div class=\"t s6_170\" id=\"t1j_170\" style=\"left:654px;bottom:410px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">gross carrying amount. For loan commitments, the EAD includes the amount drawn, as well as </div>\n<div class=\"t s5_170\" id=\"t1k_170\" style=\"left:654px;bottom:394px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">potential future amounts that may be drawn under the terms of the contract, estimated based </div>\n<div class=\"t s6_170\" id=\"t1l_170\" style=\"left:654px;bottom:378px;letter-spacing:-0.38px;display:inline;\">on historical observations and forward-looking forecasts. </div>\n<div class=\"t s6_170\" id=\"t1m_170\" style=\"left:654px;bottom:356px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For Commercial Finance facilities that have no specific term, an assumption is made that </div>\n<div class=\"t s5_170\" id=\"t1n_170\" style=\"left:654px;bottom:340px;letter-spacing:-0.37px;display:inline;\">accounts close 36 months after the reporting date for the purposes of measuring lifetime ECL. </div>\n<div class=\"t s6_170\" id=\"t1o_170\" style=\"left:654px;bottom:324px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">This assumption is based on industry experience of average client life. These facilities do not have </div>\n<div class=\"t s6_170\" id=\"t1p_170\" style=\"left:654px;bottom:308px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">a fixed-term or repayment structure, but are revolving and increase or decrease to reflect the </div>\n<div class=\"t s6_170\" id=\"t1q_170\" style=\"left:654px;bottom:291px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">value of the collateral i.e. receivables or inventory. The Group can cancel the facilities with </div>\n<div class=\"t s6_170\" id=\"t1r_170\" style=\"left:654px;bottom:275px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">immediate effect, although this contractual right is not enforced in the normal day-to-day </div>\n<div class=\"t s5_170\" id=\"t1s_170\" style=\"left:654px;bottom:259px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">management of the facility. Typically, demand would only be made on the failure of a client </div>\n<div class=\"t s6_170\" id=\"t1t_170\" style=\"left:654px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">business or in the event of a material event of default, such as a fraud. In the normal course of </div>\n<div class=\"t s6_170\" id=\"t1u_170\" style=\"left:654px;bottom:227px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">events, the Group\u2019s exposure is recovered through receipt of remittances from the client\u2019s </div>\n<div class=\"t s5_170\" id=\"t1v_170\" style=\"left:654px;bottom:211px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">debtors rather than from the client itself. </div>\n<div class=\"t s5_170\" id=\"t1w_170\" style=\"left:654px;bottom:189px;letter-spacing:-0.38px;display:inline;\">The ECL for such facilities is estimated taking into account the credit risk management actions </div>\n<div class=\"t s6_170\" id=\"t1x_170\" style=\"left:654px;bottom:173px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">that the Group expects to take to mitigate against losses. These include a reduction in advance </div>\n<div class=\"t s5_170\" id=\"t1y_170\" style=\"left:654px;bottom:157px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">rate and facility limits or application of reserves against a facility to improve the likelihood of full </div>\n<div class=\"t s6_170\" id=\"t1z_170\" style=\"left:654px;bottom:141px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">recovery of exposure from the debtors. </div><div></div><div class=\"t s4_171\" id=\"t5_171\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Alternative recovery routes mitigating ECL would include refinancing by another funding </div><div class=\"t s4_171\" id=\"t6_171\" style=\"left:82px;bottom:684px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">provider, taking security over other asset classes or secured personal guarantees from the </div><div class=\"t s5_171\" id=\"t7_171\" style=\"left:82px;bottom:668px;letter-spacing:-0.37px;display:inline;\">client\u2019s principals. </div><div class=\"t s6_171\" id=\"t8_171\" style=\"left:82px;bottom:646px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\">Loss Given Default (\u2018LGD\u2019) </div><div class=\"t s5_171\" id=\"t9_171\" style=\"left:82px;bottom:625px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">LGD is the magnitude of the likely loss in the event of default. This takes into account recoveries </div><div class=\"t s4_171\" id=\"ta_171\" style=\"left:82px;bottom:609px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">either through curing or, where applicable, through the auction sale of repossessed collateral and </div><div class=\"t s5_171\" id=\"tb_171\" style=\"left:82px;bottom:593px;letter-spacing:-0.53px;word-spacing:0.02px;display:inline;\">debt sale of the residual shortfall amount. For loans secured by real estate property, loan-to-value </div><div class=\"t s5_171\" id=\"tc_171\" style=\"left:82px;bottom:577px;letter-spacing:-0.55px;word-spacing:0.03px;display:inline;\">ratios are key parameters in determining LGD. LGDs are calculated on a discounted cash flow basis </div><div class=\"t s5_171\" id=\"td_171\" style=\"left:82px;bottom:561px;letter-spacing:-0.52px;word-spacing:0.02px;display:inline;\">using the financial instrument\u2019s origination effective interest rate as the discount factor. </div><div class=\"t s6_171\" id=\"te_171\" style=\"left:82px;bottom:539px;letter-spacing:-0.39px;display:inline;\">Incorporation of forward-looking data </div><div class=\"t s5_171\" id=\"tf_171\" style=\"left:82px;bottom:518px;letter-spacing:-0.38px;display:inline;\">The Group incorporates forward-looking information into both its assessment of whether the </div><div class=\"t s4_171\" id=\"tg_171\" style=\"left:82px;bottom:502px;letter-spacing:-0.37px;display:inline;\">credit risk of a financial asset has increased significantly since initial recognition and its </div><div class=\"t s4_171\" id=\"th_171\" style=\"left:82px;bottom:486px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">measurement of ECL. This is achieved by developing a number of potential economic scenarios </div><div class=\"t s5_171\" id=\"ti_171\" style=\"left:82px;bottom:470px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">and modelling ECLs for each scenario. To ensure material non-linear relationships between </div><div class=\"t s4_171\" id=\"tj_171\" style=\"left:82px;bottom:454px;letter-spacing:-0.37px;display:inline;\">economic factors and credit losses are reflected in the calculation of ECL, a severe stress </div><div class=\"t s4_171\" id=\"tk_171\" style=\"left:82px;bottom:438px;letter-spacing:-0.38px;display:inline;\">scenario is used as one of these scenarios. The outputs from each scenario are combined using </div><div class=\"t s5_171\" id=\"tl_171\" style=\"left:82px;bottom:422px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the estimated likelihood of each scenario occurring to derive a probability weighted expected </div><div class=\"t s4_171\" id=\"tm_171\" style=\"left:82px;bottom:406px;letter-spacing:-0.38px;display:inline;\">credit loss. The four scenarios adopted and probability weighting applied are set out on </div><div class=\"t s5_171\" id=\"tn_171\" style=\"left:82px;bottom:390px;letter-spacing:-0.39px;display:inline;\">page 170. </div><div class=\"t s5_171\" id=\"to_171\" style=\"left:82px;bottom:367px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group considers that the key drivers of credit risk and credit losses included in the </div><div class=\"t s5_171\" id=\"tp_171\" style=\"left:82px;bottom:351px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">macroeconomic scenarios are annual unemployment rate growth, annual house price index </div><div class=\"t s5_171\" id=\"tq_171\" style=\"left:82px;bottom:335px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">growth, consumer price index (\u2018CPI\u2019), Bank of England Base Rate, and debt service ratio. </div><div class=\"t s5_171\" id=\"tr_171\" style=\"left:82px;bottom:319px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Base case assumptions applied for each of these variables have been sourced from external </div><div class=\"t s5_171\" id=\"ts_171\" style=\"left:82px;bottom:303px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">consensus or Bank of England forecasts. Further details of the assumptions applied to other </div><div class=\"t s5_171\" id=\"tt_171\" style=\"left:82px;bottom:287px;letter-spacing:-0.38px;display:inline;\">scenarios are presented on page 170. </div><div class=\"t s6_171\" id=\"tu_171\" style=\"left:82px;bottom:265px;letter-spacing:-0.39px;display:inline;\">Expert credit judgements </div><div class=\"t s5_171\" id=\"tv_171\" style=\"left:82px;bottom:244px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The impairment charge comprises modelled ECLs and expert credit judgements. Where the ECL </div><div class=\"t s5_171\" id=\"tw_171\" style=\"left:82px;bottom:228px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modelled output does not reflect the level of credit risk, judgement is used to calculate expert </div><div class=\"t s5_171\" id=\"tx_171\" style=\"left:82px;bottom:212px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">credit judgements, which are overlaid onto the output from the models. </div><div class=\"t s6_171\" id=\"ty_171\" style=\"left:82px;bottom:190px;letter-spacing:-0.39px;display:inline;\">Presentation of loss allowance </div><div class=\"t s5_171\" id=\"tz_171\" style=\"left:82px;bottom:169px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loss allowances for ECLs and expert credit judgements are presented in the statement of </div><div class=\"t s5_171\" id=\"t10_171\" style=\"left:82px;bottom:153px;letter-spacing:-0.38px;display:inline;\">financial position as follows with the loss recognised in the income statement: </div><div class=\"t s4_171\" id=\"t11_171\" style=\"left:654px;bottom:700px;display:inline;\">\u2022 </div><div class=\"t s5_171\" id=\"t12_171\" style=\"left:667px;bottom:700px;letter-spacing:-0.38px;display:inline;\">Financial assets measured at amortised cost: as a deduction from the gross carrying amount of </div><div class=\"t s4_171\" id=\"t13_171\" style=\"left:667px;bottom:684px;letter-spacing:-0.37px;display:inline;\">the assets. </div><div class=\"t s4_171\" id=\"t14_171\" style=\"left:654px;bottom:664px;display:inline;\">\u2022 </div><div class=\"t s5_171\" id=\"t15_171\" style=\"left:667px;bottom:664px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">Other loan commitments: generally, as a provision. </div><div class=\"t s5_171\" id=\"t16_171\" style=\"left:654px;bottom:639px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the Real Estate Finance and Commercial Finance portfolios, where a loan facility is agreed </div><div class=\"t s5_171\" id=\"t17_171\" style=\"left:654px;bottom:623px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">that includes both drawn and undrawn elements and the Group cannot identify the ECL on </div><div class=\"t s5_171\" id=\"t18_171\" style=\"left:654px;bottom:607px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">the loan commitment separately, a combined loss allowance for both drawn and undrawn </div><div class=\"t s4_171\" id=\"t19_171\" style=\"left:654px;bottom:591px;letter-spacing:-0.38px;display:inline;\">components of the loan is presented as a deduction from the gross carrying amount of the </div><div class=\"t s5_171\" id=\"t1a_171\" style=\"left:654px;bottom:575px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">drawn component, with any excess of the loss allowance over the gross drawn amount presented </div><div class=\"t s5_171\" id=\"t1b_171\" style=\"left:654px;bottom:559px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">as a provision. </div><div class=\"t s4_171\" id=\"t1c_171\" style=\"left:654px;bottom:536px;letter-spacing:-0.37px;display:inline;\">When a loan is uncollectible, it is written off against the related ECL allowance. Such loans are </div><div class=\"t s4_171\" id=\"t1d_171\" style=\"left:654px;bottom:520px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">written off after all necessary procedures have been completed and the amount of the loss has </div><div class=\"t s4_171\" id=\"t1e_171\" style=\"left:654px;bottom:504px;letter-spacing:-0.39px;display:inline;\">been determined. </div><div class=\"t s6_171\" id=\"t1f_171\" style=\"left:654px;bottom:482px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">Vehicle Finance voluntary termination provision </div><div class=\"t s5_171\" id=\"t1g_171\" style=\"left:654px;bottom:461px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In addition to recognising allowances for ECLs, the Group holds a provision for Voluntary </div><div class=\"t s5_171\" id=\"t1h_171\" style=\"left:654px;bottom:445px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Terminations (\u2018VT\u2019) for all Vehicle Finance financial assets. VT is a legal right provided to </div><div class=\"t s4_171\" id=\"t1i_171\" style=\"left:654px;bottom:429px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">customers who take out hire purchase agreements. The provision is calculated by multiplying </div><div class=\"t s5_171\" id=\"t1j_171\" style=\"left:654px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the probability of VT of an asset by the expected shortfall on VT discounted back at the original </div><div class=\"t s5_171\" id=\"t1k_171\" style=\"left:654px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">effective interest rate of the asset. VT allowances are not held against loans in default (Stage </div><div class=\"t s5_171\" id=\"t1l_171\" style=\"left:654px;bottom:381px;letter-spacing:-0.36px;display:inline;\">3 loans). </div><div class=\"t s5_171\" id=\"t1m_171\" style=\"left:654px;bottom:359px;letter-spacing:-0.38px;display:inline;\">The VT provision is presented in the statement of financial position as a deduction from the gross </div><div class=\"t s5_171\" id=\"t1n_171\" style=\"left:654px;bottom:343px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">carrying amount of Vehicle Finance assets with the loss recognised in the income statement. </div><div class=\"t s6_171\" id=\"t1o_171\" style=\"left:654px;bottom:320px;letter-spacing:-0.39px;display:inline;\">Write-off </div><div class=\"t s5_171\" id=\"t1p_171\" style=\"left:654px;bottom:300px;letter-spacing:-0.38px;display:inline;\">Loans and advances to customers are written off partially or in full when the Group has </div><div class=\"t s5_171\" id=\"t1q_171\" style=\"left:654px;bottom:284px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">exhausted all viable recovery options. The majority of write-offs arise from Debt Relief Orders, </div><div class=\"t s5_171\" id=\"t1r_171\" style=\"left:654px;bottom:268px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">insolvencies, Individual Voluntary Arrangements, deceased customers where there is no estate </div><div class=\"t s4_171\" id=\"t1s_171\" style=\"left:654px;bottom:252px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and vulnerable customers in certain circumstances. Amounts subsequently recovered on assets </div><div class=\"t s4_171\" id=\"t1t_171\" style=\"left:654px;bottom:236px;letter-spacing:-0.38px;display:inline;\">previously written off are recognised in the impairment charge in the income statement. </div><div class=\"t s6_171\" id=\"t1u_171\" style=\"left:654px;bottom:213px;letter-spacing:-0.41px;word-spacing:0.01px;display:inline;\">Intercompany receivables </div><div class=\"t s5_171\" id=\"t1v_171\" style=\"left:654px;bottom:193px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The parent company\u2019s expected credit loss on amounts due from related companies is calculated </div><div class=\"t s4_171\" id=\"t1w_171\" style=\"left:654px;bottom:177px;letter-spacing:-0.38px;display:inline;\">by applying probability of default and loss given default to the amount outstanding at the </div><div class=\"t s5_171\" id=\"t1x_171\" style=\"left:654px;bottom:161px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>year-end. See Note 26 for further details.</span> </div><div></div><div class=\"t s4_172\" id=\"t5_172\" style=\"left:82px;bottom:698px;letter-spacing:-0.2px;word-spacing:0.02px;display:inline;\"><span>17.1. Key sources of estimation uncertainty </span></div><div class=\"t s5_172\" id=\"t6_172\" style=\"left:82px;bottom:679px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Estimations that could have a material impact on the Group\u2019s financial results and are, therefore, </div><div class=\"t s6_172\" id=\"t7_172\" style=\"left:82px;bottom:663px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">considered to be key sources of estimation uncertainty all relate to the impairment charge on </div><div class=\"t s6_172\" id=\"t8_172\" style=\"left:82px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">loans and advances to customers and are, therefore, set out below. The potential impact of the </div><div class=\"t s6_172\" id=\"t9_172\" style=\"left:82px;bottom:631px;letter-spacing:-0.39px;display:inline;\">current macroeconomic environment has been considered in determining reasonably possible </div><div class=\"t s5_172\" id=\"ta_172\" style=\"left:82px;bottom:615px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">changes in key sources of estimation uncertainty that may occur in the next 12 months. </div><div class=\"t s5_172\" id=\"tb_172\" style=\"left:82px;bottom:598px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The determination of both the PD and LGD require estimation, which is discussed further below. </div><div class=\"t s7_172\" id=\"tc_172\" style=\"left:82px;bottom:576px;letter-spacing:-0.39px;display:inline;\">17.1.1. Incorporation of forward-looking data </div><div class=\"t s5_172\" id=\"td_172\" style=\"left:82px;bottom:556px;letter-spacing:-0.38px;display:inline;\">The Group incorporates forward-looking information into both its assessment of whether the </div><div class=\"t s6_172\" id=\"te_172\" style=\"left:82px;bottom:540px;letter-spacing:-0.37px;display:inline;\">credit risk of a financial asset has increased significantly since initial recognition and its </div><div class=\"t s5_172\" id=\"tf_172\" style=\"left:82px;bottom:523px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">measurement of expected credit loss by developing a number of potential economic scenarios </div><div class=\"t s5_172\" id=\"tg_172\" style=\"left:82px;bottom:507px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and modelling expected credit losses for each scenario. Further detail on this process is provided </div><div class=\"t s5_172\" id=\"th_172\" style=\"left:82px;bottom:491px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">on page 169. The macroeconomic scenarios used were provided by external economic advisers. </div><div class=\"t s5_172\" id=\"ti_172\" style=\"left:82px;bottom:475px;letter-spacing:-0.38px;display:inline;\">The scenarios and weightings applied are summarised below: </div><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tj_172\" style=\"left:82px;bottom:452px;display:inline;\">December 2025 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">    \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"tk_172\" style=\"left:364px;bottom:452px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK unemployment rate \u2013 Annual Average </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tn_172\" style=\"left:366px;bottom:434px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tp_172\" style=\"left:444px;bottom:434px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tr_172\" style=\"left:522px;bottom:434px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tt_172\" style=\"left:559px;bottom:434px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tl_172\" style=\"left:82px;bottom:420px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"tm_172\" style=\"left:255px;bottom:420px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"to_172\" style=\"left:384px;bottom:420px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"tq_172\" style=\"left:462px;bottom:420px;display:inline;\">% </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"ts_172\" style=\"left:540px;bottom:420px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"tu_172\" style=\"left:618px;bottom:420px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"tv_172\" style=\"left:82px;bottom:400px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"tw_172\" style=\"left:289px;bottom:400px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"tx_172\" style=\"left:375px;bottom:400px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"ty_172\" style=\"left:453px;bottom:400px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"tz_172\" style=\"left:531px;bottom:400px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t10_172\" style=\"left:609px;bottom:400px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t11_172\" style=\"left:82px;bottom:380px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t12_172\" style=\"left:289px;bottom:380px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t13_172\" style=\"left:375px;bottom:380px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t14_172\" style=\"left:453px;bottom:380px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t15_172\" style=\"left:531px;bottom:380px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t16_172\" style=\"left:609px;bottom:380px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t17_172\" style=\"left:82px;bottom:360px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t18_172\" style=\"left:289px;bottom:360px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t19_172\" style=\"left:375px;bottom:360px;letter-spacing:-0.25px;display:inline;\">5.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1a_172\" style=\"left:453px;bottom:360px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1b_172\" style=\"left:531px;bottom:360px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1c_172\" style=\"left:609px;bottom:360px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t1d_172\" style=\"left:82px;bottom:340px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1e_172\" style=\"left:297px;bottom:340px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1f_172\" style=\"left:375px;bottom:340px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1g_172\" style=\"left:453px;bottom:340px;letter-spacing:-0.25px;display:inline;\">7.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1h_172\" style=\"left:531px;bottom:340px;letter-spacing:-0.25px;display:inline;\">7.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1i_172\" style=\"left:609px;bottom:340px;letter-spacing:-0.25px;display:inline;\">7.1 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"t1j_172\" style=\"left:362px;bottom:312px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK HPI \u2013 movement from December 2025 </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1m_172\" style=\"left:366px;bottom:294px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1o_172\" style=\"left:444px;bottom:294px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1q_172\" style=\"left:522px;bottom:294px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1s_172\" style=\"left:559px;bottom:294px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1k_172\" style=\"left:82px;bottom:280px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t1l_172\" style=\"left:255px;bottom:280px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1n_172\" style=\"left:384px;bottom:280px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1p_172\" style=\"left:462px;bottom:280px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1r_172\" style=\"left:540px;bottom:280px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t1t_172\" style=\"left:618px;bottom:280px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t1u_172\" style=\"left:82px;bottom:260px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1v_172\" style=\"left:289px;bottom:260px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1w_172\" style=\"left:375px;bottom:260px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1x_172\" style=\"left:445px;bottom:260px;letter-spacing:-0.26px;display:inline;\">10.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t1y_172\" style=\"left:523px;bottom:260px;letter-spacing:-0.26px;display:inline;\">17.9 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t1z_172\" style=\"left:609px;bottom:260px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t20_172\" style=\"left:82px;bottom:240px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t21_172\" style=\"left:289px;bottom:240px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t22_172\" style=\"left:375px;bottom:240px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t23_172\" style=\"left:453px;bottom:240px;letter-spacing:-0.25px;display:inline;\">5.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t24_172\" style=\"left:523px;bottom:240px;letter-spacing:-0.26px;display:inline;\">10.8 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t25_172\" style=\"left:609px;bottom:240px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t26_172\" style=\"left:82px;bottom:220px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t27_172\" style=\"left:289px;bottom:220px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t28_172\" style=\"left:371px;bottom:220px;letter-spacing:-0.23px;display:inline;\">(5.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t29_172\" style=\"left:449px;bottom:220px;letter-spacing:-0.23px;display:inline;\">(7.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2a_172\" style=\"left:527px;bottom:220px;letter-spacing:-0.23px;display:inline;\">(7.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2b_172\" style=\"left:609px;bottom:220px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t2c_172\" style=\"left:82px;bottom:200px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2d_172\" style=\"left:297px;bottom:200px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2e_172\" style=\"left:363px;bottom:200px;letter-spacing:-0.24px;display:inline;\">(11.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2f_172\" style=\"left:441px;bottom:200px;letter-spacing:-0.24px;display:inline;\">(17.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2g_172\" style=\"left:519px;bottom:200px;letter-spacing:-0.24px;display:inline;\">(21.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2h_172\" style=\"left:605px;bottom:200px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"t2i_172\" style=\"left:362px;bottom:172px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK CPI \u2013 movement from December 2025 </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2l_172\" style=\"left:366px;bottom:154px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2n_172\" style=\"left:444px;bottom:154px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2p_172\" style=\"left:522px;bottom:154px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2r_172\" style=\"left:559px;bottom:154px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2j_172\" style=\"left:82px;bottom:140px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t2k_172\" style=\"left:255px;bottom:140px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2m_172\" style=\"left:384px;bottom:140px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2o_172\" style=\"left:462px;bottom:140px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2q_172\" style=\"left:540px;bottom:140px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t2s_172\" style=\"left:618px;bottom:140px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t2t_172\" style=\"left:82px;bottom:120px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2u_172\" style=\"left:289px;bottom:120px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2v_172\" style=\"left:375px;bottom:120px;letter-spacing:-0.25px;display:inline;\">3.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t2w_172\" style=\"left:453px;bottom:120px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t2x_172\" style=\"left:531px;bottom:120px;letter-spacing:-0.25px;display:inline;\">9.8 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t2y_172\" style=\"left:609px;bottom:120px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t2z_172\" style=\"left:82px;bottom:100px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t30_172\" style=\"left:289px;bottom:100px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t31_172\" style=\"left:375px;bottom:100px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t32_172\" style=\"left:453px;bottom:100px;letter-spacing:-0.25px;display:inline;\">5.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t33_172\" style=\"left:531px;bottom:100px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t34_172\" style=\"left:609px;bottom:100px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t35_172\" style=\"left:82px;bottom:80px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t36_172\" style=\"left:289px;bottom:80px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t37_172\" style=\"left:375px;bottom:80px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t38_172\" style=\"left:453px;bottom:80px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t39_172\" style=\"left:531px;bottom:80px;letter-spacing:-0.25px;display:inline;\">4.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3a_172\" style=\"left:609px;bottom:80px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t3b_172\" style=\"left:82px;bottom:61px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3c_172\" style=\"left:297px;bottom:61px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3d_172\" style=\"left:375px;bottom:61px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3e_172\" style=\"left:453px;bottom:61px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3f_172\" style=\"left:531px;bottom:61px;letter-spacing:-0.25px;display:inline;\">2.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3g_172\" style=\"left:609px;bottom:61px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td></tr>\n                                        </table>\n<div class=\"t s8_172\" id=\"t3h_172\" style=\"left:654px;bottom:695px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\"> </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s8_172\" id=\"t3i_172\" style=\"left:961px;bottom:695px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK Base Rate \u2013 Annual Average </div>  </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3l_172\" style=\"left:938px;bottom:676px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3n_172\" style=\"left:1016px;bottom:676px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3p_172\" style=\"left:1094px;bottom:676px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3r_172\" style=\"left:1131px;bottom:676px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3j_172\" style=\"left:654px;bottom:662px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t3k_172\" style=\"left:827px;bottom:662px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3m_172\" style=\"left:956px;bottom:662px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3o_172\" style=\"left:1034px;bottom:662px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3q_172\" style=\"left:1112px;bottom:662px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t3s_172\" style=\"left:1190px;bottom:662px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t3t_172\" style=\"left:654px;bottom:642px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t3u_172\" style=\"left:861px;bottom:642px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3v_172\" style=\"left:947px;bottom:642px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3w_172\" style=\"left:1025px;bottom:642px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3x_172\" style=\"left:1103px;bottom:642px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t3y_172\" style=\"left:1181px;bottom:642px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t3z_172\" style=\"left:654px;bottom:622px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t40_172\" style=\"left:861px;bottom:622px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t41_172\" style=\"left:947px;bottom:622px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t42_172\" style=\"left:1025px;bottom:622px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t43_172\" style=\"left:1103px;bottom:622px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t44_172\" style=\"left:1181px;bottom:622px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t45_172\" style=\"left:654px;bottom:603px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t46_172\" style=\"left:861px;bottom:603px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t47_172\" style=\"left:947px;bottom:603px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t48_172\" style=\"left:1025px;bottom:603px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t49_172\" style=\"left:1103px;bottom:603px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t4a_172\" style=\"left:1181px;bottom:603px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t4b_172\" style=\"left:654px;bottom:583px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4c_172\" style=\"left:869px;bottom:583px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t4d_172\" style=\"left:947px;bottom:583px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4e_172\" style=\"left:1025px;bottom:583px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4f_172\" style=\"left:1103px;bottom:583px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4g_172\" style=\"left:1181px;bottom:583px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s8_172\" id=\"t4h_172\" style=\"left:941px;bottom:555px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK debt service ratio \u2013 Annual Average </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4k_172\" style=\"left:938px;bottom:536px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4m_172\" style=\"left:1016px;bottom:536px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4o_172\" style=\"left:1094px;bottom:536px;display:inline;\">2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4q_172\" style=\"left:1131px;bottom:536px;letter-spacing:-0.29px;word-spacing:0.27px;display:inline;\">5-Yr Average </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4i_172\" style=\"left:654px;bottom:523px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t4j_172\" style=\"left:827px;bottom:523px;letter-spacing:-0.04px;display:inline;\">Weightings </div> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4l_172\" style=\"left:956px;bottom:523px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4n_172\" style=\"left:1034px;bottom:523px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4p_172\" style=\"left:1112px;bottom:523px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_172\" id=\"t4r_172\" style=\"left:1190px;bottom:523px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t4s_172\" style=\"left:654px;bottom:502px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4t_172\" style=\"left:861px;bottom:502px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4u_172\" style=\"left:947px;bottom:502px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4v_172\" style=\"left:1025px;bottom:502px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t4w_172\" style=\"left:1103px;bottom:502px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4x_172\" style=\"left:1181px;bottom:502px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t4y_172\" style=\"left:654px;bottom:482px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t4z_172\" style=\"left:861px;bottom:482px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t50_172\" style=\"left:947px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t51_172\" style=\"left:1025px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t52_172\" style=\"left:1103px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t53_172\" style=\"left:1181px;bottom:482px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t54_172\" style=\"left:654px;bottom:463px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t55_172\" style=\"left:861px;bottom:463px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t56_172\" style=\"left:947px;bottom:463px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t57_172\" style=\"left:1025px;bottom:463px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t58_172\" style=\"left:1103px;bottom:463px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t59_172\" style=\"left:1181px;bottom:463px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5a_172\" style=\"left:654px;bottom:443px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t5b_172\" style=\"left:869px;bottom:443px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t5c_172\" style=\"left:947px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_172\" id=\"t5d_172\" style=\"left:1025px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t5e_172\" style=\"left:1103px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_172\" id=\"t5f_172\" style=\"left:1181px;bottom:443px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td></tr>\n                                        </table><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t5g_172\" style=\"left:654px;bottom:415px;display:inline;\">December 2024 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t sc_172\" id=\"t5h_172\" style=\"left:940px;bottom:415px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK unemployment rate \u2013 Annual Average </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5k_172\" style=\"left:938px;bottom:396px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5m_172\" style=\"left:1016px;bottom:396px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t5o_172\" style=\"left:1094px;bottom:396px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t5q_172\" style=\"left:1133px;bottom:396px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t5i_172\" style=\"left:654px;bottom:383px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5j_172\" style=\"left:828px;bottom:383px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5l_172\" style=\"left:956px;bottom:383px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5n_172\" style=\"left:1034px;bottom:383px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5p_172\" style=\"left:1112px;bottom:383px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t5r_172\" style=\"left:1190px;bottom:383px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5s_172\" style=\"left:654px;bottom:362px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5t_172\" style=\"left:861px;bottom:362px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5u_172\" style=\"left:947px;bottom:362px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5v_172\" style=\"left:1025px;bottom:362px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5w_172\" style=\"left:1103px;bottom:362px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t5x_172\" style=\"left:1181px;bottom:362px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5y_172\" style=\"left:654px;bottom:343px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t5z_172\" style=\"left:861px;bottom:343px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t60_172\" style=\"left:947px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t61_172\" style=\"left:1025px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t62_172\" style=\"left:1103px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t63_172\" style=\"left:1181px;bottom:343px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t64_172\" style=\"left:654px;bottom:323px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t65_172\" style=\"left:861px;bottom:323px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t66_172\" style=\"left:947px;bottom:323px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t67_172\" style=\"left:1025px;bottom:323px;letter-spacing:-0.25px;display:inline;\">6.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t68_172\" style=\"left:1103px;bottom:323px;letter-spacing:-0.25px;display:inline;\">6.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t69_172\" style=\"left:1181px;bottom:323px;letter-spacing:-0.25px;display:inline;\">6.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6a_172\" style=\"left:654px;bottom:303px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6b_172\" style=\"left:869px;bottom:303px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6c_172\" style=\"left:947px;bottom:303px;letter-spacing:-0.25px;display:inline;\">5.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6d_172\" style=\"left:1025px;bottom:303px;letter-spacing:-0.25px;display:inline;\">6.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6e_172\" style=\"left:1103px;bottom:303px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6f_172\" style=\"left:1181px;bottom:303px;letter-spacing:-0.25px;display:inline;\">6.8 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t sc_172\" id=\"t6g_172\" style=\"left:937px;bottom:275px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK HPI \u2013 movement from December 2024 </div>   </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6j_172\" style=\"left:938px;bottom:257px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6l_172\" style=\"left:1016px;bottom:257px;display:inline;\">2026 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t6n_172\" style=\"left:1094px;bottom:257px;display:inline;\">2027 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_172\" id=\"t6p_172\" style=\"left:1133px;bottom:257px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_172\" id=\"t6h_172\" style=\"left:654px;bottom:243px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6i_172\" style=\"left:828px;bottom:243px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6k_172\" style=\"left:956px;bottom:243px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6m_172\" style=\"left:1034px;bottom:243px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6o_172\" style=\"left:1112px;bottom:243px;display:inline;\">% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sd_172\" id=\"t6q_172\" style=\"left:1190px;bottom:243px;display:inline;\">% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6r_172\" style=\"left:654px;bottom:222px;letter-spacing:-0.26px;display:inline;\">Upside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6s_172\" style=\"left:861px;bottom:222px;letter-spacing:-0.3px;display:inline;\">20% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6t_172\" style=\"left:947px;bottom:222px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6u_172\" style=\"left:1025px;bottom:222px;letter-spacing:-0.25px;display:inline;\">7.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6v_172\" style=\"left:1095px;bottom:222px;letter-spacing:-0.26px;display:inline;\">13.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6w_172\" style=\"left:1181px;bottom:222px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6x_172\" style=\"left:654px;bottom:203px;letter-spacing:-0.27px;display:inline;\">Base </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t6y_172\" style=\"left:861px;bottom:203px;letter-spacing:-0.3px;display:inline;\">50% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t6z_172\" style=\"left:947px;bottom:203px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t70_172\" style=\"left:1025px;bottom:203px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t71_172\" style=\"left:1103px;bottom:203px;letter-spacing:-0.25px;display:inline;\">6.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t72_172\" style=\"left:1181px;bottom:203px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t73_172\" style=\"left:654px;bottom:183px;letter-spacing:-0.27px;display:inline;\">Downside </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t74_172\" style=\"left:861px;bottom:183px;letter-spacing:-0.3px;display:inline;\">25% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t75_172\" style=\"left:943px;bottom:183px;letter-spacing:-0.23px;display:inline;\">(6.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t76_172\" style=\"left:1021px;bottom:183px;letter-spacing:-0.23px;display:inline;\">(9.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t77_172\" style=\"left:1091px;bottom:183px;letter-spacing:-0.24px;display:inline;\">(11.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t78_172\" style=\"left:1177px;bottom:183px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t79_172\" style=\"left:654px;bottom:163px;letter-spacing:-0.33px;display:inline;\">Severe </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_172\" id=\"t7a_172\" style=\"left:869px;bottom:163px;letter-spacing:-0.31px;display:inline;\">5% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7b_172\" style=\"left:935px;bottom:163px;letter-spacing:-0.24px;display:inline;\">(12.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7c_172\" style=\"left:1013px;bottom:163px;letter-spacing:-0.24px;display:inline;\">(18.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7d_172\" style=\"left:1091px;bottom:163px;letter-spacing:-0.24px;display:inline;\">(24.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_172\" id=\"t7e_172\" style=\"left:1177px;bottom:163px;letter-spacing:-0.23px;display:inline;\">(3.4) </div></td></tr>\n                                        </table><div></div><div class=\"t s6_173\" id=\"t7_173\" style=\"left:82px;bottom:678px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">December 2024 (continued) </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s6_173\" id=\"t8_173\" style=\"left:349px;bottom:678px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">UK CPI \u2013 movement from December 2024 </div>   </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"tb_173\" style=\"left:349px;bottom:662px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"td_173\" style=\"left:427px;bottom:662px;display:inline;\">2026 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"tf_173\" style=\"left:505px;bottom:662px;display:inline;\">2027 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"th_173\" style=\"left:544px;bottom:662px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t9_173\" style=\"left:82px;bottom:648px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"ta_173\" style=\"left:239px;bottom:648px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"tc_173\" style=\"left:367px;bottom:648px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"te_173\" style=\"left:445px;bottom:648px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"tg_173\" style=\"left:523px;bottom:648px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"ti_173\" style=\"left:601px;bottom:648px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tj_173\" style=\"left:82px;bottom:630px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tk_173\" style=\"left:272px;bottom:630px;letter-spacing:-0.3px;display:inline;\">20% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tl_173\" style=\"left:358px;bottom:630px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tm_173\" style=\"left:436px;bottom:630px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tn_173\" style=\"left:506px;bottom:630px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"to_173\" style=\"left:592px;bottom:630px;letter-spacing:-0.25px;display:inline;\">2.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tp_173\" style=\"left:82px;bottom:612px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tq_173\" style=\"left:272px;bottom:612px;letter-spacing:-0.3px;display:inline;\">50% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tr_173\" style=\"left:358px;bottom:612px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"ts_173\" style=\"left:436px;bottom:612px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tt_173\" style=\"left:514px;bottom:612px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tu_173\" style=\"left:592px;bottom:612px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"tv_173\" style=\"left:82px;bottom:595px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tw_173\" style=\"left:272px;bottom:595px;letter-spacing:-0.3px;display:inline;\">25% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tx_173\" style=\"left:358px;bottom:595px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"ty_173\" style=\"left:436px;bottom:595px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"tz_173\" style=\"left:514px;bottom:595px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t10_173\" style=\"left:592px;bottom:595px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t11_173\" style=\"left:82px;bottom:577px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t12_173\" style=\"left:280px;bottom:577px;letter-spacing:-0.31px;display:inline;\">5% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t13_173\" style=\"left:358px;bottom:577px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t14_173\" style=\"left:436px;bottom:577px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t15_173\" style=\"left:514px;bottom:577px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t16_173\" style=\"left:592px;bottom:577px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s6_173\" id=\"t17_173\" style=\"left:376px;bottom:549px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK Bank Rate \u2013 Annual Average </div>  </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1a_173\" style=\"left:349px;bottom:533px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1c_173\" style=\"left:427px;bottom:533px;display:inline;\">2026 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t1e_173\" style=\"left:505px;bottom:533px;display:inline;\">2027 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t1g_173\" style=\"left:544px;bottom:533px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t18_173\" style=\"left:82px;bottom:519px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t19_173\" style=\"left:239px;bottom:519px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1b_173\" style=\"left:367px;bottom:519px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1d_173\" style=\"left:445px;bottom:519px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1f_173\" style=\"left:523px;bottom:519px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t1h_173\" style=\"left:601px;bottom:519px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1i_173\" style=\"left:82px;bottom:501px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1j_173\" style=\"left:272px;bottom:501px;letter-spacing:-0.3px;display:inline;\">20% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1k_173\" style=\"left:358px;bottom:501px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1l_173\" style=\"left:436px;bottom:501px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1m_173\" style=\"left:514px;bottom:501px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1n_173\" style=\"left:592px;bottom:501px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1o_173\" style=\"left:82px;bottom:483px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1p_173\" style=\"left:272px;bottom:483px;letter-spacing:-0.3px;display:inline;\">50% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1q_173\" style=\"left:358px;bottom:483px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1r_173\" style=\"left:436px;bottom:483px;letter-spacing:-0.25px;display:inline;\">3.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1s_173\" style=\"left:514px;bottom:483px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1t_173\" style=\"left:592px;bottom:483px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1u_173\" style=\"left:82px;bottom:466px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1v_173\" style=\"left:272px;bottom:466px;letter-spacing:-0.3px;display:inline;\">25% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1w_173\" style=\"left:358px;bottom:466px;letter-spacing:-0.25px;display:inline;\">3.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1x_173\" style=\"left:436px;bottom:466px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t1y_173\" style=\"left:514px;bottom:466px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t1z_173\" style=\"left:592px;bottom:466px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t20_173\" style=\"left:82px;bottom:448px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t21_173\" style=\"left:280px;bottom:448px;letter-spacing:-0.31px;display:inline;\">5% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t22_173\" style=\"left:358px;bottom:448px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t23_173\" style=\"left:436px;bottom:448px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t24_173\" style=\"left:514px;bottom:448px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t25_173\" style=\"left:592px;bottom:448px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s6_173\" id=\"t26_173\" style=\"left:357px;bottom:420px;letter-spacing:-0.06px;word-spacing:0.04px;display:inline;\">UK debt service ratio \u2013 Annual Average </div>   </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t29_173\" style=\"left:349px;bottom:404px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2b_173\" style=\"left:427px;bottom:404px;display:inline;\">2026 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t2d_173\" style=\"left:505px;bottom:404px;display:inline;\">2027 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t2f_173\" style=\"left:544px;bottom:404px;letter-spacing:-0.28px;word-spacing:0.26px;display:inline;\">5-Yr Average </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t27_173\" style=\"left:82px;bottom:390px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t28_173\" style=\"left:239px;bottom:390px;letter-spacing:-0.04px;display:inline;\">Weightings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2a_173\" style=\"left:367px;bottom:390px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2c_173\" style=\"left:445px;bottom:390px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2e_173\" style=\"left:523px;bottom:390px;display:inline;\">% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t2g_173\" style=\"left:601px;bottom:390px;display:inline;\">% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2h_173\" style=\"left:82px;bottom:372px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2i_173\" style=\"left:272px;bottom:372px;letter-spacing:-0.3px;display:inline;\">20% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2j_173\" style=\"left:358px;bottom:372px;letter-spacing:-0.25px;display:inline;\">5.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2k_173\" style=\"left:436px;bottom:372px;letter-spacing:-0.25px;display:inline;\">5.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t2l_173\" style=\"left:514px;bottom:372px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2m_173\" style=\"left:592px;bottom:372px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2n_173\" style=\"left:82px;bottom:354px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2o_173\" style=\"left:272px;bottom:354px;letter-spacing:-0.3px;display:inline;\">50% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2p_173\" style=\"left:358px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2q_173\" style=\"left:436px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2r_173\" style=\"left:514px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2s_173\" style=\"left:592px;bottom:354px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t2t_173\" style=\"left:82px;bottom:337px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2u_173\" style=\"left:272px;bottom:337px;letter-spacing:-0.3px;display:inline;\">25% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2v_173\" style=\"left:358px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2w_173\" style=\"left:436px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2x_173\" style=\"left:514px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2y_173\" style=\"left:592px;bottom:337px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t2z_173\" style=\"left:82px;bottom:319px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t30_173\" style=\"left:280px;bottom:319px;letter-spacing:-0.31px;display:inline;\">5% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t31_173\" style=\"left:358px;bottom:319px;letter-spacing:-0.25px;display:inline;\">4.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t32_173\" style=\"left:436px;bottom:319px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t33_173\" style=\"left:514px;bottom:319px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t34_173\" style=\"left:592px;bottom:319px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_173\" id=\"t35_173\" style=\"left:82px;bottom:293px;letter-spacing:-0.38px;display:inline;\">The sensitivity of the ECL allowance to reasonably possible changes in scenario weighting (an </div><div class=\"t s9_173\" id=\"t36_173\" style=\"left:82px;bottom:277px;letter-spacing:-0.38px;display:inline;\">increase in downside case weighting from the upside case and an increase in severe stress case </div><div class=\"t sa_173\" id=\"t37_173\" style=\"left:82px;bottom:261px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">weighting from the base case) has been assessed by the Group and computed as not material. </div><div class=\"t sa_173\" id=\"t38_173\" style=\"left:82px;bottom:238px;letter-spacing:-0.38px;display:inline;\">The Group recognised a total impairment charge of \u00a358.0 million (2024: \u00a361.9 million). </div><div class=\"t s9_173\" id=\"t39_173\" style=\"left:82px;bottom:222px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Were each of the scenarios to be applied at 100%, rather than using the weightings set out above, </div><div class=\"t sa_173\" id=\"t3a_173\" style=\"left:82px;bottom:206px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the increase/(decrease) in ECL provisions would be as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s7_173\" id=\"t3b_173\" style=\"left:460px;bottom:183px;display:inline;\">2025 </div>  </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3d_173\" style=\"left:354px;bottom:165px;letter-spacing:-0.16px;display:inline;\">Vehicle </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3g_173\" style=\"left:440px;bottom:165px;letter-spacing:-0.04px;display:inline;\">Retail </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3j_173\" style=\"left:503px;bottom:165px;letter-spacing:-0.03px;display:inline;\">Business </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3m_173\" style=\"left:601px;bottom:165px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3e_173\" style=\"left:352px;bottom:152px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3h_173\" style=\"left:430px;bottom:152px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3k_173\" style=\"left:508px;bottom:152px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3n_173\" style=\"left:594px;bottom:152px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t3c_173\" style=\"left:82px;bottom:139px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3f_173\" style=\"left:350px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3i_173\" style=\"left:428px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3l_173\" style=\"left:506px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_173\" id=\"t3o_173\" style=\"left:584px;bottom:138px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t3p_173\" style=\"left:82px;bottom:120px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3q_173\" style=\"left:371px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3r_173\" style=\"left:449px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3s_173\" style=\"left:527px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(1.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3t_173\" style=\"left:605px;bottom:120px;letter-spacing:-0.23px;display:inline;\">(2.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t3u_173\" style=\"left:82px;bottom:102px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3v_173\" style=\"left:371px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3w_173\" style=\"left:449px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3x_173\" style=\"left:527px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t3y_173\" style=\"left:605px;bottom:102px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t3z_173\" style=\"left:82px;bottom:85px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t40_173\" style=\"left:375px;bottom:85px;letter-spacing:-0.22px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t41_173\" style=\"left:453px;bottom:85px;letter-spacing:-0.22px;display:inline;\">0.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t42_173\" style=\"left:531px;bottom:85px;letter-spacing:-0.22px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t43_173\" style=\"left:609px;bottom:85px;letter-spacing:-0.22px;display:inline;\">4.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t44_173\" style=\"left:82px;bottom:67px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t45_173\" style=\"left:375px;bottom:67px;letter-spacing:-0.22px;display:inline;\">2.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_173\" id=\"t46_173\" style=\"left:453px;bottom:67px;letter-spacing:-0.22px;display:inline;\">0.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t47_173\" style=\"left:531px;bottom:67px;letter-spacing:-0.22px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sc_173\" id=\"t48_173\" style=\"left:609px;bottom:67px;letter-spacing:-0.22px;display:inline;\">6.9 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"4\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s8_173\" id=\"t49_173\" style=\"left:1032px;bottom:694px;display:inline;\">2024 </div>  </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4b_173\" style=\"left:926px;bottom:677px;letter-spacing:-0.15px;display:inline;\">Vehicle </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4e_173\" style=\"left:1011px;bottom:677px;letter-spacing:-0.04px;display:inline;\">Retail </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4h_173\" style=\"left:1074px;bottom:677px;letter-spacing:-0.03px;display:inline;\">Business </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4k_173\" style=\"left:1172px;bottom:677px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4c_173\" style=\"left:923px;bottom:664px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4f_173\" style=\"left:1001px;bottom:664px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4i_173\" style=\"left:1079px;bottom:664px;letter-spacing:-0.03px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_173\" id=\"t4l_173\" style=\"left:1164px;bottom:664px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4a_173\" style=\"left:652px;bottom:650px;letter-spacing:-0.02px;display:inline;\">Scenario </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4d_173\" style=\"left:922px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4g_173\" style=\"left:1000px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4j_173\" style=\"left:1078px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_173\" id=\"t4m_173\" style=\"left:1156px;bottom:650px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4n_173\" style=\"left:652px;bottom:632px;letter-spacing:-0.26px;display:inline;\">Upside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4o_173\" style=\"left:941px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4p_173\" style=\"left:1019px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4q_173\" style=\"left:1097px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(1.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4r_173\" style=\"left:1175px;bottom:632px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4s_173\" style=\"left:652px;bottom:612px;letter-spacing:-0.27px;display:inline;\">Base </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4t_173\" style=\"left:941px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4u_173\" style=\"left:1019px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4v_173\" style=\"left:1097px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4w_173\" style=\"left:1175px;bottom:612px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t4x_173\" style=\"left:652px;bottom:595px;letter-spacing:-0.27px;display:inline;\">Downside </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4y_173\" style=\"left:945px;bottom:595px;letter-spacing:-0.22px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t4z_173\" style=\"left:1023px;bottom:595px;letter-spacing:-0.22px;display:inline;\">0.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t50_173\" style=\"left:1101px;bottom:595px;letter-spacing:-0.22px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t51_173\" style=\"left:1179px;bottom:595px;letter-spacing:-0.22px;display:inline;\">2.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t52_173\" style=\"left:652px;bottom:577px;letter-spacing:-0.33px;display:inline;\">Severe </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t53_173\" style=\"left:945px;bottom:577px;letter-spacing:-0.22px;display:inline;\">1.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_173\" id=\"t54_173\" style=\"left:1023px;bottom:577px;letter-spacing:-0.22px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t55_173\" style=\"left:1101px;bottom:577px;letter-spacing:-0.22px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_173\" id=\"t56_173\" style=\"left:1179px;bottom:577px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_173\" id=\"t57_173\" style=\"left:652px;bottom:551px;letter-spacing:-0.39px;display:inline;\">17.1.2. ECL modelled output: Estimation of PDs </div><div class=\"t sa_173\" id=\"t58_173\" style=\"left:652px;bottom:531px;letter-spacing:-0.37px;display:inline;\">Sensitivity to reasonably possible changes in PD could potentially result in material changes in </div><div class=\"t sa_173\" id=\"t59_173\" style=\"left:652px;bottom:515px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">the ECL allowance for Vehicle Finance and Retail Finance. </div><div class=\"t sa_173\" id=\"t5a_173\" style=\"left:652px;bottom:494px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">A 15% change in the PD for Vehicle Finance would immediately impact the ECL allowance by </div><div class=\"t sa_173\" id=\"t5b_173\" style=\"left:652px;bottom:478px;letter-spacing:-0.38px;display:inline;\">\u00a33.7 million (2024: a 15% change impacted the ECL allowance by \u00a34.0 million). </div><div class=\"t sa_173\" id=\"t5c_173\" style=\"left:652px;bottom:458px;letter-spacing:-0.38px;display:inline;\">A 15% change in the PD for Retail Finance would immediately impact the ECL allowance by </div><div class=\"t sa_173\" id=\"t5d_173\" style=\"left:652px;bottom:442px;letter-spacing:-0.38px;display:inline;\">\u00a34.1 million (2024: a 15% change impacted the ECL allowance by \u00a33.4 million). </div><div class=\"t s9_173\" id=\"t5e_173\" style=\"left:652px;bottom:421px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">The above sensitivities reflect the levels of defaults observed during the year. </div><div class=\"t sa_173\" id=\"t5f_173\" style=\"left:652px;bottom:401px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Due to the relatively low levels of provisions on the Business Finance books, sensitivity to </div><div class=\"t sa_173\" id=\"t5g_173\" style=\"left:652px;bottom:385px;letter-spacing:-0.38px;display:inline;\">reasonably possible changes in PD are not considered material. </div><div class=\"t s4_173\" id=\"t5h_173\" style=\"left:652px;bottom:362px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">17.1.3. ECL modelled output: Vehicle Finance recovery rates </div><div class=\"t sa_173\" id=\"t5i_173\" style=\"left:652px;bottom:342px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">With the exception of the Vehicle Finance portfolio, the sensitivity of the ECL allowance to </div><div class=\"t sa_173\" id=\"t5j_173\" style=\"left:652px;bottom:326px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">reasonably possible changes in the LGD is not considered material. The Vehicle Finance portfolio </div><div class=\"t sa_173\" id=\"t5k_173\" style=\"left:652px;bottom:310px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">is particularly sensitive to changes in LGD due to the range of outcomes that could crystallise, </div><div class=\"t sa_173\" id=\"t5l_173\" style=\"left:652px;bottom:294px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">depending on whether the Group is able to recover the vehicle as security. For the Vehicle </div><div class=\"t sa_173\" id=\"t5m_173\" style=\"left:652px;bottom:278px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Finance portfolio, a 20% (2024: 20%) change in the recovery rate assumption in the LGD is </div><div class=\"t s9_173\" id=\"t5n_173\" style=\"left:652px;bottom:262px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">considered reasonably possible due to delays in the vehicle collection process. A 20% </div><div class=\"t sa_173\" id=\"t5o_173\" style=\"left:652px;bottom:246px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">(2024: 20%) reduction in the vehicle recovery rate assumption element of the LGD for Vehicle </div><div class=\"t sa_173\" id=\"t5p_173\" style=\"left:652px;bottom:230px;letter-spacing:-0.38px;display:inline;\">Finance would increase the ECL by \u00a31.2 million (2024: \u00a31.7 million). There has been no change in </div><div class=\"t s9_173\" id=\"t5q_173\" style=\"left:652px;bottom:214px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">the vehicle recovery rate assumption in the ECL model in either the current or prior year. </div><div class=\"t s4_173\" id=\"t5r_173\" style=\"left:652px;bottom:191px;letter-spacing:-0.38px;display:inline;\">17.1.4. Climate-risk impact </div><div class=\"t sa_173\" id=\"t5s_173\" style=\"left:652px;bottom:171px;letter-spacing:-0.38px;display:inline;\">The Group considers the impact of climate-related risks on the financial statements on an annual </div><div class=\"t sa_173\" id=\"t5t_173\" style=\"left:652px;bottom:155px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">basis, in particular, climate change negatively impacting the value of the Group\u2019s Real Estate </div><div class=\"t sa_173\" id=\"t5u_173\" style=\"left:652px;bottom:139px;letter-spacing:-0.38px;display:inline;\">Finance business\u2019 security due to the increased risk of flooding associated with climate change. </div><div class=\"t sa_173\" id=\"t5v_173\" style=\"left:652px;bottom:118px;letter-spacing:-0.38px;display:inline;\">While the effects of climate change represent a source of uncertainty (in respect of potential </div><div class=\"t sa_173\" id=\"t5w_173\" style=\"left:652px;bottom:102px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">transitional risks, such as those that may arise from changes in future government policy), the </div><div class=\"t sa_173\" id=\"t5x_173\" style=\"left:652px;bottom:86px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">impact of all of the climate change risks is considered to be low. Accordingly, the Group does </div><div class=\"t sa_173\" id=\"t5y_173\" style=\"left:652px;bottom:70px;letter-spacing:-0.38px;display:inline;\">not consider there to be a material impact on its judgements and estimates from the physical, </div><span>transitional and other climate-related risks in the short term.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00482": {
   "value": "<span>Impairment of financial assets and loan commitments accounting policy </span><div class=\"t s5_169\" id=\"t6_169\" style=\"left:82px;bottom:680px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">The Group recognises loss allowances for Expected Credit Losses (\u2018ECL\u2019) on all financial assets </div><div class=\"t s6_169\" id=\"t7_169\" style=\"left:82px;bottom:664px;letter-spacing:-0.38px;display:inline;\">carried at amortised cost, including lease receivables and loan commitments. Credit loss </div><div class=\"t s5_169\" id=\"t8_169\" style=\"left:82px;bottom:648px;letter-spacing:-0.38px;display:inline;\">allowances on Stage 1 assets are measured as an amount equal to 12-month ECL and credit loss </div><div class=\"t s5_169\" id=\"t9_169\" style=\"left:82px;bottom:632px;letter-spacing:-0.37px;word-spacing:-0.01px;display:inline;\">allowances on Stage 2, and Stage 3 assets are measured as an amount equal to lifetime ECL. </div><div class=\"t s4_169\" id=\"ta_169\" style=\"left:82px;bottom:609px;letter-spacing:-0.38px;display:inline;\">Stage 1 assets </div><div class=\"t s6_169\" id=\"tb_169\" style=\"left:82px;bottom:589px;letter-spacing:-0.38px;display:inline;\">Stage 1 assets comprise of the following. </div><div class=\"t s6_169\" id=\"tc_169\" style=\"left:82px;bottom:566px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"td_169\" style=\"left:95px;bottom:566px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets determined to have low credit risk at the reporting date. </div><div class=\"t s6_169\" id=\"te_169\" style=\"left:82px;bottom:546px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"tf_169\" style=\"left:95px;bottom:546px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that have not experienced a significant increase in credit risk since their </div><div class=\"t s5_169\" id=\"tg_169\" style=\"left:95px;bottom:530px;letter-spacing:-0.37px;display:inline;\">initial recognition. </div><div class=\"t s6_169\" id=\"th_169\" style=\"left:82px;bottom:510px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"ti_169\" style=\"left:95px;bottom:510px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial assets that have experienced a significant increase in credit risk since their </div><div class=\"t s5_169\" id=\"tj_169\" style=\"left:95px;bottom:494px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">initial recognition, but have subsequently met the Group\u2019s cure policy, as set out on the </div><div class=\"t s6_169\" id=\"tk_169\" style=\"left:95px;bottom:477px;letter-spacing:-0.38px;display:inline;\">following page. </div><div class=\"t s6_169\" id=\"tl_169\" style=\"left:82px;bottom:453px;letter-spacing:-0.38px;word-spacing:-0.02px;display:inline;\">A low credit risk asset is considered to have low credit risk when its credit risk rating is equivalent </div><div class=\"t s5_169\" id=\"tm_169\" style=\"left:82px;bottom:437px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">to the widely understood definition of \u2018investment grade\u2019 assets. This is not applicable to loans </div><div class=\"t s5_169\" id=\"tn_169\" style=\"left:82px;bottom:421px;letter-spacing:-0.38px;display:inline;\">and advances to customers, but the Group has assessed all its debt securities, which represents </div><div class=\"t s6_169\" id=\"to_169\" style=\"left:82px;bottom:405px;letter-spacing:-0.37px;display:inline;\">gilts, to be low credit risk. </div><div class=\"t s4_169\" id=\"tp_169\" style=\"left:82px;bottom:382px;letter-spacing:-0.38px;display:inline;\">Stage 2 assets </div><div class=\"t s5_169\" id=\"tq_169\" style=\"left:82px;bottom:362px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loans and advances to customers that have experienced a significant increase in credit risk since </div><div class=\"t s5_169\" id=\"tr_169\" style=\"left:82px;bottom:346px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">their initial recognition and have not subsequently met the Group\u2019s cure policy are classified as </div><div class=\"t s6_169\" id=\"ts_169\" style=\"left:82px;bottom:330px;letter-spacing:-0.38px;display:inline;\">Stage 2 assets. </div><div class=\"t s5_169\" id=\"tt_169\" style=\"left:82px;bottom:307px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group\u2019s definitions of a significant increase in credit risk and default are set out on the </div><div class=\"t s6_169\" id=\"tu_169\" style=\"left:82px;bottom:291px;letter-spacing:-0.38px;display:inline;\">following page. </div><div class=\"t s5_169\" id=\"tv_169\" style=\"left:82px;bottom:269px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">For Consumer Finance, the credit risk of a financial asset is considered to have experienced a </div><div class=\"t s6_169\" id=\"tw_169\" style=\"left:82px;bottom:252px;letter-spacing:-0.37px;display:inline;\">significant increase in credit risk since initial recognition where there has been a significant </div><div class=\"t s5_169\" id=\"tx_169\" style=\"left:82px;bottom:236px;letter-spacing:-0.38px;display:inline;\">increase in the remaining lifetime probability of default of the asset. The Group may also use its </div><div class=\"t s5_169\" id=\"ty_169\" style=\"left:82px;bottom:220px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expert credit judgement, and where possible, relevant historical and current performance data, </div><div class=\"t s5_169\" id=\"tz_169\" style=\"left:82px;bottom:204px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">including bureau data, to determine that an exposure has undergone a significant increase in </div><div class=\"t s6_169\" id=\"t10_169\" style=\"left:82px;bottom:188px;letter-spacing:-0.37px;display:inline;\">credit risk. </div><div class=\"t s5_169\" id=\"t11_169\" style=\"left:654px;bottom:700px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">For Business Finance, the credit risk of a financial asset is considered to have experienced a </div><div class=\"t s6_169\" id=\"t12_169\" style=\"left:654px;bottom:684px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">significant increase in credit risk where certain early warning indicators apply. These indicators </div><div class=\"t s5_169\" id=\"t13_169\" style=\"left:654px;bottom:668px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">may include notification of county court judgements or, specifically for the Real Estate Finance </div><div class=\"t s5_169\" id=\"t14_169\" style=\"left:654px;bottom:652px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">portfolio, cost over-runs and timing delays experienced by borrowers. </div><div class=\"t s5_169\" id=\"t15_169\" style=\"left:654px;bottom:630px;letter-spacing:-0.37px;display:inline;\">As a backstop, the Group considers that a significant increase in credit risk occurs no later than </div><div class=\"t s6_169\" id=\"t16_169\" style=\"left:654px;bottom:614px;letter-spacing:-0.38px;display:inline;\">when an asset is more than 30 days past due for all portfolios. </div><div class=\"t s4_169\" id=\"t17_169\" style=\"left:654px;bottom:591px;letter-spacing:-0.38px;display:inline;\">Stage 3 assets </div><div class=\"t s5_169\" id=\"t18_169\" style=\"left:654px;bottom:571px;letter-spacing:-0.38px;display:inline;\">At each reporting date, the Group assesses whether financial assets carried at amortised cost </div><div class=\"t s5_169\" id=\"t19_169\" style=\"left:654px;bottom:555px;letter-spacing:-0.37px;display:inline;\">are credit-impaired or defaulted (Stage 3). A financial asset is considered to be credit-impaired </div><div class=\"t s6_169\" id=\"t1a_169\" style=\"left:654px;bottom:539px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">when an event or events that have a detrimental impact on estimated future cash flows have </div><div class=\"t s6_169\" id=\"t1b_169\" style=\"left:654px;bottom:523px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">occurred, or have other specific unlikeliness to pay indicators. Evidence that a financial asset is </div><div class=\"t s5_169\" id=\"t1c_169\" style=\"left:654px;bottom:507px;letter-spacing:-0.38px;display:inline;\">credit-impaired includes the following observable data. </div><div class=\"t s6_169\" id=\"t1d_169\" style=\"left:654px;bottom:484px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1e_169\" style=\"left:667px;bottom:484px;letter-spacing:-0.38px;display:inline;\">Initiation of bankruptcy proceedings. </div><div class=\"t s6_169\" id=\"t1f_169\" style=\"left:654px;bottom:464px;letter-spacing:-0.4px;word-spacing:0.99px;display:inline;\">\u2022 Notification of bereavement. </div><div class=\"t s6_169\" id=\"t1g_169\" style=\"left:654px;bottom:443px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1h_169\" style=\"left:667px;bottom:443px;letter-spacing:-0.37px;display:inline;\">Identification of loan meeting debt sale criteria. </div><div class=\"t s6_169\" id=\"t1i_169\" style=\"left:654px;bottom:423px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1j_169\" style=\"left:667px;bottom:423px;letter-spacing:-0.38px;display:inline;\">Initiation of repossession proceedings. </div><div class=\"t s6_169\" id=\"t1k_169\" style=\"left:654px;bottom:402px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1l_169\" style=\"left:667px;bottom:402px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Customer on an Individual Voluntary Arrangement or Debt Management Plan. </div><div class=\"t s6_169\" id=\"t1m_169\" style=\"left:654px;bottom:382px;letter-spacing:-0.39px;word-spacing:0.23px;display:inline;\">\u2022 A material covenant breach that has remained unremedied for more than 90 days. </div><div class=\"t s5_169\" id=\"t1n_169\" style=\"left:654px;bottom:357px;letter-spacing:-0.37px;display:inline;\">In addition, a loan that is 90 days or more past due is considered credit-impaired for all portfolios. </div><div class=\"t s5_169\" id=\"t1o_169\" style=\"left:654px;bottom:341px;letter-spacing:-0.37px;display:inline;\">The credit risk of financial assets that become credit-impaired will be monitored in line with the </div><div class=\"t s6_169\" id=\"t1p_169\" style=\"left:654px;bottom:325px;letter-spacing:-0.45px;word-spacing:0.08px;display:inline;\">curing policy. </div><div class=\"t s5_169\" id=\"t1q_169\" style=\"left:654px;bottom:303px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">For Commercial Finance facilities that do not have a fixed-term or repayment structure, </div><div class=\"t s5_169\" id=\"t1r_169\" style=\"left:654px;bottom:287px;letter-spacing:-0.38px;display:inline;\">evidence that a financial asset is credit-impaired includes: </div><div class=\"t s6_169\" id=\"t1s_169\" style=\"left:654px;bottom:264px;letter-spacing:-0.38px;word-spacing:0.5px;display:inline;\">\u2022 the client ceasing to trade; or </div><div class=\"t s6_169\" id=\"t1t_169\" style=\"left:654px;bottom:244px;display:inline;\">\u2022 </div><div class=\"t s5_169\" id=\"t1u_169\" style=\"left:667px;bottom:244px;letter-spacing:-0.38px;display:inline;\">unpaid debtor balances that are dated at least six months past their normal recourse period. </div><div></div>\n\n<div class=\"t s4_170\" id=\"t5_170\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;display:inline;\">Cure policy </div>\n<div class=\"t s5_170\" id=\"t6_170\" style=\"left:82px;bottom:680px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The credit risk of a financial asset may improve such that it is no longer considered to have </div>\n<div class=\"t s6_170\" id=\"t7_170\" style=\"left:82px;bottom:664px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">experienced a significant increase in credit risk if it meets the Group\u2019s cure policy. The Group\u2019s </div>\n<div class=\"t s5_170\" id=\"t8_170\" style=\"left:82px;bottom:648px;letter-spacing:-0.38px;display:inline;\">cure policy from stage 2 to stage 1 for all portfolios requires sufficient payments to be made </div>\n<div class=\"t s6_170\" id=\"t9_170\" style=\"left:82px;bottom:632px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">to bring an account back within less than 30 days past due and such payments need to be </div>\n<div class=\"t s6_170\" id=\"ta_170\" style=\"left:82px;bottom:616px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">maintained for six consecutive months in Vehicle Finance and three months in Retail Finance. </div>\n<div class=\"t s6_170\" id=\"tb_170\" style=\"left:82px;bottom:600px;letter-spacing:-0.37px;display:inline;\">In addition, an account can cure from stage 2 to stage 1 if the significant increase in credit risk </div>\n<div class=\"t s5_170\" id=\"tc_170\" style=\"left:82px;bottom:584px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">since their initial recognition is not triggered anymore due to improvement in their credit quality </div>\n<div class=\"t s6_170\" id=\"td_170\" style=\"left:82px;bottom:568px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">(e.g. loan credit bureau score). </div>\n<div class=\"t s6_170\" id=\"te_170\" style=\"left:82px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group\u2019s cure policy from stage 3 to 2 for all portfolios requires sufficient payments to be </div>\n<div class=\"t s6_170\" id=\"tf_170\" style=\"left:82px;bottom:529px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">made to bring an account back within less than 30 days past due. For Vehicle Finance and Retail </div>\n<div class=\"t s6_170\" id=\"tg_170\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Finance, such non-defaulted status need to be maintained for three consecutive months. </div>\n<div class=\"t s6_170\" id=\"th_170\" style=\"left:82px;bottom:497px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For Real Estate Finance such payments need to be maintained for 12 consecutive months. </div>\n<div class=\"t s4_170\" id=\"ti_170\" style=\"left:82px;bottom:474px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\">Calculation of expected credit loss (\u2018ECL\u2019) </div>\n<div class=\"t s5_170\" id=\"tj_170\" style=\"left:82px;bottom:454px;letter-spacing:-0.38px;display:inline;\">ECL are probability weighted estimates of credit losses that are measured as the present value </div>\n<div class=\"t s6_170\" id=\"tk_170\" style=\"left:82px;bottom:438px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">of all cash shortfalls. Specifically, this is the difference between the contractual cash flows due </div>\n<div class=\"t s6_170\" id=\"tl_170\" style=\"left:82px;bottom:422px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and the cash flows expected to be received, discounted at the original effective interest rate. </div>\n<div class=\"t s6_170\" id=\"tm_170\" style=\"left:82px;bottom:406px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">For undrawn loan commitments, ECL is measured as the difference between the contractual </div>\n<div class=\"t s6_170\" id=\"tn_170\" style=\"left:82px;bottom:390px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">cash flows due if the commitment is drawn and the cash flows expected to be received. </div>\n<div class=\"t s6_170\" id=\"to_170\" style=\"left:82px;bottom:367px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Lifetime ECL is the ECL that results from all possible default events over the expected life of a </div>\n<div class=\"t s5_170\" id=\"tp_170\" style=\"left:82px;bottom:351px;letter-spacing:-0.36px;display:inline;\">financial asset. </div>\n<div class=\"t s6_170\" id=\"tq_170\" style=\"left:82px;bottom:329px;letter-spacing:-0.38px;display:inline;\">12-month ECL is the portion of lifetime ECL that results from default events on a financial asset </div>\n<div class=\"t s5_170\" id=\"tr_170\" style=\"left:82px;bottom:313px;letter-spacing:-0.38px;display:inline;\">that are possible within 12 months after the reporting date. </div>\n<div class=\"t s6_170\" id=\"ts_170\" style=\"left:82px;bottom:290px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">ECL are calculated by multiplying three main components: the Probability of Default (\u2018PD\u2019), </div>\n<div class=\"t s6_170\" id=\"tt_170\" style=\"left:82px;bottom:274px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Exposure At Default (\u2018EAD\u2019) and Loss Given Default (\u2018LGD\u2019) discounted at the original effective </div>\n<div class=\"t s5_170\" id=\"tu_170\" style=\"left:82px;bottom:258px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">interest rate of an asset. These variables are derived from internally developed statistical models </div>\n<div class=\"t s6_170\" id=\"tv_170\" style=\"left:82px;bottom:242px;letter-spacing:-0.38px;display:inline;\">and historical data, adjusted to reflect forward-looking information and are discussed in turn </div>\n<div class=\"t s6_170\" id=\"tw_170\" style=\"left:82px;bottom:226px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">further below. Management adjustments are made to modelled output to account for situations, </div>\n<div class=\"t s6_170\" id=\"tx_170\" style=\"left:82px;bottom:210px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">where known, or expected risk factors that have not been reflected in the modelled outcome. </div>\n<div class=\"t s4_170\" id=\"ty_170\" style=\"left:82px;bottom:187px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Probability of Default (\u2018PD\u2019) and credit risk grades </div>\n<div class=\"t s6_170\" id=\"tz_170\" style=\"left:82px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Credit risk grades are a primary input into the determination of the PD for exposures. The Group </div>\n<div class=\"t s6_170\" id=\"t10_170\" style=\"left:82px;bottom:151px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">allocates each exposure to a credit risk grade at origination and at each reporting period to </div>\n<div class=\"t s5_170\" id=\"t11_170\" style=\"left:82px;bottom:135px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">predict the risk of default. Credit risk grades are determined using qualitative and quantitative </div>\n<div class=\"t s5_170\" id=\"t12_170\" style=\"left:654px;bottom:700px;letter-spacing:-0.37px;display:inline;\">factors that are indicative of the risk of default e.g. arrears status and loan credit bureau score. </div>\n<div class=\"t s6_170\" id=\"t13_170\" style=\"left:654px;bottom:684px;letter-spacing:-0.38px;display:inline;\">These factors vary for each loan portfolio. Exposures are subject to ongoing monitoring, which </div>\n<div class=\"t s6_170\" id=\"t14_170\" style=\"left:654px;bottom:668px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">may result in an exposure being moved to a different credit risk grade. In monitoring exposures </div>\n<div class=\"t s5_170\" id=\"t15_170\" style=\"left:654px;bottom:652px;letter-spacing:-0.38px;display:inline;\">information, such as payment records and forecast changes in economic conditions are </div>\n<div class=\"t s6_170\" id=\"t16_170\" style=\"left:654px;bottom:636px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">considered for Consumer Finance. Additionally, for Business Finance portfolios information </div>\n<div class=\"t s6_170\" id=\"t17_170\" style=\"left:654px;bottom:620px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">obtained during periodic client reviews, for example, audited financial statements, management </div>\n<div class=\"t s6_170\" id=\"t18_170\" style=\"left:654px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">accounts, budgets and projections are considered, with particular focus on key ratios, compliance </div>\n<div class=\"t s5_170\" id=\"t19_170\" style=\"left:654px;bottom:588px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">with covenants and changes in senior management teams. </div>\n<div class=\"t s6_170\" id=\"t1a_170\" style=\"left:654px;bottom:565px;letter-spacing:-0.38px;display:inline;\">Emergence curves modelling is used in the production of forward-looking lifetime PDs. </div>\n<div class=\"t s5_170\" id=\"t1b_170\" style=\"left:654px;bottom:549px;letter-spacing:-0.38px;display:inline;\">This method defines the way that debt emerges for differing quality accounts and their time on </div>\n<div class=\"t s5_170\" id=\"t1c_170\" style=\"left:654px;bottom:533px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the books creating a clean relationship to best demonstrate the movement in default rates as </div>\n<div class=\"t s6_170\" id=\"t1d_170\" style=\"left:654px;bottom:517px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">macroeconomic variables are changed. These models are extrapolated to provide PD estimates </div>\n<div class=\"t s5_170\" id=\"t1e_170\" style=\"left:654px;bottom:501px;letter-spacing:-0.38px;display:inline;\">for the future, based on forecasted economic scenarios. </div>\n<div class=\"t s4_170\" id=\"t1f_170\" style=\"left:654px;bottom:479px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Exposure at Default (\u2018EAD\u2019) </div>\n<div class=\"t s6_170\" id=\"t1g_170\" style=\"left:654px;bottom:458px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">EAD represents the expected exposure in the event of a default. EAD is derived from the current </div>\n<div class=\"t s6_170\" id=\"t1h_170\" style=\"left:654px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">exposure and potential changes to the current amount allowed under the terms of the contract, </div>\n<div class=\"t s6_170\" id=\"t1i_170\" style=\"left:654px;bottom:426px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">including amortisation overpayments and early terminations. The EAD of a financial asset is its </div>\n<div class=\"t s6_170\" id=\"t1j_170\" style=\"left:654px;bottom:410px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">gross carrying amount. For loan commitments, the EAD includes the amount drawn, as well as </div>\n<div class=\"t s5_170\" id=\"t1k_170\" style=\"left:654px;bottom:394px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">potential future amounts that may be drawn under the terms of the contract, estimated based </div>\n<div class=\"t s6_170\" id=\"t1l_170\" style=\"left:654px;bottom:378px;letter-spacing:-0.38px;display:inline;\">on historical observations and forward-looking forecasts. </div>\n<div class=\"t s6_170\" id=\"t1m_170\" style=\"left:654px;bottom:356px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For Commercial Finance facilities that have no specific term, an assumption is made that </div>\n<div class=\"t s5_170\" id=\"t1n_170\" style=\"left:654px;bottom:340px;letter-spacing:-0.37px;display:inline;\">accounts close 36 months after the reporting date for the purposes of measuring lifetime ECL. </div>\n<div class=\"t s6_170\" id=\"t1o_170\" style=\"left:654px;bottom:324px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">This assumption is based on industry experience of average client life. These facilities do not have </div>\n<div class=\"t s6_170\" id=\"t1p_170\" style=\"left:654px;bottom:308px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">a fixed-term or repayment structure, but are revolving and increase or decrease to reflect the </div>\n<div class=\"t s6_170\" id=\"t1q_170\" style=\"left:654px;bottom:291px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">value of the collateral i.e. receivables or inventory. The Group can cancel the facilities with </div>\n<div class=\"t s6_170\" id=\"t1r_170\" style=\"left:654px;bottom:275px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">immediate effect, although this contractual right is not enforced in the normal day-to-day </div>\n<div class=\"t s5_170\" id=\"t1s_170\" style=\"left:654px;bottom:259px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">management of the facility. Typically, demand would only be made on the failure of a client </div>\n<div class=\"t s6_170\" id=\"t1t_170\" style=\"left:654px;bottom:243px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">business or in the event of a material event of default, such as a fraud. In the normal course of </div>\n<div class=\"t s6_170\" id=\"t1u_170\" style=\"left:654px;bottom:227px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">events, the Group\u2019s exposure is recovered through receipt of remittances from the client\u2019s </div>\n<div class=\"t s5_170\" id=\"t1v_170\" style=\"left:654px;bottom:211px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">debtors rather than from the client itself. </div>\n<div class=\"t s5_170\" id=\"t1w_170\" style=\"left:654px;bottom:189px;letter-spacing:-0.38px;display:inline;\">The ECL for such facilities is estimated taking into account the credit risk management actions </div>\n<div class=\"t s6_170\" id=\"t1x_170\" style=\"left:654px;bottom:173px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">that the Group expects to take to mitigate against losses. These include a reduction in advance </div>\n<div class=\"t s5_170\" id=\"t1y_170\" style=\"left:654px;bottom:157px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">rate and facility limits or application of reserves against a facility to improve the likelihood of full </div>\n<div class=\"t s6_170\" id=\"t1z_170\" style=\"left:654px;bottom:141px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">recovery of exposure from the debtors. </div><div></div><div class=\"t s4_171\" id=\"t5_171\" style=\"left:82px;bottom:700px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Alternative recovery routes mitigating ECL would include refinancing by another funding </div><div class=\"t s4_171\" id=\"t6_171\" style=\"left:82px;bottom:684px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">provider, taking security over other asset classes or secured personal guarantees from the </div><div class=\"t s5_171\" id=\"t7_171\" style=\"left:82px;bottom:668px;letter-spacing:-0.37px;display:inline;\">client\u2019s principals. </div><div class=\"t s6_171\" id=\"t8_171\" style=\"left:82px;bottom:646px;letter-spacing:-0.44px;word-spacing:0.06px;display:inline;\">Loss Given Default (\u2018LGD\u2019) </div><div class=\"t s5_171\" id=\"t9_171\" style=\"left:82px;bottom:625px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">LGD is the magnitude of the likely loss in the event of default. This takes into account recoveries </div><div class=\"t s4_171\" id=\"ta_171\" style=\"left:82px;bottom:609px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">either through curing or, where applicable, through the auction sale of repossessed collateral and </div><div class=\"t s5_171\" id=\"tb_171\" style=\"left:82px;bottom:593px;letter-spacing:-0.53px;word-spacing:0.02px;display:inline;\">debt sale of the residual shortfall amount. For loans secured by real estate property, loan-to-value </div><div class=\"t s5_171\" id=\"tc_171\" style=\"left:82px;bottom:577px;letter-spacing:-0.55px;word-spacing:0.03px;display:inline;\">ratios are key parameters in determining LGD. LGDs are calculated on a discounted cash flow basis </div><div class=\"t s5_171\" id=\"td_171\" style=\"left:82px;bottom:561px;letter-spacing:-0.52px;word-spacing:0.02px;display:inline;\">using the financial instrument\u2019s origination effective interest rate as the discount factor. </div><div class=\"t s6_171\" id=\"te_171\" style=\"left:82px;bottom:539px;letter-spacing:-0.39px;display:inline;\">Incorporation of forward-looking data </div><div class=\"t s5_171\" id=\"tf_171\" style=\"left:82px;bottom:518px;letter-spacing:-0.38px;display:inline;\">The Group incorporates forward-looking information into both its assessment of whether the </div><div class=\"t s4_171\" id=\"tg_171\" style=\"left:82px;bottom:502px;letter-spacing:-0.37px;display:inline;\">credit risk of a financial asset has increased significantly since initial recognition and its </div><div class=\"t s4_171\" id=\"th_171\" style=\"left:82px;bottom:486px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">measurement of ECL. This is achieved by developing a number of potential economic scenarios </div><div class=\"t s5_171\" id=\"ti_171\" style=\"left:82px;bottom:470px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">and modelling ECLs for each scenario. To ensure material non-linear relationships between </div><div class=\"t s4_171\" id=\"tj_171\" style=\"left:82px;bottom:454px;letter-spacing:-0.37px;display:inline;\">economic factors and credit losses are reflected in the calculation of ECL, a severe stress </div><div class=\"t s4_171\" id=\"tk_171\" style=\"left:82px;bottom:438px;letter-spacing:-0.38px;display:inline;\">scenario is used as one of these scenarios. The outputs from each scenario are combined using </div><div class=\"t s5_171\" id=\"tl_171\" style=\"left:82px;bottom:422px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the estimated likelihood of each scenario occurring to derive a probability weighted expected </div><div class=\"t s4_171\" id=\"tm_171\" style=\"left:82px;bottom:406px;letter-spacing:-0.38px;display:inline;\">credit loss. The four scenarios adopted and probability weighting applied are set out on </div><div class=\"t s5_171\" id=\"tn_171\" style=\"left:82px;bottom:390px;letter-spacing:-0.39px;display:inline;\">page 170. </div><div class=\"t s5_171\" id=\"to_171\" style=\"left:82px;bottom:367px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group considers that the key drivers of credit risk and credit losses included in the </div><div class=\"t s5_171\" id=\"tp_171\" style=\"left:82px;bottom:351px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">macroeconomic scenarios are annual unemployment rate growth, annual house price index </div><div class=\"t s5_171\" id=\"tq_171\" style=\"left:82px;bottom:335px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">growth, consumer price index (\u2018CPI\u2019), Bank of England Base Rate, and debt service ratio. </div><div class=\"t s5_171\" id=\"tr_171\" style=\"left:82px;bottom:319px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Base case assumptions applied for each of these variables have been sourced from external </div><div class=\"t s5_171\" id=\"ts_171\" style=\"left:82px;bottom:303px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">consensus or Bank of England forecasts. Further details of the assumptions applied to other </div><div class=\"t s5_171\" id=\"tt_171\" style=\"left:82px;bottom:287px;letter-spacing:-0.38px;display:inline;\">scenarios are presented on page 170. </div><div class=\"t s6_171\" id=\"tu_171\" style=\"left:82px;bottom:265px;letter-spacing:-0.39px;display:inline;\">Expert credit judgements </div><div class=\"t s5_171\" id=\"tv_171\" style=\"left:82px;bottom:244px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The impairment charge comprises modelled ECLs and expert credit judgements. Where the ECL </div><div class=\"t s5_171\" id=\"tw_171\" style=\"left:82px;bottom:228px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">modelled output does not reflect the level of credit risk, judgement is used to calculate expert </div><div class=\"t s5_171\" id=\"tx_171\" style=\"left:82px;bottom:212px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">credit judgements, which are overlaid onto the output from the models. </div><div class=\"t s6_171\" id=\"ty_171\" style=\"left:82px;bottom:190px;letter-spacing:-0.39px;display:inline;\">Presentation of loss allowance </div><div class=\"t s5_171\" id=\"tz_171\" style=\"left:82px;bottom:169px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Loss allowances for ECLs and expert credit judgements are presented in the statement of </div><div class=\"t s5_171\" id=\"t10_171\" style=\"left:82px;bottom:153px;letter-spacing:-0.38px;display:inline;\">financial position as follows with the loss recognised in the income statement: </div><div class=\"t s4_171\" id=\"t11_171\" style=\"left:654px;bottom:700px;display:inline;\">\u2022 </div><div class=\"t s5_171\" id=\"t12_171\" style=\"left:667px;bottom:700px;letter-spacing:-0.38px;display:inline;\">Financial assets measured at amortised cost: as a deduction from the gross carrying amount of </div><div class=\"t s4_171\" id=\"t13_171\" style=\"left:667px;bottom:684px;letter-spacing:-0.37px;display:inline;\">the assets. </div><div class=\"t s4_171\" id=\"t14_171\" style=\"left:654px;bottom:664px;display:inline;\">\u2022 </div><div class=\"t s5_171\" id=\"t15_171\" style=\"left:667px;bottom:664px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">Other loan commitments: generally, as a provision. </div><div class=\"t s5_171\" id=\"t16_171\" style=\"left:654px;bottom:639px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the Real Estate Finance and Commercial Finance portfolios, where a loan facility is agreed </div><div class=\"t s5_171\" id=\"t17_171\" style=\"left:654px;bottom:623px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">that includes both drawn and undrawn elements and the Group cannot identify the ECL on </div><div class=\"t s5_171\" id=\"t18_171\" style=\"left:654px;bottom:607px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">the loan commitment separately, a combined loss allowance for both drawn and undrawn </div><div class=\"t s4_171\" id=\"t19_171\" style=\"left:654px;bottom:591px;letter-spacing:-0.38px;display:inline;\">components of the loan is presented as a deduction from the gross carrying amount of the </div><div class=\"t s5_171\" id=\"t1a_171\" style=\"left:654px;bottom:575px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">drawn component, with any excess of the loss allowance over the gross drawn amount presented </div><div class=\"t s5_171\" id=\"t1b_171\" style=\"left:654px;bottom:559px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">as a provision. </div><div class=\"t s4_171\" id=\"t1c_171\" style=\"left:654px;bottom:536px;letter-spacing:-0.37px;display:inline;\">When a loan is uncollectible, it is written off against the related ECL allowance. Such loans are </div><div class=\"t s4_171\" id=\"t1d_171\" style=\"left:654px;bottom:520px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">written off after all necessary procedures have been completed and the amount of the loss has </div><div class=\"t s4_171\" id=\"t1e_171\" style=\"left:654px;bottom:504px;letter-spacing:-0.39px;display:inline;\">been determined. </div><div class=\"t s6_171\" id=\"t1f_171\" style=\"left:654px;bottom:482px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\">Vehicle Finance voluntary termination provision </div><div class=\"t s5_171\" id=\"t1g_171\" style=\"left:654px;bottom:461px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In addition to recognising allowances for ECLs, the Group holds a provision for Voluntary </div><div class=\"t s5_171\" id=\"t1h_171\" style=\"left:654px;bottom:445px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">Terminations (\u2018VT\u2019) for all Vehicle Finance financial assets. VT is a legal right provided to </div><div class=\"t s4_171\" id=\"t1i_171\" style=\"left:654px;bottom:429px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">customers who take out hire purchase agreements. The provision is calculated by multiplying </div><div class=\"t s5_171\" id=\"t1j_171\" style=\"left:654px;bottom:413px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the probability of VT of an asset by the expected shortfall on VT discounted back at the original </div><div class=\"t s5_171\" id=\"t1k_171\" style=\"left:654px;bottom:397px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">effective interest rate of the asset. VT allowances are not held against loans in default (Stage </div><div class=\"t s5_171\" id=\"t1l_171\" style=\"left:654px;bottom:381px;letter-spacing:-0.36px;display:inline;\">3 loans). </div><div class=\"t s5_171\" id=\"t1m_171\" style=\"left:654px;bottom:359px;letter-spacing:-0.38px;display:inline;\">The VT provision is presented in the statement of financial position as a deduction from the gross </div><div class=\"t s5_171\" id=\"t1n_171\" style=\"left:654px;bottom:343px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">carrying amount of Vehicle Finance assets with the loss recognised in the income statement. </div><div class=\"t s6_171\" id=\"t1o_171\" style=\"left:654px;bottom:320px;letter-spacing:-0.39px;display:inline;\">Write-off </div><div class=\"t s5_171\" id=\"t1p_171\" style=\"left:654px;bottom:300px;letter-spacing:-0.38px;display:inline;\">Loans and advances to customers are written off partially or in full when the Group has </div><div class=\"t s5_171\" id=\"t1q_171\" style=\"left:654px;bottom:284px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">exhausted all viable recovery options. The majority of write-offs arise from Debt Relief Orders, </div><div class=\"t s5_171\" id=\"t1r_171\" style=\"left:654px;bottom:268px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">insolvencies, Individual Voluntary Arrangements, deceased customers where there is no estate </div><div class=\"t s4_171\" id=\"t1s_171\" style=\"left:654px;bottom:252px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and vulnerable customers in certain circumstances. Amounts subsequently recovered on assets </div><div class=\"t s4_171\" id=\"t1t_171\" style=\"left:654px;bottom:236px;letter-spacing:-0.38px;display:inline;\">previously written off are recognised in the impairment charge in the income statement. </div><div class=\"t s6_171\" id=\"t1u_171\" style=\"left:654px;bottom:213px;letter-spacing:-0.41px;word-spacing:0.01px;display:inline;\">Intercompany receivables </div><div class=\"t s5_171\" id=\"t1v_171\" style=\"left:654px;bottom:193px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The parent company\u2019s expected credit loss on amounts due from related companies is calculated </div><div class=\"t s4_171\" id=\"t1w_171\" style=\"left:654px;bottom:177px;letter-spacing:-0.38px;display:inline;\">by applying probability of default and loss given default to the amount outstanding at the </div><span>year-end. See Note 26 for further details.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00346": {
   "value": "<span>18. Derivative financial instruments </span><div class=\"t s3_174\" id=\"t4_174\" style=\"left:65px;bottom:715px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s4_174\" id=\"t5_174\" style=\"left:65px;bottom:695px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Interest rate derivatives are held for risk mitigation purposes. The table below provides an analysis of the notional amount and fair value of derivatives by hedge accounting relationship. The amount of </div><div class=\"t s5_174\" id=\"t6_174\" style=\"left:65px;bottom:679px;letter-spacing:-0.38px;display:inline;\">ineffectiveness recognised for each hedge type is shown in Note 5. Notional amount is the amount on which payment flows are derived and does not represent amounts at risk. </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"t7_174\" style=\"left:780px;bottom:659px;letter-spacing:-0.02px;display:inline;\">Notional </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"ta_174\" style=\"left:870px;bottom:659px;letter-spacing:-0.02px;display:inline;\">Assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"td_174\" style=\"left:931px;bottom:659px;letter-spacing:-0.04px;display:inline;\">Liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"tg_174\" style=\"left:1015px;bottom:659px;letter-spacing:-0.03px;display:inline;\">Notional </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"tj_174\" style=\"left:1104px;bottom:659px;letter-spacing:-0.03px;display:inline;\">Assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"tm_174\" style=\"left:1167px;bottom:659px;letter-spacing:-0.05px;display:inline;\">Liabilities </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"t8_174\" style=\"left:799px;bottom:646px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"tb_174\" style=\"left:877px;bottom:646px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"te_174\" style=\"left:955px;bottom:646px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"th_174\" style=\"left:1033px;bottom:646px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"tk_174\" style=\"left:1111px;bottom:646px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"tn_174\" style=\"left:1189px;bottom:646px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"t9_174\" style=\"left:783px;bottom:632px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"tc_174\" style=\"left:861px;bottom:632px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_174\" id=\"tf_174\" style=\"left:939px;bottom:632px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"ti_174\" style=\"left:1019px;bottom:632px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"tl_174\" style=\"left:1097px;bottom:632px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_174\" id=\"to_174\" style=\"left:1175px;bottom:632px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"tp_174\" style=\"left:65px;bottom:612px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Interest rate derivatives designated in fair value hedges </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tq_174\" style=\"left:65px;bottom:592px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">In less than one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tr_174\" style=\"left:793px;bottom:592px;letter-spacing:-0.26px;display:inline;\">953.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"ts_174\" style=\"left:887px;bottom:592px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tt_174\" style=\"left:960px;bottom:592px;letter-spacing:-0.23px;display:inline;\">(1.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tu_174\" style=\"left:1027px;bottom:592px;letter-spacing:-0.26px;display:inline;\">965.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tv_174\" style=\"left:1120px;bottom:592px;letter-spacing:-0.25px;display:inline;\">3.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tw_174\" style=\"left:1194px;bottom:592px;letter-spacing:-0.23px;display:inline;\">(2.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tx_174\" style=\"left:65px;bottom:572px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">More than one year but less than three years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"ty_174\" style=\"left:782px;bottom:572px;letter-spacing:-0.25px;display:inline;\">1,179.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"tz_174\" style=\"left:887px;bottom:572px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t10_174\" style=\"left:960px;bottom:572px;letter-spacing:-0.23px;display:inline;\">(7.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t11_174\" style=\"left:1027px;bottom:572px;letter-spacing:-0.26px;display:inline;\">941.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t12_174\" style=\"left:1113px;bottom:572px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t13_174\" style=\"left:1194px;bottom:572px;letter-spacing:-0.23px;display:inline;\">(3.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t14_174\" style=\"left:65px;bottom:552px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">More than three years but less than five years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t15_174\" style=\"left:793px;bottom:552px;letter-spacing:-0.26px;display:inline;\">374.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t16_174\" style=\"left:887px;bottom:552px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t17_174\" style=\"left:960px;bottom:552px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t18_174\" style=\"left:1027px;bottom:552px;letter-spacing:-0.26px;display:inline;\">432.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t19_174\" style=\"left:1120px;bottom:552px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1a_174\" style=\"left:1194px;bottom:552px;letter-spacing:-0.23px;display:inline;\">(3.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1b_174\" style=\"left:782px;bottom:533px;letter-spacing:-0.25px;display:inline;\">2,507.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1c_174\" style=\"left:887px;bottom:533px;letter-spacing:-0.25px;display:inline;\">8.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1d_174\" style=\"left:953px;bottom:533px;letter-spacing:-0.24px;display:inline;\">(10.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1e_174\" style=\"left:1016px;bottom:533px;letter-spacing:-0.25px;display:inline;\">2,339.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1f_174\" style=\"left:1113px;bottom:533px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1g_174\" style=\"left:1194px;bottom:533px;letter-spacing:-0.23px;display:inline;\">(9.7) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t1h_174\" style=\"left:65px;bottom:513px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Interest rate derivatives designated in cash flow hedges </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1i_174\" style=\"left:65px;bottom:493px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">In less than one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1j_174\" style=\"left:820px;bottom:493px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1k_174\" style=\"left:897px;bottom:493px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1l_174\" style=\"left:975px;bottom:493px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1m_174\" style=\"left:1042px;bottom:493px;letter-spacing:-0.25px;display:inline;\">9.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1n_174\" style=\"left:1131px;bottom:493px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1o_174\" style=\"left:1194px;bottom:493px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1p_174\" style=\"left:65px;bottom:474px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">More than one year but less than three years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1q_174\" style=\"left:809px;bottom:474px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1r_174\" style=\"left:887px;bottom:474px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1s_174\" style=\"left:975px;bottom:474px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1t_174\" style=\"left:1042px;bottom:474px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1u_174\" style=\"left:1131px;bottom:474px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1v_174\" style=\"left:1209px;bottom:474px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1w_174\" style=\"left:65px;bottom:454px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">More than three years but less than five years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1x_174\" style=\"left:809px;bottom:454px;letter-spacing:-0.25px;display:inline;\">8.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1y_174\" style=\"left:897px;bottom:454px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t1z_174\" style=\"left:975px;bottom:454px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t20_174\" style=\"left:1053px;bottom:454px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t21_174\" style=\"left:1131px;bottom:454px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t22_174\" style=\"left:1209px;bottom:454px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t23_174\" style=\"left:801px;bottom:434px;letter-spacing:-0.26px;display:inline;\">11.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t24_174\" style=\"left:887px;bottom:434px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t25_174\" style=\"left:975px;bottom:434px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t26_174\" style=\"left:1035px;bottom:434px;letter-spacing:-0.26px;display:inline;\">11.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t27_174\" style=\"left:1131px;bottom:434px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t28_174\" style=\"left:1194px;bottom:434px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t29_174\" style=\"left:65px;bottom:414px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Interest rate derivatives - not hedged\u00b9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2a_174\" style=\"left:65px;bottom:395px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">In less than one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2b_174\" style=\"left:820px;bottom:395px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2c_174\" style=\"left:897px;bottom:395px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2d_174\" style=\"left:975px;bottom:395px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2e_174\" style=\"left:1035px;bottom:395px;letter-spacing:-0.26px;display:inline;\">15.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2f_174\" style=\"left:1131px;bottom:395px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2g_174\" style=\"left:1209px;bottom:395px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2h_174\" style=\"left:65px;bottom:375px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">More than one year but less than three years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2i_174\" style=\"left:801px;bottom:375px;letter-spacing:-0.26px;display:inline;\">95.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2j_174\" style=\"left:897px;bottom:375px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2k_174\" style=\"left:975px;bottom:375px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2l_174\" style=\"left:1035px;bottom:375px;letter-spacing:-0.26px;display:inline;\">42.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2m_174\" style=\"left:1131px;bottom:375px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2n_174\" style=\"left:1209px;bottom:375px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2o_174\" style=\"left:65px;bottom:355px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">More than three years but less than five years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2p_174\" style=\"left:809px;bottom:355px;letter-spacing:-0.25px;display:inline;\">8.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2q_174\" style=\"left:897px;bottom:355px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2r_174\" style=\"left:975px;bottom:355px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2s_174\" style=\"left:1053px;bottom:355px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2t_174\" style=\"left:1131px;bottom:355px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2u_174\" style=\"left:1209px;bottom:355px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2v_174\" style=\"left:793px;bottom:335px;letter-spacing:-0.26px;display:inline;\">103.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2w_174\" style=\"left:897px;bottom:335px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2x_174\" style=\"left:975px;bottom:335px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2y_174\" style=\"left:1035px;bottom:335px;letter-spacing:-0.26px;display:inline;\">57.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t2z_174\" style=\"left:1131px;bottom:335px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t30_174\" style=\"left:1209px;bottom:335px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t31_174\" style=\"left:65px;bottom:316px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Foreign exchange derivatives </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t32_174\" style=\"left:65px;bottom:296px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">In less than one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t33_174\" style=\"left:801px;bottom:296px;letter-spacing:-0.26px;display:inline;\">17.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t34_174\" style=\"left:887px;bottom:296px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t35_174\" style=\"left:975px;bottom:296px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t36_174\" style=\"left:1035px;bottom:296px;letter-spacing:-0.26px;display:inline;\">25.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t37_174\" style=\"left:1131px;bottom:296px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t38_174\" style=\"left:1194px;bottom:296px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t39_174\" style=\"left:801px;bottom:276px;letter-spacing:-0.26px;display:inline;\">17.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3a_174\" style=\"left:887px;bottom:276px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3b_174\" style=\"left:975px;bottom:276px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3c_174\" style=\"left:1035px;bottom:276px;letter-spacing:-0.26px;display:inline;\">25.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3d_174\" style=\"left:1131px;bottom:276px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3e_174\" style=\"left:1194px;bottom:276px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_174\" id=\"t3f_174\" style=\"left:65px;bottom:257px;letter-spacing:-0.25px;display:inline;\">Offset </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3g_174\" style=\"left:819px;bottom:257px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3h_174\" style=\"left:882px;bottom:257px;letter-spacing:-0.23px;display:inline;\">(8.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_174\" id=\"t3i_174\" style=\"left:957px;bottom:257px;letter-spacing:-0.26px;display:inline;\">10.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3j_174\" style=\"left:1053px;bottom:257px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3k_174\" style=\"left:1131px;bottom:257px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3l_174\" style=\"left:1209px;bottom:257px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3m_174\" style=\"left:782px;bottom:237px;letter-spacing:-0.25px;display:inline;\">2,638.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3n_174\" style=\"left:886px;bottom:237px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3o_174\" style=\"left:960px;bottom:237px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3p_174\" style=\"left:1016px;bottom:237px;letter-spacing:-0.25px;display:inline;\">2,434.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3q_174\" style=\"left:1112px;bottom:237px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_174\" id=\"t3r_174\" style=\"left:1186px;bottom:237px;letter-spacing:-0.24px;display:inline;\">(10.0) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s9_174\" id=\"t3s_174\" style=\"left:65px;bottom:212px;letter-spacing:-0.08px;display:inline;\">Note: </div><div class=\"t s9_174\" id=\"t3t_174\" style=\"left:65px;bottom:194px;letter-spacing:-0.1px;word-spacing:0.06px;display:inline;\">1. Derivatives not in hedge relationships at the end of the reporting period will either enter a hedge relationship in the following month, or be in the final month of maturity. </div><div></div><div class=\"t s2_175\" id=\"t3_175\" style=\"left:65px;bottom:717px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In order to manage interest rate risk arising from fixed-rate financial instruments, the Group </div>\n<div class=\"t s2_175\" id=\"t4_175\" style=\"left:65px;bottom:701px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">monitors its interest rate mismatch regularly throughout each month, seeking to \u2018match\u2019 assets and </div>\n<div class=\"t s3_175\" id=\"t5_175\" style=\"left:65px;bottom:685px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">liabilities in the first instance and hedging residual risk using interest rate derivatives to maintain </div>\n<div class=\"t s2_175\" id=\"t6_175\" style=\"left:65px;bottom:669px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">adherence to risk appetites. Some residual risk remains due to timing differences. The exposure </div>\n<div class=\"t s3_175\" id=\"t7_175\" style=\"left:65px;bottom:653px;letter-spacing:-0.38px;display:inline;\">from the portfolio frequently changes due to the origination of new instruments, contractual </div>\n<div class=\"t s2_175\" id=\"t8_175\" style=\"left:65px;bottom:637px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">repayments and early prepayments made in each period. As a result, the Group adopts a dynamic </div>\n<div class=\"t s2_175\" id=\"t9_175\" style=\"left:65px;bottom:621px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">hedging strategy (sometimes referred to as \u2018macro\u2019 or \u2018portfolio\u2019 hedge) to hedge its exposure profile </div>\n<div class=\"t s2_175\" id=\"ta_175\" style=\"left:65px;bottom:605px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">by closing and entering into new interest rate derivative agreements. The Group establishes the </div>\n<div class=\"t s3_175\" id=\"tb_175\" style=\"left:65px;bottom:589px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hedging ratio by matching the derivatives with the principal of the portfolio being hedged. </div>\n<div class=\"t s2_175\" id=\"tc_175\" style=\"left:65px;bottom:566px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The following table sets out details of the hedged exposures covered by the Group\u2019s </div>\n<div class=\"t s2_175\" id=\"td_175\" style=\"left:65px;bottom:550px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">hedging strategies: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tl_175\" style=\"left:401px;bottom:530px;display:inline;\">Accumulated </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t12_175\" style=\"left:559px;bottom:530px;letter-spacing:-0.02px;display:inline;\">Accumulated </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tm_175\" style=\"left:430px;bottom:517px;display:inline;\">amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t13_175\" style=\"left:587px;bottom:517px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tn_175\" style=\"left:409px;bottom:503px;letter-spacing:-0.03px;display:inline;\">of fair value </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t14_175\" style=\"left:567px;bottom:503px;letter-spacing:-0.04px;display:inline;\">of fair value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"te_175\" style=\"left:363px;bottom:489px;letter-spacing:-0.03px;display:inline;\">Carry </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"to_175\" style=\"left:406px;bottom:489px;letter-spacing:-0.01px;display:inline;\">adjustments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"tv_175\" style=\"left:477px;bottom:489px;letter-spacing:-0.02px;display:inline;\">Carry amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t15_175\" style=\"left:563px;bottom:489px;letter-spacing:-0.02px;display:inline;\">adjustments </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tf_175\" style=\"left:339px;bottom:475px;letter-spacing:-0.01px;display:inline;\">amount of </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tp_175\" style=\"left:400px;bottom:475px;letter-spacing:-0.02px;display:inline;\">in the hedged </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"tw_175\" style=\"left:539px;bottom:475px;letter-spacing:-0.06px;display:inline;\">of </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t16_175\" style=\"left:558px;bottom:475px;letter-spacing:-0.03px;display:inline;\">in the hedged </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tg_175\" style=\"left:328px;bottom:462px;letter-spacing:-0.01px;display:inline;\">hedged item </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tq_175\" style=\"left:442px;bottom:462px;letter-spacing:-0.01px;display:inline;\">items </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"tx_175\" style=\"left:485px;bottom:462px;letter-spacing:-0.02px;display:inline;\">hedged item </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t17_175\" style=\"left:599px;bottom:462px;letter-spacing:-0.03px;display:inline;\">items </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"th_175\" style=\"left:362px;bottom:448px;letter-spacing:-0.02px;display:inline;\">asset/ </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tr_175\" style=\"left:440px;bottom:448px;letter-spacing:-0.02px;display:inline;\">asset/ </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"ty_175\" style=\"left:518px;bottom:448px;letter-spacing:-0.03px;display:inline;\">asset/ </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t18_175\" style=\"left:578px;bottom:448px;letter-spacing:-0.05px;display:inline;\">(liability)/ </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"ti_175\" style=\"left:347px;bottom:434px;letter-spacing:-0.04px;display:inline;\">(liability) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"ts_175\" style=\"left:425px;bottom:434px;letter-spacing:-0.04px;display:inline;\">(liability) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"tz_175\" style=\"left:504px;bottom:434px;letter-spacing:-0.05px;display:inline;\">(liability) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t19_175\" style=\"left:601px;bottom:434px;letter-spacing:-0.04px;display:inline;\">asset </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tj_175\" style=\"left:366px;bottom:420px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tt_175\" style=\"left:444px;bottom:420px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t10_175\" style=\"left:522px;bottom:420px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t1a_175\" style=\"left:600px;bottom:420px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tk_175\" style=\"left:350px;bottom:407px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"tu_175\" style=\"left:428px;bottom:407px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t11_175\" style=\"left:508px;bottom:407px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t1b_175\" style=\"left:586px;bottom:407px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t1c_175\" style=\"left:65px;bottom:386px;letter-spacing:-0.28px;display:inline;\">ASSETS </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t1d_175\" style=\"left:65px;bottom:367px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Interest rate fair value hedges </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t1e_175\" style=\"left:65px;bottom:347px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1f_175\" style=\"left:65px;bottom:327px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Fixed rate Real Estate Finance loans </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1g_175\" style=\"left:360px;bottom:327px;letter-spacing:-0.26px;display:inline;\">558.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1h_175\" style=\"left:453px;bottom:327px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1i_175\" style=\"left:516px;bottom:327px;letter-spacing:-0.26px;display:inline;\">519.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1j_175\" style=\"left:605px;bottom:327px;letter-spacing:-0.23px;display:inline;\">(5.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1k_175\" style=\"left:65px;bottom:307px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Fixed rate Consumer Finance loans </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1l_175\" style=\"left:360px;bottom:307px;letter-spacing:-0.26px;display:inline;\">680.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1m_175\" style=\"left:453px;bottom:307px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1n_175\" style=\"left:516px;bottom:307px;letter-spacing:-0.26px;display:inline;\">723.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1o_175\" style=\"left:605px;bottom:307px;letter-spacing:-0.23px;display:inline;\">(1.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1p_175\" style=\"left:349px;bottom:288px;letter-spacing:-0.25px;display:inline;\">1,239.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1q_175\" style=\"left:453px;bottom:288px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1r_175\" style=\"left:505px;bottom:288px;letter-spacing:-0.25px;display:inline;\">1,243.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1s_175\" style=\"left:605px;bottom:288px;letter-spacing:-0.23px;display:inline;\">(6.8) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t1t_175\" style=\"left:65px;bottom:268px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Interest rate cash flow hedges </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t1u_175\" style=\"left:65px;bottom:248px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_175\" id=\"t1v_175\" style=\"left:65px;bottom:228px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Bank of England reserve </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1w_175\" style=\"left:368px;bottom:228px;letter-spacing:-0.26px;display:inline;\">11.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1x_175\" style=\"left:448px;bottom:228px;letter-spacing:-0.75px;display:inline;\">N/A </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1y_175\" style=\"left:524px;bottom:228px;letter-spacing:-0.26px;display:inline;\">11.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t1z_175\" style=\"left:604px;bottom:228px;letter-spacing:-0.75px;display:inline;\">N/A </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t20_175\" style=\"left:349px;bottom:209px;letter-spacing:-0.25px;display:inline;\">1,250.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t21_175\" style=\"left:453px;bottom:209px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t22_175\" style=\"left:505px;bottom:209px;letter-spacing:-0.25px;display:inline;\">1,254.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t23_175\" style=\"left:605px;bottom:209px;letter-spacing:-0.23px;display:inline;\">(6.8) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t24_175\" style=\"left:65px;bottom:189px;letter-spacing:-0.26px;display:inline;\">LIABILITIES </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t25_175\" style=\"left:65px;bottom:169px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Interest rate fair value hedges </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t26_175\" style=\"left:65px;bottom:150px;letter-spacing:-0.26px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t27_175\" style=\"left:65px;bottom:130px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Fixed rate customer deposits </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t28_175\" style=\"left:345px;bottom:130px;letter-spacing:-0.24px;display:inline;\">(1,177.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t29_175\" style=\"left:449px;bottom:130px;letter-spacing:-0.23px;display:inline;\">(3.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2a_175\" style=\"left:501px;bottom:130px;letter-spacing:-0.24px;display:inline;\">(1,006.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2b_175\" style=\"left:609px;bottom:130px;letter-spacing:-0.25px;display:inline;\">3.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t2c_175\" style=\"left:65px;bottom:110px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2d_175\" style=\"left:65px;bottom:90px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Fixed rate Tier 2 regulatory capital </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2e_175\" style=\"left:364px;bottom:90px;letter-spacing:-0.24px;display:inline;\">(90.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2f_175\" style=\"left:449px;bottom:90px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2g_175\" style=\"left:519px;bottom:90px;letter-spacing:-0.24px;display:inline;\">(90.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t2h_175\" style=\"left:609px;bottom:90px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t2i_175\" style=\"left:345px;bottom:71px;letter-spacing:-0.24px;display:inline;\">(1,267.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t2j_175\" style=\"left:449px;bottom:71px;letter-spacing:-0.23px;display:inline;\">(4.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t2k_175\" style=\"left:501px;bottom:71px;letter-spacing:-0.24px;display:inline;\">(1,096.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t2l_175\" style=\"left:609px;bottom:71px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s2_175\" id=\"t2m_175\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">The following table shows: </div>\n<div class=\"t s3_175\" id=\"t2n_175\" style=\"left:654px;bottom:718px;letter-spacing:-0.39px;word-spacing:0.22px;display:inline;\">\u2022 amounts which have been offset, where there is an enforceable master netting arrangement or </div>\n<div class=\"t s2_175\" id=\"t2o_175\" style=\"left:667px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">similar agreement in place, an unconditional right to offset exists and there is an intention to </div>\n<div class=\"t s2_175\" id=\"t2p_175\" style=\"left:667px;bottom:686px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">settle net (\u2018amounts offset\u2019); and </div>\n<div class=\"t s3_175\" id=\"t2q_175\" style=\"left:654px;bottom:665px;letter-spacing:-0.39px;word-spacing:0.22px;display:inline;\">\u2022 amounts which have not been offset, where there is an enforceable master netting arrangement </div>\n<div class=\"t s2_175\" id=\"t2r_175\" style=\"left:667px;bottom:649px;letter-spacing:-0.37px;display:inline;\">or similar agreement in place, but the offset criteria are otherwise not satisfied (\u2018master netting </div>\n<div class=\"t s2_175\" id=\"t2s_175\" style=\"left:667px;bottom:633px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">arrangements\u2019) and/or where financial collateral has been paid or received (\u2018financial collateral\u2019). </div>\n<div class=\"t s2_175\" id=\"t2t_175\" style=\"left:667px;bottom:617px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Financial collateral consists of cash settled, typically daily or weekly, to mitigate the credit risk on </div>\n<div class=\"t s3_175\" id=\"t2u_175\" style=\"left:667px;bottom:601px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the fair value of derivatives. </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t33_175\" style=\"left:1003px;bottom:579px;letter-spacing:-0.03px;display:inline;\">Net </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t34_175\" style=\"left:982px;bottom:565px;display:inline;\">amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t35_175\" style=\"left:976px;bottom:551px;letter-spacing:-0.03px;display:inline;\">reported </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3a_175\" style=\"left:1049px;bottom:551px;display:inline;\">Master </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3i_175\" style=\"left:1197px;bottom:551px;letter-spacing:-0.03px;display:inline;\">Net </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t2w_175\" style=\"left:863px;bottom:538px;letter-spacing:-0.01px;display:inline;\">Gross </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t36_175\" style=\"left:1010px;bottom:538px;display:inline;\">on </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3b_175\" style=\"left:1049px;bottom:538px;letter-spacing:-0.02px;display:inline;\">netting </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3j_175\" style=\"left:1170px;bottom:538px;display:inline;\">amounts </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t2x_175\" style=\"left:853px;bottom:524px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t30_175\" style=\"left:910px;bottom:524px;letter-spacing:-0.01px;display:inline;\">Amounts </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t37_175\" style=\"left:982px;bottom:524px;letter-spacing:-0.03px;display:inline;\">balance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3c_175\" style=\"left:1042px;bottom:524px;letter-spacing:-0.04px;display:inline;\">arrange- </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3f_175\" style=\"left:1104px;bottom:524px;letter-spacing:-0.02px;display:inline;\">Financial </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3k_175\" style=\"left:1190px;bottom:524px;letter-spacing:-0.03px;display:inline;\">after </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t2y_175\" style=\"left:836px;bottom:510px;letter-spacing:-0.02px;display:inline;\">recognised </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t31_175\" style=\"left:927px;bottom:510px;letter-spacing:-0.03px;display:inline;\">offset </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t38_175\" style=\"left:994px;bottom:510px;letter-spacing:-0.01px;display:inline;\">sheet </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3d_175\" style=\"left:1055px;bottom:510px;display:inline;\">ments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3g_175\" style=\"left:1102px;bottom:510px;letter-spacing:-0.05px;display:inline;\">collateral </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3l_175\" style=\"left:1165px;bottom:510px;letter-spacing:-0.03px;display:inline;\">offsetting </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t2v_175\" style=\"left:654px;bottom:496px;letter-spacing:-0.01px;display:inline;\">31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t2z_175\" style=\"left:851px;bottom:496px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t32_175\" style=\"left:915px;bottom:496px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t39_175\" style=\"left:980px;bottom:496px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3e_175\" style=\"left:1044px;bottom:496px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3h_175\" style=\"left:1109px;bottom:496px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_175\" id=\"t3m_175\" style=\"left:1173px;bottom:496px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t3n_175\" style=\"left:654px;bottom:476px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial assets </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3o_175\" style=\"left:654px;bottom:456px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Interest rate derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3p_175\" style=\"left:876px;bottom:456px;letter-spacing:-0.25px;display:inline;\">8.5 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3q_175\" style=\"left:936px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(8.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3r_175\" style=\"left:1005px;bottom:456px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3s_175\" style=\"left:1065px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3t_175\" style=\"left:1130px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t3u_175\" style=\"left:1209px;bottom:456px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t3v_175\" style=\"left:876px;bottom:436px;letter-spacing:-0.25px;display:inline;\">8.5 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t3w_175\" style=\"left:936px;bottom:436px;letter-spacing:-0.23px;display:inline;\">(8.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t3x_175\" style=\"left:1005px;bottom:436px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t3y_175\" style=\"left:1065px;bottom:436px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t3z_175\" style=\"left:1130px;bottom:436px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t40_175\" style=\"left:1209px;bottom:436px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t41_175\" style=\"left:654px;bottom:416px;letter-spacing:-0.24px;word-spacing:0.01px;display:inline;\">Derivative financial liabilities </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t42_175\" style=\"left:654px;bottom:396px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Interest rate derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t43_175\" style=\"left:864px;bottom:396px;letter-spacing:-0.24px;display:inline;\">(10.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t44_175\" style=\"left:932px;bottom:396px;letter-spacing:-0.26px;display:inline;\">10.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t45_175\" style=\"left:1001px;bottom:396px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t46_175\" style=\"left:1069px;bottom:396px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t47_175\" style=\"left:1145px;bottom:396px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t48_175\" style=\"left:1209px;bottom:396px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t49_175\" style=\"left:864px;bottom:376px;letter-spacing:-0.24px;display:inline;\">(10.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t4a_175\" style=\"left:932px;bottom:376px;letter-spacing:-0.26px;display:inline;\">10.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t4b_175\" style=\"left:1001px;bottom:376px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t4c_175\" style=\"left:1069px;bottom:376px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t4d_175\" style=\"left:1145px;bottom:376px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t4e_175\" style=\"left:1209px;bottom:376px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s2_175\" id=\"t4f_175\" style=\"left:654px;bottom:349px;letter-spacing:-0.38px;display:inline;\">Amounts offset for derivative financial assets of \u00a38.3 million include variation margin netted </div>\n<div class=\"t s2_175\" id=\"t4g_175\" style=\"left:654px;bottom:333px;letter-spacing:-0.38px;display:inline;\">of \u00a32.3 million at 31 December 2025. </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t4i_175\" style=\"left:992px;bottom:313px;letter-spacing:-0.03px;display:inline;\">Gross </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4j_175\" style=\"left:982px;bottom:299px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4k_175\" style=\"left:976px;bottom:286px;letter-spacing:-0.03px;display:inline;\">reported </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t4p_175\" style=\"left:1049px;bottom:286px;letter-spacing:-0.01px;display:inline;\">Master </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4x_175\" style=\"left:1197px;bottom:286px;letter-spacing:-0.03px;display:inline;\">Net </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4l_175\" style=\"left:1009px;bottom:272px;letter-spacing:-0.04px;display:inline;\">on </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4q_175\" style=\"left:1050px;bottom:272px;letter-spacing:-0.04px;display:inline;\">netting </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4y_175\" style=\"left:1171px;bottom:272px;letter-spacing:-0.02px;display:inline;\">amounts </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4m_175\" style=\"left:982px;bottom:258px;letter-spacing:-0.03px;display:inline;\">balance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t4r_175\" style=\"left:1043px;bottom:258px;letter-spacing:-0.05px;display:inline;\">arrange- </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t4u_175\" style=\"left:1105px;bottom:258px;letter-spacing:-0.03px;display:inline;\">Financial </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4z_175\" style=\"left:1191px;bottom:258px;letter-spacing:-0.04px;display:inline;\">after </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4n_175\" style=\"left:994px;bottom:244px;letter-spacing:-0.03px;display:inline;\">sheet </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4s_175\" style=\"left:1055px;bottom:244px;letter-spacing:-0.02px;display:inline;\">ments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4v_175\" style=\"left:1103px;bottom:244px;letter-spacing:-0.07px;display:inline;\">collateral </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t50_175\" style=\"left:1166px;bottom:244px;letter-spacing:-0.04px;display:inline;\">offsetting </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_175\" id=\"t4h_175\" style=\"left:654px;bottom:231px;letter-spacing:-0.01px;display:inline;\">31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4o_175\" style=\"left:980px;bottom:231px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4t_175\" style=\"left:1045px;bottom:231px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t4w_175\" style=\"left:1110px;bottom:231px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_175\" id=\"t51_175\" style=\"left:1175px;bottom:231px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t52_175\" style=\"left:654px;bottom:210px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial assets </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t53_175\" style=\"left:654px;bottom:190px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Interest rate derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t54_175\" style=\"left:996px;bottom:190px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t55_175\" style=\"left:1065px;bottom:190px;letter-spacing:-0.23px;display:inline;\">(9.8) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t56_175\" style=\"left:1130px;bottom:190px;letter-spacing:-0.23px;display:inline;\">(4.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t57_175\" style=\"left:1198px;bottom:190px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t58_175\" style=\"left:996px;bottom:171px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t59_175\" style=\"left:1065px;bottom:171px;letter-spacing:-0.23px;display:inline;\">(9.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5a_175\" style=\"left:1129px;bottom:171px;letter-spacing:-0.23px;display:inline;\">(4.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5b_175\" style=\"left:1198px;bottom:171px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5c_175\" style=\"left:654px;bottom:151px;letter-spacing:-0.24px;word-spacing:0.01px;display:inline;\">Derivative financial liabilities </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5d_175\" style=\"left:654px;bottom:131px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Interest rate derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5e_175\" style=\"left:1000px;bottom:131px;letter-spacing:-0.23px;display:inline;\">(9.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5f_175\" style=\"left:1069px;bottom:131px;letter-spacing:-0.25px;display:inline;\">9.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5g_175\" style=\"left:1145px;bottom:131px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5h_175\" style=\"left:1209px;bottom:131px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5i_175\" style=\"left:654px;bottom:111px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Foreign exchange derivatives </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5j_175\" style=\"left:1000px;bottom:111px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5k_175\" style=\"left:1080px;bottom:111px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5l_175\" style=\"left:1145px;bottom:111px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_175\" id=\"t5m_175\" style=\"left:1194px;bottom:111px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5n_175\" style=\"left:992px;bottom:92px;letter-spacing:-0.24px;display:inline;\">(10.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5o_175\" style=\"left:1069px;bottom:92px;letter-spacing:-0.25px;display:inline;\">9.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5p_175\" style=\"left:1144px;bottom:92px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"undefined\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_175\" id=\"t5q_175\" style=\"left:1194px;bottom:92px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00347": {
   "value": "<span>19. Assets held for sale </span><div class=\"t s3_176\" id=\"t4_176\" style=\"left:65px;bottom:717px;letter-spacing:-0.38px;display:inline;\">Under IFRS 5, Non-current Assets Held for Sale and Discontinued Operations, assets and liabilities </div><div class=\"t s3_176\" id=\"t5_176\" style=\"left:65px;bottom:701px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">are required to be reclassified as \u2018Held for Sale\u2019 on the face of the statement of financial position if </div><div class=\"t s3_176\" id=\"t6_176\" style=\"left:65px;bottom:685px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">they are expected to be sold within 12 months of the balance sheet date. </div><div class=\"t s3_176\" id=\"t7_176\" style=\"left:65px;bottom:663px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">As at 31 December 2025, the Group\u2019s Consumer Vehicle Finance business met the criteria to be </div><div class=\"t s3_176\" id=\"t8_176\" style=\"left:65px;bottom:647px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">classified as Held for Sale. Accordingly, the business\u2019s loans and advances to customers was </div><div class=\"t s4_176\" id=\"t9_176\" style=\"left:65px;bottom:631px;letter-spacing:-0.38px;display:inline;\">reclassified in the Consolidated and Company statement of financial position at its carrying amount </div><span>(amortised cost) of \u00a3390.8 million to Assets held for sale. This sale was completed in February 2026.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00348": {
   "value": "<span>20. Investment property </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_176\" id=\"tc_176\" style=\"left:516px;bottom:571px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_176\" id=\"te_176\" style=\"left:577px;bottom:571px;letter-spacing:-0.02px;display:inline;\">Company </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_176\" id=\"td_176\" style=\"left:506px;bottom:557px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_176\" id=\"tf_176\" style=\"left:584px;bottom:557px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_176\" id=\"tg_176\" style=\"left:65px;bottom:537px;letter-spacing:-0.26px;display:inline;\">At 1 January 2024 and 31 December 2024 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_176\" id=\"th_176\" style=\"left:542px;bottom:537px;display:inline;\">\u2013 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_176\" id=\"ti_176\" style=\"left:609px;bottom:537px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td></tr><tr><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_176\" id=\"tj_176\" style=\"left:65px;bottom:517px;letter-spacing:-0.25px;display:inline;\">Additions </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_176\" id=\"tk_176\" style=\"left:524px;bottom:517px;letter-spacing:-0.26px;display:inline;\">24.1 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_176\" id=\"tl_176\" style=\"left:620px;bottom:517px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_176\" id=\"tm_176\" style=\"left:65px;bottom:498px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_176\" id=\"tn_176\" style=\"left:523px;bottom:498px;letter-spacing:-0.26px;display:inline;\">24.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_176\" id=\"to_176\" style=\"left:609px;bottom:498px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td></tr>\n                                        </table>\n<div class=\"t s3_176\" id=\"tp_176\" style=\"left:65px;bottom:470px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s investment property comprises 100 Violet Road, London E3 3QH, which was </div><div class=\"t s3_176\" id=\"tq_176\" style=\"left:65px;bottom:454px;letter-spacing:-0.38px;display:inline;\">purchased in December 2025. The fair value of the property is \u00a322.5 million. </div><div class=\"t s3_176\" id=\"tr_176\" style=\"left:65px;bottom:432px;letter-spacing:-0.43px;word-spacing:0.04px;display:inline;\">The Company\u2019s investment property comprises 25 and 26 Neptune Court, Vanguard Way, </div><div class=\"t s3_176\" id=\"ts_176\" style=\"left:65px;bottom:415px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">Cardiff CF24 5PJ, which is occupied by one of the Company\u2019s subsidiaries. </div><div class=\"t s3_176\" id=\"tt_176\" style=\"left:65px;bottom:393px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Company\u2019s investment property was stated at fair value as at 31 December 2025, based </div><div class=\"t s3_176\" id=\"tu_176\" style=\"left:65px;bottom:377px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">on external valuations performed by professionally qualified valuers Knight Frank LLP in </div><div class=\"t s3_176\" id=\"tv_176\" style=\"left:65px;bottom:361px;letter-spacing:-0.4px;display:inline;\">December 2024. </div><div class=\"t s3_176\" id=\"tw_176\" style=\"left:654px;bottom:740px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">These valuations were undertaken in accordance with the current editions of RICS Valuation \u2013 </div><div class=\"t s3_176\" id=\"tx_176\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Global Standards, which incorporate the International Valuations Standards, and the RICS UK </div><div class=\"t s4_176\" id=\"ty_176\" style=\"left:654px;bottom:708px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">National Supplement. The valuations were carried out using the comparative and investment </div><div class=\"t s4_176\" id=\"tz_176\" style=\"left:654px;bottom:692px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">methods, and were arrived at by reference to market evidence of the transaction prices paid for </div><div class=\"t s3_176\" id=\"t10_176\" style=\"left:654px;bottom:676px;letter-spacing:-0.38px;display:inline;\">similar properties, together with evidence of demand within the vicinity of the subject properties. </div><div class=\"t s3_176\" id=\"t11_176\" style=\"left:654px;bottom:660px;letter-spacing:-0.37px;display:inline;\">In estimating the fair value of the properties, the valuers consider the highest and best use of the </div><div class=\"t s3_176\" id=\"t12_176\" style=\"left:654px;bottom:644px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">properties. Knight Frank LLP were paid a fixed fee for the valuations. Knight Frank LLP also </div><div class=\"t s3_176\" id=\"t13_176\" style=\"left:654px;bottom:628px;letter-spacing:-0.39px;word-spacing:-0.01px;display:inline;\">undertakes some professional work in respect of the Group\u2019s Real Estate Finance business, although </div><div class=\"t s3_176\" id=\"t14_176\" style=\"left:654px;bottom:612px;letter-spacing:-0.37px;display:inline;\">this is limited in relation to the activities of the Group as a whole. The Directors assessed the value </div><div class=\"t s3_176\" id=\"t15_176\" style=\"left:654px;bottom:596px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of the investment property at the year-end, and concluded the valuation remains appropriate. </div><div class=\"t s7_176\" id=\"t16_176\" style=\"left:671px;bottom:558px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\"><span>Investment property accounting policy </span></div><div class=\"t s3_176\" id=\"t17_176\" style=\"left:671px;bottom:538px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Investment property, which is property held to earn rentals and for capital appreciation, is </div><div class=\"t s4_176\" id=\"t18_176\" style=\"left:671px;bottom:522px;letter-spacing:-0.38px;display:inline;\">measured initially at cost, including transaction costs. Subsequent to initial recognition, for </div><div class=\"t s3_176\" id=\"t19_176\" style=\"left:671px;bottom:506px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Group, investment property is measured at cost. Depreciation is calculated using the </div><div class=\"t s3_176\" id=\"t1a_176\" style=\"left:671px;bottom:490px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">straight-line method to allocate their cost to their residual values over their estimated useful </div><div class=\"t s3_176\" id=\"t1b_176\" style=\"left:671px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">lives, which are subject to regular review (see property, plant and equipment accounting </div><div class=\"t s3_176\" id=\"t1c_176\" style=\"left:671px;bottom:458px;letter-spacing:-0.38px;display:inline;\">policy for estimated useful lives). This represents a change in accounting policy for the Group, </div><div class=\"t s3_176\" id=\"t1d_176\" style=\"left:671px;bottom:442px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">noting the Group held no investment properties in the prior year. For the Company </div><div class=\"t s3_176\" id=\"t1e_176\" style=\"left:671px;bottom:425px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">investment property is measured at fair value. External valuations are performed on a </div><div class=\"t s3_176\" id=\"t1f_176\" style=\"left:671px;bottom:409px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">triennial basis. Gains or losses arising from changes in the fair value of investment property </div><div class=\"t s3_176\" id=\"t1g_176\" style=\"left:671px;bottom:393px;letter-spacing:-0.38px;display:inline;\">are included in the income statement in the period in which they arise. </div><div class=\"t s4_176\" id=\"t1h_176\" style=\"left:671px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">An investment property is derecognised upon disposal or when the investment property is </div><div class=\"t s3_176\" id=\"t1i_176\" style=\"left:671px;bottom:355px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">permanently withdrawn from use and no future economic benefits are expected from the </div><div class=\"t s3_176\" id=\"t1j_176\" style=\"left:671px;bottom:339px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">disposal. Any gain or loss arising on derecognition of the property (calculated as the difference </div><div class=\"t s3_176\" id=\"t1k_176\" style=\"left:671px;bottom:323px;letter-spacing:-0.38px;display:inline;\">between the net disposal proceeds and the carrying amount of the asset) is included in the </div><span>income statement in the period in which the property is derecognised.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00483": {
   "value": "<span>Investment property accounting policy </span><div class=\"t s3_176\" id=\"t17_176\" style=\"left:671px;bottom:538px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Investment property, which is property held to earn rentals and for capital appreciation, is </div><div class=\"t s4_176\" id=\"t18_176\" style=\"left:671px;bottom:522px;letter-spacing:-0.38px;display:inline;\">measured initially at cost, including transaction costs. Subsequent to initial recognition, for </div><div class=\"t s3_176\" id=\"t19_176\" style=\"left:671px;bottom:506px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Group, investment property is measured at cost. Depreciation is calculated using the </div><div class=\"t s3_176\" id=\"t1a_176\" style=\"left:671px;bottom:490px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">straight-line method to allocate their cost to their residual values over their estimated useful </div><div class=\"t s3_176\" id=\"t1b_176\" style=\"left:671px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">lives, which are subject to regular review (see property, plant and equipment accounting </div><div class=\"t s3_176\" id=\"t1c_176\" style=\"left:671px;bottom:458px;letter-spacing:-0.38px;display:inline;\">policy for estimated useful lives). This represents a change in accounting policy for the Group, </div><div class=\"t s3_176\" id=\"t1d_176\" style=\"left:671px;bottom:442px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">noting the Group held no investment properties in the prior year. For the Company </div><div class=\"t s3_176\" id=\"t1e_176\" style=\"left:671px;bottom:425px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">investment property is measured at fair value. External valuations are performed on a </div><div class=\"t s3_176\" id=\"t1f_176\" style=\"left:671px;bottom:409px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">triennial basis. Gains or losses arising from changes in the fair value of investment property </div><div class=\"t s3_176\" id=\"t1g_176\" style=\"left:671px;bottom:393px;letter-spacing:-0.38px;display:inline;\">are included in the income statement in the period in which they arise. </div><div class=\"t s4_176\" id=\"t1h_176\" style=\"left:671px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">An investment property is derecognised upon disposal or when the investment property is </div><div class=\"t s3_176\" id=\"t1i_176\" style=\"left:671px;bottom:355px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">permanently withdrawn from use and no future economic benefits are expected from the </div><div class=\"t s3_176\" id=\"t1j_176\" style=\"left:671px;bottom:339px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">disposal. Any gain or loss arising on derecognition of the property (calculated as the difference </div><div class=\"t s3_176\" id=\"t1k_176\" style=\"left:671px;bottom:323px;letter-spacing:-0.38px;display:inline;\">between the net disposal proceeds and the carrying amount of the asset) is included in the </div><span>income statement in the period in which the property is derecognised.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00349": {
   "value": "<span>21. Property, plant and equipment </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s3_177\" id=\"t4_177\" style=\"left:341px;bottom:720px;display:inline;\">Group </div> </td><td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s3_177\" id=\"t5_177\" style=\"left:516px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Company </div> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"t6_177\" style=\"left:275px;bottom:701px;letter-spacing:-0.06px;display:inline;\">Freehold </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"ta_177\" style=\"left:333px;bottom:701px;display:inline;\">Computer </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tg_177\" style=\"left:459px;bottom:701px;letter-spacing:-0.07px;display:inline;\">Freehold </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tk_177\" style=\"left:518px;bottom:701px;display:inline;\">Computer </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"t7_177\" style=\"left:277px;bottom:688px;letter-spacing:-0.02px;display:inline;\">land and </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tb_177\" style=\"left:336px;bottom:688px;letter-spacing:-0.02px;display:inline;\">and other </div></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"th_177\" style=\"left:462px;bottom:688px;letter-spacing:-0.02px;display:inline;\">land and </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tl_177\" style=\"left:520px;bottom:688px;letter-spacing:-0.02px;display:inline;\">and other </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"t8_177\" style=\"left:274px;bottom:674px;letter-spacing:-0.02px;display:inline;\">buildings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tc_177\" style=\"left:329px;bottom:674px;display:inline;\">equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"te_177\" style=\"left:419px;bottom:674px;letter-spacing:-0.34px;display:inline;\">Total </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"ti_177\" style=\"left:459px;bottom:674px;letter-spacing:-0.02px;display:inline;\">buildings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tm_177\" style=\"left:514px;bottom:674px;display:inline;\">equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"to_177\" style=\"left:602px;bottom:674px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"t9_177\" style=\"left:279px;bottom:660px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"td_177\" style=\"left:344px;bottom:660px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tf_177\" style=\"left:403px;bottom:660px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tj_177\" style=\"left:464px;bottom:660px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tn_177\" style=\"left:529px;bottom:660px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_177\" id=\"tp_177\" style=\"left:585px;bottom:660px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"tq_177\" style=\"left:65px;bottom:640px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"tr_177\" style=\"left:65px;bottom:620px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"ts_177\" style=\"left:296px;bottom:620px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"tt_177\" style=\"left:369px;bottom:620px;letter-spacing:-0.25px;display:inline;\">7.7 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"tu_177\" style=\"left:420px;bottom:620px;letter-spacing:-0.26px;display:inline;\">17.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"tv_177\" style=\"left:489px;bottom:620px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"tw_177\" style=\"left:554px;bottom:620px;letter-spacing:-0.25px;display:inline;\">7.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"tx_177\" style=\"left:602px;bottom:620px;letter-spacing:-0.26px;display:inline;\">10.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"ty_177\" style=\"left:65px;bottom:600px;letter-spacing:-0.25px;display:inline;\">Additions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"tz_177\" style=\"left:315px;bottom:600px;display:inline;\">\u2013 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t10_177\" style=\"left:369px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t11_177\" style=\"left:428px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t12_177\" style=\"left:500px;bottom:600px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t13_177\" style=\"left:554px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t14_177\" style=\"left:610px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t15_177\" style=\"left:65px;bottom:580px;letter-spacing:-0.26px;display:inline;\">Impairment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t16_177\" style=\"left:300px;bottom:580px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t17_177\" style=\"left:380px;bottom:580px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t18_177\" style=\"left:424px;bottom:580px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t19_177\" style=\"left:500px;bottom:580px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1a_177\" style=\"left:565px;bottom:580px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1b_177\" style=\"left:621px;bottom:580px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1c_177\" style=\"left:65px;bottom:561px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1d_177\" style=\"left:304px;bottom:561px;letter-spacing:-0.25px;display:inline;\">9.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1e_177\" style=\"left:369px;bottom:561px;letter-spacing:-0.25px;display:inline;\">8.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1f_177\" style=\"left:420px;bottom:561px;letter-spacing:-0.26px;display:inline;\">17.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1g_177\" style=\"left:488px;bottom:561px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1h_177\" style=\"left:553px;bottom:561px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1i_177\" style=\"left:602px;bottom:561px;letter-spacing:-0.26px;display:inline;\">11.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t1j_177\" style=\"left:65px;bottom:541px;letter-spacing:-0.25px;display:inline;\">Additions </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1k_177\" style=\"left:315px;bottom:541px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1l_177\" style=\"left:369px;bottom:541px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1m_177\" style=\"left:428px;bottom:541px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1n_177\" style=\"left:489px;bottom:541px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1o_177\" style=\"left:554px;bottom:541px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1p_177\" style=\"left:610px;bottom:541px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1q_177\" style=\"left:65px;bottom:521px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1r_177\" style=\"left:300px;bottom:521px;letter-spacing:-0.23px;display:inline;\">(4.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1s_177\" style=\"left:365px;bottom:521px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1t_177\" style=\"left:424px;bottom:521px;letter-spacing:-0.23px;display:inline;\">(4.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1u_177\" style=\"left:500px;bottom:521px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1v_177\" style=\"left:550px;bottom:521px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t1w_177\" style=\"left:606px;bottom:521px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1x_177\" style=\"left:65px;bottom:501px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1y_177\" style=\"left:304px;bottom:501px;letter-spacing:-0.25px;display:inline;\">5.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t1z_177\" style=\"left:369px;bottom:501px;letter-spacing:-0.25px;display:inline;\">8.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t20_177\" style=\"left:420px;bottom:501px;letter-spacing:-0.26px;display:inline;\">13.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t21_177\" style=\"left:488px;bottom:501px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t22_177\" style=\"left:553px;bottom:501px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t23_177\" style=\"left:602px;bottom:501px;letter-spacing:-0.26px;display:inline;\">11.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t24_177\" style=\"left:65px;bottom:462px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t25_177\" style=\"left:65px;bottom:442px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t26_177\" style=\"left:300px;bottom:442px;letter-spacing:-0.23px;display:inline;\">(2.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t27_177\" style=\"left:365px;bottom:442px;letter-spacing:-0.23px;display:inline;\">(4.5) </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t28_177\" style=\"left:424px;bottom:442px;letter-spacing:-0.23px;display:inline;\">(7.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t29_177\" style=\"left:485px;bottom:442px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2a_177\" style=\"left:550px;bottom:442px;letter-spacing:-0.23px;display:inline;\">(4.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2b_177\" style=\"left:606px;bottom:442px;letter-spacing:-0.23px;display:inline;\">(4.6) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2c_177\" style=\"left:65px;bottom:423px;letter-spacing:-0.25px;display:inline;\">Depreciation charge </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2d_177\" style=\"left:300px;bottom:423px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2e_177\" style=\"left:365px;bottom:423px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2f_177\" style=\"left:424px;bottom:423px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2g_177\" style=\"left:485px;bottom:423px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2h_177\" style=\"left:550px;bottom:423px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2i_177\" style=\"left:606px;bottom:423px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2j_177\" style=\"left:65px;bottom:403px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2k_177\" style=\"left:300px;bottom:403px;letter-spacing:-0.23px;display:inline;\">(2.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2l_177\" style=\"left:365px;bottom:403px;letter-spacing:-0.23px;display:inline;\">(5.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2m_177\" style=\"left:424px;bottom:403px;letter-spacing:-0.23px;display:inline;\">(8.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2n_177\" style=\"left:484px;bottom:403px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2o_177\" style=\"left:549px;bottom:403px;letter-spacing:-0.23px;display:inline;\">(4.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t2p_177\" style=\"left:606px;bottom:403px;letter-spacing:-0.23px;display:inline;\">(5.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2q_177\" style=\"left:65px;bottom:383px;letter-spacing:-0.25px;display:inline;\">Depreciation charge </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2r_177\" style=\"left:300px;bottom:383px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2s_177\" style=\"left:365px;bottom:383px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2t_177\" style=\"left:424px;bottom:383px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2u_177\" style=\"left:485px;bottom:383px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2v_177\" style=\"left:550px;bottom:383px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2w_177\" style=\"left:606px;bottom:383px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2x_177\" style=\"left:65px;bottom:363px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2y_177\" style=\"left:304px;bottom:363px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t2z_177\" style=\"left:369px;bottom:363px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t30_177\" style=\"left:428px;bottom:363px;letter-spacing:-0.25px;display:inline;\">2.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t31_177\" style=\"left:500px;bottom:363px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t32_177\" style=\"left:554px;bottom:363px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t33_177\" style=\"left:610px;bottom:363px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t34_177\" style=\"left:65px;bottom:344px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t35_177\" style=\"left:300px;bottom:344px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t36_177\" style=\"left:365px;bottom:344px;letter-spacing:-0.23px;display:inline;\">(5.7) </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t37_177\" style=\"left:424px;bottom:344px;letter-spacing:-0.23px;display:inline;\">(6.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t38_177\" style=\"left:484px;bottom:344px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t39_177\" style=\"left:549px;bottom:344px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3a_177\" style=\"left:606px;bottom:344px;letter-spacing:-0.23px;display:inline;\">(5.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3b_177\" style=\"left:65px;bottom:304px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3c_177\" style=\"left:65px;bottom:284px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3d_177\" style=\"left:304px;bottom:284px;letter-spacing:-0.25px;display:inline;\">7.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3e_177\" style=\"left:369px;bottom:284px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3f_177\" style=\"left:428px;bottom:284px;letter-spacing:-0.25px;display:inline;\">9.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3g_177\" style=\"left:488px;bottom:284px;letter-spacing:-0.25px;display:inline;\">3.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3h_177\" style=\"left:553px;bottom:284px;letter-spacing:-0.25px;display:inline;\">2.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3i_177\" style=\"left:610px;bottom:284px;letter-spacing:-0.25px;display:inline;\">6.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3j_177\" style=\"left:65px;bottom:265px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3k_177\" style=\"left:304px;bottom:265px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3l_177\" style=\"left:369px;bottom:265px;letter-spacing:-0.25px;display:inline;\">2.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3m_177\" style=\"left:428px;bottom:265px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3n_177\" style=\"left:488px;bottom:265px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3o_177\" style=\"left:553px;bottom:265px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_177\" id=\"t3p_177\" style=\"left:610px;bottom:265px;letter-spacing:-0.25px;display:inline;\">5.9 </div></td></tr>\n                                        </table>\n<div class=\"t s6_177\" id=\"t3q_177\" style=\"left:65px;bottom:237px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group\u2019s freehold properties, which are occupied by the Group, comprise: </div><div class=\"t s5_177\" id=\"t3r_177\" style=\"left:65px;bottom:215px;letter-spacing:-0.39px;word-spacing:0.49px;display:inline;\">\u2022 the Registered Office of the Company; </div><div class=\"t s5_177\" id=\"t3s_177\" style=\"left:65px;bottom:194px;display:inline;\">\u2022 </div><div class=\"t s6_177\" id=\"t3t_177\" style=\"left:78px;bottom:194px;letter-spacing:-0.46px;word-spacing:0.08px;display:inline;\">25 and 26 Neptune Court, Vanguard Way, Cardiff CF24 5PJ; and </div><div class=\"t s5_177\" id=\"t3u_177\" style=\"left:65px;bottom:174px;letter-spacing:-0.42px;word-spacing:0.3px;display:inline;\">\u2022 One Arleston Way, Solihull B90 4LH, which was sold during 2025. </div><div class=\"t s6_177\" id=\"t3v_177\" style=\"left:654px;bottom:740px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Company\u2019s freehold property comprises the Registered Office of the Company. </div><div class=\"t s5_177\" id=\"t3w_177\" style=\"left:654px;bottom:718px;letter-spacing:-0.37px;display:inline;\">The carrying value of freehold land, which is included in the total carrying value of freehold land and </div><div class=\"t s6_177\" id=\"t3x_177\" style=\"left:654px;bottom:702px;letter-spacing:-0.38px;display:inline;\">buildings, and which is not depreciated at 31 December 2025 was \u00a31.2 million (2024: \u00a31.5 million) </div><div class=\"t s6_177\" id=\"t3y_177\" style=\"left:654px;bottom:686px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">for the Group and \u00a31.0 million (2024: \u00a30.8 million) for the Company. </div><div class=\"t s7_177\" id=\"t3z_177\" style=\"left:671px;bottom:646px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\"><span>Property, plant and equipment accounting policy </span></div><div class=\"t s5_177\" id=\"t40_177\" style=\"left:671px;bottom:626px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Property, plant and equipment is stated at historical cost less any accumulated depreciation </span></div><div class=\"t s6_177\" id=\"t41_177\" style=\"left:671px;bottom:610px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any accumulated impairment losses. Historical cost includes expenditure that is directly </div><div class=\"t s6_177\" id=\"t42_177\" style=\"left:671px;bottom:594px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition of the items. Pre-installed computer software licences are </div><div class=\"t s6_177\" id=\"t43_177\" style=\"left:671px;bottom:577px;letter-spacing:-0.37px;display:inline;\">capitalised as part of the computer hardware it is installed on. Depreciation is calculated using </div><div class=\"t s6_177\" id=\"t44_177\" style=\"left:671px;bottom:561px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the straight-line method to allocate their cost to their residual values over their estimated </div><div class=\"t s6_177\" id=\"t45_177\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">useful lives, which are subject to regular review: </div><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t46_177\" style=\"left:671px;bottom:519px;letter-spacing:-0.27px;display:inline;\">Land </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t47_177\" style=\"left:914px;bottom:519px;letter-spacing:-0.25px;display:inline;\">not depreciated </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t48_177\" style=\"left:671px;bottom:499px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">Freehold buildings </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t49_177\" style=\"left:914px;bottom:499px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">50 years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4a_177\" style=\"left:671px;bottom:479px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Leasehold improvements </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4b_177\" style=\"left:914px;bottom:479px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">shorter of life of lease or seven years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4c_177\" style=\"left:671px;bottom:459px;letter-spacing:-0.27px;display:inline;\">Computer equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4d_177\" style=\"left:914px;bottom:459px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">three to five years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4e_177\" style=\"left:671px;bottom:440px;letter-spacing:-0.26px;display:inline;\">Other equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4f_177\" style=\"left:914px;bottom:440px;letter-spacing:-0.26px;word-spacing:0.03px;display:inline;\">five to ten years </div></td></tr>\n                                        </table>\n<div class=\"t s5_177\" id=\"t4g_177\" style=\"left:671px;bottom:408px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">The above useful economic lives have not changed since the prior year. </div><div class=\"t s6_177\" id=\"t4h_177\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">Gains and losses on disposals are determined by comparing proceeds with carrying amounts. </div><div class=\"t s5_177\" id=\"t4i_177\" style=\"left:671px;bottom:369px;letter-spacing:-0.38px;display:inline;\">These are included in the income statement. </div><span>The Group applies IAS 36 to determine whether property, plant and equipment is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00484": {
   "value": "<span>Property, plant and equipment accounting policy </span><div class=\"t s5_177\" id=\"t40_177\" style=\"left:671px;bottom:626px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Property, plant and equipment is stated at historical cost less any accumulated depreciation </span></div><div class=\"t s6_177\" id=\"t41_177\" style=\"left:671px;bottom:610px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any accumulated impairment losses. Historical cost includes expenditure that is directly </div><div class=\"t s6_177\" id=\"t42_177\" style=\"left:671px;bottom:594px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition of the items. Pre-installed computer software licences are </div><div class=\"t s6_177\" id=\"t43_177\" style=\"left:671px;bottom:577px;letter-spacing:-0.37px;display:inline;\">capitalised as part of the computer hardware it is installed on. Depreciation is calculated using </div><div class=\"t s6_177\" id=\"t44_177\" style=\"left:671px;bottom:561px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the straight-line method to allocate their cost to their residual values over their estimated </div><div class=\"t s6_177\" id=\"t45_177\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">useful lives, which are subject to regular review: </div><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t46_177\" style=\"left:671px;bottom:519px;letter-spacing:-0.27px;display:inline;\">Land </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t47_177\" style=\"left:914px;bottom:519px;letter-spacing:-0.25px;display:inline;\">not depreciated </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t48_177\" style=\"left:671px;bottom:499px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">Freehold buildings </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t49_177\" style=\"left:914px;bottom:499px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">50 years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4a_177\" style=\"left:671px;bottom:479px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Leasehold improvements </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4b_177\" style=\"left:914px;bottom:479px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">shorter of life of lease or seven years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4c_177\" style=\"left:671px;bottom:459px;letter-spacing:-0.27px;display:inline;\">Computer equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4d_177\" style=\"left:914px;bottom:459px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">three to five years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4e_177\" style=\"left:671px;bottom:440px;letter-spacing:-0.26px;display:inline;\">Other equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4f_177\" style=\"left:914px;bottom:440px;letter-spacing:-0.26px;word-spacing:0.03px;display:inline;\">five to ten years </div></td></tr>\n                                        </table>\n<div class=\"t s5_177\" id=\"t4g_177\" style=\"left:671px;bottom:408px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">The above useful economic lives have not changed since the prior year. </div><div class=\"t s6_177\" id=\"t4h_177\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">Gains and losses on disposals are determined by comparing proceeds with carrying amounts. </div><div class=\"t s5_177\" id=\"t4i_177\" style=\"left:671px;bottom:369px;letter-spacing:-0.38px;display:inline;\">These are included in the income statement. </div><span>The Group applies IAS 36 to determine whether property, plant and equipment is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00485": {
   "value": "<span>Property, plant and equipment is stated at historical cost less any accumulated depreciation </span><div class=\"t s6_177\" id=\"t41_177\" style=\"left:671px;bottom:610px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any accumulated impairment losses. Historical cost includes expenditure that is directly </div><div class=\"t s6_177\" id=\"t42_177\" style=\"left:671px;bottom:594px;letter-spacing:-0.37px;display:inline;\">attributable to the acquisition of the items. Pre-installed computer software licences are </div><div class=\"t s6_177\" id=\"t43_177\" style=\"left:671px;bottom:577px;letter-spacing:-0.37px;display:inline;\">capitalised as part of the computer hardware it is installed on. Depreciation is calculated using </div><div class=\"t s6_177\" id=\"t44_177\" style=\"left:671px;bottom:561px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the straight-line method to allocate their cost to their residual values over their estimated </div><div class=\"t s6_177\" id=\"t45_177\" style=\"left:671px;bottom:545px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">useful lives, which are subject to regular review: </div><table>\n                                            <tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t46_177\" style=\"left:671px;bottom:519px;letter-spacing:-0.27px;display:inline;\">Land </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t47_177\" style=\"left:914px;bottom:519px;letter-spacing:-0.25px;display:inline;\">not depreciated </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_177\" id=\"t48_177\" style=\"left:671px;bottom:499px;letter-spacing:-0.27px;word-spacing:0.03px;display:inline;\">Freehold buildings </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t49_177\" style=\"left:914px;bottom:499px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">50 years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4a_177\" style=\"left:671px;bottom:479px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Leasehold improvements </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4b_177\" style=\"left:914px;bottom:479px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">shorter of life of lease or seven years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4c_177\" style=\"left:671px;bottom:459px;letter-spacing:-0.27px;display:inline;\">Computer equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4d_177\" style=\"left:914px;bottom:459px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">three to five years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4e_177\" style=\"left:671px;bottom:440px;letter-spacing:-0.26px;display:inline;\">Other equipment </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_177\" id=\"t4f_177\" style=\"left:914px;bottom:440px;letter-spacing:-0.26px;word-spacing:0.03px;display:inline;\">five to ten years </div></td></tr>\n                                        </table>\n<div class=\"t s5_177\" id=\"t4g_177\" style=\"left:671px;bottom:408px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">The above useful economic lives have not changed since the prior year. </div><div class=\"t s6_177\" id=\"t4h_177\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">Gains and losses on disposals are determined by comparing proceeds with carrying amounts. </div><div class=\"t s5_177\" id=\"t4i_177\" style=\"left:671px;bottom:369px;letter-spacing:-0.38px;display:inline;\">These are included in the income statement. </div><span>The Group applies IAS 36 to determine whether property, plant and equipment is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00350": {
   "value": "<span>22. Right-of-use assets </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s3_178\" id=\"t4_178\" style=\"left:349px;bottom:718px;display:inline;\">Group </div> </td>\n\t\t\t<td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s3_178\" id=\"t5_178\" style=\"left:518px;bottom:718px;letter-spacing:-0.02px;display:inline;\">Company </div> </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"t9_178\" style=\"left:357px;bottom:699px;letter-spacing:-0.06px;display:inline;\">Leased </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"ti_178\" style=\"left:535px;bottom:699px;letter-spacing:-0.06px;display:inline;\">Leased </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"t6_178\" style=\"left:284px;bottom:686px;letter-spacing:-0.04px;display:inline;\">Leasehold </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"ta_178\" style=\"left:361px;bottom:686px;display:inline;\">motor </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tf_178\" style=\"left:462px;bottom:686px;letter-spacing:-0.04px;display:inline;\">Leasehold </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tj_178\" style=\"left:538px;bottom:686px;display:inline;\">motor </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"t7_178\" style=\"left:290px;bottom:672px;letter-spacing:-0.01px;display:inline;\">property </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tb_178\" style=\"left:351px;bottom:672px;letter-spacing:-0.05px;display:inline;\">vehicles </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"td_178\" style=\"left:423px;bottom:672px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tg_178\" style=\"left:468px;bottom:672px;letter-spacing:-0.01px;display:inline;\">property </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tk_178\" style=\"left:529px;bottom:672px;letter-spacing:-0.05px;display:inline;\">vehicles </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tm_178\" style=\"left:601px;bottom:672px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"t8_178\" style=\"left:294px;bottom:658px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tc_178\" style=\"left:350px;bottom:658px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"te_178\" style=\"left:407px;bottom:658px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"th_178\" style=\"left:472px;bottom:658px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tl_178\" style=\"left:528px;bottom:658px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_178\" id=\"tn_178\" style=\"left:585px;bottom:658px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"to_178\" style=\"left:65px;bottom:638px;letter-spacing:-0.26px;display:inline;\">Cost </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_178\" id=\"tp_178\" style=\"left:65px;bottom:618px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tq_178\" style=\"left:319px;bottom:618px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tr_178\" style=\"left:376px;bottom:618px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"ts_178\" style=\"left:432px;bottom:618px;letter-spacing:-0.25px;display:inline;\">4.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tt_178\" style=\"left:497px;bottom:618px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tu_178\" style=\"left:553px;bottom:618px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tv_178\" style=\"left:610px;bottom:618px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_178\" id=\"tw_178\" style=\"left:65px;bottom:599px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tx_178\" style=\"left:330px;bottom:599px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"ty_178\" style=\"left:376px;bottom:599px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"tz_178\" style=\"left:432px;bottom:599px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t10_178\" style=\"left:508px;bottom:599px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t11_178\" style=\"left:553px;bottom:599px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t12_178\" style=\"left:610px;bottom:599px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t13_178\" style=\"left:65px;bottom:579px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t14_178\" style=\"left:319px;bottom:579px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t15_178\" style=\"left:375px;bottom:579px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t16_178\" style=\"left:432px;bottom:579px;letter-spacing:-0.25px;display:inline;\">5.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t17_178\" style=\"left:497px;bottom:579px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t18_178\" style=\"left:553px;bottom:579px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t19_178\" style=\"left:609px;bottom:579px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_178\" id=\"t1a_178\" style=\"left:65px;bottom:559px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1b_178\" style=\"left:319px;bottom:559px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1c_178\" style=\"left:376px;bottom:559px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1d_178\" style=\"left:432px;bottom:559px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1e_178\" style=\"left:497px;bottom:559px;letter-spacing:-0.25px;display:inline;\">3.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1f_178\" style=\"left:553px;bottom:559px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1g_178\" style=\"left:610px;bottom:559px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1h_178\" style=\"left:65px;bottom:539px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1i_178\" style=\"left:330px;bottom:539px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1j_178\" style=\"left:371px;bottom:539px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1k_178\" style=\"left:428px;bottom:539px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1l_178\" style=\"left:508px;bottom:539px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1m_178\" style=\"left:549px;bottom:539px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1n_178\" style=\"left:606px;bottom:539px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1o_178\" style=\"left:65px;bottom:520px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1p_178\" style=\"left:319px;bottom:520px;letter-spacing:-0.25px;display:inline;\">7.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1q_178\" style=\"left:375px;bottom:520px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1r_178\" style=\"left:432px;bottom:520px;letter-spacing:-0.25px;display:inline;\">8.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1s_178\" style=\"left:497px;bottom:520px;letter-spacing:-0.25px;display:inline;\">7.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1t_178\" style=\"left:553px;bottom:520px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1u_178\" style=\"left:609px;bottom:520px;letter-spacing:-0.25px;display:inline;\">8.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t1v_178\" style=\"left:65px;bottom:480px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_178\" id=\"t1w_178\" style=\"left:65px;bottom:460px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1x_178\" style=\"left:315px;bottom:460px;letter-spacing:-0.23px;display:inline;\">(2.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1y_178\" style=\"left:371px;bottom:460px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t1z_178\" style=\"left:428px;bottom:460px;letter-spacing:-0.23px;display:inline;\">(2.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t20_178\" style=\"left:493px;bottom:460px;letter-spacing:-0.23px;display:inline;\">(2.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t21_178\" style=\"left:549px;bottom:460px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t22_178\" style=\"left:606px;bottom:460px;letter-spacing:-0.23px;display:inline;\">(2.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t23_178\" style=\"left:65px;bottom:441px;letter-spacing:-0.25px;display:inline;\">Depreciation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t24_178\" style=\"left:315px;bottom:441px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t25_178\" style=\"left:371px;bottom:441px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t26_178\" style=\"left:428px;bottom:441px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t27_178\" style=\"left:493px;bottom:441px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t28_178\" style=\"left:549px;bottom:441px;letter-spacing:-0.23px;display:inline;\">(0.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t29_178\" style=\"left:606px;bottom:441px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2a_178\" style=\"left:65px;bottom:421px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2b_178\" style=\"left:315px;bottom:421px;letter-spacing:-0.23px;display:inline;\">(3.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2c_178\" style=\"left:371px;bottom:421px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2d_178\" style=\"left:428px;bottom:421px;letter-spacing:-0.23px;display:inline;\">(3.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2e_178\" style=\"left:493px;bottom:421px;letter-spacing:-0.23px;display:inline;\">(3.0) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2f_178\" style=\"left:549px;bottom:421px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2g_178\" style=\"left:605px;bottom:421px;letter-spacing:-0.23px;display:inline;\">(3.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2h_178\" style=\"left:65px;bottom:401px;letter-spacing:-0.25px;display:inline;\">Depreciation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2i_178\" style=\"left:315px;bottom:401px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2j_178\" style=\"left:371px;bottom:401px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2k_178\" style=\"left:428px;bottom:401px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2l_178\" style=\"left:493px;bottom:401px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2m_178\" style=\"left:549px;bottom:401px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2n_178\" style=\"left:606px;bottom:401px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2o_178\" style=\"left:65px;bottom:381px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2p_178\" style=\"left:330px;bottom:381px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2q_178\" style=\"left:376px;bottom:381px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2r_178\" style=\"left:432px;bottom:381px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2s_178\" style=\"left:508px;bottom:381px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2t_178\" style=\"left:553px;bottom:381px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_178\" id=\"t2u_178\" style=\"left:610px;bottom:381px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2v_178\" style=\"left:65px;bottom:362px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2w_178\" style=\"left:315px;bottom:362px;letter-spacing:-0.23px;display:inline;\">(3.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2x_178\" style=\"left:371px;bottom:362px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2y_178\" style=\"left:428px;bottom:362px;letter-spacing:-0.23px;display:inline;\">(4.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t2z_178\" style=\"left:493px;bottom:362px;letter-spacing:-0.23px;display:inline;\">(3.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t30_178\" style=\"left:549px;bottom:362px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t31_178\" style=\"left:605px;bottom:362px;letter-spacing:-0.23px;display:inline;\">(4.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t32_178\" style=\"left:65px;bottom:322px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t33_178\" style=\"left:65px;bottom:303px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t34_178\" style=\"left:319px;bottom:303px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t35_178\" style=\"left:375px;bottom:303px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t36_178\" style=\"left:432px;bottom:303px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t37_178\" style=\"left:497px;bottom:303px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t38_178\" style=\"left:553px;bottom:303px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t39_178\" style=\"left:609px;bottom:303px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3a_178\" style=\"left:65px;bottom:283px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3b_178\" style=\"left:319px;bottom:283px;letter-spacing:-0.25px;display:inline;\">3.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3c_178\" style=\"left:375px;bottom:283px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3d_178\" style=\"left:432px;bottom:283px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3e_178\" style=\"left:497px;bottom:283px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3f_178\" style=\"left:553px;bottom:283px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_178\" id=\"t3g_178\" style=\"left:609px;bottom:283px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_178\" id=\"t3h_178\" style=\"left:671px;bottom:723px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Lessee accounting policy </span></div><div class=\"t s6_178\" id=\"t3i_178\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group assesses whether a contract is, or contains, a lease at inception of the contract. </div><div class=\"t s6_178\" id=\"t3j_178\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;display:inline;\">The Group recognises a right-of-use asset and a corresponding lease liability with respect to </div><div class=\"t s6_178\" id=\"t3k_178\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">all lease arrangements in which it is the lessee, except for short-term leases (defined as leases </div><div class=\"t s6_178\" id=\"t3l_178\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">with a lease term of 12 months or less) and leases of low-value assets. For these leases, the </div><div class=\"t s6_178\" id=\"t3m_178\" style=\"left:671px;bottom:638px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Group recognises the lease payments as an operating expense on a straight-line basis over the </div><div class=\"t s5_178\" id=\"t3n_178\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;display:inline;\">term of the lease unless another systematic basis is more representative of the time pattern in </div><div class=\"t s5_178\" id=\"t3o_178\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">which economic benefits from the leased assets are consumed. </div><div class=\"t s5_178\" id=\"t3p_178\" style=\"left:671px;bottom:584px;letter-spacing:-0.38px;display:inline;\">The lease liability is initially measured at the present value of the future lease payments, </div><div class=\"t s6_178\" id=\"t3q_178\" style=\"left:671px;bottom:568px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">discounted by using the rate implicit in the lease. If this rate cannot be readily determined, </div><div class=\"t s6_178\" id=\"t3r_178\" style=\"left:671px;bottom:552px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Group uses its incremental borrowing rate. It is subsequently measured by increasing </div><div class=\"t s6_178\" id=\"t3s_178\" style=\"left:671px;bottom:536px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the carrying amount to reflect interest on the lease liability (using the effective interest rate </div><div class=\"t s6_178\" id=\"t3t_178\" style=\"left:671px;bottom:520px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">method) and by reducing the carrying amount to reflect the lease payments made, and is </div><div class=\"t s5_178\" id=\"t3u_178\" style=\"left:671px;bottom:503px;letter-spacing:-0.38px;display:inline;\">presented as a separate line in the consolidated statement of financial position. </div><div class=\"t s6_178\" id=\"t3v_178\" style=\"left:671px;bottom:481px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The right-of-use assets comprise the initial measurement of the corresponding lease liability, </div><div class=\"t s5_178\" id=\"t3w_178\" style=\"left:671px;bottom:465px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">lease payments made at, or before, the commencement day, less any lease incentives received </div><div class=\"t s5_178\" id=\"t3x_178\" style=\"left:671px;bottom:449px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any initial direct costs. They are subsequently measured at cost less accumulated </div><div class=\"t s5_178\" id=\"t3y_178\" style=\"left:671px;bottom:433px;letter-spacing:-0.38px;display:inline;\">depreciation and impairment charges and are depreciated over the shorter of the lease term </div><div class=\"t s5_178\" id=\"t3z_178\" style=\"left:671px;bottom:417px;letter-spacing:-0.38px;display:inline;\">and useful life of the underlying asset. The depreciation starts at the commencement date </div><div class=\"t s6_178\" id=\"t40_178\" style=\"left:671px;bottom:401px;letter-spacing:-0.38px;display:inline;\">of the lease. The right-of-use assets are presented as a separate line in the consolidated </div><div class=\"t s6_178\" id=\"t41_178\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">statement of financial position. The Group applies IAS 36 to determine whether a right-of-use </div><div class=\"t s6_178\" id=\"t42_178\" style=\"left:671px;bottom:369px;letter-spacing:-0.39px;word-spacing:-0.01px;display:inline;\">asset is impaired and accounts for any identified impairment loss as described in the \u2018Property, </div><div class=\"t s6_178\" id=\"t43_178\" style=\"left:671px;bottom:353px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">plant and equipment\u2019 policy. </div><div class=\"t s5_178\" id=\"t44_178\" style=\"left:671px;bottom:330px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Rentals made under operating leases for less than 12 months in duration, and operating leases </div><div class=\"t s6_178\" id=\"t45_178\" style=\"left:671px;bottom:314px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">on low-value items, are recognised in the income statement on a straight-line basis over the </div><span>term of the lease.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00486": {
   "value": "<span>Lessee accounting policy </span><div class=\"t s6_178\" id=\"t3i_178\" style=\"left:671px;bottom:702px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group assesses whether a contract is, or contains, a lease at inception of the contract. </div><div class=\"t s6_178\" id=\"t3j_178\" style=\"left:671px;bottom:686px;letter-spacing:-0.38px;display:inline;\">The Group recognises a right-of-use asset and a corresponding lease liability with respect to </div><div class=\"t s6_178\" id=\"t3k_178\" style=\"left:671px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">all lease arrangements in which it is the lessee, except for short-term leases (defined as leases </div><div class=\"t s6_178\" id=\"t3l_178\" style=\"left:671px;bottom:654px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">with a lease term of 12 months or less) and leases of low-value assets. For these leases, the </div><div class=\"t s6_178\" id=\"t3m_178\" style=\"left:671px;bottom:638px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Group recognises the lease payments as an operating expense on a straight-line basis over the </div><div class=\"t s5_178\" id=\"t3n_178\" style=\"left:671px;bottom:622px;letter-spacing:-0.38px;display:inline;\">term of the lease unless another systematic basis is more representative of the time pattern in </div><div class=\"t s5_178\" id=\"t3o_178\" style=\"left:671px;bottom:606px;letter-spacing:-0.38px;display:inline;\">which economic benefits from the leased assets are consumed. </div><div class=\"t s5_178\" id=\"t3p_178\" style=\"left:671px;bottom:584px;letter-spacing:-0.38px;display:inline;\">The lease liability is initially measured at the present value of the future lease payments, </div><div class=\"t s6_178\" id=\"t3q_178\" style=\"left:671px;bottom:568px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">discounted by using the rate implicit in the lease. If this rate cannot be readily determined, </div><div class=\"t s6_178\" id=\"t3r_178\" style=\"left:671px;bottom:552px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Group uses its incremental borrowing rate. It is subsequently measured by increasing </div><div class=\"t s6_178\" id=\"t3s_178\" style=\"left:671px;bottom:536px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the carrying amount to reflect interest on the lease liability (using the effective interest rate </div><div class=\"t s6_178\" id=\"t3t_178\" style=\"left:671px;bottom:520px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">method) and by reducing the carrying amount to reflect the lease payments made, and is </div><div class=\"t s5_178\" id=\"t3u_178\" style=\"left:671px;bottom:503px;letter-spacing:-0.38px;display:inline;\">presented as a separate line in the consolidated statement of financial position. </div><div class=\"t s6_178\" id=\"t3v_178\" style=\"left:671px;bottom:481px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The right-of-use assets comprise the initial measurement of the corresponding lease liability, </div><div class=\"t s5_178\" id=\"t3w_178\" style=\"left:671px;bottom:465px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">lease payments made at, or before, the commencement day, less any lease incentives received </div><div class=\"t s5_178\" id=\"t3x_178\" style=\"left:671px;bottom:449px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">and any initial direct costs. They are subsequently measured at cost less accumulated </div><div class=\"t s5_178\" id=\"t3y_178\" style=\"left:671px;bottom:433px;letter-spacing:-0.38px;display:inline;\">depreciation and impairment charges and are depreciated over the shorter of the lease term </div><div class=\"t s5_178\" id=\"t3z_178\" style=\"left:671px;bottom:417px;letter-spacing:-0.38px;display:inline;\">and useful life of the underlying asset. The depreciation starts at the commencement date </div><div class=\"t s6_178\" id=\"t40_178\" style=\"left:671px;bottom:401px;letter-spacing:-0.38px;display:inline;\">of the lease. The right-of-use assets are presented as a separate line in the consolidated </div><div class=\"t s6_178\" id=\"t41_178\" style=\"left:671px;bottom:385px;letter-spacing:-0.38px;display:inline;\">statement of financial position. The Group applies IAS 36 to determine whether a right-of-use </div><div class=\"t s6_178\" id=\"t42_178\" style=\"left:671px;bottom:369px;letter-spacing:-0.39px;word-spacing:-0.01px;display:inline;\">asset is impaired and accounts for any identified impairment loss as described in the \u2018Property, </div><div class=\"t s6_178\" id=\"t43_178\" style=\"left:671px;bottom:353px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">plant and equipment\u2019 policy. </div><div class=\"t s5_178\" id=\"t44_178\" style=\"left:671px;bottom:330px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Rentals made under operating leases for less than 12 months in duration, and operating leases </div><div class=\"t s6_178\" id=\"t45_178\" style=\"left:671px;bottom:314px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">on low-value items, are recognised in the income statement on a straight-line basis over the </div><span>term of the lease.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00351": {
   "value": "<span>23. Intangible assets </span><div class=\"t s3_179\" id=\"t4_179\" style=\"left:65px;bottom:715px;letter-spacing:-0.15px;display:inline;\"><span>Group </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"ta_179\" style=\"left:518px;bottom:698px;display:inline;\">Other </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t7_179\" style=\"left:417px;bottom:684px;display:inline;\">Computer </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tb_179\" style=\"left:496px;bottom:684px;letter-spacing:-0.02px;display:inline;\">intangible </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t5_179\" style=\"left:346px;bottom:670px;letter-spacing:-0.01px;display:inline;\">Goodwill </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t8_179\" style=\"left:424px;bottom:670px;letter-spacing:-0.01px;display:inline;\">software </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tc_179\" style=\"left:517px;bottom:670px;letter-spacing:-0.02px;display:inline;\">assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"te_179\" style=\"left:601px;bottom:670px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t6_179\" style=\"left:350px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t9_179\" style=\"left:428px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"td_179\" style=\"left:506px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tf_179\" style=\"left:584px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tg_179\" style=\"left:65px;bottom:637px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"th_179\" style=\"left:65px;bottom:617px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"ti_179\" style=\"left:376px;bottom:617px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tj_179\" style=\"left:446px;bottom:617px;letter-spacing:-0.26px;display:inline;\">17.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tk_179\" style=\"left:531px;bottom:617px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tl_179\" style=\"left:602px;bottom:617px;letter-spacing:-0.26px;display:inline;\">20.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"tm_179\" style=\"left:65px;bottom:597px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tn_179\" style=\"left:386px;bottom:597px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"to_179\" style=\"left:453px;bottom:597px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tp_179\" style=\"left:542px;bottom:597px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tq_179\" style=\"left:609px;bottom:597px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tr_179\" style=\"left:65px;bottom:577px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"ts_179\" style=\"left:386px;bottom:577px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tt_179\" style=\"left:449px;bottom:577px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tu_179\" style=\"left:542px;bottom:577px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tv_179\" style=\"left:605px;bottom:577px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tw_179\" style=\"left:65px;bottom:558px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tx_179\" style=\"left:375px;bottom:558px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"ty_179\" style=\"left:445px;bottom:558px;letter-spacing:-0.26px;display:inline;\">18.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tz_179\" style=\"left:531px;bottom:558px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t10_179\" style=\"left:601px;bottom:558px;letter-spacing:-0.26px;display:inline;\">21.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t11_179\" style=\"left:65px;bottom:538px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t12_179\" style=\"left:386px;bottom:538px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t13_179\" style=\"left:453px;bottom:538px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t14_179\" style=\"left:542px;bottom:538px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t15_179\" style=\"left:609px;bottom:538px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t16_179\" style=\"left:65px;bottom:518px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t17_179\" style=\"left:375px;bottom:518px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t18_179\" style=\"left:445px;bottom:518px;letter-spacing:-0.26px;display:inline;\">19.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t19_179\" style=\"left:531px;bottom:518px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1a_179\" style=\"left:601px;bottom:518px;letter-spacing:-0.26px;display:inline;\">22.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1b_179\" style=\"left:65px;bottom:479px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1c_179\" style=\"left:65px;bottom:459px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1d_179\" style=\"left:386px;bottom:459px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1e_179\" style=\"left:442px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(12.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1f_179\" style=\"left:527px;bottom:459px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1g_179\" style=\"left:597px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(15.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1h_179\" style=\"left:65px;bottom:439px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1i_179\" style=\"left:386px;bottom:439px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1j_179\" style=\"left:449px;bottom:439px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1k_179\" style=\"left:542px;bottom:439px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1l_179\" style=\"left:605px;bottom:439px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1m_179\" style=\"left:65px;bottom:419px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1n_179\" style=\"left:386px;bottom:419px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1o_179\" style=\"left:453px;bottom:419px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1p_179\" style=\"left:542px;bottom:419px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1q_179\" style=\"left:609px;bottom:419px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1r_179\" style=\"left:65px;bottom:400px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1s_179\" style=\"left:386px;bottom:400px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1t_179\" style=\"left:441px;bottom:400px;letter-spacing:-0.24px;display:inline;\">(14.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1u_179\" style=\"left:527px;bottom:400px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1v_179\" style=\"left:597px;bottom:400px;letter-spacing:-0.24px;display:inline;\">(16.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1w_179\" style=\"left:65px;bottom:380px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1x_179\" style=\"left:386px;bottom:380px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1y_179\" style=\"left:449px;bottom:380px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1z_179\" style=\"left:542px;bottom:380px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t20_179\" style=\"left:605px;bottom:380px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t21_179\" style=\"left:65px;bottom:360px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t22_179\" style=\"left:386px;bottom:360px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t23_179\" style=\"left:441px;bottom:360px;letter-spacing:-0.24px;display:inline;\">(15.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t24_179\" style=\"left:527px;bottom:360px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t25_179\" style=\"left:597px;bottom:360px;letter-spacing:-0.24px;display:inline;\">(17.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t26_179\" style=\"left:65px;bottom:321px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t27_179\" style=\"left:65px;bottom:301px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t28_179\" style=\"left:375px;bottom:301px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t29_179\" style=\"left:453px;bottom:301px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2a_179\" style=\"left:542px;bottom:301px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2b_179\" style=\"left:609px;bottom:301px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2c_179\" style=\"left:65px;bottom:281px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2d_179\" style=\"left:375px;bottom:281px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2e_179\" style=\"left:453px;bottom:281px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2f_179\" style=\"left:542px;bottom:281px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2g_179\" style=\"left:609px;bottom:281px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_179\" id=\"t2h_179\" style=\"left:65px;bottom:254px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Goodwill above relates to the V12 cash-generating unit, which is part of the Retail Finance </div><div class=\"t s6_179\" id=\"t2i_179\" style=\"left:65px;bottom:238px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">operating segment. </div><div class=\"t s7_179\" id=\"t2j_179\" style=\"left:65px;bottom:215px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The recoverable amount of these cash-generating units are determined on a value-in-use </div><div class=\"t s7_179\" id=\"t2k_179\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation, which uses cash flow projections based on financial forecasts covering a three-year </div><div class=\"t s7_179\" id=\"t2l_179\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">period, and a discount rate of 8% (2024: 8%). Cash flow projections during the forecast period </div><div class=\"t s7_179\" id=\"t2m_179\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are based on the expected rate of new business. A zero growth-based scenario is also considered. </div><div class=\"t s7_179\" id=\"t2n_179\" style=\"left:65px;bottom:151px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Directors believe that any reasonably possible change in the key assumptions on which </div><div class=\"t s7_179\" id=\"t2o_179\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">recoverable amount is based would not cause the aggregate carrying amount to exceed the </div><div class=\"t s7_179\" id=\"t2p_179\" style=\"left:65px;bottom:119px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">aggregate recoverable amount of the cash-generating unit. Hence no impairment has </div><div class=\"t s6_179\" id=\"t2q_179\" style=\"left:65px;bottom:103px;letter-spacing:-0.39px;display:inline;\">been recognised. </div><div class=\"t s7_179\" id=\"t2r_179\" style=\"left:65px;bottom:81px;letter-spacing:-0.38px;display:inline;\">Other intangible assets were recognised as part of the V12 Finance Group acquisition, </div><div class=\"t s7_179\" id=\"t2s_179\" style=\"left:65px;bottom:64px;letter-spacing:-0.38px;display:inline;\">which are now fully amortised. </div><div class=\"t s3_179\" id=\"t2t_179\" style=\"left:654px;bottom:738px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2w_179\" style=\"left:1084px;bottom:721px;display:inline;\">Computer </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2u_179\" style=\"left:1013px;bottom:707px;letter-spacing:-0.01px;display:inline;\">Goodwill </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2x_179\" style=\"left:1091px;bottom:707px;letter-spacing:-0.01px;display:inline;\">software </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2z_179\" style=\"left:1190px;bottom:707px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2v_179\" style=\"left:1017px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2y_179\" style=\"left:1095px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t30_179\" style=\"left:1173px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t31_179\" style=\"left:654px;bottom:673px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t32_179\" style=\"left:654px;bottom:653px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t33_179\" style=\"left:1042px;bottom:653px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t34_179\" style=\"left:1113px;bottom:653px;letter-spacing:-0.26px;display:inline;\">12.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t35_179\" style=\"left:1191px;bottom:653px;letter-spacing:-0.26px;display:inline;\">12.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t36_179\" style=\"left:654px;bottom:634px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t37_179\" style=\"left:1053px;bottom:634px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t38_179\" style=\"left:1120px;bottom:634px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t39_179\" style=\"left:1198px;bottom:634px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3a_179\" style=\"left:654px;bottom:614px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3b_179\" style=\"left:1042px;bottom:614px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3c_179\" style=\"left:1112px;bottom:614px;letter-spacing:-0.26px;display:inline;\">13.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3d_179\" style=\"left:1190px;bottom:614px;letter-spacing:-0.26px;display:inline;\">13.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3e_179\" style=\"left:654px;bottom:594px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3f_179\" style=\"left:1053px;bottom:594px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3g_179\" style=\"left:1120px;bottom:594px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3h_179\" style=\"left:1198px;bottom:594px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3i_179\" style=\"left:654px;bottom:575px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3j_179\" style=\"left:1042px;bottom:575px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3k_179\" style=\"left:1112px;bottom:575px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3l_179\" style=\"left:1190px;bottom:575px;letter-spacing:-0.26px;display:inline;\">14.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3m_179\" style=\"left:654px;bottom:535px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3n_179\" style=\"left:654px;bottom:515px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3o_179\" style=\"left:1053px;bottom:515px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3p_179\" style=\"left:1116px;bottom:515px;letter-spacing:-0.23px;display:inline;\">(9.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3q_179\" style=\"left:1194px;bottom:515px;letter-spacing:-0.23px;display:inline;\">(9.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3r_179\" style=\"left:654px;bottom:496px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3s_179\" style=\"left:1053px;bottom:496px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3t_179\" style=\"left:1116px;bottom:496px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3u_179\" style=\"left:1194px;bottom:496px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3v_179\" style=\"left:654px;bottom:476px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3w_179\" style=\"left:1053px;bottom:476px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3x_179\" style=\"left:1108px;bottom:476px;letter-spacing:-0.24px;display:inline;\">(10.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3y_179\" style=\"left:1186px;bottom:476px;letter-spacing:-0.24px;display:inline;\">(10.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3z_179\" style=\"left:654px;bottom:456px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t40_179\" style=\"left:1053px;bottom:456px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t41_179\" style=\"left:1116px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t42_179\" style=\"left:1194px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t43_179\" style=\"left:654px;bottom:436px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t44_179\" style=\"left:1053px;bottom:436px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t45_179\" style=\"left:1108px;bottom:436px;letter-spacing:-0.24px;display:inline;\">(11.4) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t46_179\" style=\"left:1186px;bottom:436px;letter-spacing:-0.24px;display:inline;\">(11.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t47_179\" style=\"left:654px;bottom:397px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t48_179\" style=\"left:654px;bottom:377px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t49_179\" style=\"left:1042px;bottom:377px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4a_179\" style=\"left:1120px;bottom:377px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4b_179\" style=\"left:1198px;bottom:377px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4c_179\" style=\"left:654px;bottom:358px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4d_179\" style=\"left:1042px;bottom:358px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4e_179\" style=\"left:1120px;bottom:358px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4f_179\" style=\"left:1198px;bottom:358px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_179\" id=\"t4g_179\" style=\"left:654px;bottom:330px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill above relates to the Retail Finance operating segment. The recoverable amount is </div><div class=\"t s7_179\" id=\"t4h_179\" style=\"left:654px;bottom:314px;letter-spacing:-0.38px;display:inline;\">determined on the same basis as for the Group. </div><div></div><div class=\"t s4_180\" id=\"t5_180\" style=\"left:82px;bottom:698px;letter-spacing:-0.19px;display:inline;\"><span>Intangible assets accounting policy </span></div><div class=\"t s5_180\" id=\"t6_180\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\"><span>(a) Goodwill </span></div><div class=\"t s6_180\" id=\"t7_180\" style=\"left:82px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill represents the excess of the cost of the acquisition over the fair value of the Group\u2019s </div><div class=\"t s6_180\" id=\"t8_180\" style=\"left:82px;bottom:642px;letter-spacing:-0.37px;display:inline;\">share of the net identifiable assets acquired at the date of acquisition. Goodwill is held at cost </div><div class=\"t s7_180\" id=\"t9_180\" style=\"left:82px;bottom:626px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">less accumulated impairment charge and is deemed to have an infinite life. </div><div class=\"t s6_180\" id=\"ta_180\" style=\"left:82px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group reviews the goodwill for impairment at least annually or when events or changes </div><div class=\"t s6_180\" id=\"tb_180\" style=\"left:82px;bottom:588px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in economic circumstances indicate that impairment may have taken place. An impairment </div><div class=\"t s6_180\" id=\"tc_180\" style=\"left:82px;bottom:572px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">charge is recognised in the income statement if the carrying amount exceeds the </div><div class=\"t s7_180\" id=\"td_180\" style=\"left:82px;bottom:556px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\"><span>recoverable amounts.</span> </div><div class=\"t s5_180\" id=\"te_180\" style=\"left:82px;bottom:533px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\"><span>(b) Computer software </span></div><div class=\"t s7_180\" id=\"tf_180\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Acquired computer software licences are capitalised on the basis of the costs incurred to </div><div class=\"t s7_180\" id=\"tg_180\" style=\"left:82px;bottom:497px;letter-spacing:-0.38px;display:inline;\">acquire and bring to use the specific software. </div><div class=\"t s7_180\" id=\"th_180\" style=\"left:82px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Costs associated with developing or maintaining computer software programmes are </div><div class=\"t s6_180\" id=\"ti_180\" style=\"left:82px;bottom:458px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised as an expense as incurred unless the technical feasibility of the development has </div><div class=\"t s6_180\" id=\"tj_180\" style=\"left:82px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been demonstrated, and it is probable that the expenditure will enable the asset to generate </div><div class=\"t s6_180\" id=\"tk_180\" style=\"left:82px;bottom:426px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future economic benefits in excess of its originally assessed standard of performance, in which </div><div class=\"t s7_180\" id=\"tl_180\" style=\"left:82px;bottom:410px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">case they are capitalised. </div><div class=\"t s6_180\" id=\"tm_180\" style=\"left:82px;bottom:387px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">These costs are amortised on a straight-line basis over their expected useful lives, which are </div><div class=\"t s7_180\" id=\"tn_180\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">between three to 10 years. </div><div class=\"t s5_180\" id=\"to_180\" style=\"left:82px;bottom:349px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(c) Other intangible assets </div><div class=\"t s6_180\" id=\"tp_180\" style=\"left:82px;bottom:328px;letter-spacing:-0.38px;display:inline;\">The acquisition of subsidiaries has been accounted for in accordance with IFRS 3 \u2018Business </div><div class=\"t s6_180\" id=\"tq_180\" style=\"left:82px;bottom:312px;letter-spacing:-0.39px;display:inline;\">Combinations\u2019, which requires the recognition of the identifiable assets acquired and liabilities </div><div class=\"t s7_180\" id=\"tr_180\" style=\"left:82px;bottom:296px;letter-spacing:-0.37px;display:inline;\">assumed at their acquisition date fair values. As part of this process, it was necessary to </div><div class=\"t s7_180\" id=\"ts_180\" style=\"left:82px;bottom:280px;letter-spacing:-0.38px;display:inline;\">recognise certain intangible assets that are separately identifiable and are not included on the </div><div class=\"t s6_180\" id=\"tt_180\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">acquiree\u2019s balance sheet, which are amortised over their expected useful lives, as set </div><div class=\"t s7_180\" id=\"tu_180\" style=\"left:82px;bottom:248px;letter-spacing:-0.43px;word-spacing:0.04px;display:inline;\">out above. </div><span>The Group applies IAS 36 to determine whether an intangible asset is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00352": {
   "value": "<span>23. Intangible assets </span><div class=\"t s3_179\" id=\"t4_179\" style=\"left:65px;bottom:715px;letter-spacing:-0.15px;display:inline;\"><span>Group </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"ta_179\" style=\"left:518px;bottom:698px;display:inline;\">Other </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t7_179\" style=\"left:417px;bottom:684px;display:inline;\">Computer </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tb_179\" style=\"left:496px;bottom:684px;letter-spacing:-0.02px;display:inline;\">intangible </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t5_179\" style=\"left:346px;bottom:670px;letter-spacing:-0.01px;display:inline;\">Goodwill </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t8_179\" style=\"left:424px;bottom:670px;letter-spacing:-0.01px;display:inline;\">software </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tc_179\" style=\"left:517px;bottom:670px;letter-spacing:-0.02px;display:inline;\">assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"te_179\" style=\"left:601px;bottom:670px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t6_179\" style=\"left:350px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t9_179\" style=\"left:428px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"td_179\" style=\"left:506px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tf_179\" style=\"left:584px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tg_179\" style=\"left:65px;bottom:637px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"th_179\" style=\"left:65px;bottom:617px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"ti_179\" style=\"left:376px;bottom:617px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tj_179\" style=\"left:446px;bottom:617px;letter-spacing:-0.26px;display:inline;\">17.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tk_179\" style=\"left:531px;bottom:617px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tl_179\" style=\"left:602px;bottom:617px;letter-spacing:-0.26px;display:inline;\">20.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"tm_179\" style=\"left:65px;bottom:597px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tn_179\" style=\"left:386px;bottom:597px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"to_179\" style=\"left:453px;bottom:597px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tp_179\" style=\"left:542px;bottom:597px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tq_179\" style=\"left:609px;bottom:597px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tr_179\" style=\"left:65px;bottom:577px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"ts_179\" style=\"left:386px;bottom:577px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tt_179\" style=\"left:449px;bottom:577px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tu_179\" style=\"left:542px;bottom:577px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tv_179\" style=\"left:605px;bottom:577px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tw_179\" style=\"left:65px;bottom:558px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tx_179\" style=\"left:375px;bottom:558px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"ty_179\" style=\"left:445px;bottom:558px;letter-spacing:-0.26px;display:inline;\">18.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tz_179\" style=\"left:531px;bottom:558px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t10_179\" style=\"left:601px;bottom:558px;letter-spacing:-0.26px;display:inline;\">21.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t11_179\" style=\"left:65px;bottom:538px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t12_179\" style=\"left:386px;bottom:538px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t13_179\" style=\"left:453px;bottom:538px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t14_179\" style=\"left:542px;bottom:538px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t15_179\" style=\"left:609px;bottom:538px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t16_179\" style=\"left:65px;bottom:518px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t17_179\" style=\"left:375px;bottom:518px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t18_179\" style=\"left:445px;bottom:518px;letter-spacing:-0.26px;display:inline;\">19.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t19_179\" style=\"left:531px;bottom:518px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1a_179\" style=\"left:601px;bottom:518px;letter-spacing:-0.26px;display:inline;\">22.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1b_179\" style=\"left:65px;bottom:479px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1c_179\" style=\"left:65px;bottom:459px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1d_179\" style=\"left:386px;bottom:459px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1e_179\" style=\"left:442px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(12.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1f_179\" style=\"left:527px;bottom:459px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1g_179\" style=\"left:597px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(15.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1h_179\" style=\"left:65px;bottom:439px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1i_179\" style=\"left:386px;bottom:439px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1j_179\" style=\"left:449px;bottom:439px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1k_179\" style=\"left:542px;bottom:439px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1l_179\" style=\"left:605px;bottom:439px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1m_179\" style=\"left:65px;bottom:419px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1n_179\" style=\"left:386px;bottom:419px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1o_179\" style=\"left:453px;bottom:419px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1p_179\" style=\"left:542px;bottom:419px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1q_179\" style=\"left:609px;bottom:419px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1r_179\" style=\"left:65px;bottom:400px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1s_179\" style=\"left:386px;bottom:400px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1t_179\" style=\"left:441px;bottom:400px;letter-spacing:-0.24px;display:inline;\">(14.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1u_179\" style=\"left:527px;bottom:400px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1v_179\" style=\"left:597px;bottom:400px;letter-spacing:-0.24px;display:inline;\">(16.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1w_179\" style=\"left:65px;bottom:380px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1x_179\" style=\"left:386px;bottom:380px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1y_179\" style=\"left:449px;bottom:380px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1z_179\" style=\"left:542px;bottom:380px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t20_179\" style=\"left:605px;bottom:380px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t21_179\" style=\"left:65px;bottom:360px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t22_179\" style=\"left:386px;bottom:360px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t23_179\" style=\"left:441px;bottom:360px;letter-spacing:-0.24px;display:inline;\">(15.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t24_179\" style=\"left:527px;bottom:360px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t25_179\" style=\"left:597px;bottom:360px;letter-spacing:-0.24px;display:inline;\">(17.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t26_179\" style=\"left:65px;bottom:321px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t27_179\" style=\"left:65px;bottom:301px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t28_179\" style=\"left:375px;bottom:301px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t29_179\" style=\"left:453px;bottom:301px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2a_179\" style=\"left:542px;bottom:301px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2b_179\" style=\"left:609px;bottom:301px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2c_179\" style=\"left:65px;bottom:281px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2d_179\" style=\"left:375px;bottom:281px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2e_179\" style=\"left:453px;bottom:281px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2f_179\" style=\"left:542px;bottom:281px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2g_179\" style=\"left:609px;bottom:281px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_179\" id=\"t2h_179\" style=\"left:65px;bottom:254px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Goodwill above relates to the V12 cash-generating unit, which is part of the Retail Finance </div><div class=\"t s6_179\" id=\"t2i_179\" style=\"left:65px;bottom:238px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">operating segment. </div><div class=\"t s7_179\" id=\"t2j_179\" style=\"left:65px;bottom:215px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The recoverable amount of these cash-generating units are determined on a value-in-use </div><div class=\"t s7_179\" id=\"t2k_179\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation, which uses cash flow projections based on financial forecasts covering a three-year </div><div class=\"t s7_179\" id=\"t2l_179\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">period, and a discount rate of 8% (2024: 8%). Cash flow projections during the forecast period </div><div class=\"t s7_179\" id=\"t2m_179\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are based on the expected rate of new business. A zero growth-based scenario is also considered. </div><div class=\"t s7_179\" id=\"t2n_179\" style=\"left:65px;bottom:151px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Directors believe that any reasonably possible change in the key assumptions on which </div><div class=\"t s7_179\" id=\"t2o_179\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">recoverable amount is based would not cause the aggregate carrying amount to exceed the </div><div class=\"t s7_179\" id=\"t2p_179\" style=\"left:65px;bottom:119px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">aggregate recoverable amount of the cash-generating unit. Hence no impairment has </div><div class=\"t s6_179\" id=\"t2q_179\" style=\"left:65px;bottom:103px;letter-spacing:-0.39px;display:inline;\">been recognised. </div><div class=\"t s7_179\" id=\"t2r_179\" style=\"left:65px;bottom:81px;letter-spacing:-0.38px;display:inline;\">Other intangible assets were recognised as part of the V12 Finance Group acquisition, </div><div class=\"t s7_179\" id=\"t2s_179\" style=\"left:65px;bottom:64px;letter-spacing:-0.38px;display:inline;\">which are now fully amortised. </div><div class=\"t s3_179\" id=\"t2t_179\" style=\"left:654px;bottom:738px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2w_179\" style=\"left:1084px;bottom:721px;display:inline;\">Computer </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2u_179\" style=\"left:1013px;bottom:707px;letter-spacing:-0.01px;display:inline;\">Goodwill </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2x_179\" style=\"left:1091px;bottom:707px;letter-spacing:-0.01px;display:inline;\">software </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2z_179\" style=\"left:1190px;bottom:707px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2v_179\" style=\"left:1017px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2y_179\" style=\"left:1095px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t30_179\" style=\"left:1173px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t31_179\" style=\"left:654px;bottom:673px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t32_179\" style=\"left:654px;bottom:653px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t33_179\" style=\"left:1042px;bottom:653px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t34_179\" style=\"left:1113px;bottom:653px;letter-spacing:-0.26px;display:inline;\">12.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t35_179\" style=\"left:1191px;bottom:653px;letter-spacing:-0.26px;display:inline;\">12.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t36_179\" style=\"left:654px;bottom:634px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t37_179\" style=\"left:1053px;bottom:634px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t38_179\" style=\"left:1120px;bottom:634px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t39_179\" style=\"left:1198px;bottom:634px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3a_179\" style=\"left:654px;bottom:614px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3b_179\" style=\"left:1042px;bottom:614px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3c_179\" style=\"left:1112px;bottom:614px;letter-spacing:-0.26px;display:inline;\">13.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3d_179\" style=\"left:1190px;bottom:614px;letter-spacing:-0.26px;display:inline;\">13.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3e_179\" style=\"left:654px;bottom:594px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3f_179\" style=\"left:1053px;bottom:594px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3g_179\" style=\"left:1120px;bottom:594px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3h_179\" style=\"left:1198px;bottom:594px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3i_179\" style=\"left:654px;bottom:575px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3j_179\" style=\"left:1042px;bottom:575px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3k_179\" style=\"left:1112px;bottom:575px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3l_179\" style=\"left:1190px;bottom:575px;letter-spacing:-0.26px;display:inline;\">14.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3m_179\" style=\"left:654px;bottom:535px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3n_179\" style=\"left:654px;bottom:515px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3o_179\" style=\"left:1053px;bottom:515px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3p_179\" style=\"left:1116px;bottom:515px;letter-spacing:-0.23px;display:inline;\">(9.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3q_179\" style=\"left:1194px;bottom:515px;letter-spacing:-0.23px;display:inline;\">(9.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3r_179\" style=\"left:654px;bottom:496px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3s_179\" style=\"left:1053px;bottom:496px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3t_179\" style=\"left:1116px;bottom:496px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3u_179\" style=\"left:1194px;bottom:496px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3v_179\" style=\"left:654px;bottom:476px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3w_179\" style=\"left:1053px;bottom:476px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3x_179\" style=\"left:1108px;bottom:476px;letter-spacing:-0.24px;display:inline;\">(10.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3y_179\" style=\"left:1186px;bottom:476px;letter-spacing:-0.24px;display:inline;\">(10.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3z_179\" style=\"left:654px;bottom:456px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t40_179\" style=\"left:1053px;bottom:456px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t41_179\" style=\"left:1116px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t42_179\" style=\"left:1194px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t43_179\" style=\"left:654px;bottom:436px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t44_179\" style=\"left:1053px;bottom:436px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t45_179\" style=\"left:1108px;bottom:436px;letter-spacing:-0.24px;display:inline;\">(11.4) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t46_179\" style=\"left:1186px;bottom:436px;letter-spacing:-0.24px;display:inline;\">(11.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t47_179\" style=\"left:654px;bottom:397px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t48_179\" style=\"left:654px;bottom:377px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t49_179\" style=\"left:1042px;bottom:377px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4a_179\" style=\"left:1120px;bottom:377px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4b_179\" style=\"left:1198px;bottom:377px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4c_179\" style=\"left:654px;bottom:358px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4d_179\" style=\"left:1042px;bottom:358px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4e_179\" style=\"left:1120px;bottom:358px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4f_179\" style=\"left:1198px;bottom:358px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_179\" id=\"t4g_179\" style=\"left:654px;bottom:330px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill above relates to the Retail Finance operating segment. The recoverable amount is </div><div class=\"t s7_179\" id=\"t4h_179\" style=\"left:654px;bottom:314px;letter-spacing:-0.38px;display:inline;\">determined on the same basis as for the Group. </div><div></div><div class=\"t s4_180\" id=\"t5_180\" style=\"left:82px;bottom:698px;letter-spacing:-0.19px;display:inline;\"><span>Intangible assets accounting policy </span></div><div class=\"t s5_180\" id=\"t6_180\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\"><span>(a) Goodwill </span></div><div class=\"t s6_180\" id=\"t7_180\" style=\"left:82px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill represents the excess of the cost of the acquisition over the fair value of the Group\u2019s </div><div class=\"t s6_180\" id=\"t8_180\" style=\"left:82px;bottom:642px;letter-spacing:-0.37px;display:inline;\">share of the net identifiable assets acquired at the date of acquisition. Goodwill is held at cost </div><div class=\"t s7_180\" id=\"t9_180\" style=\"left:82px;bottom:626px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">less accumulated impairment charge and is deemed to have an infinite life. </div><div class=\"t s6_180\" id=\"ta_180\" style=\"left:82px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group reviews the goodwill for impairment at least annually or when events or changes </div><div class=\"t s6_180\" id=\"tb_180\" style=\"left:82px;bottom:588px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in economic circumstances indicate that impairment may have taken place. An impairment </div><div class=\"t s6_180\" id=\"tc_180\" style=\"left:82px;bottom:572px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">charge is recognised in the income statement if the carrying amount exceeds the </div><div class=\"t s7_180\" id=\"td_180\" style=\"left:82px;bottom:556px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\"><span>recoverable amounts.</span> </div><div class=\"t s5_180\" id=\"te_180\" style=\"left:82px;bottom:533px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\"><span>(b) Computer software </span></div><div class=\"t s7_180\" id=\"tf_180\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Acquired computer software licences are capitalised on the basis of the costs incurred to </div><div class=\"t s7_180\" id=\"tg_180\" style=\"left:82px;bottom:497px;letter-spacing:-0.38px;display:inline;\">acquire and bring to use the specific software. </div><div class=\"t s7_180\" id=\"th_180\" style=\"left:82px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Costs associated with developing or maintaining computer software programmes are </div><div class=\"t s6_180\" id=\"ti_180\" style=\"left:82px;bottom:458px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised as an expense as incurred unless the technical feasibility of the development has </div><div class=\"t s6_180\" id=\"tj_180\" style=\"left:82px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been demonstrated, and it is probable that the expenditure will enable the asset to generate </div><div class=\"t s6_180\" id=\"tk_180\" style=\"left:82px;bottom:426px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future economic benefits in excess of its originally assessed standard of performance, in which </div><div class=\"t s7_180\" id=\"tl_180\" style=\"left:82px;bottom:410px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">case they are capitalised. </div><div class=\"t s6_180\" id=\"tm_180\" style=\"left:82px;bottom:387px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">These costs are amortised on a straight-line basis over their expected useful lives, which are </div><div class=\"t s7_180\" id=\"tn_180\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">between three to 10 years. </div><div class=\"t s5_180\" id=\"to_180\" style=\"left:82px;bottom:349px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(c) Other intangible assets </div><div class=\"t s6_180\" id=\"tp_180\" style=\"left:82px;bottom:328px;letter-spacing:-0.38px;display:inline;\">The acquisition of subsidiaries has been accounted for in accordance with IFRS 3 \u2018Business </div><div class=\"t s6_180\" id=\"tq_180\" style=\"left:82px;bottom:312px;letter-spacing:-0.39px;display:inline;\">Combinations\u2019, which requires the recognition of the identifiable assets acquired and liabilities </div><div class=\"t s7_180\" id=\"tr_180\" style=\"left:82px;bottom:296px;letter-spacing:-0.37px;display:inline;\">assumed at their acquisition date fair values. As part of this process, it was necessary to </div><div class=\"t s7_180\" id=\"ts_180\" style=\"left:82px;bottom:280px;letter-spacing:-0.38px;display:inline;\">recognise certain intangible assets that are separately identifiable and are not included on the </div><div class=\"t s6_180\" id=\"tt_180\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">acquiree\u2019s balance sheet, which are amortised over their expected useful lives, as set </div><div class=\"t s7_180\" id=\"tu_180\" style=\"left:82px;bottom:248px;letter-spacing:-0.43px;word-spacing:0.04px;display:inline;\">out above. </div><span>The Group applies IAS 36 to determine whether an intangible asset is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00353": {
   "value": "<span>Group </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"ta_179\" style=\"left:518px;bottom:698px;display:inline;\">Other </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t7_179\" style=\"left:417px;bottom:684px;display:inline;\">Computer </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tb_179\" style=\"left:496px;bottom:684px;letter-spacing:-0.02px;display:inline;\">intangible </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t5_179\" style=\"left:346px;bottom:670px;letter-spacing:-0.01px;display:inline;\">Goodwill </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t8_179\" style=\"left:424px;bottom:670px;letter-spacing:-0.01px;display:inline;\">software </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tc_179\" style=\"left:517px;bottom:670px;letter-spacing:-0.02px;display:inline;\">assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"te_179\" style=\"left:601px;bottom:670px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t6_179\" style=\"left:350px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t9_179\" style=\"left:428px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"td_179\" style=\"left:506px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"tf_179\" style=\"left:584px;bottom:657px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tg_179\" style=\"left:65px;bottom:637px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"th_179\" style=\"left:65px;bottom:617px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"ti_179\" style=\"left:376px;bottom:617px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tj_179\" style=\"left:446px;bottom:617px;letter-spacing:-0.26px;display:inline;\">17.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tk_179\" style=\"left:531px;bottom:617px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tl_179\" style=\"left:602px;bottom:617px;letter-spacing:-0.26px;display:inline;\">20.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"tm_179\" style=\"left:65px;bottom:597px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tn_179\" style=\"left:386px;bottom:597px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"to_179\" style=\"left:453px;bottom:597px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tp_179\" style=\"left:542px;bottom:597px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tq_179\" style=\"left:609px;bottom:597px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tr_179\" style=\"left:65px;bottom:577px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"ts_179\" style=\"left:386px;bottom:577px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tt_179\" style=\"left:449px;bottom:577px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tu_179\" style=\"left:542px;bottom:577px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"tv_179\" style=\"left:605px;bottom:577px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tw_179\" style=\"left:65px;bottom:558px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tx_179\" style=\"left:375px;bottom:558px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"ty_179\" style=\"left:445px;bottom:558px;letter-spacing:-0.26px;display:inline;\">18.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"tz_179\" style=\"left:531px;bottom:558px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t10_179\" style=\"left:601px;bottom:558px;letter-spacing:-0.26px;display:inline;\">21.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t11_179\" style=\"left:65px;bottom:538px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t12_179\" style=\"left:386px;bottom:538px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t13_179\" style=\"left:453px;bottom:538px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t14_179\" style=\"left:542px;bottom:538px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t15_179\" style=\"left:609px;bottom:538px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t16_179\" style=\"left:65px;bottom:518px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t17_179\" style=\"left:375px;bottom:518px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t18_179\" style=\"left:445px;bottom:518px;letter-spacing:-0.26px;display:inline;\">19.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t19_179\" style=\"left:531px;bottom:518px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1a_179\" style=\"left:601px;bottom:518px;letter-spacing:-0.26px;display:inline;\">22.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1b_179\" style=\"left:65px;bottom:479px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1c_179\" style=\"left:65px;bottom:459px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1d_179\" style=\"left:386px;bottom:459px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1e_179\" style=\"left:442px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(12.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1f_179\" style=\"left:527px;bottom:459px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1g_179\" style=\"left:597px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(15.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1h_179\" style=\"left:65px;bottom:439px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1i_179\" style=\"left:386px;bottom:439px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1j_179\" style=\"left:449px;bottom:439px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1k_179\" style=\"left:542px;bottom:439px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1l_179\" style=\"left:605px;bottom:439px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1m_179\" style=\"left:65px;bottom:419px;letter-spacing:-0.25px;display:inline;\">Disposals </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1n_179\" style=\"left:386px;bottom:419px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1o_179\" style=\"left:453px;bottom:419px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1p_179\" style=\"left:542px;bottom:419px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1q_179\" style=\"left:609px;bottom:419px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1r_179\" style=\"left:65px;bottom:400px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1s_179\" style=\"left:386px;bottom:400px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1t_179\" style=\"left:441px;bottom:400px;letter-spacing:-0.24px;display:inline;\">(14.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1u_179\" style=\"left:527px;bottom:400px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1v_179\" style=\"left:597px;bottom:400px;letter-spacing:-0.24px;display:inline;\">(16.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t1w_179\" style=\"left:65px;bottom:380px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t1x_179\" style=\"left:386px;bottom:380px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1y_179\" style=\"left:449px;bottom:380px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t1z_179\" style=\"left:542px;bottom:380px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t20_179\" style=\"left:605px;bottom:380px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t21_179\" style=\"left:65px;bottom:360px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t22_179\" style=\"left:386px;bottom:360px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t23_179\" style=\"left:441px;bottom:360px;letter-spacing:-0.24px;display:inline;\">(15.3) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t24_179\" style=\"left:527px;bottom:360px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t25_179\" style=\"left:597px;bottom:360px;letter-spacing:-0.24px;display:inline;\">(17.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t26_179\" style=\"left:65px;bottom:321px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t27_179\" style=\"left:65px;bottom:301px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t28_179\" style=\"left:375px;bottom:301px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t29_179\" style=\"left:453px;bottom:301px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2a_179\" style=\"left:542px;bottom:301px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2b_179\" style=\"left:609px;bottom:301px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2c_179\" style=\"left:65px;bottom:281px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2d_179\" style=\"left:375px;bottom:281px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2e_179\" style=\"left:453px;bottom:281px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2f_179\" style=\"left:542px;bottom:281px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t2g_179\" style=\"left:609px;bottom:281px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_179\" id=\"t2h_179\" style=\"left:65px;bottom:254px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Goodwill above relates to the V12 cash-generating unit, which is part of the Retail Finance </div><div class=\"t s6_179\" id=\"t2i_179\" style=\"left:65px;bottom:238px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">operating segment. </div><div class=\"t s7_179\" id=\"t2j_179\" style=\"left:65px;bottom:215px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The recoverable amount of these cash-generating units are determined on a value-in-use </div><div class=\"t s7_179\" id=\"t2k_179\" style=\"left:65px;bottom:199px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">calculation, which uses cash flow projections based on financial forecasts covering a three-year </div><div class=\"t s7_179\" id=\"t2l_179\" style=\"left:65px;bottom:183px;letter-spacing:-0.38px;display:inline;\">period, and a discount rate of 8% (2024: 8%). Cash flow projections during the forecast period </div><div class=\"t s7_179\" id=\"t2m_179\" style=\"left:65px;bottom:167px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">are based on the expected rate of new business. A zero growth-based scenario is also considered. </div><div class=\"t s7_179\" id=\"t2n_179\" style=\"left:65px;bottom:151px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Directors believe that any reasonably possible change in the key assumptions on which </div><div class=\"t s7_179\" id=\"t2o_179\" style=\"left:65px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">recoverable amount is based would not cause the aggregate carrying amount to exceed the </div><div class=\"t s7_179\" id=\"t2p_179\" style=\"left:65px;bottom:119px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">aggregate recoverable amount of the cash-generating unit. Hence no impairment has </div><div class=\"t s6_179\" id=\"t2q_179\" style=\"left:65px;bottom:103px;letter-spacing:-0.39px;display:inline;\">been recognised. </div><div class=\"t s7_179\" id=\"t2r_179\" style=\"left:65px;bottom:81px;letter-spacing:-0.38px;display:inline;\">Other intangible assets were recognised as part of the V12 Finance Group acquisition, </div><div class=\"t s7_179\" id=\"t2s_179\" style=\"left:65px;bottom:64px;letter-spacing:-0.38px;display:inline;\">which are now fully amortised. </div><div class=\"t s3_179\" id=\"t2t_179\" style=\"left:654px;bottom:738px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2w_179\" style=\"left:1084px;bottom:721px;display:inline;\">Computer </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2u_179\" style=\"left:1013px;bottom:707px;letter-spacing:-0.01px;display:inline;\">Goodwill </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2x_179\" style=\"left:1091px;bottom:707px;letter-spacing:-0.01px;display:inline;\">software </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2z_179\" style=\"left:1190px;bottom:707px;letter-spacing:-0.34px;display:inline;\">Total </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2v_179\" style=\"left:1017px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t2y_179\" style=\"left:1095px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_179\" id=\"t30_179\" style=\"left:1173px;bottom:694px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t31_179\" style=\"left:654px;bottom:673px;letter-spacing:-0.25px;display:inline;\">Cost or valuation </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t32_179\" style=\"left:654px;bottom:653px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t33_179\" style=\"left:1042px;bottom:653px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t34_179\" style=\"left:1113px;bottom:653px;letter-spacing:-0.26px;display:inline;\">12.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t35_179\" style=\"left:1191px;bottom:653px;letter-spacing:-0.26px;display:inline;\">12.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t36_179\" style=\"left:654px;bottom:634px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t37_179\" style=\"left:1053px;bottom:634px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t38_179\" style=\"left:1120px;bottom:634px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t39_179\" style=\"left:1198px;bottom:634px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3a_179\" style=\"left:654px;bottom:614px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3b_179\" style=\"left:1042px;bottom:614px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3c_179\" style=\"left:1112px;bottom:614px;letter-spacing:-0.26px;display:inline;\">13.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3d_179\" style=\"left:1190px;bottom:614px;letter-spacing:-0.26px;display:inline;\">13.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3e_179\" style=\"left:654px;bottom:594px;letter-spacing:-0.25px;display:inline;\">Additions </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3f_179\" style=\"left:1053px;bottom:594px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3g_179\" style=\"left:1120px;bottom:594px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3h_179\" style=\"left:1198px;bottom:594px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3i_179\" style=\"left:654px;bottom:575px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3j_179\" style=\"left:1042px;bottom:575px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3k_179\" style=\"left:1112px;bottom:575px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3l_179\" style=\"left:1190px;bottom:575px;letter-spacing:-0.26px;display:inline;\">14.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3m_179\" style=\"left:654px;bottom:535px;letter-spacing:-0.26px;display:inline;\">Accumulated depreciation </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3n_179\" style=\"left:654px;bottom:515px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3o_179\" style=\"left:1053px;bottom:515px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3p_179\" style=\"left:1116px;bottom:515px;letter-spacing:-0.23px;display:inline;\">(9.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3q_179\" style=\"left:1194px;bottom:515px;letter-spacing:-0.23px;display:inline;\">(9.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3r_179\" style=\"left:654px;bottom:496px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3s_179\" style=\"left:1053px;bottom:496px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3t_179\" style=\"left:1116px;bottom:496px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3u_179\" style=\"left:1194px;bottom:496px;letter-spacing:-0.23px;display:inline;\">(1.1) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3v_179\" style=\"left:654px;bottom:476px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t3w_179\" style=\"left:1053px;bottom:476px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3x_179\" style=\"left:1108px;bottom:476px;letter-spacing:-0.24px;display:inline;\">(10.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t3y_179\" style=\"left:1186px;bottom:476px;letter-spacing:-0.24px;display:inline;\">(10.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_179\" id=\"t3z_179\" style=\"left:654px;bottom:456px;letter-spacing:-0.25px;display:inline;\">Amortisation charge </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t40_179\" style=\"left:1053px;bottom:456px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t41_179\" style=\"left:1116px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t42_179\" style=\"left:1194px;bottom:456px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t43_179\" style=\"left:654px;bottom:436px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_179\" id=\"t44_179\" style=\"left:1053px;bottom:436px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t45_179\" style=\"left:1108px;bottom:436px;letter-spacing:-0.24px;display:inline;\">(11.4) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t46_179\" style=\"left:1186px;bottom:436px;letter-spacing:-0.24px;display:inline;\">(11.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t47_179\" style=\"left:654px;bottom:397px;letter-spacing:-0.26px;display:inline;\">Net book amount </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t48_179\" style=\"left:654px;bottom:377px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t49_179\" style=\"left:1042px;bottom:377px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4a_179\" style=\"left:1120px;bottom:377px;letter-spacing:-0.25px;display:inline;\">2.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4b_179\" style=\"left:1198px;bottom:377px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4c_179\" style=\"left:654px;bottom:358px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4d_179\" style=\"left:1042px;bottom:358px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4e_179\" style=\"left:1120px;bottom:358px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_179\" id=\"t4f_179\" style=\"left:1198px;bottom:358px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_179\" id=\"t4g_179\" style=\"left:654px;bottom:330px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill above relates to the Retail Finance operating segment. The recoverable amount is </div><div class=\"t s7_179\" id=\"t4h_179\" style=\"left:654px;bottom:314px;letter-spacing:-0.38px;display:inline;\">determined on the same basis as for the Group. </div><div></div><div class=\"t s4_180\" id=\"t5_180\" style=\"left:82px;bottom:698px;letter-spacing:-0.19px;display:inline;\"><span>Intangible assets accounting policy </span></div><div class=\"t s5_180\" id=\"t6_180\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\"><span>(a) Goodwill </span></div><div class=\"t s6_180\" id=\"t7_180\" style=\"left:82px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill represents the excess of the cost of the acquisition over the fair value of the Group\u2019s </div><div class=\"t s6_180\" id=\"t8_180\" style=\"left:82px;bottom:642px;letter-spacing:-0.37px;display:inline;\">share of the net identifiable assets acquired at the date of acquisition. Goodwill is held at cost </div><div class=\"t s7_180\" id=\"t9_180\" style=\"left:82px;bottom:626px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">less accumulated impairment charge and is deemed to have an infinite life. </div><div class=\"t s6_180\" id=\"ta_180\" style=\"left:82px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group reviews the goodwill for impairment at least annually or when events or changes </div><div class=\"t s6_180\" id=\"tb_180\" style=\"left:82px;bottom:588px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in economic circumstances indicate that impairment may have taken place. An impairment </div><div class=\"t s6_180\" id=\"tc_180\" style=\"left:82px;bottom:572px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">charge is recognised in the income statement if the carrying amount exceeds the </div><span>recoverable amounts.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00487": {
   "value": "<span>Intangible assets accounting policy </span><div class=\"t s5_180\" id=\"t6_180\" style=\"left:82px;bottom:679px;letter-spacing:-0.38px;display:inline;\"><span>(a) Goodwill </span></div><div class=\"t s6_180\" id=\"t7_180\" style=\"left:82px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill represents the excess of the cost of the acquisition over the fair value of the Group\u2019s </div><div class=\"t s6_180\" id=\"t8_180\" style=\"left:82px;bottom:642px;letter-spacing:-0.37px;display:inline;\">share of the net identifiable assets acquired at the date of acquisition. Goodwill is held at cost </div><div class=\"t s7_180\" id=\"t9_180\" style=\"left:82px;bottom:626px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">less accumulated impairment charge and is deemed to have an infinite life. </div><div class=\"t s6_180\" id=\"ta_180\" style=\"left:82px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group reviews the goodwill for impairment at least annually or when events or changes </div><div class=\"t s6_180\" id=\"tb_180\" style=\"left:82px;bottom:588px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in economic circumstances indicate that impairment may have taken place. An impairment </div><div class=\"t s6_180\" id=\"tc_180\" style=\"left:82px;bottom:572px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">charge is recognised in the income statement if the carrying amount exceeds the </div><div class=\"t s7_180\" id=\"td_180\" style=\"left:82px;bottom:556px;letter-spacing:-0.42px;word-spacing:0.03px;display:inline;\"><span>recoverable amounts.</span> </div><div class=\"t s5_180\" id=\"te_180\" style=\"left:82px;bottom:533px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\"><span>(b) Computer software </span></div><div class=\"t s7_180\" id=\"tf_180\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Acquired computer software licences are capitalised on the basis of the costs incurred to </div><div class=\"t s7_180\" id=\"tg_180\" style=\"left:82px;bottom:497px;letter-spacing:-0.38px;display:inline;\">acquire and bring to use the specific software. </div><div class=\"t s7_180\" id=\"th_180\" style=\"left:82px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Costs associated with developing or maintaining computer software programmes are </div><div class=\"t s6_180\" id=\"ti_180\" style=\"left:82px;bottom:458px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised as an expense as incurred unless the technical feasibility of the development has </div><div class=\"t s6_180\" id=\"tj_180\" style=\"left:82px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been demonstrated, and it is probable that the expenditure will enable the asset to generate </div><div class=\"t s6_180\" id=\"tk_180\" style=\"left:82px;bottom:426px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future economic benefits in excess of its originally assessed standard of performance, in which </div><div class=\"t s7_180\" id=\"tl_180\" style=\"left:82px;bottom:410px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">case they are capitalised. </div><div class=\"t s6_180\" id=\"tm_180\" style=\"left:82px;bottom:387px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">These costs are amortised on a straight-line basis over their expected useful lives, which are </div><div class=\"t s7_180\" id=\"tn_180\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">between three to 10 years. </div><div class=\"t s5_180\" id=\"to_180\" style=\"left:82px;bottom:349px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(c) Other intangible assets </div><div class=\"t s6_180\" id=\"tp_180\" style=\"left:82px;bottom:328px;letter-spacing:-0.38px;display:inline;\">The acquisition of subsidiaries has been accounted for in accordance with IFRS 3 \u2018Business </div><div class=\"t s6_180\" id=\"tq_180\" style=\"left:82px;bottom:312px;letter-spacing:-0.39px;display:inline;\">Combinations\u2019, which requires the recognition of the identifiable assets acquired and liabilities </div><div class=\"t s7_180\" id=\"tr_180\" style=\"left:82px;bottom:296px;letter-spacing:-0.37px;display:inline;\">assumed at their acquisition date fair values. As part of this process, it was necessary to </div><div class=\"t s7_180\" id=\"ts_180\" style=\"left:82px;bottom:280px;letter-spacing:-0.38px;display:inline;\">recognise certain intangible assets that are separately identifiable and are not included on the </div><div class=\"t s6_180\" id=\"tt_180\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">acquiree\u2019s balance sheet, which are amortised over their expected useful lives, as set </div><div class=\"t s7_180\" id=\"tu_180\" style=\"left:82px;bottom:248px;letter-spacing:-0.43px;word-spacing:0.04px;display:inline;\">out above. </div><span>The Group applies IAS 36 to determine whether an intangible asset is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00488": {
   "value": "<span>(a) Goodwill </span><div class=\"t s6_180\" id=\"t7_180\" style=\"left:82px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Goodwill represents the excess of the cost of the acquisition over the fair value of the Group\u2019s </div><div class=\"t s6_180\" id=\"t8_180\" style=\"left:82px;bottom:642px;letter-spacing:-0.37px;display:inline;\">share of the net identifiable assets acquired at the date of acquisition. Goodwill is held at cost </div><div class=\"t s7_180\" id=\"t9_180\" style=\"left:82px;bottom:626px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">less accumulated impairment charge and is deemed to have an infinite life. </div><div class=\"t s6_180\" id=\"ta_180\" style=\"left:82px;bottom:604px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group reviews the goodwill for impairment at least annually or when events or changes </div><div class=\"t s6_180\" id=\"tb_180\" style=\"left:82px;bottom:588px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in economic circumstances indicate that impairment may have taken place. An impairment </div><div class=\"t s6_180\" id=\"tc_180\" style=\"left:82px;bottom:572px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">charge is recognised in the income statement if the carrying amount exceeds the </div><span>recoverable amounts.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00489": {
   "value": "<span>(b) Computer software </span><div class=\"t s7_180\" id=\"tf_180\" style=\"left:82px;bottom:513px;letter-spacing:-0.38px;display:inline;\">Acquired computer software licences are capitalised on the basis of the costs incurred to </div><div class=\"t s7_180\" id=\"tg_180\" style=\"left:82px;bottom:497px;letter-spacing:-0.38px;display:inline;\">acquire and bring to use the specific software. </div><div class=\"t s7_180\" id=\"th_180\" style=\"left:82px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Costs associated with developing or maintaining computer software programmes are </div><div class=\"t s6_180\" id=\"ti_180\" style=\"left:82px;bottom:458px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised as an expense as incurred unless the technical feasibility of the development has </div><div class=\"t s6_180\" id=\"tj_180\" style=\"left:82px;bottom:442px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been demonstrated, and it is probable that the expenditure will enable the asset to generate </div><div class=\"t s6_180\" id=\"tk_180\" style=\"left:82px;bottom:426px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">future economic benefits in excess of its originally assessed standard of performance, in which </div><div class=\"t s7_180\" id=\"tl_180\" style=\"left:82px;bottom:410px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">case they are capitalised. </div><div class=\"t s6_180\" id=\"tm_180\" style=\"left:82px;bottom:387px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">These costs are amortised on a straight-line basis over their expected useful lives, which are </div><div class=\"t s7_180\" id=\"tn_180\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">between three to 10 years. </div><div class=\"t s5_180\" id=\"to_180\" style=\"left:82px;bottom:349px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">(c) Other intangible assets </div><div class=\"t s6_180\" id=\"tp_180\" style=\"left:82px;bottom:328px;letter-spacing:-0.38px;display:inline;\">The acquisition of subsidiaries has been accounted for in accordance with IFRS 3 \u2018Business </div><div class=\"t s6_180\" id=\"tq_180\" style=\"left:82px;bottom:312px;letter-spacing:-0.39px;display:inline;\">Combinations\u2019, which requires the recognition of the identifiable assets acquired and liabilities </div><div class=\"t s7_180\" id=\"tr_180\" style=\"left:82px;bottom:296px;letter-spacing:-0.37px;display:inline;\">assumed at their acquisition date fair values. As part of this process, it was necessary to </div><div class=\"t s7_180\" id=\"ts_180\" style=\"left:82px;bottom:280px;letter-spacing:-0.38px;display:inline;\">recognise certain intangible assets that are separately identifiable and are not included on the </div><div class=\"t s6_180\" id=\"tt_180\" style=\"left:82px;bottom:264px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">acquiree\u2019s balance sheet, which are amortised over their expected useful lives, as set </div><div class=\"t s7_180\" id=\"tu_180\" style=\"left:82px;bottom:248px;letter-spacing:-0.43px;word-spacing:0.04px;display:inline;\">out above. </div><span>The Group applies IAS 36 to determine whether an intangible asset is impaired.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00354": {
   "value": "<span>24. Investments in Group undertakings </span><div class=\"t s4_180\" id=\"tx_180\" style=\"left:654px;bottom:715px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"tz_180\" style=\"left:1111px;bottom:698px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_180\" id=\"t11_180\" style=\"left:1189px;bottom:698px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_180\" id=\"ty_180\" style=\"left:654px;bottom:684px;letter-spacing:-0.25px;display:inline;\">Cost and net book value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t10_180\" style=\"left:1095px;bottom:684px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_180\" id=\"t12_180\" style=\"left:1175px;bottom:684px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t13_180\" style=\"left:654px;bottom:664px;letter-spacing:-0.25px;display:inline;\">At 1 January </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t14_180\" style=\"left:1120px;bottom:664px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t15_180\" style=\"left:1198px;bottom:664px;letter-spacing:-0.25px;display:inline;\">5.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t16_180\" style=\"left:654px;bottom:644px;letter-spacing:-0.24px;display:inline;\">Equity contributions to subsidiaries in respect of share options </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t17_180\" style=\"left:1120px;bottom:644px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t18_180\" style=\"left:1198px;bottom:644px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_180\" id=\"t19_180\" style=\"left:654px;bottom:624px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_180\" id=\"t1a_180\" style=\"left:1120px;bottom:624px;letter-spacing:-0.25px;display:inline;\">6.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_180\" id=\"t1b_180\" style=\"left:1198px;bottom:624px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_180\" id=\"t1c_180\" style=\"left:654px;bottom:597px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Shares in subsidiary undertakings of Secure Trust Bank PLC are stated at cost less any provision for </div><div class=\"t s7_180\" id=\"t1d_180\" style=\"left:654px;bottom:581px;letter-spacing:-0.38px;display:inline;\">impairment. All subsidiary undertakings are unlisted and none are banking institutions. The share </div><div class=\"t s7_180\" id=\"t1e_180\" style=\"left:654px;bottom:565px;letter-spacing:-0.38px;display:inline;\">capital of the subsidiary undertakings comprises solely of ordinary shares and all are 100% owned </div><div class=\"t s6_180\" id=\"t1f_180\" style=\"left:654px;bottom:549px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">by the Company. The subsidiary undertakings were all incorporated in the UK and wholly owned via </div><div class=\"t s7_180\" id=\"t1g_180\" style=\"left:654px;bottom:533px;letter-spacing:-0.38px;display:inline;\">ordinary shares. All subsidiary undertakings are included in the consolidated financial statements </div><div class=\"t s6_180\" id=\"t1h_180\" style=\"left:654px;bottom:517px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">and have an accounting reference date of 31 December. </div><div class=\"t s6_180\" id=\"t1i_180\" style=\"left:654px;bottom:494px;letter-spacing:-0.37px;display:inline;\"><span>Details are as follows: </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t1j_180\" style=\"left:1005px;bottom:474px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t1k_180\" style=\"left:1015px;bottom:460px;letter-spacing:0.01px;display:inline;\">number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t1l_180\" style=\"left:1127px;bottom:460px;letter-spacing:-0.03px;display:inline;\">Principal activity </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1m_180\" style=\"left:654px;bottom:436px;letter-spacing:-0.26px;display:inline;\">Owned directly </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1n_180\" style=\"left:668px;bottom:416px;letter-spacing:-0.46px;word-spacing:0.2px;display:inline;\">AppToPay Ltd </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1o_180\" style=\"left:994px;bottom:416px;letter-spacing:-0.28px;display:inline;\">11204449 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1p_180\" style=\"left:1145px;bottom:416px;letter-spacing:-0.28px;display:inline;\">Non-trading </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1q_180\" style=\"left:668px;bottom:396px;letter-spacing:-0.25px;display:inline;\">Debt Managers (Services) Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1r_180\" style=\"left:994px;bottom:396px;letter-spacing:-0.28px;display:inline;\">08092808 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1s_180\" style=\"left:1145px;bottom:396px;letter-spacing:-0.28px;display:inline;\">Non-trading </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1t_180\" style=\"left:668px;bottom:377px;letter-spacing:-0.25px;display:inline;\">Secure Homes Services Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1u_180\" style=\"left:994px;bottom:377px;letter-spacing:-0.28px;display:inline;\">01404439 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1v_180\" style=\"left:1126px;bottom:377px;letter-spacing:-0.25px;display:inline;\">Property rental </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1w_180\" style=\"left:668px;bottom:357px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">STB Leasing Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1x_180\" style=\"left:994px;bottom:357px;letter-spacing:-0.28px;display:inline;\">01648384 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1y_180\" style=\"left:1145px;bottom:357px;letter-spacing:-0.28px;display:inline;\">Non-trading </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1z_180\" style=\"left:668px;bottom:337px;letter-spacing:-0.25px;display:inline;\">V12 Finance Group Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t20_180\" style=\"left:994px;bottom:337px;letter-spacing:-0.28px;display:inline;\">07498951 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t21_180\" style=\"left:1114px;bottom:337px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Holding company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t22_180\" style=\"left:654px;bottom:317px;letter-spacing:-0.25px;display:inline;\">Owned indirectly via an intermediate holding company </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t23_180\" style=\"left:668px;bottom:298px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">V12 Personal Finance Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t24_180\" style=\"left:994px;bottom:298px;letter-spacing:-0.28px;display:inline;\">05418233 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t25_180\" style=\"left:1163px;bottom:298px;letter-spacing:-0.28px;display:inline;\">Dormant </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t28_180\" style=\"left:1086px;bottom:278px;letter-spacing:-0.24px;display:inline;\">Sourcing and servicing </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t26_180\" style=\"left:668px;bottom:261px;letter-spacing:-0.25px;display:inline;\">V12 Retail Finance Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t27_180\" style=\"left:994px;bottom:261px;letter-spacing:-0.28px;display:inline;\">04585692 </div></td>\n\t\t\t<td class=\"undefined\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t29_180\" style=\"left:1107px;bottom:261px;letter-spacing:-0.25px;display:inline;\">of unsecured loans </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s7_180\" id=\"t2a_180\" style=\"left:654px;bottom:229px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">The registered office of the Company, and all subsidiary undertakings, is Yorke House, </div><div class=\"t s7_180\" id=\"t2b_180\" style=\"left:654px;bottom:213px;letter-spacing:-0.45px;word-spacing:0.07px;display:inline;\">Arleston Way, Solihull B90 4LH. </div><div class=\"t s6_180\" id=\"t2c_180\" style=\"left:654px;bottom:191px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">AppToPay Ltd, Debt Managers (Services) Limited, Secure Homes Services Limited, STB Leasing </div><div class=\"t s6_180\" id=\"t2d_180\" style=\"left:654px;bottom:175px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Limited, V12 Finance Group Limited and V12 Personal Finance Limited are exempt from the </div><div class=\"t s7_180\" id=\"t2e_180\" style=\"left:654px;bottom:159px;letter-spacing:-0.38px;display:inline;\">requirements of the Companies Act 2006 relating to the audit of individual accounts by virtue </div><div class=\"t s6_180\" id=\"t2f_180\" style=\"left:654px;bottom:143px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of s479A, and the Company has given guarantees accordingly under s479C in respect of the year </div><span>ended 31 December 2025. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00355": {
   "value": "<span>Details are as follows: </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t1j_180\" style=\"left:1005px;bottom:474px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t1k_180\" style=\"left:1015px;bottom:460px;letter-spacing:0.01px;display:inline;\">number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_180\" id=\"t1l_180\" style=\"left:1127px;bottom:460px;letter-spacing:-0.03px;display:inline;\">Principal activity </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1m_180\" style=\"left:654px;bottom:436px;letter-spacing:-0.26px;display:inline;\">Owned directly </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1n_180\" style=\"left:668px;bottom:416px;letter-spacing:-0.46px;word-spacing:0.2px;display:inline;\">AppToPay Ltd </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1o_180\" style=\"left:994px;bottom:416px;letter-spacing:-0.28px;display:inline;\">11204449 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1p_180\" style=\"left:1145px;bottom:416px;letter-spacing:-0.28px;display:inline;\">Non-trading </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1q_180\" style=\"left:668px;bottom:396px;letter-spacing:-0.25px;display:inline;\">Debt Managers (Services) Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1r_180\" style=\"left:994px;bottom:396px;letter-spacing:-0.28px;display:inline;\">08092808 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1s_180\" style=\"left:1145px;bottom:396px;letter-spacing:-0.28px;display:inline;\">Non-trading </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1t_180\" style=\"left:668px;bottom:377px;letter-spacing:-0.25px;display:inline;\">Secure Homes Services Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1u_180\" style=\"left:994px;bottom:377px;letter-spacing:-0.28px;display:inline;\">01404439 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1v_180\" style=\"left:1126px;bottom:377px;letter-spacing:-0.25px;display:inline;\">Property rental </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t1w_180\" style=\"left:668px;bottom:357px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">STB Leasing Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1x_180\" style=\"left:994px;bottom:357px;letter-spacing:-0.28px;display:inline;\">01648384 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1y_180\" style=\"left:1145px;bottom:357px;letter-spacing:-0.28px;display:inline;\">Non-trading </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t1z_180\" style=\"left:668px;bottom:337px;letter-spacing:-0.25px;display:inline;\">V12 Finance Group Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t20_180\" style=\"left:994px;bottom:337px;letter-spacing:-0.28px;display:inline;\">07498951 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t21_180\" style=\"left:1114px;bottom:337px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Holding company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t22_180\" style=\"left:654px;bottom:317px;letter-spacing:-0.25px;display:inline;\">Owned indirectly via an intermediate holding company </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t23_180\" style=\"left:668px;bottom:298px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">V12 Personal Finance Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t24_180\" style=\"left:994px;bottom:298px;letter-spacing:-0.28px;display:inline;\">05418233 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t25_180\" style=\"left:1163px;bottom:298px;letter-spacing:-0.28px;display:inline;\">Dormant </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_180\" id=\"t28_180\" style=\"left:1086px;bottom:278px;letter-spacing:-0.24px;display:inline;\">Sourcing and servicing </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t26_180\" style=\"left:668px;bottom:261px;letter-spacing:-0.25px;display:inline;\">V12 Retail Finance Limited </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t27_180\" style=\"left:994px;bottom:261px;letter-spacing:-0.28px;display:inline;\">04585692 </div></td>\n\t\t\t<td class=\"undefined\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_180\" id=\"t29_180\" style=\"left:1107px;bottom:261px;letter-spacing:-0.25px;display:inline;\">of unsecured loans </div></td>\n\t\t</tr>\n\t\n                                        </table>\n",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00356": {
   "value": "<span>25. Deferred taxation </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t4_181\" style=\"left:360px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t7_181\" style=\"left:438px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"ta_181\" style=\"left:499px;bottom:720px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"td_181\" style=\"left:578px;bottom:720px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t5_181\" style=\"left:366px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t8_181\" style=\"left:444px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"tb_181\" style=\"left:522px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"te_181\" style=\"left:600px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t6_181\" style=\"left:350px;bottom:692px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t9_181\" style=\"left:430px;bottom:692px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"tc_181\" style=\"left:506px;bottom:692px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"tf_181\" style=\"left:586px;bottom:692px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_181\" id=\"tg_181\" style=\"left:65px;bottom:672px;letter-spacing:-0.25px;display:inline;\">Deferred tax assets: </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"th_181\" style=\"left:65px;bottom:652px;letter-spacing:-0.25px;display:inline;\">Other short-term timing differences </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"ti_181\" style=\"left:376px;bottom:652px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tj_181\" style=\"left:453px;bottom:652px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tk_181\" style=\"left:531px;bottom:652px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tl_181\" style=\"left:609px;bottom:652px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_181\" id=\"tm_181\" style=\"left:65px;bottom:633px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"tn_181\" style=\"left:375px;bottom:633px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"to_181\" style=\"left:453px;bottom:633px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"tp_181\" style=\"left:531px;bottom:633px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"tq_181\" style=\"left:609px;bottom:633px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_181\" id=\"tr_181\" style=\"left:65px;bottom:613px;letter-spacing:-0.25px;display:inline;\">Deferred tax assets: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"ts_181\" style=\"left:65px;bottom:593px;letter-spacing:-0.25px;display:inline;\">At 1 January </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tt_181\" style=\"left:376px;bottom:593px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tu_181\" style=\"left:453px;bottom:593px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tv_181\" style=\"left:531px;bottom:593px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"tw_181\" style=\"left:609px;bottom:593px;letter-spacing:-0.25px;display:inline;\">4.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"tx_181\" style=\"left:65px;bottom:574px;letter-spacing:-0.26px;display:inline;\">Income statement </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"ty_181\" style=\"left:371px;bottom:574px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"tz_181\" style=\"left:449px;bottom:574px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t10_181\" style=\"left:527px;bottom:574px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t11_181\" style=\"left:605px;bottom:574px;letter-spacing:-0.23px;display:inline;\">(0.8) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t12_181\" style=\"left:65px;bottom:554px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash flow hedge reserve </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t13_181\" style=\"left:386px;bottom:554px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t14_181\" style=\"left:449px;bottom:554px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t15_181\" style=\"left:542px;bottom:554px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t16_181\" style=\"left:605px;bottom:554px;letter-spacing:-0.23px;display:inline;\">(0.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t17_181\" style=\"left:65px;bottom:534px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Retained earnings - Share-based payments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t18_181\" style=\"left:376px;bottom:534px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t19_181\" style=\"left:464px;bottom:534px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t1a_181\" style=\"left:531px;bottom:534px;letter-spacing:-0.25px;display:inline;\">0.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t1b_181\" style=\"left:620px;bottom:534px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_181\" id=\"t1c_181\" style=\"left:65px;bottom:514px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t1d_181\" style=\"left:375px;bottom:514px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t1e_181\" style=\"left:453px;bottom:514px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t1f_181\" style=\"left:531px;bottom:514px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t1g_181\" style=\"left:609px;bottom:514px;letter-spacing:-0.25px;display:inline;\">3.3 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s5_181\" id=\"t1h_181\" style=\"left:82px;bottom:472px;letter-spacing:-0.25px;display:inline;\"><span>Deferred tax accounting policy </span></div><div class=\"t s6_181\" id=\"t1i_181\" style=\"left:82px;bottom:456px;letter-spacing:-0.37px;display:inline;\">Deferred tax assets and liabilities are offset if there is a legally enforceable right to offset </div><div class=\"t s6_181\" id=\"t1j_181\" style=\"left:82px;bottom:440px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">current tax assets and liabilities, and they relate to taxes levied by the same tax authority </div><div class=\"t s7_181\" id=\"t1k_181\" style=\"left:82px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">on the same taxable entity, or on different tax entities, when they intend to settle current </div><div class=\"t s7_181\" id=\"t1l_181\" style=\"left:82px;bottom:408px;letter-spacing:-0.37px;display:inline;\">tax liabilities and assets on a net basis or their tax assets and liabilities will be realised </div><div class=\"t s6_181\" id=\"t1m_181\" style=\"left:82px;bottom:392px;letter-spacing:-0.45px;display:inline;\">simultaneously. </div><div class=\"t s6_181\" id=\"t1n_181\" style=\"left:82px;bottom:370px;letter-spacing:-0.37px;display:inline;\">Deferred tax assets are recognised where it is probable that future taxable profits will be </div><div class=\"t s6_181\" id=\"t1o_181\" style=\"left:82px;bottom:353px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">available, against which the temporary differences can be utilised. The short-term timing </div><div class=\"t s6_181\" id=\"t1p_181\" style=\"left:82px;bottom:337px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">differences relate primarily to deferred tax on IFRS 9 transitional arrangements and on the </div><div class=\"t s6_181\" id=\"t1q_181\" style=\"left:82px;bottom:321px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">movement in share options during the year. Deferred tax has not been recognised on capital </div><div class=\"t s6_181\" id=\"t1r_181\" style=\"left:82px;bottom:305px;letter-spacing:-0.37px;display:inline;\">losses arising from the disposal of property during the year (\u00a32.0 million) or in respect of </div><div class=\"t s6_181\" id=\"t1s_181\" style=\"left:82px;bottom:289px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">deductible temporary differences arising on investment properties held by the Company </div><span>(\u00a30.1 million). </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00490": {
   "value": "<span>Deferred tax accounting policy </span><div class=\"t s6_181\" id=\"t1i_181\" style=\"left:82px;bottom:456px;letter-spacing:-0.37px;display:inline;\">Deferred tax assets and liabilities are offset if there is a legally enforceable right to offset </div><div class=\"t s6_181\" id=\"t1j_181\" style=\"left:82px;bottom:440px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">current tax assets and liabilities, and they relate to taxes levied by the same tax authority </div><div class=\"t s7_181\" id=\"t1k_181\" style=\"left:82px;bottom:424px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">on the same taxable entity, or on different tax entities, when they intend to settle current </div><div class=\"t s7_181\" id=\"t1l_181\" style=\"left:82px;bottom:408px;letter-spacing:-0.37px;display:inline;\">tax liabilities and assets on a net basis or their tax assets and liabilities will be realised </div><div class=\"t s6_181\" id=\"t1m_181\" style=\"left:82px;bottom:392px;letter-spacing:-0.45px;display:inline;\">simultaneously. </div><div class=\"t s6_181\" id=\"t1n_181\" style=\"left:82px;bottom:370px;letter-spacing:-0.37px;display:inline;\">Deferred tax assets are recognised where it is probable that future taxable profits will be </div><div class=\"t s6_181\" id=\"t1o_181\" style=\"left:82px;bottom:353px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">available, against which the temporary differences can be utilised. The short-term timing </div><div class=\"t s6_181\" id=\"t1p_181\" style=\"left:82px;bottom:337px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">differences relate primarily to deferred tax on IFRS 9 transitional arrangements and on the </div><div class=\"t s6_181\" id=\"t1q_181\" style=\"left:82px;bottom:321px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">movement in share options during the year. Deferred tax has not been recognised on capital </div><div class=\"t s6_181\" id=\"t1r_181\" style=\"left:82px;bottom:305px;letter-spacing:-0.37px;display:inline;\">losses arising from the disposal of property during the year (\u00a32.0 million) or in respect of </div><div class=\"t s6_181\" id=\"t1s_181\" style=\"left:82px;bottom:289px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">deductible temporary differences arising on investment properties held by the Company </div><span>(\u00a30.1 million). </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00357": {
   "value": "<span>26. Other assets </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t1v_181\" style=\"left:360px;bottom:218px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t1y_181\" style=\"left:438px;bottom:218px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t21_181\" style=\"left:499px;bottom:218px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t24_181\" style=\"left:578px;bottom:218px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t1w_181\" style=\"left:366px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t1z_181\" style=\"left:444px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t22_181\" style=\"left:522px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t25_181\" style=\"left:600px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t1x_181\" style=\"left:350px;bottom:191px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t20_181\" style=\"left:430px;bottom:191px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t23_181\" style=\"left:506px;bottom:191px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t26_181\" style=\"left:586px;bottom:191px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t27_181\" style=\"left:65px;bottom:170px;letter-spacing:-0.25px;display:inline;\">Gross amounts due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t28_181\" style=\"left:386px;bottom:170px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t29_181\" style=\"left:464px;bottom:170px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2a_181\" style=\"left:524px;bottom:170px;letter-spacing:-0.26px;display:inline;\">27.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2b_181\" style=\"left:609px;bottom:170px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2c_181\" style=\"left:65px;bottom:151px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Less: allowances for impairment of amounts </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2d_181\" style=\"left:65px;bottom:134px;letter-spacing:-0.25px;display:inline;\">due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2e_181\" style=\"left:386px;bottom:134px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2f_181\" style=\"left:464px;bottom:134px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2g_181\" style=\"left:527px;bottom:134px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2h_181\" style=\"left:605px;bottom:134px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2i_181\" style=\"left:65px;bottom:114px;letter-spacing:-0.26px;display:inline;\">Amounts due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2j_181\" style=\"left:386px;bottom:114px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2k_181\" style=\"left:464px;bottom:114px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2l_181\" style=\"left:524px;bottom:114px;letter-spacing:-0.26px;display:inline;\">25.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2m_181\" style=\"left:609px;bottom:114px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2n_181\" style=\"left:65px;bottom:94px;letter-spacing:-0.25px;display:inline;\">Other receivables </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2o_181\" style=\"left:376px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2p_181\" style=\"left:453px;bottom:94px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2q_181\" style=\"left:531px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2r_181\" style=\"left:609px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2s_181\" style=\"left:65px;bottom:75px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Cloud software development prepayment </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2t_181\" style=\"left:376px;bottom:75px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2u_181\" style=\"left:453px;bottom:75px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2v_181\" style=\"left:531px;bottom:75px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2w_181\" style=\"left:609px;bottom:75px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2x_181\" style=\"left:65px;bottom:55px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Other prepayments and accrued income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2y_181\" style=\"left:376px;bottom:55px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2z_181\" style=\"left:453px;bottom:55px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t30_181\" style=\"left:531px;bottom:55px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t31_181\" style=\"left:609px;bottom:55px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t32_181\" style=\"left:375px;bottom:35px;letter-spacing:-0.25px;display:inline;\">8.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t33_181\" style=\"left:445px;bottom:35px;letter-spacing:-0.26px;display:inline;\">11.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t34_181\" style=\"left:523px;bottom:35px;letter-spacing:-0.26px;display:inline;\">33.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t35_181\" style=\"left:601px;bottom:35px;letter-spacing:-0.26px;display:inline;\">13.0 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s6_181\" id=\"t36_181\" style=\"left:654px;bottom:740px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">Cloud software development costs, principally relating to the Group\u2019s Motor Transformation </div><div class=\"t s6_181\" id=\"t37_181\" style=\"left:654px;bottom:724px;letter-spacing:-0.38px;display:inline;\">Programme, do not meet the intangible asset recognition criteria and are, therefore, classified </div><div class=\"t s7_181\" id=\"t38_181\" style=\"left:654px;bottom:708px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">as a prepayment, which is expensed to the income statement over the useful economic life of </div><span>the software. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00358": {
   "value": "<span>26. Other assets </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t1v_181\" style=\"left:360px;bottom:218px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t1y_181\" style=\"left:438px;bottom:218px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t21_181\" style=\"left:499px;bottom:218px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t24_181\" style=\"left:578px;bottom:218px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t1w_181\" style=\"left:366px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t1z_181\" style=\"left:444px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t22_181\" style=\"left:522px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t25_181\" style=\"left:600px;bottom:205px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t1x_181\" style=\"left:350px;bottom:191px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t20_181\" style=\"left:430px;bottom:191px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t23_181\" style=\"left:506px;bottom:191px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t26_181\" style=\"left:586px;bottom:191px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t27_181\" style=\"left:65px;bottom:170px;letter-spacing:-0.25px;display:inline;\">Gross amounts due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t28_181\" style=\"left:386px;bottom:170px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t29_181\" style=\"left:464px;bottom:170px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2a_181\" style=\"left:524px;bottom:170px;letter-spacing:-0.26px;display:inline;\">27.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2b_181\" style=\"left:609px;bottom:170px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2c_181\" style=\"left:65px;bottom:151px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Less: allowances for impairment of amounts </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2d_181\" style=\"left:65px;bottom:134px;letter-spacing:-0.25px;display:inline;\">due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2e_181\" style=\"left:386px;bottom:134px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2f_181\" style=\"left:464px;bottom:134px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2g_181\" style=\"left:527px;bottom:134px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2h_181\" style=\"left:605px;bottom:134px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2i_181\" style=\"left:65px;bottom:114px;letter-spacing:-0.26px;display:inline;\">Amounts due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2j_181\" style=\"left:386px;bottom:114px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2k_181\" style=\"left:464px;bottom:114px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2l_181\" style=\"left:524px;bottom:114px;letter-spacing:-0.26px;display:inline;\">25.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2m_181\" style=\"left:609px;bottom:114px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2n_181\" style=\"left:65px;bottom:94px;letter-spacing:-0.25px;display:inline;\">Other receivables </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2o_181\" style=\"left:376px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2p_181\" style=\"left:453px;bottom:94px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2q_181\" style=\"left:531px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2r_181\" style=\"left:609px;bottom:94px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2s_181\" style=\"left:65px;bottom:75px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Cloud software development prepayment </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2t_181\" style=\"left:376px;bottom:75px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2u_181\" style=\"left:453px;bottom:75px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2v_181\" style=\"left:531px;bottom:75px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2w_181\" style=\"left:609px;bottom:75px;letter-spacing:-0.25px;display:inline;\">3.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t2x_181\" style=\"left:65px;bottom:55px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Other prepayments and accrued income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2y_181\" style=\"left:376px;bottom:55px;letter-spacing:-0.25px;display:inline;\">6.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t2z_181\" style=\"left:453px;bottom:55px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t30_181\" style=\"left:531px;bottom:55px;letter-spacing:-0.25px;display:inline;\">6.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t31_181\" style=\"left:609px;bottom:55px;letter-spacing:-0.25px;display:inline;\">5.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t32_181\" style=\"left:375px;bottom:35px;letter-spacing:-0.25px;display:inline;\">8.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t33_181\" style=\"left:445px;bottom:35px;letter-spacing:-0.26px;display:inline;\">11.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t34_181\" style=\"left:523px;bottom:35px;letter-spacing:-0.26px;display:inline;\">33.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t35_181\" style=\"left:601px;bottom:35px;letter-spacing:-0.26px;display:inline;\">13.0 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s6_181\" id=\"t36_181\" style=\"left:654px;bottom:740px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">Cloud software development costs, principally relating to the Group\u2019s Motor Transformation </div><div class=\"t s6_181\" id=\"t37_181\" style=\"left:654px;bottom:724px;letter-spacing:-0.38px;display:inline;\">Programme, do not meet the intangible asset recognition criteria and are, therefore, classified </div><div class=\"t s7_181\" id=\"t38_181\" style=\"left:654px;bottom:708px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">as a prepayment, which is expensed to the income statement over the useful economic life of </div><span>the software. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00359": {
   "value": "<span>27. Due to banks </span><div class=\"t s9_181\" id=\"t3b_181\" style=\"left:654px;bottom:644px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t3c_181\" style=\"left:1111px;bottom:627px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t3e_181\" style=\"left:1189px;bottom:627px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t3d_181\" style=\"left:1095px;bottom:613px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t3f_181\" style=\"left:1175px;bottom:613px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t3g_181\" style=\"left:654px;bottom:593px;letter-spacing:-0.25px;display:inline;\">Amounts due under the Bank of England\u2019s liquidity support operations </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t3h_181\" style=\"left:654px;bottom:573px;letter-spacing:-0.28px;word-spacing:0.04px;display:inline;\">Term Funding Scheme with additional incentives for SMEs (\u2018TFSME\u2019) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3i_181\" style=\"left:1131px;bottom:573px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3j_181\" style=\"left:1183px;bottom:573px;letter-spacing:-0.26px;display:inline;\">230.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t3k_181\" style=\"left:654px;bottom:553px;letter-spacing:-0.25px;display:inline;\">Sale and repurchase agreements </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3l_181\" style=\"left:1105px;bottom:553px;letter-spacing:-0.26px;display:inline;\">200.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3m_181\" style=\"left:1183px;bottom:553px;letter-spacing:-0.26px;display:inline;\">125.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t3n_181\" style=\"left:654px;bottom:533px;letter-spacing:-0.24px;display:inline;\">Amounts due to other credit institutions </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3o_181\" style=\"left:1120px;bottom:533px;letter-spacing:-0.25px;display:inline;\">4.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3p_181\" style=\"left:1198px;bottom:533px;letter-spacing:-0.25px;display:inline;\">6.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t3q_181\" style=\"left:654px;bottom:514px;letter-spacing:-0.25px;display:inline;\">TFSME accrued interest </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3r_181\" style=\"left:1131px;bottom:514px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3s_181\" style=\"left:1198px;bottom:514px;letter-spacing:-0.25px;display:inline;\">3.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t3t_181\" style=\"left:654px;bottom:494px;letter-spacing:-0.25px;display:inline;\">Sale and repurchase agreements accrued interest </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3u_181\" style=\"left:1120px;bottom:494px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t3v_181\" style=\"left:1198px;bottom:494px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t3w_181\" style=\"left:1105px;bottom:472px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t3x_181\" style=\"left:1182px;bottom:472px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s6_181\" id=\"t3y_181\" style=\"left:654px;bottom:445px;letter-spacing:-0.39px;display:inline;\">Amounts due under sale and repurchase agreements are due for repayment during 2026. </div><div class=\"t s6_181\" id=\"t3z_181\" style=\"left:654px;bottom:429px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">Secure Trust Bank maintains access to the Bank of England\u2019s Sterling Monetary Framework, </div><div class=\"t s6_181\" id=\"t40_181\" style=\"left:654px;bottom:413px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">including a reserves account. </div><div class=\"t s6_181\" id=\"t41_181\" style=\"left:671px;bottom:373px;letter-spacing:-0.38px;display:inline;\"><span>The accounting policy for amounts due to banks is included in Note 1.4 Financial assets and </span></div><span>financial liabilities accounting policy.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00360": {
   "value": "<span>28. Deposits from customers </span><div class=\"t s9_181\" id=\"t44_181\" style=\"left:654px;bottom:291px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t45_181\" style=\"left:1111px;bottom:274px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t47_181\" style=\"left:1189px;bottom:274px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_181\" id=\"t46_181\" style=\"left:1095px;bottom:260px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_181\" id=\"t48_181\" style=\"left:1175px;bottom:260px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t49_181\" style=\"left:654px;bottom:239px;letter-spacing:-0.25px;display:inline;\">Access accounts </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4a_181\" style=\"left:1105px;bottom:239px;letter-spacing:-0.26px;display:inline;\">770.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4b_181\" style=\"left:1183px;bottom:239px;letter-spacing:-0.26px;display:inline;\">805.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t4c_181\" style=\"left:654px;bottom:220px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Fixed term bonds </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4d_181\" style=\"left:1094px;bottom:220px;letter-spacing:-0.25px;display:inline;\">1,518.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4e_181\" style=\"left:1172px;bottom:220px;letter-spacing:-0.25px;display:inline;\">1,510.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t4f_181\" style=\"left:654px;bottom:200px;letter-spacing:-0.25px;display:inline;\">Notice accounts </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4g_181\" style=\"left:1113px;bottom:200px;letter-spacing:-0.26px;display:inline;\">39.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4h_181\" style=\"left:1191px;bottom:200px;letter-spacing:-0.26px;display:inline;\">72.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_181\" id=\"t4i_181\" style=\"left:654px;bottom:180px;letter-spacing:-0.26px;display:inline;\">ISAs </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4j_181\" style=\"left:1094px;bottom:180px;letter-spacing:-0.25px;display:inline;\">1,181.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_181\" id=\"t4k_181\" style=\"left:1183px;bottom:180px;letter-spacing:-0.26px;display:inline;\">857.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t4l_181\" style=\"left:1094px;bottom:160px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_181\" id=\"t4m_181\" style=\"left:1172px;bottom:160px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s6_181\" id=\"t4n_181\" style=\"left:671px;bottom:116px;letter-spacing:-0.38px;display:inline;\"><span>The accounting policy for deposits from customers is included in Note 1.4 Financial assets and </span></div><span>financial liabilities accounting policy.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00361": {
   "value": "<span>29. Lease liabilities </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4_182\" style=\"left:360px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t7_182\" style=\"left:438px;bottom:720px;letter-spacing:-0.02px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"ta_182\" style=\"left:499px;bottom:720px;letter-spacing:-0.04px;display:inline;\">Company </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"td_182\" style=\"left:578px;bottom:720px;letter-spacing:-0.04px;display:inline;\">Company </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t5_182\" style=\"left:366px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t8_182\" style=\"left:444px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"tb_182\" style=\"left:522px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"te_182\" style=\"left:600px;bottom:706px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t6_182\" style=\"left:350px;bottom:692px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t9_182\" style=\"left:430px;bottom:692px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"tc_182\" style=\"left:506px;bottom:692px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"tf_182\" style=\"left:586px;bottom:692px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tg_182\" style=\"left:65px;bottom:672px;letter-spacing:-0.25px;display:inline;\">At 1 January </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"th_182\" style=\"left:376px;bottom:672px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"ti_182\" style=\"left:453px;bottom:672px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"tj_182\" style=\"left:531px;bottom:672px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"tk_182\" style=\"left:609px;bottom:672px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tl_182\" style=\"left:65px;bottom:652px;letter-spacing:-0.26px;display:inline;\">New leases </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"tm_182\" style=\"left:376px;bottom:652px;letter-spacing:-0.25px;display:inline;\">3.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"tn_182\" style=\"left:453px;bottom:652px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"to_182\" style=\"left:531px;bottom:652px;letter-spacing:-0.25px;display:inline;\">3.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"tp_182\" style=\"left:609px;bottom:652px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tq_182\" style=\"left:65px;bottom:633px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Lease termination </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tr_182\" style=\"left:371px;bottom:633px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"ts_182\" style=\"left:464px;bottom:633px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tt_182\" style=\"left:527px;bottom:633px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"tu_182\" style=\"left:620px;bottom:633px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tv_182\" style=\"left:65px;bottom:613px;letter-spacing:-0.35px;display:inline;\">Payments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tw_182\" style=\"left:371px;bottom:613px;letter-spacing:-0.23px;display:inline;\">(1.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tx_182\" style=\"left:449px;bottom:613px;letter-spacing:-0.23px;display:inline;\">(1.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"ty_182\" style=\"left:527px;bottom:613px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"tz_182\" style=\"left:605px;bottom:613px;letter-spacing:-0.23px;display:inline;\">(1.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t10_182\" style=\"left:65px;bottom:593px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Interest expense </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t11_182\" style=\"left:376px;bottom:593px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t12_182\" style=\"left:453px;bottom:593px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t13_182\" style=\"left:531px;bottom:593px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t14_182\" style=\"left:609px;bottom:593px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t15_182\" style=\"left:65px;bottom:573px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t16_182\" style=\"left:375px;bottom:573px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t17_182\" style=\"left:453px;bottom:573px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t18_182\" style=\"left:531px;bottom:573px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t19_182\" style=\"left:609px;bottom:573px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1a_182\" style=\"left:65px;bottom:554px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Lease liabilities \u2013 Gross </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1b_182\" style=\"left:78px;bottom:534px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">No later than one year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1c_182\" style=\"left:376px;bottom:534px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1d_182\" style=\"left:453px;bottom:534px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1e_182\" style=\"left:531px;bottom:534px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1f_182\" style=\"left:609px;bottom:534px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1g_182\" style=\"left:78px;bottom:514px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Later than one year and no later than </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1h_182\" style=\"left:78px;bottom:497px;letter-spacing:-0.28px;word-spacing:0.04px;display:inline;\">five years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1i_182\" style=\"left:376px;bottom:497px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1j_182\" style=\"left:453px;bottom:497px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1k_182\" style=\"left:531px;bottom:497px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1l_182\" style=\"left:609px;bottom:497px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1m_182\" style=\"left:78px;bottom:478px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">More than five years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1n_182\" style=\"left:376px;bottom:478px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1o_182\" style=\"left:464px;bottom:478px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1p_182\" style=\"left:531px;bottom:478px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1q_182\" style=\"left:620px;bottom:478px;display:inline;\">\u2013 </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1r_182\" style=\"left:376px;bottom:458px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1s_182\" style=\"left:453px;bottom:458px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1t_182\" style=\"left:531px;bottom:458px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t1u_182\" style=\"left:609px;bottom:458px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1v_182\" style=\"left:65px;bottom:438px;letter-spacing:-0.29px;word-spacing:0.04px;display:inline;\">Less: Future finance expense </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1w_182\" style=\"left:371px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1x_182\" style=\"left:449px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1y_182\" style=\"left:527px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t1z_182\" style=\"left:605px;bottom:438px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t20_182\" style=\"left:65px;bottom:418px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Lease liabilities \u2013 Net </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t21_182\" style=\"left:375px;bottom:418px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t22_182\" style=\"left:453px;bottom:418px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t23_182\" style=\"left:531px;bottom:418px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t24_182\" style=\"left:609px;bottom:418px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t25_182\" style=\"left:65px;bottom:399px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Lease liabilities \u2013 Gross </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t26_182\" style=\"left:78px;bottom:379px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">No later than one year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t27_182\" style=\"left:376px;bottom:379px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t28_182\" style=\"left:453px;bottom:379px;letter-spacing:-0.25px;display:inline;\">1.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t29_182\" style=\"left:531px;bottom:379px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2a_182\" style=\"left:609px;bottom:379px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t2b_182\" style=\"left:78px;bottom:359px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Later than one year and no later than </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t2c_182\" style=\"left:78px;bottom:342px;letter-spacing:-0.28px;word-spacing:0.04px;display:inline;\">five years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2d_182\" style=\"left:376px;bottom:342px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2e_182\" style=\"left:453px;bottom:342px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2f_182\" style=\"left:531px;bottom:342px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2g_182\" style=\"left:609px;bottom:342px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t2h_182\" style=\"left:78px;bottom:323px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">More than five years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2i_182\" style=\"left:376px;bottom:323px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2j_182\" style=\"left:464px;bottom:323px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2k_182\" style=\"left:531px;bottom:323px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t2l_182\" style=\"left:620px;bottom:323px;display:inline;\">\u2013 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t2m_182\" style=\"left:375px;bottom:303px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t2n_182\" style=\"left:453px;bottom:303px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t2o_182\" style=\"left:531px;bottom:303px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t2p_182\" style=\"left:609px;bottom:303px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td></tr>\n                                        </table>\n<span>The accounting policy for lease liabilities is included in Note 22 Lessee accounting policy.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00362": {
   "value": "<span>30. Other liabilities </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2s_182\" style=\"left:360px;bottom:195px;letter-spacing:-0.02px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t2v_182\" style=\"left:438px;bottom:195px;letter-spacing:-0.02px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2y_182\" style=\"left:499px;bottom:195px;letter-spacing:-0.04px;display:inline;\">Company </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t31_182\" style=\"left:578px;bottom:195px;letter-spacing:-0.04px;display:inline;\">Company </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2t_182\" style=\"left:366px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t2w_182\" style=\"left:444px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2z_182\" style=\"left:522px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t32_182\" style=\"left:600px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2u_182\" style=\"left:350px;bottom:168px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t2x_182\" style=\"left:430px;bottom:168px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t30_182\" style=\"left:506px;bottom:168px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t33_182\" style=\"left:586px;bottom:168px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t34_182\" style=\"left:65px;bottom:147px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Other payables </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t35_182\" style=\"left:368px;bottom:147px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t36_182\" style=\"left:446px;bottom:147px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t37_182\" style=\"left:524px;bottom:147px;letter-spacing:-0.26px;display:inline;\">85.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t38_182\" style=\"left:602px;bottom:147px;letter-spacing:-0.26px;display:inline;\">21.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t39_182\" style=\"left:65px;bottom:127px;letter-spacing:-0.25px;display:inline;\">Amounts due to related companies </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3a_182\" style=\"left:386px;bottom:127px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3b_182\" style=\"left:464px;bottom:127px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3c_182\" style=\"left:524px;bottom:127px;letter-spacing:-0.26px;display:inline;\">15.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3d_182\" style=\"left:602px;bottom:127px;letter-spacing:-0.26px;display:inline;\">12.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t3e_182\" style=\"left:65px;bottom:108px;letter-spacing:-0.25px;display:inline;\">Accruals and deferred income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3f_182\" style=\"left:368px;bottom:108px;letter-spacing:-0.26px;display:inline;\">11.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3g_182\" style=\"left:453px;bottom:108px;letter-spacing:-0.25px;display:inline;\">9.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3h_182\" style=\"left:531px;bottom:108px;letter-spacing:-0.25px;display:inline;\">9.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3i_182\" style=\"left:609px;bottom:108px;letter-spacing:-0.25px;display:inline;\">7.5 </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3j_182\" style=\"left:367px;bottom:88px;letter-spacing:-0.26px;display:inline;\">98.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3k_182\" style=\"left:445px;bottom:88px;letter-spacing:-0.26px;display:inline;\">32.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3l_182\" style=\"left:516px;bottom:88px;letter-spacing:-0.26px;display:inline;\">110.3 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3m_182\" style=\"left:601px;bottom:88px;letter-spacing:-0.26px;display:inline;\">41.1 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00363": {
   "value": "<span>30. Other liabilities </span><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2s_182\" style=\"left:360px;bottom:195px;letter-spacing:-0.02px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t2v_182\" style=\"left:438px;bottom:195px;letter-spacing:-0.02px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2y_182\" style=\"left:499px;bottom:195px;letter-spacing:-0.04px;display:inline;\">Company </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t31_182\" style=\"left:578px;bottom:195px;letter-spacing:-0.04px;display:inline;\">Company </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2t_182\" style=\"left:366px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t2w_182\" style=\"left:444px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2z_182\" style=\"left:522px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t32_182\" style=\"left:600px;bottom:181px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t2u_182\" style=\"left:350px;bottom:168px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t2x_182\" style=\"left:430px;bottom:168px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t30_182\" style=\"left:506px;bottom:168px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_182\" id=\"t33_182\" style=\"left:586px;bottom:168px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t34_182\" style=\"left:65px;bottom:147px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Other payables </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t35_182\" style=\"left:368px;bottom:147px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t36_182\" style=\"left:446px;bottom:147px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t37_182\" style=\"left:524px;bottom:147px;letter-spacing:-0.26px;display:inline;\">85.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t38_182\" style=\"left:602px;bottom:147px;letter-spacing:-0.26px;display:inline;\">21.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t39_182\" style=\"left:65px;bottom:127px;letter-spacing:-0.25px;display:inline;\">Amounts due to related companies </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3a_182\" style=\"left:386px;bottom:127px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3b_182\" style=\"left:464px;bottom:127px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3c_182\" style=\"left:524px;bottom:127px;letter-spacing:-0.26px;display:inline;\">15.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3d_182\" style=\"left:602px;bottom:127px;letter-spacing:-0.26px;display:inline;\">12.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t3e_182\" style=\"left:65px;bottom:108px;letter-spacing:-0.25px;display:inline;\">Accruals and deferred income </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3f_182\" style=\"left:368px;bottom:108px;letter-spacing:-0.26px;display:inline;\">11.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3g_182\" style=\"left:453px;bottom:108px;letter-spacing:-0.25px;display:inline;\">9.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3h_182\" style=\"left:531px;bottom:108px;letter-spacing:-0.25px;display:inline;\">9.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3i_182\" style=\"left:609px;bottom:108px;letter-spacing:-0.25px;display:inline;\">7.5 </div></td></tr><tr><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3j_182\" style=\"left:367px;bottom:88px;letter-spacing:-0.26px;display:inline;\">98.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3k_182\" style=\"left:445px;bottom:88px;letter-spacing:-0.26px;display:inline;\">32.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3l_182\" style=\"left:516px;bottom:88px;letter-spacing:-0.26px;display:inline;\">110.3 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t3m_182\" style=\"left:601px;bottom:88px;letter-spacing:-0.26px;display:inline;\">41.1 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00364": {
   "value": "<span>31. Provisions for liabilities and charges </span><div class=\"t s9_182\" id=\"t3o_182\" style=\"left:654px;bottom:715px;letter-spacing:-0.15px;display:inline;\">Group </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s3_182\" id=\"t3p_182\" style=\"left:1083px;bottom:698px;display:inline;\">Group </div> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3q_182\" style=\"left:983px;bottom:679px;letter-spacing:-0.02px;display:inline;\">ECL allowance </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3r_182\" style=\"left:1022px;bottom:665px;letter-spacing:-0.03px;display:inline;\">on loan </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3s_182\" style=\"left:987px;bottom:652px;letter-spacing:-0.01px;display:inline;\">commitments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3u_182\" style=\"left:1106px;bottom:652px;letter-spacing:-0.02px;display:inline;\">Other </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3w_182\" style=\"left:1190px;bottom:652px;letter-spacing:-0.35px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3t_182\" style=\"left:1017px;bottom:638px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3v_182\" style=\"left:1095px;bottom:638px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t3x_182\" style=\"left:1173px;bottom:638px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t3y_182\" style=\"left:654px;bottom:617px;letter-spacing:-0.25px;display:inline;\">Balance at 1 January 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t3z_182\" style=\"left:1042px;bottom:617px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t40_182\" style=\"left:1120px;bottom:617px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t41_182\" style=\"left:1198px;bottom:617px;letter-spacing:-0.25px;display:inline;\">6.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t42_182\" style=\"left:654px;bottom:598px;letter-spacing:-0.25px;display:inline;\">Charge to income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t43_182\" style=\"left:1042px;bottom:598px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t44_182\" style=\"left:1120px;bottom:598px;letter-spacing:-0.25px;display:inline;\">9.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t45_182\" style=\"left:1198px;bottom:598px;letter-spacing:-0.25px;display:inline;\">9.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t46_182\" style=\"left:654px;bottom:578px;letter-spacing:-0.24px;display:inline;\">Utilised </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t47_182\" style=\"left:1053px;bottom:578px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t48_182\" style=\"left:1116px;bottom:578px;letter-spacing:-0.23px;display:inline;\">(4.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t49_182\" style=\"left:1194px;bottom:578px;letter-spacing:-0.23px;display:inline;\">(4.6) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t4a_182\" style=\"left:654px;bottom:558px;letter-spacing:-0.26px;display:inline;\">Balance at 31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t4b_182\" style=\"left:1042px;bottom:558px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t4c_182\" style=\"left:1112px;bottom:558px;letter-spacing:-0.26px;display:inline;\">10.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t4d_182\" style=\"left:1190px;bottom:558px;letter-spacing:-0.26px;display:inline;\">11.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t4e_182\" style=\"left:654px;bottom:539px;letter-spacing:-0.25px;display:inline;\">Charge to income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t4f_182\" style=\"left:1042px;bottom:539px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t4g_182\" style=\"left:1113px;bottom:539px;letter-spacing:-0.26px;display:inline;\">21.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t4h_182\" style=\"left:1191px;bottom:539px;letter-spacing:-0.26px;display:inline;\">21.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t4i_182\" style=\"left:654px;bottom:519px;letter-spacing:-0.24px;display:inline;\">Utilised </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t4j_182\" style=\"left:1053px;bottom:519px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t4k_182\" style=\"left:1116px;bottom:519px;letter-spacing:-0.23px;display:inline;\">(7.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t4l_182\" style=\"left:1194px;bottom:519px;letter-spacing:-0.23px;display:inline;\">(7.6) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t4m_182\" style=\"left:654px;bottom:499px;letter-spacing:-0.26px;display:inline;\">Balance at 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t4n_182\" style=\"left:1042px;bottom:499px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t4o_182\" style=\"left:1112px;bottom:499px;letter-spacing:-0.26px;display:inline;\">24.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t4p_182\" style=\"left:1190px;bottom:499px;letter-spacing:-0.26px;display:inline;\">25.5 </div></td></tr>\n                                        </table>\n<div class=\"t s9_182\" id=\"t4q_182\" style=\"left:654px;bottom:469px;letter-spacing:-0.19px;display:inline;\">Company </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s3_182\" id=\"t4r_182\" style=\"left:1074px;bottom:452px;letter-spacing:-0.02px;display:inline;\">Company </div> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4s_182\" style=\"left:983px;bottom:433px;letter-spacing:-0.02px;display:inline;\">ECL allowance </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4t_182\" style=\"left:1022px;bottom:420px;letter-spacing:-0.03px;display:inline;\">on loan </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4u_182\" style=\"left:987px;bottom:406px;letter-spacing:-0.01px;display:inline;\">commitments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4w_182\" style=\"left:1106px;bottom:406px;letter-spacing:-0.02px;display:inline;\">Other </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4y_182\" style=\"left:1190px;bottom:406px;letter-spacing:-0.35px;display:inline;\">Total </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4v_182\" style=\"left:1017px;bottom:392px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4x_182\" style=\"left:1095px;bottom:392px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_182\" id=\"t4z_182\" style=\"left:1173px;bottom:392px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t50_182\" style=\"left:654px;bottom:372px;letter-spacing:-0.25px;display:inline;\">Balance at 1 January 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t51_182\" style=\"left:1042px;bottom:372px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t52_182\" style=\"left:1120px;bottom:372px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t53_182\" style=\"left:1198px;bottom:372px;letter-spacing:-0.25px;display:inline;\">5.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t54_182\" style=\"left:654px;bottom:352px;letter-spacing:-0.25px;display:inline;\">Charge to income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t55_182\" style=\"left:1042px;bottom:352px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t56_182\" style=\"left:1113px;bottom:352px;letter-spacing:-0.26px;display:inline;\">10.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t57_182\" style=\"left:1191px;bottom:352px;letter-spacing:-0.26px;display:inline;\">10.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t58_182\" style=\"left:654px;bottom:332px;letter-spacing:-0.24px;display:inline;\">Utilised </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t59_182\" style=\"left:1053px;bottom:332px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t5a_182\" style=\"left:1116px;bottom:332px;letter-spacing:-0.23px;display:inline;\">(4.5) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t5b_182\" style=\"left:1194px;bottom:332px;letter-spacing:-0.23px;display:inline;\">(4.5) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t5c_182\" style=\"left:654px;bottom:313px;letter-spacing:-0.26px;display:inline;\">Balance at 31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t5d_182\" style=\"left:1042px;bottom:313px;letter-spacing:-0.25px;display:inline;\">0.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t5e_182\" style=\"left:1112px;bottom:313px;letter-spacing:-0.26px;display:inline;\">10.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t5f_182\" style=\"left:1190px;bottom:313px;letter-spacing:-0.26px;display:inline;\">11.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t5g_182\" style=\"left:654px;bottom:293px;letter-spacing:-0.25px;display:inline;\">Charge to income statement </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t5h_182\" style=\"left:1042px;bottom:293px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t5i_182\" style=\"left:1113px;bottom:293px;letter-spacing:-0.26px;display:inline;\">21.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t5j_182\" style=\"left:1191px;bottom:293px;letter-spacing:-0.26px;display:inline;\">21.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t5k_182\" style=\"left:654px;bottom:273px;letter-spacing:-0.24px;display:inline;\">Utilised </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_182\" id=\"t5l_182\" style=\"left:1053px;bottom:273px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t5m_182\" style=\"left:1116px;bottom:273px;letter-spacing:-0.23px;display:inline;\">(7.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_182\" id=\"t5n_182\" style=\"left:1194px;bottom:273px;letter-spacing:-0.23px;display:inline;\">(7.6) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_182\" id=\"t5o_182\" style=\"left:654px;bottom:253px;letter-spacing:-0.26px;display:inline;\">Balance at 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t5p_182\" style=\"left:1042px;bottom:253px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t5q_182\" style=\"left:1112px;bottom:253px;letter-spacing:-0.26px;display:inline;\">24.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_182\" id=\"t5r_182\" style=\"left:1190px;bottom:253px;letter-spacing:-0.26px;display:inline;\">25.5 </div></td></tr>\n                                        </table>\n<div class=\"t s9_182\" id=\"t5s_182\" style=\"left:654px;bottom:224px;letter-spacing:-0.17px;display:inline;\">ECL allowance on loan commitments </div><div class=\"t s5_182\" id=\"t5t_182\" style=\"left:654px;bottom:204px;letter-spacing:-0.38px;display:inline;\">In accordance with the requirements of IFRS 9, the Group holds an ECL allowance against loans it </div><div class=\"t s5_182\" id=\"t5u_182\" style=\"left:654px;bottom:188px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">has committed to lend, but have not yet been drawn. For the Real Estate Finance and Commercial </div><div class=\"t s5_182\" id=\"t5v_182\" style=\"left:654px;bottom:172px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Finance portfolios, where a loan facility is agreed that includes both drawn and undrawn elements </div><div class=\"t s5_182\" id=\"t5w_182\" style=\"left:654px;bottom:156px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">and the Group cannot identify the ECL on the loan commitment separately, a combined loss </div><div class=\"t s5_182\" id=\"t5x_182\" style=\"left:654px;bottom:140px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">allowance for both drawn and undrawn components of the loan is presented as a deduction from </div><div class=\"t s5_182\" id=\"t5y_182\" style=\"left:654px;bottom:124px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">the gross carrying amount of the drawn component, with any excess of the loss allowance over </div><div class=\"t s6_182\" id=\"t5z_182\" style=\"left:654px;bottom:108px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the gross drawn amount presented as a provision. At 31 December 2025 and 31 December 2024, </div><div class=\"t s5_182\" id=\"t60_182\" style=\"left:654px;bottom:92px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">no provision was held for losses in excess of drawn amounts. </div><div></div><div class=\"t s4_183\" id=\"t5_183\" style=\"left:65px;bottom:715px;letter-spacing:-0.16px;display:inline;\">Other </div><div class=\"t s5_183\" id=\"t6_183\" style=\"left:65px;bottom:695px;letter-spacing:-0.38px;display:inline;\">Other includes: </div><div class=\"t s5_183\" id=\"t7_183\" style=\"left:65px;bottom:673px;letter-spacing:-0.39px;word-spacing:0.19px;display:inline;\">\u2022 costs and redress relating to the BiFD Vehicle Finance collections review (see Note 8 for further </div><div class=\"t s5_183\" id=\"t8_183\" style=\"left:78px;bottom:657px;letter-spacing:-0.38px;display:inline;\">details) and historical motor commissions (see below for further details); </div><div class=\"t s5_183\" id=\"t9_183\" style=\"left:65px;bottom:636px;letter-spacing:-0.39px;word-spacing:0.98px;display:inline;\">\u2022 provision for redundancy; </div><div class=\"t s5_183\" id=\"ta_183\" style=\"left:65px;bottom:616px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 provision for fraud, which relates to cases where the Group has reasonable evidence of suspected </div><div class=\"t s6_183\" id=\"tb_183\" style=\"left:78px;bottom:600px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">fraud, but further investigation is required before the cases can be dealt with appropriately; </div><div class=\"t s5_183\" id=\"tc_183\" style=\"left:65px;bottom:580px;letter-spacing:-0.39px;word-spacing:0.49px;display:inline;\">\u2022 s75 Consumer Credit Act 1974 provision. </div><div class=\"t s5_183\" id=\"td_183\" style=\"left:65px;bottom:559px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">The Directors expect these provisions to be fully utilised within the next one to two years. </div><div class=\"t s7_183\" id=\"te_183\" style=\"left:82px;bottom:519px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\"><span>Provisions for liabilities and charges accounting policy </span></div><div class=\"t s5_183\" id=\"tf_183\" style=\"left:82px;bottom:499px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A provision is recognised where there is a present obligation as a result of a past event, </div><div class=\"t s6_183\" id=\"tg_183\" style=\"left:82px;bottom:483px;letter-spacing:-0.37px;display:inline;\"><span>it is probable that the obligation will be settled and it can be reliably estimated.</span> </div><div class=\"t s4_183\" id=\"th_183\" style=\"left:82px;bottom:423px;letter-spacing:-0.2px;word-spacing:0.02px;display:inline;\"><span>31.1. Key sources of estimation uncertainty </span></div><div class=\"t s5_183\" id=\"ti_183\" style=\"left:82px;bottom:403px;letter-spacing:-0.38px;display:inline;\">In January 2024, the FCA launched a review of the historical use of discretionary commission </div><div class=\"t s5_183\" id=\"tj_183\" style=\"left:82px;bottom:387px;letter-spacing:-0.41px;word-spacing:-0.02px;display:inline;\">arrangements (\u2018DCAs\u2019) in the motor finance industry. The Vehicle Finance business sometimes </div><div class=\"t s5_183\" id=\"tk_183\" style=\"left:82px;bottom:371px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">operated these arrangements until June 2017, but stopped doing so well ahead of the FCA </div><div class=\"t s5_183\" id=\"tl_183\" style=\"left:82px;bottom:355px;letter-spacing:-0.38px;display:inline;\">banning their use in January 2021. </div><div class=\"t s5_183\" id=\"tm_183\" style=\"left:82px;bottom:332px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In October 2024, the Court of Appeal gave judgment in the cases of Hopcraft, Wrench and </div><div class=\"t s5_183\" id=\"tn_183\" style=\"left:82px;bottom:316px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Johnson, which had wider implications for the legality of both fixed and DCA historical motor </div><div class=\"t s5_183\" id=\"to_183\" style=\"left:82px;bottom:300px;letter-spacing:-0.38px;display:inline;\">commissions. These were then appealed to the Supreme Court where, in August 2025, the </div><div class=\"t s5_183\" id=\"tp_183\" style=\"left:82px;bottom:284px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Hopcraft and Wrench cases were overturned, however the Johnson case was upheld on the </div><div class=\"t s5_183\" id=\"tq_183\" style=\"left:82px;bottom:268px;letter-spacing:-0.37px;display:inline;\">facts of that case. </div><div class=\"t s5_183\" id=\"tr_183\" style=\"left:671px;bottom:722px;letter-spacing:-0.38px;display:inline;\">At 31 December 2024, we undertook scenario analysis using different assumptions, </div><div class=\"t s6_183\" id=\"ts_183\" style=\"left:671px;bottom:706px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">which were probability weighted to estimate a potential exposure. In October 2025, </div><div class=\"t s6_183\" id=\"tt_183\" style=\"left:671px;bottom:690px;letter-spacing:-0.38px;display:inline;\">the FCA issued a consultation paper providing further detail on its proposed redress </div><div class=\"t s5_183\" id=\"tu_183\" style=\"left:671px;bottom:674px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">approach, including significantly broadening the scope of the overall redress scheme, how </div><div class=\"t s5_183\" id=\"tv_183\" style=\"left:671px;bottom:658px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">unfairness would be assessed, the scheme\u2019s period and proposed redress methodology. </div><div class=\"t s5_183\" id=\"tw_183\" style=\"left:671px;bottom:642px;letter-spacing:-0.38px;word-spacing:-0.02px;display:inline;\">Based on the FCA proposals in their current form, the potential impact is towards the extreme </div><div class=\"t s5_183\" id=\"tx_183\" style=\"left:671px;bottom:626px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">end of the range of previously expected outcomes. As a result, the Group recognised a further </div><div class=\"t s5_183\" id=\"ty_183\" style=\"left:671px;bottom:610px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">provision of \u00a316.4 million. This comprises further potential goodwill/redress payments of </div><div class=\"t s5_183\" id=\"tz_183\" style=\"left:671px;bottom:594px;letter-spacing:-0.37px;display:inline;\">\u00a311.3 million (2024: \u00a35.2 million), and \u00a35.1 million (2024: \u00a31.2 million) of associated costs. </div><div class=\"t s5_183\" id=\"t10_183\" style=\"left:671px;bottom:578px;letter-spacing:-0.38px;display:inline;\">As at 31 December 2025, the Group held a provision of \u00a321.5 million (2024: \u00a36.4 million). </div><div class=\"t s5_183\" id=\"t11_183\" style=\"left:671px;bottom:562px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">If the FCA scheme was implemented entirely in its current form, the Group would expect </div><span>to increase the provision for redress by a further \u00a36.0 million. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00527": {
   "value": "<span>Provisions for liabilities and charges accounting policy </span><div class=\"t s5_183\" id=\"tf_183\" style=\"left:82px;bottom:499px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">A provision is recognised where there is a present obligation as a result of a past event, </div><span>it is probable that the obligation will be settled and it can be reliably estimated.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00365": {
   "value": "<span>32. Subordinated liabilities </span><div class=\"t s3_184\" id=\"t4_184\" style=\"left:65px;bottom:715px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_184\" id=\"t5_184\" style=\"left:522px;bottom:698px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_184\" id=\"t7_184\" style=\"left:600px;bottom:698px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_184\" id=\"t6_184\" style=\"left:506px;bottom:684px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_184\" id=\"t8_184\" style=\"left:586px;bottom:684px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t9_184\" style=\"left:65px;bottom:664px;letter-spacing:-0.25px;display:inline;\">Notes at par value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"ta_184\" style=\"left:524px;bottom:664px;letter-spacing:-0.26px;display:inline;\">90.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"tb_184\" style=\"left:602px;bottom:664px;letter-spacing:-0.26px;display:inline;\">90.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"tc_184\" style=\"left:65px;bottom:644px;letter-spacing:-0.25px;display:inline;\">Unamortised issue costs </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"td_184\" style=\"left:527px;bottom:644px;letter-spacing:-0.23px;display:inline;\">(0.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"te_184\" style=\"left:605px;bottom:644px;letter-spacing:-0.23px;display:inline;\">(0.7) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"tf_184\" style=\"left:65px;bottom:624px;letter-spacing:-0.25px;display:inline;\">Accrued interest </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"tg_184\" style=\"left:531px;bottom:624px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"th_184\" style=\"left:609px;bottom:624px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_184\" id=\"ti_184\" style=\"left:523px;bottom:605px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_184\" id=\"tj_184\" style=\"left:601px;bottom:605px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s6_184\" id=\"tk_184\" style=\"left:65px;bottom:577px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Fixed Rate Reset Callable Subordinated Notes due August 2033 are listed on the International </div><div class=\"t s6_184\" id=\"tl_184\" style=\"left:65px;bottom:561px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Securities Market of the London Stock Exchange. This issuance is in line with the Group\u2019s funding </div><div class=\"t s6_184\" id=\"tm_184\" style=\"left:65px;bottom:545px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">strategy and supports the Group\u2019s stated medium-term growth ambitions. </div><div class=\"t s6_184\" id=\"tn_184\" style=\"left:65px;bottom:523px;letter-spacing:-0.38px;word-spacing:0.23px;display:inline;\">\u2022 The notes are redeemable for cash at their principal amount on fixed dates. </div><div class=\"t s6_184\" id=\"to_184\" style=\"left:65px;bottom:502px;letter-spacing:-0.39px;word-spacing:0.16px;display:inline;\">\u2022 The Company has a call option to redeem the notes early in the event of a \u2018tax event\u2019 or a \u2018capital </div><div class=\"t s6_184\" id=\"tp_184\" style=\"left:78px;bottom:486px;letter-spacing:-0.42px;word-spacing:0.05px;display:inline;\">disqualification event\u2019, which is at the full discretion of the Company. </div><div class=\"t s6_184\" id=\"tq_184\" style=\"left:65px;bottom:466px;letter-spacing:-0.4px;word-spacing:0.31px;display:inline;\">\u2022 Interest payments are paid at six-monthly intervals and are mandatory. </div><div class=\"t s6_184\" id=\"tr_184\" style=\"left:65px;bottom:445px;letter-spacing:-0.38px;word-spacing:0.18px;display:inline;\">\u2022 The notes give the holders\u2019 rights to the principal amount on the notes, plus any unpaid interest, </div><div class=\"t s6_184\" id=\"ts_184\" style=\"left:78px;bottom:429px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">on liquidation. Any such claims are subordinated to senior creditors, but rank pari passu with </div><div class=\"t s7_184\" id=\"tt_184\" style=\"left:78px;bottom:413px;letter-spacing:-0.37px;display:inline;\">holders of other subordinated obligations and in priority to holders of share capital. </div><div class=\"t s6_184\" id=\"tu_184\" style=\"left:65px;bottom:389px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The above features provide the issuer with a contractual obligation to deliver cash or another </div><div class=\"t s7_184\" id=\"tv_184\" style=\"left:65px;bottom:373px;letter-spacing:-0.37px;display:inline;\">financial asset to the holders, and, therefore, the notes are classified as financial liabilities. </div><div class=\"t s6_184\" id=\"tw_184\" style=\"left:65px;bottom:350px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">Transaction costs that are directly attributable to the issue of the notes and are deducted from the </div><div class=\"t s6_184\" id=\"tx_184\" style=\"left:65px;bottom:334px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">financial liability and expensed to the income statement on an effective interest rate basis over the </div><div class=\"t s6_184\" id=\"ty_184\" style=\"left:65px;bottom:318px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">expected life of the notes. </div><div class=\"t s6_184\" id=\"tz_184\" style=\"left:65px;bottom:295px;letter-spacing:-0.38px;display:inline;\">The notes are treated as Tier 2 regulatory capital, which is used to support the continuing growth of </div><div class=\"t s6_184\" id=\"t10_184\" style=\"left:65px;bottom:279px;letter-spacing:-0.37px;display:inline;\">the business taking into account increases in regulatory capital buffers. The issue of the notes is part </div><div class=\"t s6_184\" id=\"t11_184\" style=\"left:65px;bottom:263px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of an ongoing programme to diversify and expand the capital base of the Group. </div><div class=\"t s6_184\" id=\"t12_184\" style=\"left:65px;bottom:241px;letter-spacing:-0.38px;display:inline;\">The Group paid interest of \u00a311.7 million on subordinated liabilities during the period </div><div class=\"t s6_184\" id=\"t13_184\" style=\"left:65px;bottom:225px;letter-spacing:-0.38px;display:inline;\">(2024: \u00a311.7 million), which is included in net cash inflow from operating activities in the </div><div class=\"t s6_184\" id=\"t14_184\" style=\"left:65px;bottom:209px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">consolidated and company statement of cash flows. </div><div class=\"t s6_184\" id=\"t15_184\" style=\"left:82px;bottom:169px;letter-spacing:-0.37px;display:inline;\"><span>The accounting policy for subordinated liabilities is included in Note 1.4 \u2013 Financial assets and </span></div><span>financial liabilities accounting policy.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00366": {
   "value": "<span>33. Contingent liabilities and commitments </span><div class=\"t s3_184\" id=\"t18_184\" style=\"left:654px;bottom:715px;letter-spacing:-0.19px;display:inline;\"><span>33.1. Contingent liabilities </span></div><div class=\"t s9_184\" id=\"t19_184\" style=\"left:654px;bottom:695px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">31.1.1. Laws and regulations </div><div class=\"t s6_184\" id=\"t1a_184\" style=\"left:654px;bottom:675px;letter-spacing:-0.38px;display:inline;\">As a financial services business, the Group must comply with numerous laws and regulations </div><div class=\"t s7_184\" id=\"t1b_184\" style=\"left:654px;bottom:659px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that significantly affect the way it does business. Whilst the Group believes there are no material </div><div class=\"t s7_184\" id=\"t1c_184\" style=\"left:654px;bottom:643px;letter-spacing:-0.38px;display:inline;\">unidentified areas of failure to comply with these laws and regulations, there can be no guarantee </div><div class=\"t s6_184\" id=\"t1d_184\" style=\"left:654px;bottom:627px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>that all issues have been identified. </span></div><div class=\"t s3_184\" id=\"t1e_184\" style=\"left:654px;bottom:602px;letter-spacing:-0.18px;display:inline;\"><span>33.2. Capital commitments </span></div><div class=\"t s6_184\" id=\"t1f_184\" style=\"left:654px;bottom:583px;letter-spacing:-0.39px;display:inline;\">At 31 December 2025, the Group and Company had no capital commitments (2024: \u00a3nil). </div><div class=\"t s3_184\" id=\"t1g_184\" style=\"left:654px;bottom:558px;letter-spacing:-0.17px;display:inline;\">33.3. Credit commitments </div><div class=\"t s3_184\" id=\"t1h_184\" style=\"left:654px;bottom:536px;letter-spacing:-0.19px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s6_184\" id=\"t1i_184\" style=\"left:654px;bottom:516px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Commitments to extend credit to customers were as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_184\" id=\"t1j_184\" style=\"left:1111px;bottom:496px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_184\" id=\"t1l_184\" style=\"left:1189px;bottom:496px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_184\" id=\"t1k_184\" style=\"left:1095px;bottom:482px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_184\" id=\"t1m_184\" style=\"left:1175px;bottom:482px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1n_184\" style=\"left:654px;bottom:462px;letter-spacing:-0.26px;display:inline;\">Consumer Finance </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1o_184\" style=\"left:668px;bottom:442px;letter-spacing:-0.25px;display:inline;\">Retail Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1p_184\" style=\"left:1105px;bottom:442px;letter-spacing:-0.26px;display:inline;\">115.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1q_184\" style=\"left:1183px;bottom:442px;letter-spacing:-0.26px;display:inline;\">112.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1r_184\" style=\"left:668px;bottom:423px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Vehicle Finance </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1s_184\" style=\"left:1131px;bottom:423px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1t_184\" style=\"left:1198px;bottom:423px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1u_184\" style=\"left:654px;bottom:403px;letter-spacing:-0.25px;display:inline;\">Business Finance </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1v_184\" style=\"left:668px;bottom:383px;letter-spacing:-0.25px;display:inline;\">Real Estate Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1w_184\" style=\"left:1113px;bottom:383px;letter-spacing:-0.26px;display:inline;\">40.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1x_184\" style=\"left:1191px;bottom:383px;letter-spacing:-0.26px;display:inline;\">39.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1y_184\" style=\"left:668px;bottom:363px;letter-spacing:-0.26px;display:inline;\">Commercial Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1z_184\" style=\"left:1105px;bottom:363px;letter-spacing:-0.26px;display:inline;\">241.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t20_184\" style=\"left:1183px;bottom:363px;letter-spacing:-0.26px;display:inline;\">110.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_184\" id=\"t21_184\" style=\"left:1105px;bottom:344px;letter-spacing:-0.26px;display:inline;\">397.8 </div></td>\n\t\t\t<td class=\"undefined\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_184\" id=\"t22_184\" style=\"left:1182px;bottom:344px;letter-spacing:-0.26px;display:inline;\">263.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00367": {
   "value": "<span>33.1. Contingent liabilities </span><div class=\"t s9_184\" id=\"t19_184\" style=\"left:654px;bottom:695px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">31.1.1. Laws and regulations </div><div class=\"t s6_184\" id=\"t1a_184\" style=\"left:654px;bottom:675px;letter-spacing:-0.38px;display:inline;\">As a financial services business, the Group must comply with numerous laws and regulations </div><div class=\"t s7_184\" id=\"t1b_184\" style=\"left:654px;bottom:659px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">that significantly affect the way it does business. Whilst the Group believes there are no material </div><div class=\"t s7_184\" id=\"t1c_184\" style=\"left:654px;bottom:643px;letter-spacing:-0.38px;display:inline;\">unidentified areas of failure to comply with these laws and regulations, there can be no guarantee </div><span>that all issues have been identified. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00368": {
   "value": "<span>33.2. Capital commitments </span><div class=\"t s6_184\" id=\"t1f_184\" style=\"left:654px;bottom:583px;letter-spacing:-0.39px;display:inline;\">At 31 December 2025, the Group and Company had no capital commitments (2024: \u00a3nil). </div><div class=\"t s3_184\" id=\"t1g_184\" style=\"left:654px;bottom:558px;letter-spacing:-0.17px;display:inline;\">33.3. Credit commitments </div><div class=\"t s3_184\" id=\"t1h_184\" style=\"left:654px;bottom:536px;letter-spacing:-0.19px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s6_184\" id=\"t1i_184\" style=\"left:654px;bottom:516px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Commitments to extend credit to customers were as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_184\" id=\"t1j_184\" style=\"left:1111px;bottom:496px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_184\" id=\"t1l_184\" style=\"left:1189px;bottom:496px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_184\" id=\"t1k_184\" style=\"left:1095px;bottom:482px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_184\" id=\"t1m_184\" style=\"left:1175px;bottom:482px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1n_184\" style=\"left:654px;bottom:462px;letter-spacing:-0.26px;display:inline;\">Consumer Finance </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1o_184\" style=\"left:668px;bottom:442px;letter-spacing:-0.25px;display:inline;\">Retail Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1p_184\" style=\"left:1105px;bottom:442px;letter-spacing:-0.26px;display:inline;\">115.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1q_184\" style=\"left:1183px;bottom:442px;letter-spacing:-0.26px;display:inline;\">112.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1r_184\" style=\"left:668px;bottom:423px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Vehicle Finance </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1s_184\" style=\"left:1131px;bottom:423px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1t_184\" style=\"left:1198px;bottom:423px;letter-spacing:-0.25px;display:inline;\">1.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1u_184\" style=\"left:654px;bottom:403px;letter-spacing:-0.25px;display:inline;\">Business Finance </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1v_184\" style=\"left:668px;bottom:383px;letter-spacing:-0.25px;display:inline;\">Real Estate Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1w_184\" style=\"left:1113px;bottom:383px;letter-spacing:-0.26px;display:inline;\">40.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1x_184\" style=\"left:1191px;bottom:383px;letter-spacing:-0.26px;display:inline;\">39.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_184\" id=\"t1y_184\" style=\"left:668px;bottom:363px;letter-spacing:-0.26px;display:inline;\">Commercial Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t1z_184\" style=\"left:1105px;bottom:363px;letter-spacing:-0.26px;display:inline;\">241.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_184\" id=\"t20_184\" style=\"left:1183px;bottom:363px;letter-spacing:-0.26px;display:inline;\">110.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_184\" id=\"t21_184\" style=\"left:1105px;bottom:344px;letter-spacing:-0.26px;display:inline;\">397.8 </div></td>\n\t\t\t<td class=\"undefined\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_184\" id=\"t22_184\" style=\"left:1182px;bottom:344px;letter-spacing:-0.26px;display:inline;\">263.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00369": {
   "value": "<span>34. Share capital </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t4_185\" style=\"left:506px;bottom:717px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t5_185\" style=\"left:584px;bottom:717px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t6_185\" style=\"left:65px;bottom:696px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t7_185\" style=\"left:482px;bottom:696px;letter-spacing:-0.26px;display:inline;\">19,017,795 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_185\" id=\"t8_185\" style=\"left:609px;bottom:696px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t9_185\" style=\"left:65px;bottom:677px;letter-spacing:-0.25px;display:inline;\">Issued during 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"ta_185\" style=\"left:508px;bottom:677px;letter-spacing:-0.27px;display:inline;\">53,613 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_185\" id=\"tb_185\" style=\"left:620px;bottom:677px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"tc_185\" style=\"left:65px;bottom:657px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"td_185\" style=\"left:481px;bottom:657px;letter-spacing:-0.26px;display:inline;\">19,071,408 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_185\" id=\"te_185\" style=\"left:609px;bottom:657px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"tf_185\" style=\"left:65px;bottom:637px;letter-spacing:-0.25px;display:inline;\">Issued during 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"tg_185\" style=\"left:508px;bottom:637px;letter-spacing:-0.27px;display:inline;\">25,848 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_185\" id=\"th_185\" style=\"left:620px;bottom:637px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"ti_185\" style=\"left:65px;bottom:617px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"tj_185\" style=\"left:481px;bottom:617px;letter-spacing:-0.26px;display:inline;\">19,097,256 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_185\" id=\"tk_185\" style=\"left:609px;bottom:617px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_185\" id=\"tl_185\" style=\"left:65px;bottom:590px;letter-spacing:-0.38px;display:inline;\">Share capital comprises ordinary shares with a par value of 40 pence each. </div><div class=\"t s8_185\" id=\"tm_185\" style=\"left:82px;bottom:550px;letter-spacing:-0.39px;display:inline;\"><span>Equity instruments accounting policy </span></div><div class=\"t s4_185\" id=\"tn_185\" style=\"left:82px;bottom:530px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Equity instruments issued by the Company are recorded at the proceeds received, net of </div><div class=\"t s4_185\" id=\"to_185\" style=\"left:82px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">direct issuance costs. Any amounts received over nominal value are recorded in the share </div><div class=\"t s4_185\" id=\"tp_185\" style=\"left:82px;bottom:498px;letter-spacing:-0.37px;display:inline;\">premium account, net of direct issuance costs. Costs associated with the listing of shares </div><span>are expensed immediately.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00372": {
   "value": "<span>34. Share capital </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t4_185\" style=\"left:506px;bottom:717px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t5_185\" style=\"left:584px;bottom:717px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t6_185\" style=\"left:65px;bottom:696px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t7_185\" style=\"left:482px;bottom:696px;letter-spacing:-0.26px;display:inline;\">19,017,795 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_185\" id=\"t8_185\" style=\"left:609px;bottom:696px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t9_185\" style=\"left:65px;bottom:677px;letter-spacing:-0.25px;display:inline;\">Issued during 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"ta_185\" style=\"left:508px;bottom:677px;letter-spacing:-0.27px;display:inline;\">53,613 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_185\" id=\"tb_185\" style=\"left:620px;bottom:677px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"tc_185\" style=\"left:65px;bottom:657px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"td_185\" style=\"left:481px;bottom:657px;letter-spacing:-0.26px;display:inline;\">19,071,408 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_185\" id=\"te_185\" style=\"left:609px;bottom:657px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"tf_185\" style=\"left:65px;bottom:637px;letter-spacing:-0.25px;display:inline;\">Issued during 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"tg_185\" style=\"left:508px;bottom:637px;letter-spacing:-0.27px;display:inline;\">25,848 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_185\" id=\"th_185\" style=\"left:620px;bottom:637px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"ti_185\" style=\"left:65px;bottom:617px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"tj_185\" style=\"left:481px;bottom:617px;letter-spacing:-0.26px;display:inline;\">19,097,256 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_185\" id=\"tk_185\" style=\"left:609px;bottom:617px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_185\" id=\"tl_185\" style=\"left:65px;bottom:590px;letter-spacing:-0.38px;display:inline;\">Share capital comprises ordinary shares with a par value of 40 pence each. </div><div class=\"t s8_185\" id=\"tm_185\" style=\"left:82px;bottom:550px;letter-spacing:-0.39px;display:inline;\"><span>Equity instruments accounting policy </span></div><div class=\"t s4_185\" id=\"tn_185\" style=\"left:82px;bottom:530px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Equity instruments issued by the Company are recorded at the proceeds received, net of </div><div class=\"t s4_185\" id=\"to_185\" style=\"left:82px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">direct issuance costs. Any amounts received over nominal value are recorded in the share </div><div class=\"t s4_185\" id=\"tp_185\" style=\"left:82px;bottom:498px;letter-spacing:-0.37px;display:inline;\">premium account, net of direct issuance costs. Costs associated with the listing of shares </div><div class=\"t s5_185\" id=\"tq_185\" style=\"left:82px;bottom:482px;letter-spacing:-0.45px;word-spacing:0.09px;display:inline;\"><span>are expensed immediately.</span> </div><div class=\"t s2_185\" id=\"tr_185\" style=\"left:65px;bottom:436px;letter-spacing:-0.45px;word-spacing:0.02px;display:inline;\"><span>35. Other reserves </span></div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"ts_185\" style=\"left:360px;bottom:418px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tv_185\" style=\"left:438px;bottom:418px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"ty_185\" style=\"left:499px;bottom:418px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t11_185\" style=\"left:578px;bottom:418px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tt_185\" style=\"left:366px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tw_185\" style=\"left:444px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tz_185\" style=\"left:522px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t12_185\" style=\"left:600px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tu_185\" style=\"left:350px;bottom:390px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tx_185\" style=\"left:430px;bottom:390px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t10_185\" style=\"left:506px;bottom:390px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t13_185\" style=\"left:586px;bottom:390px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t14_185\" style=\"left:65px;bottom:370px;letter-spacing:-0.26px;display:inline;\">Own shares </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t15_185\" style=\"left:371px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t16_185\" style=\"left:449px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t17_185\" style=\"left:527px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t18_185\" style=\"left:605px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t19_185\" style=\"left:371px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1a_185\" style=\"left:449px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1b_185\" style=\"left:527px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1c_185\" style=\"left:605px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_185\" id=\"t1d_185\" style=\"left:654px;bottom:738px;letter-spacing:-0.18px;display:inline;\">35.1. Own shares </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1h_185\" style=\"left:1015px;bottom:721px;letter-spacing:-0.02px;display:inline;\">Nominal </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1n_185\" style=\"left:1172px;bottom:721px;letter-spacing:-0.02px;display:inline;\">Nominal </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1i_185\" style=\"left:1032px;bottom:707px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1o_185\" style=\"left:1189px;bottom:707px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1f_185\" style=\"left:955px;bottom:694px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1j_185\" style=\"left:1033px;bottom:694px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1l_185\" style=\"left:1111px;bottom:694px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1p_185\" style=\"left:1189px;bottom:694px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1e_185\" style=\"left:654px;bottom:680px;letter-spacing:-0.08px;word-spacing:0.05px;display:inline;\">Employee Benefit Trust (\u2018EBT\u2019) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1g_185\" style=\"left:939px;bottom:680px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1k_185\" style=\"left:1017px;bottom:680px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1m_185\" style=\"left:1095px;bottom:680px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1q_185\" style=\"left:1175px;bottom:680px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1r_185\" style=\"left:654px;bottom:659px;letter-spacing:-0.25px;display:inline;\">At 1 January </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1s_185\" style=\"left:933px;bottom:659px;letter-spacing:-0.25px;display:inline;\">434,809 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1t_185\" style=\"left:1042px;bottom:659px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1u_185\" style=\"left:1089px;bottom:659px;letter-spacing:-0.25px;display:inline;\">216,472 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1v_185\" style=\"left:1198px;bottom:659px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1w_185\" style=\"left:654px;bottom:640px;letter-spacing:-0.25px;display:inline;\">Shares acquired </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1x_185\" style=\"left:941px;bottom:640px;letter-spacing:-0.25px;display:inline;\">47,475 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1y_185\" style=\"left:1053px;bottom:640px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1z_185\" style=\"left:1089px;bottom:640px;letter-spacing:-0.25px;display:inline;\">312,718 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t20_185\" style=\"left:1198px;bottom:640px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t21_185\" style=\"left:654px;bottom:620px;letter-spacing:-0.25px;display:inline;\">Shares disposed </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t22_185\" style=\"left:929px;bottom:620px;letter-spacing:-0.25px;display:inline;\">(100,801) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t23_185\" style=\"left:1053px;bottom:620px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t24_185\" style=\"left:1093px;bottom:620px;letter-spacing:-0.25px;display:inline;\">(94,381) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t25_185\" style=\"left:1209px;bottom:620px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t26_185\" style=\"left:654px;bottom:600px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t27_185\" style=\"left:933px;bottom:600px;letter-spacing:-0.25px;display:inline;\">381,483 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t28_185\" style=\"left:1042px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t29_185\" style=\"left:1089px;bottom:600px;letter-spacing:-0.25px;display:inline;\">434,809 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2a_185\" style=\"left:1198px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2b_185\" style=\"left:654px;bottom:581px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Market value (\u00a3million) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2c_185\" style=\"left:964px;bottom:581px;letter-spacing:-0.22px;display:inline;\">4.7 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2d_185\" style=\"left:1120px;bottom:581px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2e_185\" style=\"left:654px;bottom:561px;letter-spacing:-0.25px;display:inline;\">Accounting value (\u00a3million) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2f_185\" style=\"left:964px;bottom:561px;letter-spacing:-0.22px;display:inline;\">1.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2g_185\" style=\"left:1120px;bottom:561px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2h_185\" style=\"left:654px;bottom:541px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Percentage of called up share capital </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2i_185\" style=\"left:953px;bottom:541px;letter-spacing:-0.27px;display:inline;\">2.0% </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2j_185\" style=\"left:1109px;bottom:541px;letter-spacing:-0.27px;display:inline;\">2.3% </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_185\" id=\"t2k_185\" style=\"left:654px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">These shares are held in trust for the benefit of employees, who will be exercising their options </div><div class=\"t s4_185\" id=\"t2l_185\" style=\"left:654px;bottom:498px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">under the Group\u2019s share options schemes. The trustee\u2019s expenses are included in the operating </div><div class=\"t s4_185\" id=\"t2m_185\" style=\"left:654px;bottom:482px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expenses of the Group. The maximum number of shares held by the EBT during the year was </div><div class=\"t s4_185\" id=\"t2n_185\" style=\"left:654px;bottom:466px;letter-spacing:-0.38px;display:inline;\">480,382 (2024: 434,809), which had a nominal value of \u00a3192,000 (2024: \u00a3174,000). </div><div class=\"t s5_185\" id=\"t2o_185\" style=\"left:654px;bottom:449px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Shares were disposed of during the year for consideration of \u00a340,000 (2024: \u00a337,000). </div><div class=\"t s8_185\" id=\"t2p_185\" style=\"left:671px;bottom:410px;letter-spacing:-0.39px;display:inline;\"><span>Own shares accounting policy </span></div><div class=\"t s4_185\" id=\"t2q_185\" style=\"left:671px;bottom:389px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The EBT qualifies for \u2018look-through\u2019 accounting, under which the EBT is treated as, in </div><div class=\"t s4_185\" id=\"t2r_185\" style=\"left:671px;bottom:373px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">substance, an extension of the sponsoring entity, which is Secure Trust Bank PLC. Own shares </div><div class=\"t s4_185\" id=\"t2s_185\" style=\"left:671px;bottom:357px;letter-spacing:-0.43px;word-spacing:0.06px;display:inline;\">represent the shares of the parent Company, Secure Trust Bank PLC, that are held by the EBT. </div><span>Own shares are recorded at cost and deducted from equity.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00528": {
   "value": "<span>Equity instruments accounting policy </span><div class=\"t s4_185\" id=\"tn_185\" style=\"left:82px;bottom:530px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Equity instruments issued by the Company are recorded at the proceeds received, net of </div><div class=\"t s4_185\" id=\"to_185\" style=\"left:82px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">direct issuance costs. Any amounts received over nominal value are recorded in the share </div><div class=\"t s4_185\" id=\"tp_185\" style=\"left:82px;bottom:498px;letter-spacing:-0.37px;display:inline;\">premium account, net of direct issuance costs. Costs associated with the listing of shares </div><span>are expensed immediately.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00370": {
   "value": "<span>35. Other reserves </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"ts_185\" style=\"left:360px;bottom:418px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tv_185\" style=\"left:438px;bottom:418px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"ty_185\" style=\"left:499px;bottom:418px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t11_185\" style=\"left:578px;bottom:418px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tt_185\" style=\"left:366px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tw_185\" style=\"left:444px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tz_185\" style=\"left:522px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t12_185\" style=\"left:600px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tu_185\" style=\"left:350px;bottom:390px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tx_185\" style=\"left:430px;bottom:390px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t10_185\" style=\"left:506px;bottom:390px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t13_185\" style=\"left:586px;bottom:390px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t14_185\" style=\"left:65px;bottom:370px;letter-spacing:-0.26px;display:inline;\">Own shares </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t15_185\" style=\"left:371px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t16_185\" style=\"left:449px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t17_185\" style=\"left:527px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t18_185\" style=\"left:605px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t19_185\" style=\"left:371px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1a_185\" style=\"left:449px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1b_185\" style=\"left:527px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1c_185\" style=\"left:605px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_185\" id=\"t1d_185\" style=\"left:654px;bottom:738px;letter-spacing:-0.18px;display:inline;\">35.1. Own shares </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1h_185\" style=\"left:1015px;bottom:721px;letter-spacing:-0.02px;display:inline;\">Nominal </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1n_185\" style=\"left:1172px;bottom:721px;letter-spacing:-0.02px;display:inline;\">Nominal </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1i_185\" style=\"left:1032px;bottom:707px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1o_185\" style=\"left:1189px;bottom:707px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1f_185\" style=\"left:955px;bottom:694px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1j_185\" style=\"left:1033px;bottom:694px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1l_185\" style=\"left:1111px;bottom:694px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1p_185\" style=\"left:1189px;bottom:694px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1e_185\" style=\"left:654px;bottom:680px;letter-spacing:-0.08px;word-spacing:0.05px;display:inline;\">Employee Benefit Trust (\u2018EBT\u2019) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1g_185\" style=\"left:939px;bottom:680px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1k_185\" style=\"left:1017px;bottom:680px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1m_185\" style=\"left:1095px;bottom:680px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1q_185\" style=\"left:1175px;bottom:680px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1r_185\" style=\"left:654px;bottom:659px;letter-spacing:-0.25px;display:inline;\">At 1 January </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1s_185\" style=\"left:933px;bottom:659px;letter-spacing:-0.25px;display:inline;\">434,809 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1t_185\" style=\"left:1042px;bottom:659px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1u_185\" style=\"left:1089px;bottom:659px;letter-spacing:-0.25px;display:inline;\">216,472 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1v_185\" style=\"left:1198px;bottom:659px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1w_185\" style=\"left:654px;bottom:640px;letter-spacing:-0.25px;display:inline;\">Shares acquired </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1x_185\" style=\"left:941px;bottom:640px;letter-spacing:-0.25px;display:inline;\">47,475 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1y_185\" style=\"left:1053px;bottom:640px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1z_185\" style=\"left:1089px;bottom:640px;letter-spacing:-0.25px;display:inline;\">312,718 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t20_185\" style=\"left:1198px;bottom:640px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t21_185\" style=\"left:654px;bottom:620px;letter-spacing:-0.25px;display:inline;\">Shares disposed </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t22_185\" style=\"left:929px;bottom:620px;letter-spacing:-0.25px;display:inline;\">(100,801) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t23_185\" style=\"left:1053px;bottom:620px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t24_185\" style=\"left:1093px;bottom:620px;letter-spacing:-0.25px;display:inline;\">(94,381) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t25_185\" style=\"left:1209px;bottom:620px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t26_185\" style=\"left:654px;bottom:600px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t27_185\" style=\"left:933px;bottom:600px;letter-spacing:-0.25px;display:inline;\">381,483 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t28_185\" style=\"left:1042px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t29_185\" style=\"left:1089px;bottom:600px;letter-spacing:-0.25px;display:inline;\">434,809 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2a_185\" style=\"left:1198px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2b_185\" style=\"left:654px;bottom:581px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Market value (\u00a3million) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2c_185\" style=\"left:964px;bottom:581px;letter-spacing:-0.22px;display:inline;\">4.7 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2d_185\" style=\"left:1120px;bottom:581px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2e_185\" style=\"left:654px;bottom:561px;letter-spacing:-0.25px;display:inline;\">Accounting value (\u00a3million) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2f_185\" style=\"left:964px;bottom:561px;letter-spacing:-0.22px;display:inline;\">1.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2g_185\" style=\"left:1120px;bottom:561px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2h_185\" style=\"left:654px;bottom:541px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Percentage of called up share capital </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2i_185\" style=\"left:953px;bottom:541px;letter-spacing:-0.27px;display:inline;\">2.0% </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2j_185\" style=\"left:1109px;bottom:541px;letter-spacing:-0.27px;display:inline;\">2.3% </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_185\" id=\"t2k_185\" style=\"left:654px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">These shares are held in trust for the benefit of employees, who will be exercising their options </div><div class=\"t s4_185\" id=\"t2l_185\" style=\"left:654px;bottom:498px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">under the Group\u2019s share options schemes. The trustee\u2019s expenses are included in the operating </div><div class=\"t s4_185\" id=\"t2m_185\" style=\"left:654px;bottom:482px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expenses of the Group. The maximum number of shares held by the EBT during the year was </div><div class=\"t s4_185\" id=\"t2n_185\" style=\"left:654px;bottom:466px;letter-spacing:-0.38px;display:inline;\">480,382 (2024: 434,809), which had a nominal value of \u00a3192,000 (2024: \u00a3174,000). </div><div class=\"t s5_185\" id=\"t2o_185\" style=\"left:654px;bottom:449px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Shares were disposed of during the year for consideration of \u00a340,000 (2024: \u00a337,000). </div><div class=\"t s8_185\" id=\"t2p_185\" style=\"left:671px;bottom:410px;letter-spacing:-0.39px;display:inline;\"><span>Own shares accounting policy </span></div><div class=\"t s4_185\" id=\"t2q_185\" style=\"left:671px;bottom:389px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The EBT qualifies for \u2018look-through\u2019 accounting, under which the EBT is treated as, in </div><div class=\"t s4_185\" id=\"t2r_185\" style=\"left:671px;bottom:373px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">substance, an extension of the sponsoring entity, which is Secure Trust Bank PLC. Own shares </div><div class=\"t s4_185\" id=\"t2s_185\" style=\"left:671px;bottom:357px;letter-spacing:-0.43px;word-spacing:0.06px;display:inline;\">represent the shares of the parent Company, Secure Trust Bank PLC, that are held by the EBT. </div><span>Own shares are recorded at cost and deducted from equity.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00371": {
   "value": "<span>35. Other reserves </span><table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"ts_185\" style=\"left:360px;bottom:418px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tv_185\" style=\"left:438px;bottom:418px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"ty_185\" style=\"left:499px;bottom:418px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t11_185\" style=\"left:578px;bottom:418px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tt_185\" style=\"left:366px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tw_185\" style=\"left:444px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tz_185\" style=\"left:522px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t12_185\" style=\"left:600px;bottom:404px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"tu_185\" style=\"left:350px;bottom:390px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"tx_185\" style=\"left:430px;bottom:390px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t10_185\" style=\"left:506px;bottom:390px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t13_185\" style=\"left:586px;bottom:390px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t14_185\" style=\"left:65px;bottom:370px;letter-spacing:-0.26px;display:inline;\">Own shares </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t15_185\" style=\"left:371px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t16_185\" style=\"left:449px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t17_185\" style=\"left:527px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t18_185\" style=\"left:605px;bottom:370px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t19_185\" style=\"left:371px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1a_185\" style=\"left:449px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1b_185\" style=\"left:527px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t1c_185\" style=\"left:605px;bottom:350px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_185\" id=\"t1d_185\" style=\"left:654px;bottom:738px;letter-spacing:-0.18px;display:inline;\">35.1. Own shares </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1h_185\" style=\"left:1015px;bottom:721px;letter-spacing:-0.02px;display:inline;\">Nominal </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1n_185\" style=\"left:1172px;bottom:721px;letter-spacing:-0.02px;display:inline;\">Nominal </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1i_185\" style=\"left:1032px;bottom:707px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1o_185\" style=\"left:1189px;bottom:707px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1f_185\" style=\"left:955px;bottom:694px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1j_185\" style=\"left:1033px;bottom:694px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1l_185\" style=\"left:1111px;bottom:694px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1p_185\" style=\"left:1189px;bottom:694px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1e_185\" style=\"left:654px;bottom:680px;letter-spacing:-0.08px;word-spacing:0.05px;display:inline;\">Employee Benefit Trust (\u2018EBT\u2019) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1g_185\" style=\"left:939px;bottom:680px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_185\" id=\"t1k_185\" style=\"left:1017px;bottom:680px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1m_185\" style=\"left:1095px;bottom:680px;letter-spacing:0.01px;display:inline;\">Number </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_185\" id=\"t1q_185\" style=\"left:1175px;bottom:680px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1r_185\" style=\"left:654px;bottom:659px;letter-spacing:-0.25px;display:inline;\">At 1 January </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1s_185\" style=\"left:933px;bottom:659px;letter-spacing:-0.25px;display:inline;\">434,809 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1t_185\" style=\"left:1042px;bottom:659px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1u_185\" style=\"left:1089px;bottom:659px;letter-spacing:-0.25px;display:inline;\">216,472 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1v_185\" style=\"left:1198px;bottom:659px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1w_185\" style=\"left:654px;bottom:640px;letter-spacing:-0.25px;display:inline;\">Shares acquired </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1x_185\" style=\"left:941px;bottom:640px;letter-spacing:-0.25px;display:inline;\">47,475 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1y_185\" style=\"left:1053px;bottom:640px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t1z_185\" style=\"left:1089px;bottom:640px;letter-spacing:-0.25px;display:inline;\">312,718 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t20_185\" style=\"left:1198px;bottom:640px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t21_185\" style=\"left:654px;bottom:620px;letter-spacing:-0.25px;display:inline;\">Shares disposed </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t22_185\" style=\"left:929px;bottom:620px;letter-spacing:-0.25px;display:inline;\">(100,801) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t23_185\" style=\"left:1053px;bottom:620px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t24_185\" style=\"left:1093px;bottom:620px;letter-spacing:-0.25px;display:inline;\">(94,381) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_185\" id=\"t25_185\" style=\"left:1209px;bottom:620px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t26_185\" style=\"left:654px;bottom:600px;letter-spacing:-0.27px;display:inline;\">At 31 December </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t27_185\" style=\"left:933px;bottom:600px;letter-spacing:-0.25px;display:inline;\">381,483 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t28_185\" style=\"left:1042px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t29_185\" style=\"left:1089px;bottom:600px;letter-spacing:-0.25px;display:inline;\">434,809 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2a_185\" style=\"left:1198px;bottom:600px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2b_185\" style=\"left:654px;bottom:581px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Market value (\u00a3million) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2c_185\" style=\"left:964px;bottom:581px;letter-spacing:-0.22px;display:inline;\">4.7 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2d_185\" style=\"left:1120px;bottom:581px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2e_185\" style=\"left:654px;bottom:561px;letter-spacing:-0.25px;display:inline;\">Accounting value (\u00a3million) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2f_185\" style=\"left:964px;bottom:561px;letter-spacing:-0.22px;display:inline;\">1.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2g_185\" style=\"left:1120px;bottom:561px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2h_185\" style=\"left:654px;bottom:541px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Percentage of called up share capital </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2i_185\" style=\"left:953px;bottom:541px;letter-spacing:-0.27px;display:inline;\">2.0% </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_185\" id=\"t2j_185\" style=\"left:1109px;bottom:541px;letter-spacing:-0.27px;display:inline;\">2.3% </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_185\" id=\"t2k_185\" style=\"left:654px;bottom:514px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">These shares are held in trust for the benefit of employees, who will be exercising their options </div><div class=\"t s4_185\" id=\"t2l_185\" style=\"left:654px;bottom:498px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">under the Group\u2019s share options schemes. The trustee\u2019s expenses are included in the operating </div><div class=\"t s4_185\" id=\"t2m_185\" style=\"left:654px;bottom:482px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expenses of the Group. The maximum number of shares held by the EBT during the year was </div><div class=\"t s4_185\" id=\"t2n_185\" style=\"left:654px;bottom:466px;letter-spacing:-0.38px;display:inline;\">480,382 (2024: 434,809), which had a nominal value of \u00a3192,000 (2024: \u00a3174,000). </div><div class=\"t s5_185\" id=\"t2o_185\" style=\"left:654px;bottom:449px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Shares were disposed of during the year for consideration of \u00a340,000 (2024: \u00a337,000). </div><div class=\"t s8_185\" id=\"t2p_185\" style=\"left:671px;bottom:410px;letter-spacing:-0.39px;display:inline;\"><span>Own shares accounting policy </span></div><div class=\"t s4_185\" id=\"t2q_185\" style=\"left:671px;bottom:389px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The EBT qualifies for \u2018look-through\u2019 accounting, under which the EBT is treated as, in </div><div class=\"t s4_185\" id=\"t2r_185\" style=\"left:671px;bottom:373px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">substance, an extension of the sponsoring entity, which is Secure Trust Bank PLC. Own shares </div><div class=\"t s4_185\" id=\"t2s_185\" style=\"left:671px;bottom:357px;letter-spacing:-0.43px;word-spacing:0.06px;display:inline;\">represent the shares of the parent Company, Secure Trust Bank PLC, that are held by the EBT. </div><span>Own shares are recorded at cost and deducted from equity.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00551": {
   "value": "<span>Own shares accounting policy </span><div class=\"t s4_185\" id=\"t2q_185\" style=\"left:671px;bottom:389px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The EBT qualifies for \u2018look-through\u2019 accounting, under which the EBT is treated as, in </div><div class=\"t s4_185\" id=\"t2r_185\" style=\"left:671px;bottom:373px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">substance, an extension of the sponsoring entity, which is Secure Trust Bank PLC. Own shares </div><div class=\"t s4_185\" id=\"t2s_185\" style=\"left:671px;bottom:357px;letter-spacing:-0.43px;word-spacing:0.06px;display:inline;\">represent the shares of the parent Company, Secure Trust Bank PLC, that are held by the EBT. </div><span>Own shares are recorded at cost and deducted from equity.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00373": {
   "value": "<span>36. Share-based payments </span><div class=\"t s4_185\" id=\"t2v_185\" style=\"left:654px;bottom:277px;letter-spacing:-0.39px;display:inline;\">At 31 December 2025 and 31 December 2024, the Group had four share-based payment schemes </div><div class=\"t s4_185\" id=\"t2w_185\" style=\"left:654px;bottom:261px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">in operation: </div><div class=\"t s4_185\" id=\"t2x_185\" style=\"left:654px;bottom:238px;letter-spacing:-0.5px;word-spacing:0.84px;display:inline;\">\u2022 2017 Long-Term Incentive Plan; </div><div class=\"t s4_185\" id=\"t2y_185\" style=\"left:654px;bottom:218px;letter-spacing:-0.41px;word-spacing:0.99px;display:inline;\">\u2022 2017 Sharesave Plan; </div><div class=\"t s4_185\" id=\"t2z_185\" style=\"left:654px;bottom:198px;letter-spacing:-0.39px;word-spacing:0.58px;display:inline;\">\u2022 2017 Deferred Bonus Plan; and </div><div class=\"t s4_185\" id=\"t30_185\" style=\"left:654px;bottom:177px;letter-spacing:-0.41px;word-spacing:0.75px;display:inline;\">\u2022 \u2018Phantom\u2019 Share Option Scheme. </div><div></div><div class=\"t s4_186\" id=\"t5_186\" style=\"left:65px;bottom:717px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">A summary of the movements in share options during the year is set out below: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t11_186\" style=\"left:991px;bottom:702px;letter-spacing:-0.05px;display:inline;\">Weighted </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t12_186\" style=\"left:1001px;bottom:688px;letter-spacing:-0.12px;display:inline;\">average </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1a_186\" style=\"left:1077px;bottom:688px;letter-spacing:-0.05px;display:inline;\">Weighted </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1i_186\" style=\"left:1164px;bottom:688px;letter-spacing:-0.05px;display:inline;\">Weighted </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t13_186\" style=\"left:990px;bottom:674px;letter-spacing:-0.02px;display:inline;\">remaining </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1b_186\" style=\"left:1088px;bottom:674px;letter-spacing:-0.12px;display:inline;\">average </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1j_186\" style=\"left:1175px;bottom:674px;letter-spacing:-0.12px;display:inline;\">average </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tf_186\" style=\"left:593px;bottom:660px;letter-spacing:-0.08px;display:inline;\">Forfeited, </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t14_186\" style=\"left:963px;bottom:660px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">contractual life </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1c_186\" style=\"left:1057px;bottom:660px;letter-spacing:-0.09px;word-spacing:0.06px;display:inline;\">exercise price </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1k_186\" style=\"left:1144px;bottom:660px;letter-spacing:-0.09px;word-spacing:0.06px;display:inline;\">exercise price </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t6_186\" style=\"left:422px;bottom:647px;letter-spacing:-0.02px;display:inline;\">Outstanding </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tg_186\" style=\"left:588px;bottom:647px;letter-spacing:-0.03px;display:inline;\">lapsed and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tp_186\" style=\"left:734px;bottom:647px;letter-spacing:-0.02px;display:inline;\">Outstanding </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tu_186\" style=\"left:820px;bottom:647px;letter-spacing:-0.12px;word-spacing:0.09px;display:inline;\">Vested and </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t15_186\" style=\"left:990px;bottom:647px;letter-spacing:-0.03px;display:inline;\">of options </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1d_186\" style=\"left:1077px;bottom:647px;letter-spacing:-0.03px;display:inline;\">of options </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1l_186\" style=\"left:1163px;bottom:647px;letter-spacing:-0.03px;display:inline;\">of options </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t7_186\" style=\"left:478px;bottom:633px;letter-spacing:-0.06px;display:inline;\">at </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tb_186\" style=\"left:523px;bottom:633px;letter-spacing:-0.05px;display:inline;\">Granted </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"th_186\" style=\"left:595px;bottom:633px;letter-spacing:-0.03px;display:inline;\">cancelled </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tl_186\" style=\"left:671px;bottom:633px;letter-spacing:-0.07px;display:inline;\">Exercised </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_186\" id=\"tq_186\" style=\"left:790px;bottom:633px;letter-spacing:-0.06px;display:inline;\">at </div></td><td colspan=\"1\" rowspan=\"1\"> <div class=\"t s5_186\" id=\"tv_186\" style=\"left:806px;bottom:633px;letter-spacing:-0.09px;word-spacing:0.06px;display:inline;\">exercisable at </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t16_186\" style=\"left:966px;bottom:633px;letter-spacing:-0.03px;display:inline;\">outstanding at </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1e_186\" style=\"left:1053px;bottom:633px;letter-spacing:-0.03px;display:inline;\">outstanding at </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1m_186\" style=\"left:1139px;bottom:633px;letter-spacing:-0.03px;display:inline;\">outstanding at </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t8_186\" style=\"left:437px;bottom:619px;letter-spacing:-0.03px;display:inline;\">1 January </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tc_186\" style=\"left:532px;bottom:619px;letter-spacing:-0.03px;display:inline;\">during </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"ti_186\" style=\"left:610px;bottom:619px;letter-spacing:-0.03px;display:inline;\">during </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tm_186\" style=\"left:688px;bottom:619px;letter-spacing:-0.03px;display:inline;\">during </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tr_186\" style=\"left:729px;bottom:619px;letter-spacing:-0.01px;display:inline;\">31 December </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tw_186\" style=\"left:807px;bottom:619px;letter-spacing:-0.01px;display:inline;\">31 December </div></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t17_186\" style=\"left:972px;bottom:619px;letter-spacing:-0.01px;display:inline;\">31 December </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1f_186\" style=\"left:1058px;bottom:619px;letter-spacing:-0.01px;display:inline;\">31 December </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1n_186\" style=\"left:1145px;bottom:619px;letter-spacing:-0.01px;display:inline;\">31 December </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t9_186\" style=\"left:461px;bottom:605px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"td_186\" style=\"left:523px;bottom:605px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">the year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tj_186\" style=\"left:601px;bottom:605px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">the year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tn_186\" style=\"left:679px;bottom:605px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">the year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"ts_186\" style=\"left:773px;bottom:605px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tx_186\" style=\"left:851px;bottom:605px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tz_186\" style=\"left:917px;bottom:605px;letter-spacing:-0.14px;display:inline;\">Vesting </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t18_186\" style=\"left:1016px;bottom:605px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1g_186\" style=\"left:1102px;bottom:605px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1o_186\" style=\"left:1189px;bottom:605px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"ta_186\" style=\"left:445px;bottom:592px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"te_186\" style=\"left:523px;bottom:592px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tk_186\" style=\"left:601px;bottom:592px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"to_186\" style=\"left:679px;bottom:592px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"tt_186\" style=\"left:757px;bottom:592px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"ty_186\" style=\"left:835px;bottom:592px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t10_186\" style=\"left:928px;bottom:592px;letter-spacing:-0.02px;display:inline;\">dates </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t19_186\" style=\"left:1014px;bottom:592px;letter-spacing:-0.26px;display:inline;\">Years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1h_186\" style=\"left:1123px;bottom:592px;display:inline;\">\u00a3 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t1p_186\" style=\"left:1210px;bottom:592px;display:inline;\">\u00a3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t1q_186\" style=\"left:65px;bottom:571px;letter-spacing:-0.25px;display:inline;\">Equity settled </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_186\" id=\"t1r_186\" style=\"left:65px;bottom:552px;letter-spacing:-0.38px;word-spacing:0.17px;display:inline;\">2017 Long-Term Incentive Plan </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t1s_186\" style=\"left:439px;bottom:552px;letter-spacing:-0.25px;display:inline;\">892,621 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t1t_186\" style=\"left:517px;bottom:552px;letter-spacing:-0.25px;display:inline;\">685,332 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t1u_186\" style=\"left:591px;bottom:552px;letter-spacing:-0.25px;display:inline;\">(283,660) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t1v_186\" style=\"left:677px;bottom:552px;letter-spacing:-0.25px;display:inline;\">(60,373) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t1w_186\" style=\"left:740px;bottom:552px;letter-spacing:-0.25px;display:inline;\">1,233,920 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t1x_186\" style=\"left:845px;bottom:552px;letter-spacing:-0.24px;display:inline;\">7,236 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t1y_186\" style=\"left:890px;bottom:552px;letter-spacing:-0.27px;display:inline;\">2026-2030 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t1z_186\" style=\"left:1025px;bottom:552px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t20_186\" style=\"left:1104px;bottom:552px;letter-spacing:-0.26px;display:inline;\">0.21 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t21_186\" style=\"left:1191px;bottom:552px;letter-spacing:-0.26px;display:inline;\">0.40 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t22_186\" style=\"left:65px;bottom:532px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">2017 Sharesave Plan </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t23_186\" style=\"left:439px;bottom:532px;letter-spacing:-0.25px;display:inline;\">416,500 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t24_186\" style=\"left:525px;bottom:532px;letter-spacing:-0.25px;display:inline;\">73,931 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t25_186\" style=\"left:599px;bottom:532px;letter-spacing:-0.25px;display:inline;\">(94,069) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t26_186\" style=\"left:677px;bottom:532px;letter-spacing:-0.25px;display:inline;\">(22,452) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t27_186\" style=\"left:751px;bottom:532px;letter-spacing:-0.25px;display:inline;\">373,910 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t28_186\" style=\"left:837px;bottom:532px;letter-spacing:-0.25px;display:inline;\">33,980 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t29_186\" style=\"left:890px;bottom:532px;letter-spacing:-0.27px;display:inline;\">2026-2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2a_186\" style=\"left:1025px;bottom:532px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2b_186\" style=\"left:1104px;bottom:532px;letter-spacing:-0.26px;display:inline;\">6.61 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2c_186\" style=\"left:1191px;bottom:532px;letter-spacing:-0.26px;display:inline;\">6.27 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2d_186\" style=\"left:65px;bottom:512px;letter-spacing:-0.26px;display:inline;\">2017 Deferred Bonus Plan </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2e_186\" style=\"left:447px;bottom:512px;letter-spacing:-0.25px;display:inline;\">85,924 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2f_186\" style=\"left:525px;bottom:512px;letter-spacing:-0.25px;display:inline;\">24,714 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2g_186\" style=\"left:638px;bottom:512px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2h_186\" style=\"left:677px;bottom:512px;letter-spacing:-0.25px;display:inline;\">(43,644) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2i_186\" style=\"left:759px;bottom:512px;letter-spacing:-0.25px;display:inline;\">66,994 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2j_186\" style=\"left:855px;bottom:512px;letter-spacing:-0.24px;display:inline;\">180 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2k_186\" style=\"left:890px;bottom:512px;letter-spacing:-0.27px;display:inline;\">2026-2028 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2l_186\" style=\"left:1025px;bottom:512px;letter-spacing:-0.25px;display:inline;\">1.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2m_186\" style=\"left:1104px;bottom:512px;letter-spacing:-0.26px;display:inline;\">0.25 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2n_186\" style=\"left:1191px;bottom:512px;letter-spacing:-0.26px;display:inline;\">0.40 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2o_186\" style=\"left:428px;bottom:492px;letter-spacing:-0.25px;display:inline;\">1,395,045 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2p_186\" style=\"left:517px;bottom:492px;letter-spacing:-0.25px;display:inline;\">783,977 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2q_186\" style=\"left:591px;bottom:492px;letter-spacing:-0.25px;display:inline;\">(377,729) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2r_186\" style=\"left:669px;bottom:492px;letter-spacing:-0.25px;display:inline;\">(126,469) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2s_186\" style=\"left:740px;bottom:492px;letter-spacing:-0.25px;display:inline;\">1,674,824 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2t_186\" style=\"left:837px;bottom:492px;letter-spacing:-0.25px;display:inline;\">41,396 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2u_186\" style=\"left:1025px;bottom:492px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2v_186\" style=\"left:1104px;bottom:492px;letter-spacing:-0.26px;display:inline;\">1.64 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2w_186\" style=\"left:1190px;bottom:492px;letter-spacing:-0.26px;display:inline;\">2.14 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t2x_186\" style=\"left:65px;bottom:473px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Weighted average exercise price </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2y_186\" style=\"left:463px;bottom:473px;letter-spacing:-0.23px;display:inline;\">2.15 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t2z_186\" style=\"left:541px;bottom:473px;letter-spacing:-0.23px;display:inline;\">0.86 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t30_186\" style=\"left:619px;bottom:473px;letter-spacing:-0.23px;display:inline;\">1.92 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t31_186\" style=\"left:697px;bottom:473px;letter-spacing:-0.23px;display:inline;\">1.67 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t32_186\" style=\"left:775px;bottom:473px;letter-spacing:-0.23px;display:inline;\">1.64 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t33_186\" style=\"left:853px;bottom:473px;letter-spacing:-0.23px;display:inline;\">5.72 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t34_186\" style=\"left:65px;bottom:433px;letter-spacing:-0.25px;display:inline;\">Cash settled </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t35_186\" style=\"left:65px;bottom:413px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">\u2018Phantom\u2019 share option scheme </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t36_186\" style=\"left:447px;bottom:413px;letter-spacing:-0.25px;display:inline;\">38,000 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t37_186\" style=\"left:560px;bottom:413px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t38_186\" style=\"left:599px;bottom:413px;letter-spacing:-0.24px;display:inline;\">(38,000) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t39_186\" style=\"left:716px;bottom:413px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3a_186\" style=\"left:794px;bottom:413px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3b_186\" style=\"left:871px;bottom:413px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3c_186\" style=\"left:926px;bottom:413px;letter-spacing:-0.28px;display:inline;\">2019 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3d_186\" style=\"left:1036px;bottom:413px;display:inline;\">\u2013 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3e_186\" style=\"left:1123px;bottom:413px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3f_186\" style=\"left:1183px;bottom:413px;letter-spacing:-0.26px;display:inline;\">25.00 </div></td></tr>\n                                        </table>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t3g_186\" style=\"left:923px;bottom:389px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t3j_186\" style=\"left:1010px;bottom:389px;display:inline;\">Group </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t3m_186\" style=\"left:1079px;bottom:389px;letter-spacing:-0.02px;display:inline;\">Company </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t3p_186\" style=\"left:1167px;bottom:389px;letter-spacing:-0.02px;display:inline;\">Company </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t3h_186\" style=\"left:929px;bottom:375px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t3k_186\" style=\"left:1016px;bottom:375px;display:inline;\">2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t3n_186\" style=\"left:1102px;bottom:375px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t3q_186\" style=\"left:1189px;bottom:375px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t3i_186\" style=\"left:913px;bottom:361px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t3l_186\" style=\"left:1001px;bottom:361px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t3o_186\" style=\"left:1087px;bottom:361px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t3r_186\" style=\"left:1175px;bottom:361px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_186\" id=\"t3s_186\" style=\"left:65px;bottom:341px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Expense incurred in relation to share-based payments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t3t_186\" style=\"left:938px;bottom:341px;letter-spacing:-0.25px;display:inline;\">2.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3u_186\" style=\"left:1025px;bottom:341px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t3v_186\" style=\"left:1112px;bottom:341px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t3w_186\" style=\"left:1198px;bottom:341px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td></tr>\n                                        </table>\n<div class=\"t s9_186\" id=\"t3x_186\" style=\"left:65px;bottom:302px;letter-spacing:-0.33px;word-spacing:0.14px;display:inline;\">36.1. Long-Term Incentive Plan (\u2018LTIP\u2019) </div>\n<div class=\"t s4_186\" id=\"t3y_186\" style=\"left:65px;bottom:282px;letter-spacing:-0.42px;word-spacing:0.04px;display:inline;\">The LTIP was established on 3 May 2017. During the year, a number of awards were made to </div>\n<div class=\"t s4_186\" id=\"t3z_186\" style=\"left:65px;bottom:266px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">participants, as set out below. </div>\n<div class=\"t sa_186\" id=\"t40_186\" style=\"left:65px;bottom:243px;letter-spacing:-0.43px;word-spacing:0.05px;display:inline;\">36.1.1. LTIP Restricted share award </div>\n<div class=\"t s4_186\" id=\"t41_186\" style=\"left:65px;bottom:223px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">During the year, 46,483 (2024: 114,281) options were awarded that were not subject to any </div>\n<div class=\"t s4_186\" id=\"t42_186\" style=\"left:65px;bottom:207px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">performance conditions. The awards will vest three years from the date of grant. The original grant </div>\n<div class=\"t s4_186\" id=\"t43_186\" style=\"left:65px;bottom:191px;letter-spacing:-0.38px;display:inline;\">date valuation was determined using a Black\u2013Scholes model. Measurement inputs and assumptions </div>\n<div class=\"t s4_186\" id=\"t44_186\" style=\"left:65px;bottom:175px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">used for the grant date valuation were as follows: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t45_186\" style=\"left:1090px;bottom:301px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t47_186\" style=\"left:1169px;bottom:301px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_186\" id=\"t46_186\" style=\"left:1074px;bottom:288px;letter-spacing:-0.01px;display:inline;\">during 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_186\" id=\"t48_186\" style=\"left:1153px;bottom:288px;letter-spacing:-0.02px;display:inline;\">during 2024 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t49_186\" style=\"left:654px;bottom:267px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Share price at grant date </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4a_186\" style=\"left:1105px;bottom:267px;letter-spacing:-0.26px;display:inline;\">\u00a36.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4b_186\" style=\"left:1183px;bottom:267px;letter-spacing:-0.26px;display:inline;\">\u00a36.90 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4c_186\" style=\"left:654px;bottom:247px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exercise price </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4d_186\" style=\"left:1131px;bottom:247px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4e_186\" style=\"left:1183px;bottom:247px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4f_186\" style=\"left:654px;bottom:228px;letter-spacing:-0.25px;display:inline;\">Expected dividend yield </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4g_186\" style=\"left:1106px;bottom:228px;letter-spacing:-0.27px;display:inline;\">6.68% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4h_186\" style=\"left:1184px;bottom:228px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4i_186\" style=\"left:654px;bottom:208px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Expected stock price volatility </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4j_186\" style=\"left:1098px;bottom:208px;letter-spacing:-0.27px;display:inline;\">47.86% </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4k_186\" style=\"left:1176px;bottom:208px;letter-spacing:-0.27px;display:inline;\">36.72% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4l_186\" style=\"left:654px;bottom:188px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Risk free interest rate </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4m_186\" style=\"left:1106px;bottom:188px;letter-spacing:-0.27px;display:inline;\">4.22% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4n_186\" style=\"left:1184px;bottom:188px;letter-spacing:-0.27px;display:inline;\">4.35% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4o_186\" style=\"left:654px;bottom:168px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Average expected life (years) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4p_186\" style=\"left:1113px;bottom:168px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_186\" id=\"t4q_186\" style=\"left:1191px;bottom:168px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t4r_186\" style=\"left:654px;bottom:149px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Original grant date valuation </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t4s_186\" style=\"left:1105px;bottom:149px;letter-spacing:-0.26px;display:inline;\">\u00a34.91 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_186\" id=\"t4t_186\" style=\"left:1182px;bottom:149px;letter-spacing:-0.26px;display:inline;\">\u00a35.57 </div></td></tr>\n                                        </table><div></div><div class=\"t s4_187\" id=\"t5_187\" style=\"left:65px;bottom:717px;letter-spacing:-0.5px;word-spacing:0.12px;display:inline;\">36.1.2. LTIP </div>\n<div class=\"t s5_187\" id=\"t6_187\" style=\"left:65px;bottom:697px;letter-spacing:-0.5px;word-spacing:0.01px;display:inline;\">During the year, 638,849 (2024: 308,830) options were awarded that are subject to four performance </div>\n<div class=\"t s5_187\" id=\"t7_187\" style=\"left:65px;bottom:681px;letter-spacing:-0.38px;display:inline;\">conditions. Details of the performance conditions can be found on pages 107 and 108. </div>\n<div class=\"t s5_187\" id=\"t8_187\" style=\"left:65px;bottom:658px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The awards have a performance term of three years. The awards will vest on the date on which the </div>\n<div class=\"t s5_187\" id=\"t9_187\" style=\"left:65px;bottom:642px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Board determines that these conditions have been met. </div>\n<div class=\"t s5_187\" id=\"ta_187\" style=\"left:65px;bottom:620px;letter-spacing:-0.38px;display:inline;\">The original grant date valuation was determined using a Black-Scholes model for the return on </div>\n<div class=\"t s5_187\" id=\"tb_187\" style=\"left:65px;bottom:604px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">average equity, earnings per share and risk management tranches (modified for probability of </div>\n<div class=\"t s5_187\" id=\"tc_187\" style=\"left:65px;bottom:588px;letter-spacing:-0.38px;display:inline;\">outturn), and a Monte Carlo model for the total shareholder return tranche. Measurement inputs </div>\n<div class=\"t s5_187\" id=\"td_187\" style=\"left:65px;bottom:572px;letter-spacing:-0.38px;display:inline;\">and assumptions used for the grant date valuation were as follows: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"ti_187\" style=\"left:346px;bottom:552px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tn_187\" style=\"left:418px;bottom:552px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"te_187\" style=\"left:276px;bottom:538px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_187\" id=\"tj_187\" style=\"left:331px;bottom:538px;letter-spacing:-0.01px;word-spacing:-0.7px;display:inline;\">during 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_187\" id=\"to_187\" style=\"left:402px;bottom:538px;letter-spacing:-0.01px;word-spacing:-0.7px;display:inline;\">during 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"ts_187\" style=\"left:498px;bottom:538px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"tw_187\" style=\"left:582px;bottom:538px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_187\" id=\"tf_187\" style=\"left:260px;bottom:524px;letter-spacing:-0.01px;word-spacing:-0.7px;display:inline;\">during 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tk_187\" style=\"left:347px;bottom:524px;letter-spacing:-0.2px;word-spacing:0.18px;display:inline;\">Two year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tp_187\" style=\"left:419px;bottom:524px;letter-spacing:-0.2px;word-spacing:0.18px;display:inline;\">Two year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_187\" id=\"tt_187\" style=\"left:482px;bottom:524px;letter-spacing:-0.02px;display:inline;\">during 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_187\" id=\"tx_187\" style=\"left:566px;bottom:524px;letter-spacing:-0.02px;display:inline;\">during 2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tg_187\" style=\"left:267px;bottom:510px;letter-spacing:-0.03px;display:inline;\">No holding </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tl_187\" style=\"left:356px;bottom:510px;letter-spacing:-0.02px;display:inline;\">holding </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tq_187\" style=\"left:427px;bottom:510px;letter-spacing:-0.02px;display:inline;\">holding </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"tu_187\" style=\"left:489px;bottom:510px;letter-spacing:-0.03px;display:inline;\">No holding </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"ty_187\" style=\"left:582px;bottom:510px;letter-spacing:-0.2px;word-spacing:0.17px;display:inline;\">Two year </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"th_187\" style=\"left:290px;bottom:497px;letter-spacing:-0.02px;display:inline;\">period </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tm_187\" style=\"left:361px;bottom:497px;letter-spacing:-0.02px;display:inline;\">period </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"tr_187\" style=\"left:432px;bottom:497px;letter-spacing:-0.02px;display:inline;\">period </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"tv_187\" style=\"left:512px;bottom:497px;letter-spacing:-0.02px;display:inline;\">period </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"tz_187\" style=\"left:555px;bottom:497px;letter-spacing:-0.02px;display:inline;\">holding period </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t10_187\" style=\"left:65px;bottom:476px;letter-spacing:-0.26px;display:inline;\">Number of shares </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t11_187\" style=\"left:275px;bottom:476px;letter-spacing:-0.27px;display:inline;\">131,226 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t12_187\" style=\"left:346px;bottom:476px;letter-spacing:-0.27px;display:inline;\">215,776 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t13_187\" style=\"left:425px;bottom:476px;letter-spacing:-0.27px;display:inline;\">66,141 </div></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t14_187\" style=\"left:496px;bottom:476px;letter-spacing:-0.27px;display:inline;\">136,895 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t15_187\" style=\"left:580px;bottom:476px;letter-spacing:-0.27px;display:inline;\">171,935 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t16_187\" style=\"left:65px;bottom:457px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Share price at grant date </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t17_187\" style=\"left:291px;bottom:457px;letter-spacing:-0.26px;display:inline;\">\u00a36.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t18_187\" style=\"left:362px;bottom:457px;letter-spacing:-0.26px;display:inline;\">\u00a36.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t19_187\" style=\"left:425px;bottom:457px;letter-spacing:-0.27px;display:inline;\">\u00a310.35 </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1a_187\" style=\"left:512px;bottom:457px;letter-spacing:-0.26px;display:inline;\">\u00a36.90 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1b_187\" style=\"left:596px;bottom:457px;letter-spacing:-0.26px;display:inline;\">\u00a36.90 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1c_187\" style=\"left:65px;bottom:437px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exercise price </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1d_187\" style=\"left:291px;bottom:437px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1e_187\" style=\"left:362px;bottom:437px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1f_187\" style=\"left:433px;bottom:437px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1g_187\" style=\"left:512px;bottom:437px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1h_187\" style=\"left:596px;bottom:437px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1i_187\" style=\"left:65px;bottom:417px;letter-spacing:-0.25px;display:inline;\">Expected dividend yield </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1j_187\" style=\"left:292px;bottom:417px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1k_187\" style=\"left:363px;bottom:417px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1l_187\" style=\"left:434px;bottom:417px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1m_187\" style=\"left:509px;bottom:417px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1n_187\" style=\"left:593px;bottom:417px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1o_187\" style=\"left:65px;bottom:397px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Expected stock price volatility </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1p_187\" style=\"left:284px;bottom:397px;letter-spacing:-0.27px;display:inline;\">45.00% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1q_187\" style=\"left:355px;bottom:397px;letter-spacing:-0.27px;display:inline;\">45.00% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1r_187\" style=\"left:426px;bottom:397px;letter-spacing:-0.27px;display:inline;\">45.00% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1s_187\" style=\"left:501px;bottom:397px;letter-spacing:-0.27px;display:inline;\">35.00% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1t_187\" style=\"left:585px;bottom:397px;letter-spacing:-0.27px;display:inline;\">35.00% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1u_187\" style=\"left:65px;bottom:378px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Risk free interest rate </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1v_187\" style=\"left:292px;bottom:378px;letter-spacing:-0.27px;display:inline;\">4.30% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1w_187\" style=\"left:363px;bottom:378px;letter-spacing:-0.27px;display:inline;\">4.28% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1x_187\" style=\"left:434px;bottom:378px;letter-spacing:-0.27px;display:inline;\">3.97% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1y_187\" style=\"left:509px;bottom:378px;letter-spacing:-0.27px;display:inline;\">4.51% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t1z_187\" style=\"left:593px;bottom:378px;letter-spacing:-0.27px;display:inline;\">4.19% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t20_187\" style=\"left:65px;bottom:358px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Average expected life (years) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t21_187\" style=\"left:299px;bottom:358px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t22_187\" style=\"left:370px;bottom:358px;letter-spacing:-0.26px;display:inline;\">5.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t23_187\" style=\"left:441px;bottom:358px;letter-spacing:-0.26px;display:inline;\">5.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t24_187\" style=\"left:520px;bottom:358px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t25_187\" style=\"left:603px;bottom:358px;letter-spacing:-0.26px;display:inline;\">5.00 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t26_187\" style=\"left:65px;bottom:338px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Original grant date valuation </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t27_187\" style=\"left:291px;bottom:338px;letter-spacing:-0.26px;display:inline;\">\u00a34.04 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t28_187\" style=\"left:362px;bottom:338px;letter-spacing:-0.26px;display:inline;\">\u00a34.47 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t29_187\" style=\"left:433px;bottom:338px;letter-spacing:-0.26px;display:inline;\">\u00a37.72 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t2a_187\" style=\"left:512px;bottom:338px;letter-spacing:-0.26px;display:inline;\">\u00a34.40 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t2b_187\" style=\"left:595px;bottom:338px;letter-spacing:-0.26px;display:inline;\">\u00a33.95 </div></td></tr>\n                                        </table>\n<div class=\"t sb_187\" id=\"t2c_187\" style=\"left:65px;bottom:309px;letter-spacing:-0.22px;word-spacing:0.04px;display:inline;\">36.2. Sharesave Plan </div>\n<div class=\"t s5_187\" id=\"t2d_187\" style=\"left:65px;bottom:289px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Sharesave Plan was established on 3 May 2017. This plan allows all employees to save for </div>\n<div class=\"t sc_187\" id=\"t2e_187\" style=\"left:65px;bottom:273px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">three years, subject to a maximum monthly amount of \u00a3250 (2024: \u00a3250), with a maximum savings </div>\n<div class=\"t s5_187\" id=\"t2f_187\" style=\"left:65px;bottom:257px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">amount across all schemes of \u00a3500, and the option to buy shares in Secure Trust Bank PLC when the </div>\n<div class=\"t s5_187\" id=\"t2g_187\" style=\"left:65px;bottom:241px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">plan matures. Participants cannot change the amount that they have agreed to save each month, but </div>\n<div class=\"t s5_187\" id=\"t2h_187\" style=\"left:65px;bottom:225px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">they can suspend payments for up to twelve months. Participants can withdraw their savings at any </div>\n<div class=\"t s5_187\" id=\"t2i_187\" style=\"left:65px;bottom:209px;letter-spacing:-0.38px;display:inline;\">time but, if they do this before the completion date, they lose the option to buy shares at the Option </div>\n<div class=\"t s5_187\" id=\"t2j_187\" style=\"left:65px;bottom:193px;letter-spacing:-0.38px;display:inline;\">Price, and in most circumstances if participants cease to hold plan-related employment before the </div>\n<div class=\"t s5_187\" id=\"t2k_187\" style=\"left:65px;bottom:177px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">third anniversary of the grant date, then the options are also lost. The options ordinarily vest </div>\n<div class=\"t s5_187\" id=\"t2l_187\" style=\"left:65px;bottom:160px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">approximately three years after grant date and are exercisable for a period of six months </div>\n<div class=\"t sc_187\" id=\"t2m_187\" style=\"left:65px;bottom:144px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">following vesting. </div>\n<div class=\"t s5_187\" id=\"t2n_187\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">The original grant date valuation was determined using a Black\u2013Scholes model. </div>\n<div class=\"t s5_187\" id=\"t2o_187\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;display:inline;\">Measurement inputs and assumptions used were as follows: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t2p_187\" style=\"left:1090px;bottom:704px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_187\" id=\"t2r_187\" style=\"left:1169px;bottom:704px;letter-spacing:-0.01px;display:inline;\">Awarded </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_187\" id=\"t2q_187\" style=\"left:1074px;bottom:690px;letter-spacing:-0.01px;word-spacing:-0.7px;display:inline;\">during 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_187\" id=\"t2s_187\" style=\"left:1153px;bottom:690px;letter-spacing:-0.02px;display:inline;\">during 2024 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2t_187\" style=\"left:654px;bottom:670px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Share price at grant date </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2u_187\" style=\"left:1097px;bottom:670px;letter-spacing:-0.27px;display:inline;\">\u00a311.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2v_187\" style=\"left:1183px;bottom:670px;letter-spacing:-0.26px;display:inline;\">\u00a38.14 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2w_187\" style=\"left:654px;bottom:650px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exercise price </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2x_187\" style=\"left:1105px;bottom:650px;letter-spacing:-0.26px;display:inline;\">\u00a39.08 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2y_187\" style=\"left:1183px;bottom:650px;letter-spacing:-0.26px;display:inline;\">\u00a36.99 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t2z_187\" style=\"left:654px;bottom:631px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Expected stock price volatility </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t30_187\" style=\"left:1098px;bottom:631px;letter-spacing:-0.27px;display:inline;\">47.62% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t31_187\" style=\"left:1176px;bottom:631px;letter-spacing:-0.27px;display:inline;\">37.22% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t32_187\" style=\"left:654px;bottom:611px;letter-spacing:-0.25px;display:inline;\">Expected dividend yield </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t33_187\" style=\"left:1106px;bottom:611px;letter-spacing:-0.27px;display:inline;\">6.68% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t34_187\" style=\"left:1184px;bottom:611px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t35_187\" style=\"left:654px;bottom:591px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Risk free interest rate </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t36_187\" style=\"left:1106px;bottom:591px;letter-spacing:-0.27px;display:inline;\">4.02% </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t37_187\" style=\"left:1184px;bottom:591px;letter-spacing:-0.27px;display:inline;\">3.75% </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t38_187\" style=\"left:654px;bottom:571px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Average expected life (years) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t39_187\" style=\"left:1113px;bottom:571px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t3a_187\" style=\"left:1191px;bottom:571px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t3b_187\" style=\"left:654px;bottom:552px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Original grant date valuation </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t3c_187\" style=\"left:1105px;bottom:552px;letter-spacing:-0.26px;display:inline;\">\u00a33.23 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t3d_187\" style=\"left:1182px;bottom:552px;letter-spacing:-0.26px;display:inline;\">\u00a32.07 </div></td></tr>\n                                        </table>\n<div class=\"t sb_187\" id=\"t3e_187\" style=\"left:654px;bottom:522px;letter-spacing:-0.18px;display:inline;\">36.3. Deferred Bonus Plan </div>\n<div class=\"t s5_187\" id=\"t3f_187\" style=\"left:654px;bottom:502px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Deferred Bonus Plan was established on 3 May 2017. In 2025 and 2024, awards were granted </div>\n<div class=\"t s5_187\" id=\"t3g_187\" style=\"left:654px;bottom:486px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to certain senior managers of the Group. The awards vest in three equal tranches after one, two and </div>\n<div class=\"t s5_187\" id=\"t3h_187\" style=\"left:654px;bottom:470px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">three years following deferral. Accordingly, the following awards remain outstanding under the </div>\n<div class=\"t sc_187\" id=\"t3i_187\" style=\"left:654px;bottom:454px;letter-spacing:-0.38px;display:inline;\">plan, entitling the members of the scheme to purchase shares in the Company: </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3j_187\" style=\"left:942px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Awards </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3o_187\" style=\"left:1020px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Awards </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3t_187\" style=\"left:1098px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Awards </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3k_187\" style=\"left:941px;bottom:420px;letter-spacing:-0.06px;display:inline;\">granted </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3p_187\" style=\"left:1019px;bottom:420px;letter-spacing:-0.06px;display:inline;\">granted </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3u_187\" style=\"left:1097px;bottom:420px;letter-spacing:-0.06px;display:inline;\">granted </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3l_187\" style=\"left:914px;bottom:407px;letter-spacing:-0.1px;word-spacing:0.07px;display:inline;\">Vesting after </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3q_187\" style=\"left:992px;bottom:407px;letter-spacing:-0.1px;word-spacing:0.07px;display:inline;\">Vesting after </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3v_187\" style=\"left:1070px;bottom:407px;letter-spacing:-0.1px;word-spacing:0.07px;display:inline;\">Vesting after </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3y_187\" style=\"left:1175px;bottom:407px;letter-spacing:-0.01px;display:inline;\">Awards </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3m_187\" style=\"left:937px;bottom:393px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3r_187\" style=\"left:1009px;bottom:393px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">two years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3w_187\" style=\"left:1079px;bottom:393px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">three years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3z_187\" style=\"left:1175px;bottom:393px;letter-spacing:-0.06px;display:inline;\">granted </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3n_187\" style=\"left:939px;bottom:379px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3s_187\" style=\"left:1017px;bottom:379px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t3x_187\" style=\"left:1095px;bottom:379px;letter-spacing:0.01px;display:inline;\">Number </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_187\" id=\"t40_187\" style=\"left:1190px;bottom:379px;letter-spacing:-0.34px;display:inline;\">Total </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t41_187\" style=\"left:654px;bottom:359px;letter-spacing:-0.25px;display:inline;\">At 1 January 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t42_187\" style=\"left:941px;bottom:359px;letter-spacing:-0.27px;display:inline;\">25,693 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t43_187\" style=\"left:1019px;bottom:359px;letter-spacing:-0.27px;display:inline;\">30,434 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t44_187\" style=\"left:1097px;bottom:359px;letter-spacing:-0.27px;display:inline;\">32,406 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t45_187\" style=\"left:1175px;bottom:359px;letter-spacing:-0.27px;display:inline;\">88,533 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t46_187\" style=\"left:654px;bottom:339px;letter-spacing:-0.31px;display:inline;\">Granted </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t47_187\" style=\"left:941px;bottom:339px;letter-spacing:-0.27px;display:inline;\">14,385 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t48_187\" style=\"left:1019px;bottom:339px;letter-spacing:-0.27px;display:inline;\">14,385 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t49_187\" style=\"left:1097px;bottom:339px;letter-spacing:-0.27px;display:inline;\">14,392 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4a_187\" style=\"left:1175px;bottom:339px;letter-spacing:-0.27px;display:inline;\">43,162 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4b_187\" style=\"left:654px;bottom:319px;letter-spacing:-0.3px;display:inline;\">Exercised </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4c_187\" style=\"left:937px;bottom:319px;letter-spacing:-0.25px;display:inline;\">(23,295) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4d_187\" style=\"left:1015px;bottom:319px;letter-spacing:-0.25px;display:inline;\">(16,179) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4e_187\" style=\"left:1101px;bottom:319px;letter-spacing:-0.25px;display:inline;\">(6,297) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4f_187\" style=\"left:1171px;bottom:319px;letter-spacing:-0.25px;display:inline;\">(45,771) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4g_187\" style=\"left:654px;bottom:300px;letter-spacing:-0.26px;display:inline;\">At 31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4h_187\" style=\"left:941px;bottom:300px;letter-spacing:-0.27px;display:inline;\">16,783 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4i_187\" style=\"left:1019px;bottom:300px;letter-spacing:-0.27px;display:inline;\">28,640 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4j_187\" style=\"left:1097px;bottom:300px;letter-spacing:-0.27px;display:inline;\">40,501 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4k_187\" style=\"left:1175px;bottom:300px;letter-spacing:-0.27px;display:inline;\">85,924 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4l_187\" style=\"left:654px;bottom:280px;letter-spacing:-0.31px;display:inline;\">Granted </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4m_187\" style=\"left:949px;bottom:280px;letter-spacing:-0.24px;display:inline;\">8,236 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4n_187\" style=\"left:1027px;bottom:280px;letter-spacing:-0.24px;display:inline;\">8,236 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4o_187\" style=\"left:1105px;bottom:280px;letter-spacing:-0.24px;display:inline;\">8,242 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4p_187\" style=\"left:1175px;bottom:280px;letter-spacing:-0.25px;display:inline;\">24,714 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4q_187\" style=\"left:654px;bottom:260px;letter-spacing:-0.3px;display:inline;\">Exercised </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4r_187\" style=\"left:937px;bottom:260px;letter-spacing:-0.25px;display:inline;\">(16,603) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4s_187\" style=\"left:1015px;bottom:260px;letter-spacing:-0.25px;display:inline;\">(14,255) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4t_187\" style=\"left:1093px;bottom:260px;letter-spacing:-0.25px;display:inline;\">(12,786) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t4u_187\" style=\"left:1171px;bottom:260px;letter-spacing:-0.25px;display:inline;\">(43,644) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4v_187\" style=\"left:654px;bottom:241px;letter-spacing:-0.26px;display:inline;\">At 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4w_187\" style=\"left:949px;bottom:241px;letter-spacing:-0.24px;display:inline;\">8,416 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4x_187\" style=\"left:1019px;bottom:241px;letter-spacing:-0.25px;display:inline;\">22,621 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4y_187\" style=\"left:1097px;bottom:241px;letter-spacing:-0.25px;display:inline;\">35,957 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_187\" id=\"t4z_187\" style=\"left:1175px;bottom:241px;letter-spacing:-0.25px;display:inline;\">66,994 </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t50_187\" style=\"left:654px;bottom:221px;letter-spacing:-0.33px;word-spacing:0.09px;display:inline;\">Vested and exercisable </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t51_187\" style=\"left:959px;bottom:221px;letter-spacing:-0.28px;display:inline;\">180 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t52_187\" style=\"left:1053px;bottom:221px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t53_187\" style=\"left:1131px;bottom:221px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_187\" id=\"t54_187\" style=\"left:1193px;bottom:221px;letter-spacing:-0.28px;display:inline;\">180 </div></td></tr>\n                                        </table><div></div><div class=\"t s4_188\" id=\"t5_188\" style=\"left:65px;bottom:717px;letter-spacing:-0.38px;display:inline;\">The original grant date valuation was determined using a Black\u2013Scholes model. </div><div class=\"t s4_188\" id=\"t6_188\" style=\"left:65px;bottom:701px;letter-spacing:-0.39px;display:inline;\">Measurement inputs and assumptions used were as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t7_188\" style=\"left:415px;bottom:681px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">Granted in </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tc_188\" style=\"left:493px;bottom:681px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">Granted in </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"th_188\" style=\"left:571px;bottom:681px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">Granted in </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t8_188\" style=\"left:444px;bottom:668px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"td_188\" style=\"left:522px;bottom:668px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"ti_188\" style=\"left:600px;bottom:668px;display:inline;\">2025 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t9_188\" style=\"left:431px;bottom:654px;letter-spacing:-0.01px;display:inline;\">Awards </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"te_188\" style=\"left:509px;bottom:654px;letter-spacing:-0.01px;display:inline;\">Awards </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tj_188\" style=\"left:587px;bottom:654px;letter-spacing:-0.01px;display:inline;\">Awards </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"ta_188\" style=\"left:405px;bottom:640px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">vesting after </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tf_188\" style=\"left:483px;bottom:640px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">vesting after </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tk_188\" style=\"left:561px;bottom:640px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">vesting after </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tb_188\" style=\"left:426px;bottom:626px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tg_188\" style=\"left:498px;bottom:626px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">two years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"tl_188\" style=\"left:567px;bottom:626px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">three years </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tm_188\" style=\"left:65px;bottom:606px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Share price at grant date </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tn_188\" style=\"left:438px;bottom:606px;letter-spacing:-0.26px;display:inline;\">\u00a36.00 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"to_188\" style=\"left:516px;bottom:606px;letter-spacing:-0.26px;display:inline;\">\u00a36.00 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tp_188\" style=\"left:594px;bottom:606px;letter-spacing:-0.26px;display:inline;\">\u00a36.00 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tq_188\" style=\"left:65px;bottom:586px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exercise price </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tr_188\" style=\"left:464px;bottom:586px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"ts_188\" style=\"left:542px;bottom:586px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tt_188\" style=\"left:620px;bottom:586px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tu_188\" style=\"left:65px;bottom:567px;letter-spacing:-0.25px;display:inline;\">Expected dividend yield </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tv_188\" style=\"left:439px;bottom:567px;letter-spacing:-0.27px;display:inline;\">9.34% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tw_188\" style=\"left:517px;bottom:567px;letter-spacing:-0.27px;display:inline;\">7.01% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tx_188\" style=\"left:595px;bottom:567px;letter-spacing:-0.27px;display:inline;\">6.68% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"ty_188\" style=\"left:65px;bottom:547px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Expected stock price volatility </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"tz_188\" style=\"left:431px;bottom:547px;letter-spacing:-0.27px;display:inline;\">62.33% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t10_188\" style=\"left:509px;bottom:547px;letter-spacing:-0.27px;display:inline;\">49.36% </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t11_188\" style=\"left:587px;bottom:547px;letter-spacing:-0.27px;display:inline;\">47.86% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t12_188\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Risk free interest rate </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t13_188\" style=\"left:439px;bottom:527px;letter-spacing:-0.27px;display:inline;\">4.11% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t14_188\" style=\"left:517px;bottom:527px;letter-spacing:-0.27px;display:inline;\">4.23% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t15_188\" style=\"left:595px;bottom:527px;letter-spacing:-0.27px;display:inline;\">4.22% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t16_188\" style=\"left:65px;bottom:507px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Average expected life (years) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t17_188\" style=\"left:446px;bottom:507px;letter-spacing:-0.26px;display:inline;\">1.00 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t18_188\" style=\"left:524px;bottom:507px;letter-spacing:-0.26px;display:inline;\">2.00 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t19_188\" style=\"left:602px;bottom:507px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t1a_188\" style=\"left:65px;bottom:488px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Original grant date valuation </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t1b_188\" style=\"left:438px;bottom:488px;letter-spacing:-0.26px;display:inline;\">\u00a35.46 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t1c_188\" style=\"left:516px;bottom:488px;letter-spacing:-0.26px;display:inline;\">\u00a35.22 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t1d_188\" style=\"left:594px;bottom:488px;letter-spacing:-0.26px;display:inline;\">\u00a34.91 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1e_188\" style=\"left:416px;bottom:463px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">Granted in </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1j_188\" style=\"left:494px;bottom:463px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">Granted in </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1o_188\" style=\"left:572px;bottom:463px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">Granted in </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1f_188\" style=\"left:444px;bottom:449px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1k_188\" style=\"left:522px;bottom:449px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1p_188\" style=\"left:600px;bottom:449px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1g_188\" style=\"left:432px;bottom:435px;letter-spacing:-0.02px;display:inline;\">Awards </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1l_188\" style=\"left:510px;bottom:435px;letter-spacing:-0.02px;display:inline;\">Awards </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1q_188\" style=\"left:588px;bottom:435px;letter-spacing:-0.02px;display:inline;\">Awards </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1h_188\" style=\"left:406px;bottom:422px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">vesting after </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1m_188\" style=\"left:484px;bottom:422px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">vesting after </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1r_188\" style=\"left:562px;bottom:422px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">vesting after </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1i_188\" style=\"left:422px;bottom:408px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">one years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1n_188\" style=\"left:499px;bottom:408px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">two years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t1s_188\" style=\"left:569px;bottom:408px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">three years </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1t_188\" style=\"left:65px;bottom:387px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Share price at grant date </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1u_188\" style=\"left:438px;bottom:387px;letter-spacing:-0.26px;display:inline;\">\u00a36.90 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1v_188\" style=\"left:516px;bottom:387px;letter-spacing:-0.26px;display:inline;\">\u00a36.90 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1w_188\" style=\"left:594px;bottom:387px;letter-spacing:-0.26px;display:inline;\">\u00a36.90 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1x_188\" style=\"left:65px;bottom:368px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Exercise price </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1y_188\" style=\"left:438px;bottom:368px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t1z_188\" style=\"left:516px;bottom:368px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t20_188\" style=\"left:594px;bottom:368px;letter-spacing:-0.26px;display:inline;\">\u00a30.40 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t21_188\" style=\"left:65px;bottom:348px;letter-spacing:-0.25px;display:inline;\">Expected dividend yield </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t22_188\" style=\"left:439px;bottom:348px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t23_188\" style=\"left:517px;bottom:348px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t24_188\" style=\"left:595px;bottom:348px;letter-spacing:-0.27px;display:inline;\">5.10% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t25_188\" style=\"left:65px;bottom:328px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Expected stock price volatility </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t26_188\" style=\"left:431px;bottom:328px;letter-spacing:-0.27px;display:inline;\">32.51% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t27_188\" style=\"left:509px;bottom:328px;letter-spacing:-0.27px;display:inline;\">38.89% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t28_188\" style=\"left:587px;bottom:328px;letter-spacing:-0.27px;display:inline;\">36.72% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t29_188\" style=\"left:65px;bottom:308px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Risk free interest rate </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2a_188\" style=\"left:439px;bottom:308px;letter-spacing:-0.27px;display:inline;\">4.78% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2b_188\" style=\"left:517px;bottom:308px;letter-spacing:-0.27px;display:inline;\">4.52% </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2c_188\" style=\"left:595px;bottom:308px;letter-spacing:-0.27px;display:inline;\">4.35% </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2d_188\" style=\"left:65px;bottom:289px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Average expected life (years) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2e_188\" style=\"left:446px;bottom:289px;letter-spacing:-0.26px;display:inline;\">1.00 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2f_188\" style=\"left:524px;bottom:289px;letter-spacing:-0.26px;display:inline;\">2.00 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t2g_188\" style=\"left:602px;bottom:289px;letter-spacing:-0.26px;display:inline;\">3.00 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t2h_188\" style=\"left:65px;bottom:269px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Original grant date valuation </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t2i_188\" style=\"left:438px;bottom:269px;letter-spacing:-0.26px;display:inline;\">\u00a36.18 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t2j_188\" style=\"left:516px;bottom:269px;letter-spacing:-0.26px;display:inline;\">\u00a35.87 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_188\" id=\"t2k_188\" style=\"left:594px;bottom:269px;letter-spacing:-0.26px;display:inline;\">\u00a35.57 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s8_188\" id=\"t2l_188\" style=\"left:65px;bottom:239px;letter-spacing:-0.19px;word-spacing:0.01px;display:inline;\">36.4. Cash settled share-based payments </div><div class=\"t s4_188\" id=\"t2m_188\" style=\"left:65px;bottom:220px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">On 16 March 2015, a four-year \u2018phantom\u2019 share option scheme was established in order to provide </div><div class=\"t s4_188\" id=\"t2n_188\" style=\"left:65px;bottom:204px;letter-spacing:-0.38px;display:inline;\">effective long-term incentive to senior management of the Group. Under the scheme, no actual </div><div class=\"t s4_188\" id=\"t2o_188\" style=\"left:65px;bottom:188px;letter-spacing:-0.41px;word-spacing:0.02px;display:inline;\">shares would be issued by the Company, but those granted awards under the scheme would be </div><div class=\"t s4_188\" id=\"t2p_188\" style=\"left:65px;bottom:172px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">entitled to a cash payment. The amount of the award is calculated by reference to the increase in the </div><div class=\"t s4_188\" id=\"t2q_188\" style=\"left:65px;bottom:156px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value of an ordinary share in the Company over an initial value set at \u00a325 per ordinary share, being </div><div class=\"t s4_188\" id=\"t2r_188\" style=\"left:65px;bottom:139px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the price at which the shares resulting from the exercise of the first tranche of share options under </div><div class=\"t s4_188\" id=\"t2s_188\" style=\"left:65px;bottom:123px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the share option scheme were sold in the market in November 2014. The options vested during </div><div class=\"t s4_188\" id=\"t2t_188\" style=\"left:65px;bottom:107px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">2019 and are exercisable for a period of 10 years after grant date, after which the options lapse. </div><div class=\"t s4_188\" id=\"t2u_188\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">As at 31 December 2024, using any reasonable range of inputs and assumptions, the fair value of </div><div class=\"t s4_188\" id=\"t2v_188\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">the \u2018phantom\u2019 options is \u00a3nil. Accordingly, no liability was recognised in the consolidated financial </div><div class=\"t s4_188\" id=\"t2w_188\" style=\"left:654px;bottom:708px;letter-spacing:-0.39px;display:inline;\">statements at 31 December 2024. As at 31 December 2025 the shares had lapsed. </div><div class=\"t s4_188\" id=\"t2x_188\" style=\"left:654px;bottom:686px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">For each award granted during the year, expected volatility was determined by calculating the </div><div class=\"t s4_188\" id=\"t2y_188\" style=\"left:654px;bottom:670px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">historical volatility of the Group\u2019s share price over the period equivalent to the expected term </div><div class=\"t s9_188\" id=\"t2z_188\" style=\"left:654px;bottom:653px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">of the options being granted. The expected life used in the model has been adjusted, based on </div><div class=\"t s4_188\" id=\"t30_188\" style=\"left:654px;bottom:637px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">management\u2019s best estimate, for the effects of non-transferability, exercise restrictions, </div><div class=\"t s9_188\" id=\"t31_188\" style=\"left:654px;bottom:621px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">and behavioural considerations. </div><div class=\"t sa_188\" id=\"t32_188\" style=\"left:671px;bottom:581px;letter-spacing:-0.39px;display:inline;\"><span>Share-based compensation accounting policy </span></div><div class=\"t s4_188\" id=\"t33_188\" style=\"left:671px;bottom:561px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The fair value of equity settled share-based payment awards are calculated at grant date and </div><div class=\"t s4_188\" id=\"t34_188\" style=\"left:671px;bottom:545px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised over the period in which the employees become unconditionally entitled to the </div><div class=\"t s4_188\" id=\"t35_188\" style=\"left:671px;bottom:529px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">awards (the vesting period). The amount is recognised in operating expenses in the income </div><div class=\"t s4_188\" id=\"t36_188\" style=\"left:671px;bottom:513px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">statement, with a corresponding increase in equity. Further details of the valuation </div><div class=\"t s4_188\" id=\"t37_188\" style=\"left:671px;bottom:497px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">methodology are set out above. </div><div class=\"t s4_188\" id=\"t38_188\" style=\"left:671px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The fair value of cash settled share-based payments is recognised in operating expenses in </div><div class=\"t s9_188\" id=\"t39_188\" style=\"left:671px;bottom:458px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the income statement with a corresponding increase in liabilities over the vesting period. </div><div class=\"t s4_188\" id=\"t3a_188\" style=\"left:671px;bottom:442px;letter-spacing:-0.38px;display:inline;\">The liability is remeasured at each reporting date and at the settlement date based on the </div><span>fair value of the options granted, with a corresponding adjustment to operating expenses.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00552": {
   "value": "<span>Share-based compensation accounting policy </span><div class=\"t s4_188\" id=\"t33_188\" style=\"left:671px;bottom:561px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The fair value of equity settled share-based payment awards are calculated at grant date and </div><div class=\"t s4_188\" id=\"t34_188\" style=\"left:671px;bottom:545px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">recognised over the period in which the employees become unconditionally entitled to the </div><div class=\"t s4_188\" id=\"t35_188\" style=\"left:671px;bottom:529px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">awards (the vesting period). The amount is recognised in operating expenses in the income </div><div class=\"t s4_188\" id=\"t36_188\" style=\"left:671px;bottom:513px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">statement, with a corresponding increase in equity. Further details of the valuation </div><div class=\"t s4_188\" id=\"t37_188\" style=\"left:671px;bottom:497px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">methodology are set out above. </div><div class=\"t s4_188\" id=\"t38_188\" style=\"left:671px;bottom:474px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The fair value of cash settled share-based payments is recognised in operating expenses in </div><div class=\"t s9_188\" id=\"t39_188\" style=\"left:671px;bottom:458px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the income statement with a corresponding increase in liabilities over the vesting period. </div><div class=\"t s4_188\" id=\"t3a_188\" style=\"left:671px;bottom:442px;letter-spacing:-0.38px;display:inline;\">The liability is remeasured at each reporting date and at the settlement date based on the </div><span>fair value of the options granted, with a corresponding adjustment to operating expenses.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00376": {
   "value": "<span>37. Cash flow statement </span><div class=\"t s8_188\" id=\"t3d_188\" style=\"left:654px;bottom:361px;letter-spacing:-0.18px;display:inline;\">37.1. Cash and cash equivalents </div><div class=\"t s4_188\" id=\"t3e_188\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of the statement of cash flows, cash and cash equivalents comprise the following </div><div class=\"t s4_188\" id=\"t3f_188\" style=\"left:654px;bottom:325px;letter-spacing:-0.38px;display:inline;\">balances with less than three months\u2019 maturity from the date of acquisition. </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3g_188\" style=\"left:962px;bottom:306px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3j_188\" style=\"left:1036px;bottom:306px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3m_188\" style=\"left:1092px;bottom:306px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3p_188\" style=\"left:1167px;bottom:306px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3h_188\" style=\"left:968px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3k_188\" style=\"left:1042px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3n_188\" style=\"left:1115px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3q_188\" style=\"left:1189px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3i_188\" style=\"left:952px;bottom:278px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3l_188\" style=\"left:1027px;bottom:278px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3o_188\" style=\"left:1100px;bottom:278px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3r_188\" style=\"left:1175px;bottom:278px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t3s_188\" style=\"left:654px;bottom:258px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3t_188\" style=\"left:962px;bottom:258px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3u_188\" style=\"left:1035px;bottom:258px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3v_188\" style=\"left:1109px;bottom:258px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3w_188\" style=\"left:1183px;bottom:258px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t3x_188\" style=\"left:654px;bottom:238px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3y_188\" style=\"left:970px;bottom:238px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3z_188\" style=\"left:1043px;bottom:238px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t40_188\" style=\"left:1117px;bottom:238px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t41_188\" style=\"left:1191px;bottom:238px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t42_188\" style=\"left:654px;bottom:218px;letter-spacing:-0.3px;display:inline;\">Less: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t43_188\" style=\"left:654px;bottom:199px;letter-spacing:-0.24px;display:inline;\">Initial margin account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t44_188\" style=\"left:973px;bottom:199px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t45_188\" style=\"left:1062px;bottom:199px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t46_188\" style=\"left:1121px;bottom:199px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t47_188\" style=\"left:1209px;bottom:199px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t48_188\" style=\"left:962px;bottom:179px;letter-spacing:-0.26px;display:inline;\">559.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t49_188\" style=\"left:1035px;bottom:179px;letter-spacing:-0.26px;display:inline;\">469.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t4a_188\" style=\"left:1109px;bottom:179px;letter-spacing:-0.26px;display:inline;\">559.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t4b_188\" style=\"left:1182px;bottom:179px;letter-spacing:-0.26px;display:inline;\">468.6 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_188\" id=\"t4c_188\" style=\"left:654px;bottom:151px;letter-spacing:-0.38px;display:inline;\">The Group and Company has no access to the initial margin account, so this amount does not </div><div class=\"t s9_188\" id=\"t4d_188\" style=\"left:654px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">meet the definition of cash and cash equivalents, and accordingly, is excluded from cash and </div><div class=\"t s4_188\" id=\"t4e_188\" style=\"left:654px;bottom:119px;letter-spacing:-0.38px;display:inline;\">cash equivalents. </div><div></div><div class=\"t s4_189\" id=\"t5_189\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">37.2. Changes in liabilities arising from financing activities </div><div class=\"t s5_189\" id=\"t6_189\" style=\"left:65px;bottom:695px;letter-spacing:-0.37px;display:inline;\">All changes in liabilities arising from financing activities arise from changes in cash flows, apart </div><div class=\"t s6_189\" id=\"t7_189\" style=\"left:65px;bottom:679px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">from \u00a30.1 million (2024: \u00a30.1 million) of lease liabilities interest expense, as shown in Note 29, </div><div class=\"t s6_189\" id=\"t8_189\" style=\"left:65px;bottom:663px;letter-spacing:-0.37px;display:inline;\">and \u00a30.2 million (2024: \u00a30.2 million) amortisation of issue costs on subordinated liabilities, </div><div class=\"t s6_189\" id=\"t9_189\" style=\"left:65px;bottom:647px;letter-spacing:-0.38px;display:inline;\">as shown in Note 32. </div><div class=\"t s7_189\" id=\"ta_189\" style=\"left:85px;bottom:607px;letter-spacing:-0.39px;display:inline;\"><span>Cash and cash equivalents accounting policy </span></div><div class=\"t s5_189\" id=\"tb_189\" style=\"left:82px;bottom:587px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>For the purpose of the statement of cash flows, cash and cash equivalents comprise cash in </span></div><div class=\"t s5_189\" id=\"tc_189\" style=\"left:82px;bottom:571px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hand and demand deposits, and cash equivalents, being highly liquid investments, which are </div><div class=\"t s5_189\" id=\"td_189\" style=\"left:82px;bottom:555px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">convertible into cash with an insignificant risk of changes in value with a maturity of three </div><div class=\"t s5_189\" id=\"te_189\" style=\"left:82px;bottom:539px;letter-spacing:-0.38px;display:inline;\">months or less at the date of acquisition, including certain loans and advances to banks and </div><span>short-term highly liquid debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00375": {
   "value": "<span>37. Cash flow statement </span><div class=\"t s8_188\" id=\"t3d_188\" style=\"left:654px;bottom:361px;letter-spacing:-0.18px;display:inline;\">37.1. Cash and cash equivalents </div><div class=\"t s4_188\" id=\"t3e_188\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of the statement of cash flows, cash and cash equivalents comprise the following </div><div class=\"t s4_188\" id=\"t3f_188\" style=\"left:654px;bottom:325px;letter-spacing:-0.38px;display:inline;\">balances with less than three months\u2019 maturity from the date of acquisition. </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3g_188\" style=\"left:962px;bottom:306px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3j_188\" style=\"left:1036px;bottom:306px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3m_188\" style=\"left:1092px;bottom:306px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3p_188\" style=\"left:1167px;bottom:306px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3h_188\" style=\"left:968px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3k_188\" style=\"left:1042px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3n_188\" style=\"left:1115px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3q_188\" style=\"left:1189px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3i_188\" style=\"left:952px;bottom:278px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3l_188\" style=\"left:1027px;bottom:278px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3o_188\" style=\"left:1100px;bottom:278px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3r_188\" style=\"left:1175px;bottom:278px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t3s_188\" style=\"left:654px;bottom:258px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3t_188\" style=\"left:962px;bottom:258px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3u_188\" style=\"left:1035px;bottom:258px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3v_188\" style=\"left:1109px;bottom:258px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3w_188\" style=\"left:1183px;bottom:258px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t3x_188\" style=\"left:654px;bottom:238px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3y_188\" style=\"left:970px;bottom:238px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3z_188\" style=\"left:1043px;bottom:238px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t40_188\" style=\"left:1117px;bottom:238px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t41_188\" style=\"left:1191px;bottom:238px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t42_188\" style=\"left:654px;bottom:218px;letter-spacing:-0.3px;display:inline;\">Less: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t43_188\" style=\"left:654px;bottom:199px;letter-spacing:-0.24px;display:inline;\">Initial margin account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t44_188\" style=\"left:973px;bottom:199px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t45_188\" style=\"left:1062px;bottom:199px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t46_188\" style=\"left:1121px;bottom:199px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t47_188\" style=\"left:1209px;bottom:199px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t48_188\" style=\"left:962px;bottom:179px;letter-spacing:-0.26px;display:inline;\">559.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t49_188\" style=\"left:1035px;bottom:179px;letter-spacing:-0.26px;display:inline;\">469.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t4a_188\" style=\"left:1109px;bottom:179px;letter-spacing:-0.26px;display:inline;\">559.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t4b_188\" style=\"left:1182px;bottom:179px;letter-spacing:-0.26px;display:inline;\">468.6 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_188\" id=\"t4c_188\" style=\"left:654px;bottom:151px;letter-spacing:-0.38px;display:inline;\">The Group and Company has no access to the initial margin account, so this amount does not </div><div class=\"t s9_188\" id=\"t4d_188\" style=\"left:654px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">meet the definition of cash and cash equivalents, and accordingly, is excluded from cash and </div><div class=\"t s4_188\" id=\"t4e_188\" style=\"left:654px;bottom:119px;letter-spacing:-0.38px;display:inline;\">cash equivalents. </div><div></div><div class=\"t s4_189\" id=\"t5_189\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">37.2. Changes in liabilities arising from financing activities </div><div class=\"t s5_189\" id=\"t6_189\" style=\"left:65px;bottom:695px;letter-spacing:-0.37px;display:inline;\">All changes in liabilities arising from financing activities arise from changes in cash flows, apart </div><div class=\"t s6_189\" id=\"t7_189\" style=\"left:65px;bottom:679px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">from \u00a30.1 million (2024: \u00a30.1 million) of lease liabilities interest expense, as shown in Note 29, </div><div class=\"t s6_189\" id=\"t8_189\" style=\"left:65px;bottom:663px;letter-spacing:-0.37px;display:inline;\">and \u00a30.2 million (2024: \u00a30.2 million) amortisation of issue costs on subordinated liabilities, </div><div class=\"t s6_189\" id=\"t9_189\" style=\"left:65px;bottom:647px;letter-spacing:-0.38px;display:inline;\">as shown in Note 32. </div><div class=\"t s7_189\" id=\"ta_189\" style=\"left:85px;bottom:607px;letter-spacing:-0.39px;display:inline;\"><span>Cash and cash equivalents accounting policy </span></div><div class=\"t s5_189\" id=\"tb_189\" style=\"left:82px;bottom:587px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>For the purpose of the statement of cash flows, cash and cash equivalents comprise cash in </span></div><div class=\"t s5_189\" id=\"tc_189\" style=\"left:82px;bottom:571px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hand and demand deposits, and cash equivalents, being highly liquid investments, which are </div><div class=\"t s5_189\" id=\"td_189\" style=\"left:82px;bottom:555px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">convertible into cash with an insignificant risk of changes in value with a maturity of three </div><div class=\"t s5_189\" id=\"te_189\" style=\"left:82px;bottom:539px;letter-spacing:-0.38px;display:inline;\">months or less at the date of acquisition, including certain loans and advances to banks and </div><span>short-term highly liquid debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00374": {
   "value": "<span>37. Cash flow statement </span><div class=\"t s8_188\" id=\"t3d_188\" style=\"left:654px;bottom:361px;letter-spacing:-0.18px;display:inline;\">37.1. Cash and cash equivalents </div><div class=\"t s4_188\" id=\"t3e_188\" style=\"left:654px;bottom:342px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">For the purposes of the statement of cash flows, cash and cash equivalents comprise the following </div><div class=\"t s4_188\" id=\"t3f_188\" style=\"left:654px;bottom:325px;letter-spacing:-0.38px;display:inline;\">balances with less than three months\u2019 maturity from the date of acquisition. </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3g_188\" style=\"left:962px;bottom:306px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3j_188\" style=\"left:1036px;bottom:306px;letter-spacing:-0.02px;display:inline;\">Group </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3m_188\" style=\"left:1092px;bottom:306px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3p_188\" style=\"left:1167px;bottom:306px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3h_188\" style=\"left:968px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3k_188\" style=\"left:1042px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3n_188\" style=\"left:1115px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3q_188\" style=\"left:1189px;bottom:292px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3i_188\" style=\"left:952px;bottom:278px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3l_188\" style=\"left:1027px;bottom:278px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_188\" id=\"t3o_188\" style=\"left:1100px;bottom:278px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_188\" id=\"t3r_188\" style=\"left:1175px;bottom:278px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t3s_188\" style=\"left:654px;bottom:258px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3t_188\" style=\"left:962px;bottom:258px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3u_188\" style=\"left:1035px;bottom:258px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3v_188\" style=\"left:1109px;bottom:258px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3w_188\" style=\"left:1183px;bottom:258px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t3x_188\" style=\"left:654px;bottom:238px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3y_188\" style=\"left:970px;bottom:238px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t3z_188\" style=\"left:1043px;bottom:238px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t40_188\" style=\"left:1117px;bottom:238px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t41_188\" style=\"left:1191px;bottom:238px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t42_188\" style=\"left:654px;bottom:218px;letter-spacing:-0.3px;display:inline;\">Less: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t43_188\" style=\"left:654px;bottom:199px;letter-spacing:-0.24px;display:inline;\">Initial margin account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t44_188\" style=\"left:973px;bottom:199px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t45_188\" style=\"left:1062px;bottom:199px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_188\" id=\"t46_188\" style=\"left:1121px;bottom:199px;letter-spacing:-0.23px;display:inline;\">(5.1) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_188\" id=\"t47_188\" style=\"left:1209px;bottom:199px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t48_188\" style=\"left:962px;bottom:179px;letter-spacing:-0.26px;display:inline;\">559.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t49_188\" style=\"left:1035px;bottom:179px;letter-spacing:-0.26px;display:inline;\">469.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t4a_188\" style=\"left:1109px;bottom:179px;letter-spacing:-0.26px;display:inline;\">559.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_188\" id=\"t4b_188\" style=\"left:1182px;bottom:179px;letter-spacing:-0.26px;display:inline;\">468.6 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_188\" id=\"t4c_188\" style=\"left:654px;bottom:151px;letter-spacing:-0.38px;display:inline;\">The Group and Company has no access to the initial margin account, so this amount does not </div><div class=\"t s9_188\" id=\"t4d_188\" style=\"left:654px;bottom:135px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">meet the definition of cash and cash equivalents, and accordingly, is excluded from cash and </div><div class=\"t s4_188\" id=\"t4e_188\" style=\"left:654px;bottom:119px;letter-spacing:-0.38px;display:inline;\">cash equivalents. </div><div></div><div class=\"t s4_189\" id=\"t5_189\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">37.2. Changes in liabilities arising from financing activities </div><div class=\"t s5_189\" id=\"t6_189\" style=\"left:65px;bottom:695px;letter-spacing:-0.37px;display:inline;\">All changes in liabilities arising from financing activities arise from changes in cash flows, apart </div><div class=\"t s6_189\" id=\"t7_189\" style=\"left:65px;bottom:679px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">from \u00a30.1 million (2024: \u00a30.1 million) of lease liabilities interest expense, as shown in Note 29, </div><div class=\"t s6_189\" id=\"t8_189\" style=\"left:65px;bottom:663px;letter-spacing:-0.37px;display:inline;\">and \u00a30.2 million (2024: \u00a30.2 million) amortisation of issue costs on subordinated liabilities, </div><div class=\"t s6_189\" id=\"t9_189\" style=\"left:65px;bottom:647px;letter-spacing:-0.38px;display:inline;\">as shown in Note 32. </div><div class=\"t s7_189\" id=\"ta_189\" style=\"left:85px;bottom:607px;letter-spacing:-0.39px;display:inline;\"><span>Cash and cash equivalents accounting policy </span></div><div class=\"t s5_189\" id=\"tb_189\" style=\"left:82px;bottom:587px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>For the purpose of the statement of cash flows, cash and cash equivalents comprise cash in </span></div><div class=\"t s5_189\" id=\"tc_189\" style=\"left:82px;bottom:571px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hand and demand deposits, and cash equivalents, being highly liquid investments, which are </div><div class=\"t s5_189\" id=\"td_189\" style=\"left:82px;bottom:555px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">convertible into cash with an insignificant risk of changes in value with a maturity of three </div><div class=\"t s5_189\" id=\"te_189\" style=\"left:82px;bottom:539px;letter-spacing:-0.38px;display:inline;\">months or less at the date of acquisition, including certain loans and advances to banks and </div><span>short-term highly liquid debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00553": {
   "value": "<span>Cash and cash equivalents accounting policy </span><div class=\"t s5_189\" id=\"tb_189\" style=\"left:82px;bottom:587px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\"><span>For the purpose of the statement of cash flows, cash and cash equivalents comprise cash in </span></div><div class=\"t s5_189\" id=\"tc_189\" style=\"left:82px;bottom:571px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hand and demand deposits, and cash equivalents, being highly liquid investments, which are </div><div class=\"t s5_189\" id=\"td_189\" style=\"left:82px;bottom:555px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">convertible into cash with an insignificant risk of changes in value with a maturity of three </div><div class=\"t s5_189\" id=\"te_189\" style=\"left:82px;bottom:539px;letter-spacing:-0.38px;display:inline;\">months or less at the date of acquisition, including certain loans and advances to banks and </div><span>short-term highly liquid debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00554": {
   "value": "<span>For the purpose of the statement of cash flows, cash and cash equivalents comprise cash in </span><div class=\"t s5_189\" id=\"tc_189\" style=\"left:82px;bottom:571px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">hand and demand deposits, and cash equivalents, being highly liquid investments, which are </div><div class=\"t s5_189\" id=\"td_189\" style=\"left:82px;bottom:555px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">convertible into cash with an insignificant risk of changes in value with a maturity of three </div><div class=\"t s5_189\" id=\"te_189\" style=\"left:82px;bottom:539px;letter-spacing:-0.38px;display:inline;\">months or less at the date of acquisition, including certain loans and advances to banks and </div><span>short-term highly liquid debt securities.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00377": {
   "value": "<span>38. Financial risk management strategy </span><div class=\"t s5_189\" id=\"th_189\" style=\"left:65px;bottom:462px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">By their nature, the Group\u2019s activities are principally related to the use of financial instruments. </div><div class=\"t s5_189\" id=\"ti_189\" style=\"left:65px;bottom:446px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Directors and senior management of the Group have formally adopted a Group risk appetite </div><div class=\"t s5_189\" id=\"tj_189\" style=\"left:65px;bottom:430px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">statement that sets out the Board\u2019s attitude to risk and internal controls. Key risks identified by </div><div class=\"t s6_189\" id=\"tk_189\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">the Directors are formally reviewed and assessed at least once a year by the Board. In addition, </div><div class=\"t s6_189\" id=\"tl_189\" style=\"left:65px;bottom:398px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">key business risks are identified, evaluated and managed by operating management on an ongoing </div><div class=\"t s5_189\" id=\"tm_189\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;display:inline;\">basis by means of procedures, such as physical controls, credit and other authorisation limits and </div><div class=\"t s5_189\" id=\"tn_189\" style=\"left:65px;bottom:366px;letter-spacing:-0.38px;display:inline;\">segregation of duties. The Board also receives regular reports on any risk matters that need to be </div><div class=\"t s5_189\" id=\"to_189\" style=\"left:65px;bottom:350px;letter-spacing:-0.38px;display:inline;\">brought to its attention. Significant risks identified in connection with the development of new </div><div class=\"t s6_189\" id=\"tp_189\" style=\"left:65px;bottom:334px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">activities are subject to consideration by the Board. There are budgeting procedures in place and </div><div class=\"t s6_189\" id=\"tq_189\" style=\"left:65px;bottom:318px;letter-spacing:-0.37px;display:inline;\">reports are presented regularly to the Board detailing the results of each principal business unit, </div><div class=\"t s5_189\" id=\"tr_189\" style=\"left:65px;bottom:302px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">variances against budget and prior year, and other performance data. </div><div class=\"t s5_189\" id=\"ts_189\" style=\"left:65px;bottom:279px;letter-spacing:-0.38px;display:inline;\">A more detailed description of the risk governance structure is contained in the Principal risks and </div><div class=\"t s6_189\" id=\"tt_189\" style=\"left:65px;bottom:263px;letter-spacing:-0.38px;display:inline;\">uncertainties section beginning on page 30. </div><div class=\"t s5_189\" id=\"tu_189\" style=\"left:65px;bottom:241px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Included within the principal financial risks inherent in the Group\u2019s business are credit risk </div><span>(Note 39), market risk (Note 40), liquidity risk (Note 41), and capital risk (Note 42).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00378": {
   "value": "<span>39. Credit risk </span><div class=\"t s5_189\" id=\"tx_189\" style=\"left:65px;bottom:179px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Company and Group take on exposure to credit risk, which is the risk that a counterparty </div><div class=\"t s6_189\" id=\"ty_189\" style=\"left:65px;bottom:163px;letter-spacing:-0.38px;display:inline;\">will be unable to satisfy their debt servicing commitments when due. Counterparties include the </div><div class=\"t s5_189\" id=\"tz_189\" style=\"left:65px;bottom:147px;letter-spacing:-0.38px;display:inline;\">consumers to whom the Group lends on a secured and unsecured basis and Small and Medium size </div><div class=\"t s5_189\" id=\"t10_189\" style=\"left:65px;bottom:131px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Enterprises (\u2018SMEs\u2019) to whom the Group primarily lends on a secured basis, as well as the market </div><div class=\"t s5_189\" id=\"t11_189\" style=\"left:65px;bottom:115px;letter-spacing:-0.38px;display:inline;\">counterparties with whom the Group deals. </div><div class=\"t s5_189\" id=\"t12_189\" style=\"left:65px;bottom:92px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Impairment provisions are provided for expected credit losses at the statement of financial position </div><div class=\"t s5_189\" id=\"t13_189\" style=\"left:65px;bottom:76px;letter-spacing:-0.38px;display:inline;\">date. Significant changes in the economy could result in losses that are different from those </div><div class=\"t s5_189\" id=\"t14_189\" style=\"left:65px;bottom:60px;letter-spacing:-0.38px;display:inline;\">provided for at the statement of financial position date. Management, therefore, carefully manages </div><div class=\"t s6_189\" id=\"t15_189\" style=\"left:65px;bottom:44px;letter-spacing:-0.38px;word-spacing:-0.03px;display:inline;\">the Group\u2019s exposures to credit risk as it considers this to be the most significant risk to the business. </div><div class=\"t s5_189\" id=\"t16_189\" style=\"left:65px;bottom:28px;letter-spacing:-0.38px;display:inline;\">Disclosures relating to collateral on loans and advances to customers are disclosed in Note 15. </div><div class=\"t s5_189\" id=\"t17_189\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Board monitors the ratings of the counterparties in relation to the Group\u2019s loans and advances </div><div class=\"t s6_189\" id=\"t18_189\" style=\"left:654px;bottom:724px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to banks. Disclosures of these at the year-end are contained in Note 13. There is no direct exposure </div><div class=\"t s5_189\" id=\"t19_189\" style=\"left:654px;bottom:708px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">to the Eurozone and peripheral Eurozone countries. </div><div class=\"t s5_189\" id=\"t1a_189\" style=\"left:654px;bottom:686px;letter-spacing:-0.38px;display:inline;\">See page 32 for further details on the mitigation and change during the year of credit risk. </div><div class=\"t s4_189\" id=\"t1b_189\" style=\"left:654px;bottom:661px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s5_189\" id=\"t1c_189\" style=\"left:654px;bottom:641px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">With the exception of loans and advances to customers, the carrying amount of financial assets </div><div class=\"t s5_189\" id=\"t1d_189\" style=\"left:654px;bottom:625px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">represents the maximum exposure to credit risk. The maximum exposure to credit risk for loans and </div><div class=\"t s5_189\" id=\"t1e_189\" style=\"left:654px;bottom:609px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">advances to customers by portfolio and IFRS 9 stage without taking account of any collateral held or </div><div class=\"t s5_189\" id=\"t1f_189\" style=\"left:654px;bottom:593px;letter-spacing:-0.38px;display:inline;\">other credit enhancements attached was as follows: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1g_189\" style=\"left:805px;bottom:573px;letter-spacing:-0.02px;display:inline;\">Stage 1 </div></td>\n\t\t\t<td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t s8_189\" id=\"t1h_189\" style=\"left:942px;bottom:573px;letter-spacing:-0.02px;display:inline;\">Stage 2 </div> </td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1i_189\" style=\"left:1109px;bottom:573px;letter-spacing:-0.02px;display:inline;\">Stage 3 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1u_189\" style=\"left:1160px;bottom:555px;letter-spacing:-0.17px;word-spacing:0.14px;display:inline;\">Total gross </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1v_189\" style=\"left:1167px;bottom:541px;letter-spacing:-0.03px;display:inline;\">loans and </div> </td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1w_189\" style=\"left:1168px;bottom:527px;letter-spacing:-0.02px;display:inline;\">advances </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1l_189\" style=\"left:866px;bottom:513px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">&lt;= 30 days </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1o_189\" style=\"left:946px;bottom:513px;letter-spacing:-0.07px;word-spacing:0.04px;display:inline;\">&gt; 30 days </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1x_189\" style=\"left:1206px;bottom:513px;letter-spacing:-0.05px;display:inline;\">to </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1m_189\" style=\"left:877px;bottom:500px;letter-spacing:-0.03px;display:inline;\">past due </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1p_189\" style=\"left:951px;bottom:500px;letter-spacing:-0.03px;display:inline;\">past due </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1r_189\" style=\"left:1043px;bottom:500px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1y_189\" style=\"left:1162px;bottom:500px;letter-spacing:-0.02px;display:inline;\">customers </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_189\" id=\"t1j_189\" style=\"left:654px;bottom:486px;letter-spacing:-0.01px;word-spacing:-0.7px;display:inline;\">31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1k_189\" style=\"left:801px;bottom:486px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1n_189\" style=\"left:879px;bottom:486px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1q_189\" style=\"left:953px;bottom:486px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1s_189\" style=\"left:1026px;bottom:486px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1t_189\" style=\"left:1104px;bottom:486px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_189\" id=\"t1z_189\" style=\"left:1174px;bottom:486px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t20_189\" style=\"left:654px;bottom:465px;letter-spacing:-0.26px;display:inline;\">Consumer Finance </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t21_189\" style=\"left:668px;bottom:446px;letter-spacing:-0.25px;display:inline;\">Retail Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t22_189\" style=\"left:800px;bottom:446px;letter-spacing:-0.25px;display:inline;\">1,419.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t23_189\" style=\"left:896px;bottom:446px;letter-spacing:-0.26px;display:inline;\">62.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t24_189\" style=\"left:978px;bottom:446px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t25_189\" style=\"left:1044px;bottom:446px;letter-spacing:-0.26px;display:inline;\">67.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t26_189\" style=\"left:1122px;bottom:446px;letter-spacing:-0.26px;display:inline;\">13.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t27_189\" style=\"left:1173px;bottom:446px;letter-spacing:-0.25px;display:inline;\">1,499.6 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t28_189\" style=\"left:654px;bottom:426px;letter-spacing:-0.25px;display:inline;\">Business Finance </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t29_189\" style=\"left:668px;bottom:406px;letter-spacing:-0.24px;display:inline;\">Real Estate </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t2a_189\" style=\"left:668px;bottom:389px;letter-spacing:-0.26px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2b_189\" style=\"left:800px;bottom:389px;letter-spacing:-0.25px;display:inline;\">1,277.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2c_189\" style=\"left:896px;bottom:389px;letter-spacing:-0.26px;display:inline;\">85.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2d_189\" style=\"left:989px;bottom:389px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2e_189\" style=\"left:1044px;bottom:389px;letter-spacing:-0.26px;display:inline;\">85.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2f_189\" style=\"left:1114px;bottom:389px;letter-spacing:-0.26px;display:inline;\">112.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2g_189\" style=\"left:1173px;bottom:389px;letter-spacing:-0.25px;display:inline;\">1,475.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t2h_189\" style=\"left:668px;bottom:370px;letter-spacing:-0.26px;display:inline;\">Commercial </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t2i_189\" style=\"left:668px;bottom:353px;letter-spacing:-0.26px;display:inline;\">Finance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2j_189\" style=\"left:810px;bottom:353px;letter-spacing:-0.26px;display:inline;\">321.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2k_189\" style=\"left:896px;bottom:353px;letter-spacing:-0.26px;display:inline;\">43.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2l_189\" style=\"left:989px;bottom:353px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2m_189\" style=\"left:1044px;bottom:353px;letter-spacing:-0.26px;display:inline;\">43.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2n_189\" style=\"left:1130px;bottom:353px;letter-spacing:-0.25px;display:inline;\">1.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t2o_189\" style=\"left:1183px;bottom:353px;letter-spacing:-0.26px;display:inline;\">366.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_189\" id=\"t2p_189\" style=\"left:654px;bottom:333px;letter-spacing:-0.44px;word-spacing:0.19px;display:inline;\">Total drawn </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_189\" id=\"t2q_189\" style=\"left:654px;bottom:316px;letter-spacing:-0.32px;display:inline;\">exposure </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t2r_189\" style=\"left:799px;bottom:316px;letter-spacing:-0.25px;display:inline;\">3,018.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t2s_189\" style=\"left:888px;bottom:316px;letter-spacing:-0.26px;display:inline;\">191.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t2t_189\" style=\"left:978px;bottom:316px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t2u_189\" style=\"left:1035px;bottom:316px;letter-spacing:-0.26px;display:inline;\">195.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t2v_189\" style=\"left:1114px;bottom:316px;letter-spacing:-0.26px;display:inline;\">126.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t2w_189\" style=\"left:1172px;bottom:316px;letter-spacing:-0.25px;display:inline;\">3,341.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t2x_189\" style=\"left:654px;bottom:297px;letter-spacing:-0.24px;display:inline;\">Off balance sheet </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t2y_189\" style=\"left:668px;bottom:277px;letter-spacing:-0.32px;display:inline;\">Loan </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t2z_189\" style=\"left:668px;bottom:260px;letter-spacing:-0.27px;display:inline;\">commitments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t30_189\" style=\"left:810px;bottom:260px;letter-spacing:-0.26px;display:inline;\">386.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t31_189\" style=\"left:896px;bottom:260px;letter-spacing:-0.26px;display:inline;\">10.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t32_189\" style=\"left:989px;bottom:260px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t33_189\" style=\"left:1044px;bottom:260px;letter-spacing:-0.26px;display:inline;\">10.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t34_189\" style=\"left:1140px;bottom:260px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t35_189\" style=\"left:1183px;bottom:260px;letter-spacing:-0.26px;display:inline;\">397.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_189\" id=\"t36_189\" style=\"left:654px;bottom:240px;letter-spacing:-0.39px;word-spacing:0.16px;display:inline;\">Total gross </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_189\" id=\"t37_189\" style=\"left:654px;bottom:223px;letter-spacing:-0.32px;display:inline;\">exposure </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t38_189\" style=\"left:799px;bottom:223px;letter-spacing:-0.25px;display:inline;\">3,405.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t39_189\" style=\"left:888px;bottom:223px;letter-spacing:-0.26px;display:inline;\">201.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3a_189\" style=\"left:978px;bottom:223px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3b_189\" style=\"left:1035px;bottom:223px;letter-spacing:-0.26px;display:inline;\">206.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3c_189\" style=\"left:1114px;bottom:223px;letter-spacing:-0.26px;display:inline;\">126.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3d_189\" style=\"left:1172px;bottom:223px;letter-spacing:-0.25px;display:inline;\">3,739.1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3e_189\" style=\"left:654px;bottom:204px;letter-spacing:-0.3px;display:inline;\">Less: </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3f_189\" style=\"left:654px;bottom:184px;letter-spacing:-0.25px;display:inline;\">Impairment </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3g_189\" style=\"left:654px;bottom:167px;letter-spacing:-0.25px;display:inline;\">allowance </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3h_189\" style=\"left:814px;bottom:167px;letter-spacing:-0.24px;display:inline;\">(14.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3i_189\" style=\"left:900px;bottom:167px;letter-spacing:-0.23px;display:inline;\">(8.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3j_189\" style=\"left:974px;bottom:167px;letter-spacing:-0.23px;display:inline;\">(2.5) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3k_189\" style=\"left:1039px;bottom:167px;letter-spacing:-0.24px;display:inline;\">(11.2) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3l_189\" style=\"left:1118px;bottom:167px;letter-spacing:-0.24px;display:inline;\">(19.8) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3m_189\" style=\"left:1187px;bottom:167px;letter-spacing:-0.24px;display:inline;\">(45.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3n_189\" style=\"left:654px;bottom:147px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Provision for loan </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3o_189\" style=\"left:654px;bottom:131px;letter-spacing:-0.27px;display:inline;\">commitments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3p_189\" style=\"left:822px;bottom:131px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t3q_189\" style=\"left:915px;bottom:131px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t3r_189\" style=\"left:989px;bottom:131px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t3s_189\" style=\"left:1062px;bottom:131px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_189\" id=\"t3t_189\" style=\"left:1140px;bottom:131px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_189\" id=\"t3u_189\" style=\"left:1195px;bottom:131px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_189\" id=\"t3v_189\" style=\"left:654px;bottom:111px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Total net exposure </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3w_189\" style=\"left:799px;bottom:111px;letter-spacing:-0.25px;display:inline;\">3,390.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3x_189\" style=\"left:888px;bottom:111px;letter-spacing:-0.26px;display:inline;\">193.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3y_189\" style=\"left:978px;bottom:111px;letter-spacing:-0.25px;display:inline;\">2.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t3z_189\" style=\"left:1035px;bottom:111px;letter-spacing:-0.26px;display:inline;\">195.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t40_189\" style=\"left:1114px;bottom:111px;letter-spacing:-0.26px;display:inline;\">106.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_189\" id=\"t41_189\" style=\"left:1172px;bottom:111px;letter-spacing:-0.25px;display:inline;\">3,692.6 </div></td>\n\t\t</tr>\n\t\n                                        </table><div></div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"t5_190\" style=\"left:214px;bottom:713px;letter-spacing:-0.02px;display:inline;\">Stage 1 </div></td><td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"><div class=\"t s4_190\" id=\"t6_190\" style=\"left:348px;bottom:713px;letter-spacing:-0.02px;display:inline;\">Stage 2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"t7_190\" style=\"left:509px;bottom:713px;letter-spacing:-0.02px;display:inline;\">Stage 3 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tj_190\" style=\"left:569px;bottom:694px;letter-spacing:-0.17px;word-spacing:0.14px;display:inline;\">Total gross </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tk_190\" style=\"left:576px;bottom:680px;letter-spacing:-0.03px;display:inline;\">loans and </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"ta_190\" style=\"left:272px;bottom:667px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">&lt;= 30 days </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"td_190\" style=\"left:351px;bottom:667px;letter-spacing:-0.07px;word-spacing:0.04px;display:inline;\">&gt; 30 days </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tl_190\" style=\"left:563px;bottom:667px;letter-spacing:-0.03px;display:inline;\">advances to </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tb_190\" style=\"left:284px;bottom:653px;letter-spacing:-0.03px;display:inline;\">past due </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"te_190\" style=\"left:356px;bottom:653px;letter-spacing:-0.03px;display:inline;\">past due </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tg_190\" style=\"left:445px;bottom:653px;letter-spacing:-0.35px;display:inline;\">Total </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tm_190\" style=\"left:571px;bottom:653px;letter-spacing:-0.02px;display:inline;\">customers </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_190\" id=\"t8_190\" style=\"left:65px;bottom:639px;letter-spacing:-0.01px;word-spacing:-0.7px;display:inline;\">31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"t9_190\" style=\"left:210px;bottom:639px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tc_190\" style=\"left:286px;bottom:639px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tf_190\" style=\"left:357px;bottom:639px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"th_190\" style=\"left:429px;bottom:639px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"ti_190\" style=\"left:505px;bottom:639px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_190\" id=\"tn_190\" style=\"left:583px;bottom:639px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"to_190\" style=\"left:65px;bottom:619px;letter-spacing:-0.24px;display:inline;\">Assets held for sale: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"tp_190\" style=\"left:65px;bottom:602px;letter-spacing:-0.32px;word-spacing:0.06px;display:inline;\">Vehicle Finance </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"tq_190\" style=\"left:65px;bottom:582px;letter-spacing:-0.29px;word-spacing:0.03px;display:inline;\">Gross exposure </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"tr_190\" style=\"left:219px;bottom:582px;letter-spacing:-0.26px;display:inline;\">328.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"ts_190\" style=\"left:303px;bottom:582px;letter-spacing:-0.26px;display:inline;\">53.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"tt_190\" style=\"left:374px;bottom:582px;letter-spacing:-0.26px;display:inline;\">18.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"tu_190\" style=\"left:446px;bottom:582px;letter-spacing:-0.26px;display:inline;\">71.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"tv_190\" style=\"left:522px;bottom:582px;letter-spacing:-0.26px;display:inline;\">34.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"tw_190\" style=\"left:593px;bottom:582px;letter-spacing:-0.26px;display:inline;\">434.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"tx_190\" style=\"left:65px;bottom:562px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Less: Impairment </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"ty_190\" style=\"left:65px;bottom:546px;letter-spacing:-0.25px;display:inline;\">allowance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"tz_190\" style=\"left:223px;bottom:546px;letter-spacing:-0.24px;display:inline;\">(10.7) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t10_190\" style=\"left:307px;bottom:546px;letter-spacing:-0.23px;display:inline;\">(5.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t11_190\" style=\"left:378px;bottom:546px;letter-spacing:-0.23px;display:inline;\">(4.8) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t12_190\" style=\"left:442px;bottom:546px;letter-spacing:-0.24px;display:inline;\">(10.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t13_190\" style=\"left:518px;bottom:546px;letter-spacing:-0.24px;display:inline;\">(23.2) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t14_190\" style=\"left:596px;bottom:546px;letter-spacing:-0.24px;display:inline;\">(44.0) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"t15_190\" style=\"left:65px;bottom:526px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Total net exposure </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t16_190\" style=\"left:219px;bottom:526px;letter-spacing:-0.26px;display:inline;\">317.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t17_190\" style=\"left:303px;bottom:526px;letter-spacing:-0.26px;display:inline;\">47.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t18_190\" style=\"left:374px;bottom:526px;letter-spacing:-0.26px;display:inline;\">13.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t19_190\" style=\"left:446px;bottom:526px;letter-spacing:-0.26px;display:inline;\">61.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t1a_190\" style=\"left:522px;bottom:526px;letter-spacing:-0.26px;display:inline;\">11.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t1b_190\" style=\"left:592px;bottom:526px;letter-spacing:-0.26px;display:inline;\">390.8 </div></td></tr>\n                                        </table>\n<div class=\"t s7_190\" id=\"t1c_190\" style=\"left:65px;bottom:498px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Of collateral in the form of property, \u00a3156.1 million (2024: \u00a3110.1 million) has been pledged </div>\n<div class=\"t s8_190\" id=\"t1d_190\" style=\"left:65px;bottom:482px;letter-spacing:-0.37px;display:inline;\">as security for Real Estate Finance Stage 3 balances of \u00a3104.0 million (2024: \u00a386.1 million). </div>\n<div class=\"t s7_190\" id=\"t1e_190\" style=\"left:65px;bottom:466px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Of collateral in the form of vehicles, \u00a321.5 million (2024: \u00a337.4 million) has been pledged </div>\n<div class=\"t s8_190\" id=\"t1f_190\" style=\"left:65px;bottom:450px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">as security for Vehicle Finance Stage 3 balances of \u00a311.6 million (2024: \u00a320.7 million). </div>\n<table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1g_190\" style=\"left:804px;bottom:735px;letter-spacing:-0.02px;display:inline;\">Stage 1 </div></td><td colspan=\"3\" rowspan=\"1\" style=\"text-align: center;\"> <div class=\"t sa_190\" id=\"t1h_190\" style=\"left:939px;bottom:735px;letter-spacing:-0.02px;display:inline;\">Stage 2 </div> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1i_190\" style=\"left:1099px;bottom:735px;letter-spacing:-0.02px;display:inline;\">Stage 3 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1u_190\" style=\"left:1159px;bottom:716px;letter-spacing:-0.18px;word-spacing:0.14px;display:inline;\">Total gross </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1v_190\" style=\"left:1166px;bottom:702px;letter-spacing:-0.03px;display:inline;\">loans and </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1l_190\" style=\"left:862px;bottom:689px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">&lt;= 30 days </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1o_190\" style=\"left:940px;bottom:689px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">&gt; 30 days </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1w_190\" style=\"left:1153px;bottom:689px;letter-spacing:-0.03px;display:inline;\">advances to </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1m_190\" style=\"left:874px;bottom:675px;letter-spacing:-0.03px;display:inline;\">past due </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1p_190\" style=\"left:945px;bottom:675px;letter-spacing:-0.03px;display:inline;\">past due </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1r_190\" style=\"left:1035px;bottom:675px;letter-spacing:-0.36px;display:inline;\">Total </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1x_190\" style=\"left:1161px;bottom:675px;letter-spacing:-0.02px;display:inline;\">customers </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_190\" id=\"t1j_190\" style=\"left:654px;bottom:661px;letter-spacing:-0.01px;display:inline;\">31 December 2024 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1k_190\" style=\"left:800px;bottom:661px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1n_190\" style=\"left:876px;bottom:661px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1q_190\" style=\"left:947px;bottom:661px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1s_190\" style=\"left:1019px;bottom:661px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1t_190\" style=\"left:1095px;bottom:661px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_190\" id=\"t1y_190\" style=\"left:1173px;bottom:661px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t1z_190\" style=\"left:654px;bottom:641px;letter-spacing:-0.26px;display:inline;\">Consumer Finance </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t20_190\" style=\"left:668px;bottom:621px;letter-spacing:-0.25px;display:inline;\">Retail Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t21_190\" style=\"left:797px;bottom:621px;letter-spacing:-0.25px;display:inline;\">1,324.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t22_190\" style=\"left:892px;bottom:621px;letter-spacing:-0.26px;display:inline;\">48.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t23_190\" style=\"left:971px;bottom:621px;letter-spacing:-0.25px;display:inline;\">4.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t24_190\" style=\"left:1035px;bottom:621px;letter-spacing:-0.26px;display:inline;\">52.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t25_190\" style=\"left:1111px;bottom:621px;letter-spacing:-0.26px;display:inline;\">11.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t26_190\" style=\"left:1171px;bottom:621px;letter-spacing:-0.25px;display:inline;\">1,387.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t27_190\" style=\"left:668px;bottom:601px;letter-spacing:-0.31px;word-spacing:0.06px;display:inline;\">Vehicle Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t28_190\" style=\"left:808px;bottom:601px;letter-spacing:-0.26px;display:inline;\">500.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t29_190\" style=\"left:892px;bottom:601px;letter-spacing:-0.26px;display:inline;\">40.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2a_190\" style=\"left:963px;bottom:601px;letter-spacing:-0.26px;display:inline;\">21.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2b_190\" style=\"left:1035px;bottom:601px;letter-spacing:-0.26px;display:inline;\">61.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2c_190\" style=\"left:1111px;bottom:601px;letter-spacing:-0.26px;display:inline;\">65.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2d_190\" style=\"left:1181px;bottom:601px;letter-spacing:-0.26px;display:inline;\">626.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t2e_190\" style=\"left:654px;bottom:581px;letter-spacing:-0.25px;display:inline;\">Business Finance </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t2f_190\" style=\"left:668px;bottom:562px;letter-spacing:-0.24px;display:inline;\">Real Estate </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t2g_190\" style=\"left:668px;bottom:545px;letter-spacing:-0.26px;display:inline;\">Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2h_190\" style=\"left:797px;bottom:545px;letter-spacing:-0.25px;display:inline;\">1,046.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2i_190\" style=\"left:884px;bottom:545px;letter-spacing:-0.26px;display:inline;\">209.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2j_190\" style=\"left:971px;bottom:545px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2k_190\" style=\"left:1027px;bottom:545px;letter-spacing:-0.26px;display:inline;\">209.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2l_190\" style=\"left:1111px;bottom:545px;letter-spacing:-0.26px;display:inline;\">97.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2m_190\" style=\"left:1171px;bottom:545px;letter-spacing:-0.25px;display:inline;\">1,353.9 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t2n_190\" style=\"left:668px;bottom:525px;letter-spacing:-0.26px;display:inline;\">Commercial </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t2o_190\" style=\"left:668px;bottom:508px;letter-spacing:-0.26px;display:inline;\">Finance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2p_190\" style=\"left:808px;bottom:508px;letter-spacing:-0.26px;display:inline;\">332.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2q_190\" style=\"left:900px;bottom:508px;letter-spacing:-0.25px;display:inline;\">6.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2r_190\" style=\"left:982px;bottom:508px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2s_190\" style=\"left:1043px;bottom:508px;letter-spacing:-0.25px;display:inline;\">6.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2t_190\" style=\"left:1111px;bottom:508px;letter-spacing:-0.26px;display:inline;\">12.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t2u_190\" style=\"left:1181px;bottom:508px;letter-spacing:-0.26px;display:inline;\">351.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"t2v_190\" style=\"left:654px;bottom:489px;letter-spacing:-0.44px;word-spacing:0.19px;display:inline;\">Total drawn </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"t2w_190\" style=\"left:654px;bottom:472px;letter-spacing:-0.32px;display:inline;\">exposure </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t2x_190\" style=\"left:797px;bottom:472px;letter-spacing:-0.25px;display:inline;\">3,204.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t2y_190\" style=\"left:884px;bottom:472px;letter-spacing:-0.26px;display:inline;\">303.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t2z_190\" style=\"left:963px;bottom:472px;letter-spacing:-0.26px;display:inline;\">25.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t30_190\" style=\"left:1027px;bottom:472px;letter-spacing:-0.26px;display:inline;\">329.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t31_190\" style=\"left:1103px;bottom:472px;letter-spacing:-0.26px;display:inline;\">186.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t32_190\" style=\"left:1170px;bottom:472px;letter-spacing:-0.25px;display:inline;\">3,720.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t33_190\" style=\"left:654px;bottom:452px;letter-spacing:-0.24px;display:inline;\">Off balance sheet </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t34_190\" style=\"left:668px;bottom:432px;letter-spacing:-0.32px;display:inline;\">Loan </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t35_190\" style=\"left:668px;bottom:416px;letter-spacing:-0.27px;display:inline;\">commitments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t36_190\" style=\"left:808px;bottom:416px;letter-spacing:-0.26px;display:inline;\">262.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t37_190\" style=\"left:900px;bottom:416px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t38_190\" style=\"left:982px;bottom:416px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t39_190\" style=\"left:1043px;bottom:416px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t3a_190\" style=\"left:1130px;bottom:416px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t3b_190\" style=\"left:1181px;bottom:416px;letter-spacing:-0.26px;display:inline;\">263.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"t3c_190\" style=\"left:654px;bottom:396px;letter-spacing:-0.39px;word-spacing:0.16px;display:inline;\">Total gross </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_190\" id=\"t3d_190\" style=\"left:654px;bottom:379px;letter-spacing:-0.32px;display:inline;\">exposure </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t3e_190\" style=\"left:797px;bottom:379px;letter-spacing:-0.25px;display:inline;\">3,467.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t3f_190\" style=\"left:884px;bottom:379px;letter-spacing:-0.26px;display:inline;\">304.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t3g_190\" style=\"left:963px;bottom:379px;letter-spacing:-0.26px;display:inline;\">25.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t3h_190\" style=\"left:1027px;bottom:379px;letter-spacing:-0.26px;display:inline;\">329.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t3i_190\" style=\"left:1103px;bottom:379px;letter-spacing:-0.26px;display:inline;\">186.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t3j_190\" style=\"left:1170px;bottom:379px;letter-spacing:-0.25px;display:inline;\">3,983.5 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3k_190\" style=\"left:654px;bottom:359px;letter-spacing:-0.3px;display:inline;\">Less: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3l_190\" style=\"left:654px;bottom:340px;letter-spacing:-0.25px;display:inline;\">Impairment </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3m_190\" style=\"left:654px;bottom:323px;letter-spacing:-0.25px;display:inline;\">allowance </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3n_190\" style=\"left:812px;bottom:323px;letter-spacing:-0.24px;display:inline;\">(29.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3o_190\" style=\"left:896px;bottom:323px;letter-spacing:-0.23px;display:inline;\">(8.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3p_190\" style=\"left:967px;bottom:323px;letter-spacing:-0.23px;display:inline;\">(7.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3q_190\" style=\"left:1031px;bottom:323px;letter-spacing:-0.24px;display:inline;\">(15.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3r_190\" style=\"left:1107px;bottom:323px;letter-spacing:-0.24px;display:inline;\">(66.3) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3s_190\" style=\"left:1177px;bottom:323px;letter-spacing:-0.25px;display:inline;\">(111.8) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3t_190\" style=\"left:654px;bottom:303px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Provision for loan </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> </td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3u_190\" style=\"left:654px;bottom:286px;letter-spacing:-0.27px;display:inline;\">commitments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t3v_190\" style=\"left:820px;bottom:286px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t3w_190\" style=\"left:911px;bottom:286px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t3x_190\" style=\"left:982px;bottom:286px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t3y_190\" style=\"left:1054px;bottom:286px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t3z_190\" style=\"left:1130px;bottom:286px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t40_190\" style=\"left:1193px;bottom:286px;letter-spacing:-0.23px;display:inline;\">(0.9) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_190\" id=\"t41_190\" style=\"left:654px;bottom:267px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Total net exposure </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t42_190\" style=\"left:797px;bottom:267px;letter-spacing:-0.25px;display:inline;\">3,436.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t43_190\" style=\"left:884px;bottom:267px;letter-spacing:-0.26px;display:inline;\">296.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t44_190\" style=\"left:963px;bottom:267px;letter-spacing:-0.26px;display:inline;\">17.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t45_190\" style=\"left:1027px;bottom:267px;letter-spacing:-0.26px;display:inline;\">313.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_190\" id=\"t46_190\" style=\"left:1103px;bottom:267px;letter-spacing:-0.26px;display:inline;\">120.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_190\" id=\"t47_190\" style=\"left:1171px;bottom:267px;letter-spacing:-0.25px;display:inline;\">3,870.8 </div></td></tr>\n                                        </table>\n<div class=\"t s7_190\" id=\"t48_190\" style=\"left:654px;bottom:239px;letter-spacing:-0.38px;display:inline;\">A reconciliation of opening to closing allowance for impairment of loans and advances to customers </div>\n<div class=\"t s7_190\" id=\"t49_190\" style=\"left:654px;bottom:223px;letter-spacing:-0.38px;display:inline;\">is presented in Note 17. </div><div></div><div class=\"t s4_191\" id=\"t5_191\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">Company </div><div class=\"t s5_191\" id=\"t6_191\" style=\"left:65px;bottom:695px;letter-spacing:-0.38px;display:inline;\">In addition to the previous tables, counterparties to the Company include subsidiary undertakings. </div><div class=\"t s6_191\" id=\"t7_191\" style=\"left:65px;bottom:679px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">For the ECL on amounts due from related companies, see Note 26. </div><div class=\"t s4_191\" id=\"t8_191\" style=\"left:65px;bottom:655px;letter-spacing:-0.19px;word-spacing:0.01px;display:inline;\">39.1. Concentration risk </div><div class=\"t s5_191\" id=\"t9_191\" style=\"left:65px;bottom:635px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Management assesses the potential concentration risk from geographic, product and individual </div><div class=\"t s6_191\" id=\"ta_191\" style=\"left:65px;bottom:619px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">loan concentration. Due to the nature of the Group\u2019s lending operations, the Directors consider the </div><div class=\"t s6_191\" id=\"tb_191\" style=\"left:65px;bottom:603px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">lending operations of the Group as a whole to be well diversified. Details of the Group\u2019s loans and </div><div class=\"t s6_191\" id=\"tc_191\" style=\"left:65px;bottom:587px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">advances to customers and loan commitments by product is provided in Notes 3 and 33, </div><div class=\"t s5_191\" id=\"td_191\" style=\"left:65px;bottom:571px;letter-spacing:-0.47px;display:inline;\">respectively. </div><div class=\"t s7_191\" id=\"te_191\" style=\"left:65px;bottom:548px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Geographical concentration </div><div class=\"t s5_191\" id=\"tf_191\" style=\"left:65px;bottom:528px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Group\u2019s Real Estate Finance loan book is secured against UK property only. The geographical </div><div class=\"t s5_191\" id=\"tg_191\" style=\"left:65px;bottom:512px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">concentration of these business loans and advances to customers, by location of the security, </div><div class=\"t s6_191\" id=\"th_191\" style=\"left:65px;bottom:496px;letter-spacing:-0.37px;display:inline;\">is as follows: </div><div class=\"t s4_191\" id=\"ti_191\" style=\"left:65px;bottom:471px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_191\" id=\"tj_191\" style=\"left:522px;bottom:454px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_191\" id=\"tl_191\" style=\"left:600px;bottom:454px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_191\" id=\"tk_191\" style=\"left:506px;bottom:440px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_191\" id=\"tm_191\" style=\"left:586px;bottom:440px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"tn_191\" style=\"left:65px;bottom:420px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Central England </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"to_191\" style=\"left:516px;bottom:420px;letter-spacing:-0.26px;display:inline;\">134.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"tp_191\" style=\"left:594px;bottom:420px;letter-spacing:-0.26px;display:inline;\">113.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"tq_191\" style=\"left:65px;bottom:400px;letter-spacing:-0.28px;word-spacing:0.02px;display:inline;\">Greater London </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"tr_191\" style=\"left:516px;bottom:400px;letter-spacing:-0.26px;display:inline;\">711.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"ts_191\" style=\"left:594px;bottom:400px;letter-spacing:-0.26px;display:inline;\">691.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"tt_191\" style=\"left:65px;bottom:380px;letter-spacing:-0.26px;display:inline;\">Northern England </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"tu_191\" style=\"left:516px;bottom:380px;letter-spacing:-0.26px;display:inline;\">176.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"tv_191\" style=\"left:594px;bottom:380px;letter-spacing:-0.26px;display:inline;\">124.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"tw_191\" style=\"left:65px;bottom:361px;letter-spacing:-0.28px;word-spacing:0.04px;display:inline;\">South East England (excl. Greater London) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"tx_191\" style=\"left:516px;bottom:361px;letter-spacing:-0.26px;display:inline;\">251.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"ty_191\" style=\"left:594px;bottom:361px;letter-spacing:-0.26px;display:inline;\">273.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"tz_191\" style=\"left:65px;bottom:341px;letter-spacing:-0.27px;word-spacing:0.01px;display:inline;\">South West England </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"t10_191\" style=\"left:516px;bottom:341px;letter-spacing:-0.26px;display:inline;\">107.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"t11_191\" style=\"left:602px;bottom:341px;letter-spacing:-0.26px;display:inline;\">54.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"t12_191\" style=\"left:65px;bottom:321px;letter-spacing:-0.27px;word-spacing:0.02px;display:inline;\">Scotland, Wales and Northern Ireland </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"t13_191\" style=\"left:524px;bottom:321px;letter-spacing:-0.26px;display:inline;\">94.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"t14_191\" style=\"left:602px;bottom:321px;letter-spacing:-0.26px;display:inline;\">96.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"t15_191\" style=\"left:65px;bottom:301px;letter-spacing:-0.25px;display:inline;\">Gross loans and receivables </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"t16_191\" style=\"left:505px;bottom:301px;letter-spacing:-0.25px;display:inline;\">1,475.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_191\" id=\"t17_191\" style=\"left:583px;bottom:301px;letter-spacing:-0.25px;display:inline;\">1,353.9 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"t18_191\" style=\"left:65px;bottom:282px;letter-spacing:-0.25px;display:inline;\">Allowance for impairment </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"t19_191\" style=\"left:527px;bottom:282px;letter-spacing:-0.23px;display:inline;\">(8.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_191\" id=\"t1a_191\" style=\"left:597px;bottom:282px;letter-spacing:-0.24px;display:inline;\">(12.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_191\" id=\"t1b_191\" style=\"left:65px;bottom:262px;letter-spacing:-0.6px;display:inline;\">Total </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_191\" id=\"t1c_191\" style=\"left:505px;bottom:262px;letter-spacing:-0.25px;display:inline;\">1,466.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sb_191\" id=\"t1d_191\" style=\"left:583px;bottom:262px;letter-spacing:-0.25px;display:inline;\">1,341.4 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s4_191\" id=\"t1e_191\" style=\"left:65px;bottom:232px;letter-spacing:-0.22px;word-spacing:0.04px;display:inline;\">39.2. Forbearance </div><div class=\"t s7_191\" id=\"t1f_191\" style=\"left:65px;bottom:213px;letter-spacing:-0.4px;display:inline;\">Consumer Finance </div><div class=\"t s5_191\" id=\"t1g_191\" style=\"left:65px;bottom:192px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">Throughout the year, the Group did not routinely reschedule contractual arrangements where </div><div class=\"t s5_191\" id=\"t1h_191\" style=\"left:65px;bottom:176px;letter-spacing:-0.38px;display:inline;\">customers default on their repayments. In cases where it offered the customer the option to reduce </div><div class=\"t s5_191\" id=\"t1i_191\" style=\"left:65px;bottom:160px;letter-spacing:-0.38px;display:inline;\">or defer payments for a short period, in line with our responsibilities from a conduct perspective, </div><div class=\"t s6_191\" id=\"t1j_191\" style=\"left:65px;bottom:144px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the loans retained the normal contractual payment due dates and were treated the same as any </div><div class=\"t s5_191\" id=\"t1k_191\" style=\"left:65px;bottom:128px;letter-spacing:-0.38px;display:inline;\">other defaulting cases for impairment purposes. Arrears tracking would continue on the account, </div><div class=\"t s6_191\" id=\"t1l_191\" style=\"left:65px;bottom:112px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">with any impairment charge being based on the original contractual due dates for all products. </div><div class=\"t s5_191\" id=\"t1m_191\" style=\"left:654px;bottom:740px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">All forbearance arrangements are formally discussed and agreed with the customer in accordance </div><div class=\"t s5_191\" id=\"t1n_191\" style=\"left:654px;bottom:724px;letter-spacing:-0.38px;display:inline;\">with regulatory guidance on the support of customers. By offering customers in financial difficulty </div><div class=\"t s5_191\" id=\"t1o_191\" style=\"left:654px;bottom:708px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">the option of forbearance, the Group potentially exposes itself to an increased level of risk through </div><div class=\"t s5_191\" id=\"t1p_191\" style=\"left:654px;bottom:692px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">prolonging the period of non-contractual payment. All forbearance arrangements are reviewed and </div><div class=\"t s5_191\" id=\"t1q_191\" style=\"left:654px;bottom:676px;letter-spacing:-0.37px;display:inline;\">monitored regularly to assess the ongoing potential risk, suitability and sustainability to the Group. </div><div class=\"t s5_191\" id=\"t1r_191\" style=\"left:654px;bottom:660px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">As at the year-end, the Consumer Finance business approximately had the following cases (by </div><div class=\"t s5_191\" id=\"t1s_191\" style=\"left:654px;bottom:644px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">volume) in forbearance: </div><div class=\"t s5_191\" id=\"t1t_191\" style=\"left:654px;bottom:621px;letter-spacing:-0.38px;word-spacing:0.49px;display:inline;\">\u2022 Retail Finance 0.10% (2024: 0.14%); and </div><div class=\"t s5_191\" id=\"t1u_191\" style=\"left:654px;bottom:601px;letter-spacing:-0.41px;word-spacing:0.61px;display:inline;\">\u2022 Vehicle Finance: 0.70% (2024: 0.59%). </div><div class=\"t s5_191\" id=\"t1v_191\" style=\"left:654px;bottom:576px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">In respect of Vehicle Finance, where forbearance measures are not possible or are considered not </div><div class=\"t s6_191\" id=\"t1w_191\" style=\"left:654px;bottom:560px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">to be in the customer\u2019s best interests, or where such measures have been tried and the customer </div><div class=\"t s5_191\" id=\"t1x_191\" style=\"left:654px;bottom:544px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">has not adhered to the forbearance terms that have been agreed, the Group will consider realising </div><div class=\"t s5_191\" id=\"t1y_191\" style=\"left:654px;bottom:528px;letter-spacing:-0.37px;display:inline;\">its security and taking possession of the vehicle in order to sell it and clear the outstanding debt. </div><div class=\"t s5_191\" id=\"t1z_191\" style=\"left:654px;bottom:512px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Where the sale of the vehicle does not cover all of the remaining loan, normal credit collection </div><div class=\"t s5_191\" id=\"t20_191\" style=\"left:654px;bottom:496px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">procedures may be carried out in order to recover the outstanding debt, or the debt may be sold </div><div class=\"t s6_191\" id=\"t21_191\" style=\"left:654px;bottom:480px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">to a third party debt recovery agent, or in certain circumstances, the debt may be written off. </div><div class=\"t s7_191\" id=\"t22_191\" style=\"left:654px;bottom:458px;letter-spacing:-0.39px;display:inline;\">Real Estate Finance </div><div class=\"t s5_191\" id=\"t23_191\" style=\"left:654px;bottom:437px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Where clients provided evidence of payment difficulties, they were supported by the provision of </div><div class=\"t s5_191\" id=\"t24_191\" style=\"left:654px;bottom:421px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">extensions to loan maturity dates. A small number of clients, who experienced difficulties in meeting </div><div class=\"t s5_191\" id=\"t25_191\" style=\"left:654px;bottom:405px;letter-spacing:-0.38px;display:inline;\">their financial commitments, were offered concessions (facility restructures or amendments) that </div><div class=\"t s5_191\" id=\"t26_191\" style=\"left:654px;bottom:389px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Real Estate Finance would not have provided under normal circumstances. As at 31 December </div><div class=\"t s5_191\" id=\"t27_191\" style=\"left:654px;bottom:373px;letter-spacing:-0.39px;display:inline;\">2025, 3.0% of accounts were classed as forborne (2024: 4.9%). Where forbearance measures are </div><div class=\"t s5_191\" id=\"t28_191\" style=\"left:654px;bottom:357px;letter-spacing:-0.38px;display:inline;\">not possible, or are considered not to be in the client\u2019s best interests, or where such measures have </div><div class=\"t s5_191\" id=\"t29_191\" style=\"left:654px;bottom:341px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">been tried and the customer has not adhered to the forbearance terms that have been agreed, the </div><span>Group will consider realising its security.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00379": {
   "value": "<span>40. Market risk </span><div class=\"t s5_191\" id=\"t2c_191\" style=\"left:654px;bottom:279px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">The Group\u2019s market risk is primarily linked to interest rate risk. Interest rate risk refers to the </div><div class=\"t s5_191\" id=\"t2d_191\" style=\"left:654px;bottom:263px;letter-spacing:-0.4px;word-spacing:0.03px;display:inline;\">exposure of the Group\u2019s financial position to adverse movements in interest rates. </div><div class=\"t s5_191\" id=\"t2e_191\" style=\"left:654px;bottom:240px;letter-spacing:-0.38px;display:inline;\">When interest rates change, the present value and timing of future cash flows change. This, in turn, </div><div class=\"t s5_191\" id=\"t2f_191\" style=\"left:654px;bottom:224px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">changes the underlying value of the Group\u2019s assets, liabilities and off-balance sheet instruments, </div><div class=\"t s6_191\" id=\"t2g_191\" style=\"left:654px;bottom:208px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">and hence, its economic value. Changes in interest rates also affect the Group\u2019s earnings by altering </div><div class=\"t s5_191\" id=\"t2h_191\" style=\"left:654px;bottom:192px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">interest-sensitive income and expenses, affecting its net interest income. </div><div class=\"t s5_191\" id=\"t2i_191\" style=\"left:654px;bottom:170px;letter-spacing:-0.38px;display:inline;\">The principal currency in which the Group operates is Sterling, although a small number of </div><div class=\"t s5_191\" id=\"t2j_191\" style=\"left:654px;bottom:154px;letter-spacing:-0.38px;display:inline;\">transactions are completed in US dollars, Euros and other currencies in the Commercial Finance </div><div class=\"t s5_191\" id=\"t2k_191\" style=\"left:654px;bottom:138px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">business. The Group has no significant exposures to foreign currencies and hedges any residual </div><div class=\"t s5_191\" id=\"t2l_191\" style=\"left:654px;bottom:122px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">currency risks to Sterling. The Group does not operate a trading book. </div><div class=\"t s5_191\" id=\"t2m_191\" style=\"left:654px;bottom:99px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">See page 35 for further details on the mitigation and change during the year of market risk. </div><div></div><div class=\"t s4_192\" id=\"t5_192\" style=\"left:65px;bottom:715px;letter-spacing:-0.2px;word-spacing:0.01px;display:inline;\">Interest rate risk </div><div class=\"t s4_192\" id=\"t6_192\" style=\"left:65px;bottom:693px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group and Company </div><div class=\"t s5_192\" id=\"t7_192\" style=\"left:65px;bottom:674px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group seeks to \u2018match\u2019 interest rate risk between its assets and liabilities in the first instance </div><div class=\"t s5_192\" id=\"t8_192\" style=\"left:65px;bottom:657px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">and hedges any material residual risks using interest rate derivatives in accordance with the Group\u2019s </div><div class=\"t s5_192\" id=\"t9_192\" style=\"left:65px;bottom:641px;letter-spacing:-0.37px;display:inline;\">risk appetite. </div><div class=\"t s5_192\" id=\"ta_192\" style=\"left:65px;bottom:619px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Group monitors its exposure to interest rate risk on at least a weekly basis, using market value </div><div class=\"t s5_192\" id=\"tb_192\" style=\"left:65px;bottom:603px;letter-spacing:-0.38px;display:inline;\">sensitivity and earnings at risk, which were as follows at 31 December: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"tc_192\" style=\"left:526px;bottom:583px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"te_192\" style=\"left:600px;bottom:583px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"td_192\" style=\"left:511px;bottom:569px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"tf_192\" style=\"left:586px;bottom:569px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tg_192\" style=\"left:65px;bottom:549px;letter-spacing:-0.26px;word-spacing:0.02px;display:inline;\">Market value sensitivity </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"th_192\" style=\"left:79px;bottom:529px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">+200bp parallel shift in yield curve </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"ti_192\" style=\"left:536px;bottom:529px;letter-spacing:-0.25px;display:inline;\">2.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"tj_192\" style=\"left:609px;bottom:529px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tk_192\" style=\"left:79px;bottom:509px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">-200bp parallel shift in yield curve </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tl_192\" style=\"left:532px;bottom:509px;letter-spacing:-0.23px;display:inline;\">(3.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tm_192\" style=\"left:605px;bottom:509px;letter-spacing:-0.23px;display:inline;\">(1.6) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tn_192\" style=\"left:65px;bottom:490px;letter-spacing:-0.24px;display:inline;\">Earnings at risk sensitivity </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"to_192\" style=\"left:79px;bottom:470px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">+100bp parallel shift in yield curve </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"tp_192\" style=\"left:536px;bottom:470px;letter-spacing:-0.25px;display:inline;\">0.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"tq_192\" style=\"left:609px;bottom:470px;letter-spacing:-0.25px;display:inline;\">1.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tr_192\" style=\"left:79px;bottom:450px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">-100bp parallel shift in yield curve </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"ts_192\" style=\"left:532px;bottom:450px;letter-spacing:-0.23px;display:inline;\">(0.6) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"tt_192\" style=\"left:605px;bottom:450px;letter-spacing:-0.23px;display:inline;\">(1.5) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s5_192\" id=\"tu_192\" style=\"left:65px;bottom:423px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Directors consider that 200bps in the case of market value sensitivity and 100bps in the case </div><div class=\"t s8_192\" id=\"tv_192\" style=\"left:65px;bottom:407px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">of earnings at risk are a reasonable approximation of possible changes. </div><div class=\"t s5_192\" id=\"tw_192\" style=\"left:65px;bottom:384px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">During the year, the methodology for earnings at risk sensitivity was updated to a more appropriate </div><div class=\"t s5_192\" id=\"tx_192\" style=\"left:65px;bottom:368px;letter-spacing:-0.38px;display:inline;\">calculation based on a constant balance sheet approach compared to a run off balance sheet </div><span>approach at 31 December 2024. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00380": {
   "value": "<span>41. Liquidity and funding risk </span><div class=\"t s5_192\" id=\"t10_192\" style=\"left:65px;bottom:306px;letter-spacing:-0.37px;display:inline;\">Liquidity and funding risk is the risk that the Group is unable to meet its obligations as they fall </div><div class=\"t s8_192\" id=\"t11_192\" style=\"left:65px;bottom:290px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">due or can only do so at excessive cost. The Group maintains adequate liquidity resources and </div><div class=\"t s8_192\" id=\"t12_192\" style=\"left:65px;bottom:274px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">a prudent, stable funding profile at all times to cover liabilities as they fall due in normal and </div><div class=\"t s5_192\" id=\"t13_192\" style=\"left:65px;bottom:258px;letter-spacing:-0.38px;display:inline;\">stressed conditions. </div><div class=\"t s5_192\" id=\"t14_192\" style=\"left:65px;bottom:235px;letter-spacing:-0.38px;display:inline;\">The Group manages its liquidity in line with internal and regulatory requirements, and at least </div><div class=\"t s5_192\" id=\"t15_192\" style=\"left:65px;bottom:219px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">annually assesses the robustness of the liquidity requirements as part of the Group\u2019s Internal </div><div class=\"t s5_192\" id=\"t16_192\" style=\"left:65px;bottom:203px;letter-spacing:-0.38px;display:inline;\">Liquidity Adequacy Assessment Process (\u2018ILAAP\u2019). </div><div class=\"t s5_192\" id=\"t17_192\" style=\"left:65px;bottom:181px;letter-spacing:-0.38px;display:inline;\">See page 33 for further details on the mitigation and change during the year of liquidity and </div><div class=\"t s5_192\" id=\"t18_192\" style=\"left:65px;bottom:165px;letter-spacing:-0.37px;display:inline;\">funding risk. </div><div class=\"t s5_192\" id=\"t19_192\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">The tables below analyse the contractual undiscounted cash flows for financial liabilities into </div><div class=\"t s5_192\" id=\"t1a_192\" style=\"left:654px;bottom:724px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">relevant maturity groupings: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1n_192\" style=\"left:1024px;bottom:704px;letter-spacing:-0.02px;display:inline;\">More than </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1u_192\" style=\"left:1092px;bottom:704px;letter-spacing:-0.02px;display:inline;\">More than </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1o_192\" style=\"left:1051px;bottom:690px;letter-spacing:-0.03px;display:inline;\">three </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1v_192\" style=\"left:1102px;bottom:690px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1p_192\" style=\"left:1039px;bottom:677px;letter-spacing:-0.02px;display:inline;\">months </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1w_192\" style=\"left:1130px;bottom:677px;letter-spacing:-0.04px;display:inline;\">but </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1f_192\" style=\"left:912px;bottom:663px;letter-spacing:-0.03px;display:inline;\">Gross </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1j_192\" style=\"left:960px;bottom:663px;letter-spacing:-0.02px;display:inline;\">Not more </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1q_192\" style=\"left:1039px;bottom:663px;letter-spacing:-0.04px;display:inline;\">but less </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1x_192\" style=\"left:1101px;bottom:663px;letter-spacing:-0.04px;display:inline;\">less than </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1c_192\" style=\"left:827px;bottom:649px;letter-spacing:-0.03px;display:inline;\">Carrying </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1g_192\" style=\"left:899px;bottom:649px;letter-spacing:-0.02px;display:inline;\">nominal </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1k_192\" style=\"left:955px;bottom:649px;letter-spacing:-0.03px;display:inline;\">than three </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1r_192\" style=\"left:1055px;bottom:649px;letter-spacing:-0.03px;display:inline;\">than </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1y_192\" style=\"left:1128px;bottom:649px;letter-spacing:-0.11px;display:inline;\">five </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t21_192\" style=\"left:1161px;bottom:649px;letter-spacing:-0.02px;display:inline;\">More than </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1d_192\" style=\"left:832px;bottom:635px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1h_192\" style=\"left:901px;bottom:635px;letter-spacing:-0.03px;display:inline;\">outflow </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1l_192\" style=\"left:971px;bottom:635px;letter-spacing:-0.02px;display:inline;\">months </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1s_192\" style=\"left:1034px;bottom:635px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1z_192\" style=\"left:1119px;bottom:635px;letter-spacing:-0.08px;display:inline;\">years </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t22_192\" style=\"left:1166px;bottom:635px;letter-spacing:-0.09px;word-spacing:0.05px;display:inline;\">five years </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1b_192\" style=\"left:654px;bottom:622px;letter-spacing:-0.01px;display:inline;\">At 31 December 2025 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1e_192\" style=\"left:830px;bottom:622px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1i_192\" style=\"left:899px;bottom:622px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1m_192\" style=\"left:968px;bottom:622px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t1t_192\" style=\"left:1036px;bottom:622px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t20_192\" style=\"left:1105px;bottom:622px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_192\" id=\"t23_192\" style=\"left:1173px;bottom:622px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t24_192\" style=\"left:654px;bottom:601px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t25_192\" style=\"left:840px;bottom:601px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t26_192\" style=\"left:908px;bottom:601px;letter-spacing:-0.26px;display:inline;\">208.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t27_192\" style=\"left:985px;bottom:601px;letter-spacing:-0.26px;display:inline;\">30.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t28_192\" style=\"left:1046px;bottom:601px;letter-spacing:-0.26px;display:inline;\">178.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t29_192\" style=\"left:1141px;bottom:601px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2a_192\" style=\"left:1209px;bottom:601px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t2b_192\" style=\"left:654px;bottom:582px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2c_192\" style=\"left:829px;bottom:582px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2d_192\" style=\"left:898px;bottom:582px;letter-spacing:-0.25px;display:inline;\">3,624.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2e_192\" style=\"left:966px;bottom:582px;letter-spacing:-0.25px;display:inline;\">2,379.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2f_192\" style=\"left:1046px;bottom:582px;letter-spacing:-0.26px;display:inline;\">473.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2g_192\" style=\"left:1114px;bottom:582px;letter-spacing:-0.26px;display:inline;\">767.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2h_192\" style=\"left:1198px;bottom:582px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t2i_192\" style=\"left:654px;bottom:562px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2j_192\" style=\"left:848px;bottom:562px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2k_192\" style=\"left:908px;bottom:562px;letter-spacing:-0.26px;display:inline;\">125.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2l_192\" style=\"left:993px;bottom:562px;letter-spacing:-0.25px;display:inline;\">5.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2m_192\" style=\"left:1061px;bottom:562px;letter-spacing:-0.25px;display:inline;\">5.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2n_192\" style=\"left:1114px;bottom:562px;letter-spacing:-0.26px;display:inline;\">113.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2o_192\" style=\"left:1209px;bottom:562px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t2p_192\" style=\"left:654px;bottom:542px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2q_192\" style=\"left:855px;bottom:542px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2r_192\" style=\"left:924px;bottom:542px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2s_192\" style=\"left:993px;bottom:542px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2t_192\" style=\"left:1061px;bottom:542px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2u_192\" style=\"left:1130px;bottom:542px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2v_192\" style=\"left:1198px;bottom:542px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t2w_192\" style=\"left:654px;bottom:522px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2x_192\" style=\"left:848px;bottom:522px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2y_192\" style=\"left:916px;bottom:522px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t2z_192\" style=\"left:985px;bottom:522px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t30_192\" style=\"left:1072px;bottom:522px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t31_192\" style=\"left:1141px;bottom:522px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t32_192\" style=\"left:1209px;bottom:522px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t33_192\" style=\"left:829px;bottom:503px;letter-spacing:-0.25px;display:inline;\">3,900.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t34_192\" style=\"left:897px;bottom:503px;letter-spacing:-0.25px;display:inline;\">4,050.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t35_192\" style=\"left:966px;bottom:503px;letter-spacing:-0.25px;display:inline;\">2,503.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t36_192\" style=\"left:1045px;bottom:503px;letter-spacing:-0.26px;display:inline;\">658.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t37_192\" style=\"left:1114px;bottom:503px;letter-spacing:-0.26px;display:inline;\">883.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t38_192\" style=\"left:1198px;bottom:503px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t39_192\" style=\"left:654px;bottom:483px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t3a_192\" style=\"left:654px;bottom:466px;letter-spacing:-0.22px;display:inline;\">liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t3b_192\" style=\"left:855px;bottom:466px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t3c_192\" style=\"left:924px;bottom:466px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t3d_192\" style=\"left:993px;bottom:466px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t3e_192\" style=\"left:1072px;bottom:466px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t3f_192\" style=\"left:1141px;bottom:466px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t3g_192\" style=\"left:1209px;bottom:466px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t3h_192\" style=\"left:829px;bottom:446px;letter-spacing:-0.25px;display:inline;\">3,900.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t3i_192\" style=\"left:897px;bottom:446px;letter-spacing:-0.25px;display:inline;\">4,050.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t3j_192\" style=\"left:966px;bottom:446px;letter-spacing:-0.25px;display:inline;\">2,503.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t3k_192\" style=\"left:1045px;bottom:446px;letter-spacing:-0.26px;display:inline;\">658.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t3l_192\" style=\"left:1114px;bottom:446px;letter-spacing:-0.26px;display:inline;\">883.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t3m_192\" style=\"left:1198px;bottom:446px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3z_192\" style=\"left:1025px;bottom:421px;letter-spacing:-0.02px;display:inline;\">More than </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t46_192\" style=\"left:1094px;bottom:421px;letter-spacing:-0.02px;display:inline;\">More than </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t40_192\" style=\"left:1052px;bottom:408px;letter-spacing:-0.04px;display:inline;\">three </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t47_192\" style=\"left:1104px;bottom:408px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t41_192\" style=\"left:1041px;bottom:394px;letter-spacing:-0.02px;display:inline;\">months </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t48_192\" style=\"left:1131px;bottom:394px;letter-spacing:-0.04px;display:inline;\">but </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3r_192\" style=\"left:913px;bottom:380px;letter-spacing:-0.03px;display:inline;\">Gross </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3v_192\" style=\"left:962px;bottom:380px;letter-spacing:-0.02px;display:inline;\">Not more </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t42_192\" style=\"left:1041px;bottom:380px;letter-spacing:-0.04px;display:inline;\">but less </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t49_192\" style=\"left:1103px;bottom:380px;letter-spacing:-0.04px;display:inline;\">less than </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3o_192\" style=\"left:830px;bottom:366px;letter-spacing:-0.03px;display:inline;\">Carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3s_192\" style=\"left:902px;bottom:366px;letter-spacing:-0.03px;display:inline;\">nominal </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3w_192\" style=\"left:958px;bottom:366px;letter-spacing:-0.03px;display:inline;\">than three </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t43_192\" style=\"left:1057px;bottom:366px;letter-spacing:-0.04px;display:inline;\">than </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t4a_192\" style=\"left:1129px;bottom:366px;letter-spacing:-0.1px;display:inline;\">five </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t4d_192\" style=\"left:1162px;bottom:366px;letter-spacing:-0.02px;display:inline;\">More than </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3p_192\" style=\"left:835px;bottom:353px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3t_192\" style=\"left:903px;bottom:353px;letter-spacing:-0.03px;display:inline;\">outflow </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3x_192\" style=\"left:973px;bottom:353px;letter-spacing:-0.02px;display:inline;\">months </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t44_192\" style=\"left:1035px;bottom:353px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t4b_192\" style=\"left:1120px;bottom:353px;letter-spacing:-0.08px;display:inline;\">years </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t4e_192\" style=\"left:1167px;bottom:353px;letter-spacing:-0.08px;word-spacing:0.04px;display:inline;\">five years </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3n_192\" style=\"left:654px;bottom:339px;letter-spacing:-0.01px;display:inline;\">At 31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3q_192\" style=\"left:834px;bottom:339px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3u_192\" style=\"left:902px;bottom:339px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t3y_192\" style=\"left:970px;bottom:339px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t45_192\" style=\"left:1038px;bottom:339px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t4c_192\" style=\"left:1106px;bottom:339px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_192\" id=\"t4f_192\" style=\"left:1175px;bottom:339px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t4g_192\" style=\"left:654px;bottom:319px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4h_192\" style=\"left:842px;bottom:319px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4i_192\" style=\"left:910px;bottom:319px;letter-spacing:-0.26px;display:inline;\">374.1 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4j_192\" style=\"left:986px;bottom:319px;letter-spacing:-0.26px;display:inline;\">52.6 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4k_192\" style=\"left:1046px;bottom:319px;letter-spacing:-0.26px;display:inline;\">321.5 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4l_192\" style=\"left:1141px;bottom:319px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4m_192\" style=\"left:1209px;bottom:319px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t4n_192\" style=\"left:654px;bottom:299px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4o_192\" style=\"left:831px;bottom:299px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4p_192\" style=\"left:899px;bottom:299px;letter-spacing:-0.25px;display:inline;\">3,336.5 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4q_192\" style=\"left:967px;bottom:299px;letter-spacing:-0.25px;display:inline;\">2,058.0 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4r_192\" style=\"left:1046px;bottom:299px;letter-spacing:-0.26px;display:inline;\">674.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4s_192\" style=\"left:1114px;bottom:299px;letter-spacing:-0.26px;display:inline;\">601.0 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4t_192\" style=\"left:1198px;bottom:299px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t4u_192\" style=\"left:654px;bottom:279px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4v_192\" style=\"left:849px;bottom:279px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4w_192\" style=\"left:910px;bottom:279px;letter-spacing:-0.26px;display:inline;\">136.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4x_192\" style=\"left:1005px;bottom:279px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4y_192\" style=\"left:1054px;bottom:279px;letter-spacing:-0.26px;display:inline;\">11.7 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t4z_192\" style=\"left:1114px;bottom:279px;letter-spacing:-0.26px;display:inline;\">125.1 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t50_192\" style=\"left:1209px;bottom:279px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t51_192\" style=\"left:654px;bottom:259px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t52_192\" style=\"left:857px;bottom:259px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t53_192\" style=\"left:926px;bottom:259px;letter-spacing:-0.25px;display:inline;\">1.9 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t54_192\" style=\"left:994px;bottom:259px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t55_192\" style=\"left:1062px;bottom:259px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t56_192\" style=\"left:1130px;bottom:259px;letter-spacing:-0.25px;display:inline;\">0.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t57_192\" style=\"left:1209px;bottom:259px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t58_192\" style=\"left:654px;bottom:240px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t59_192\" style=\"left:849px;bottom:240px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5a_192\" style=\"left:918px;bottom:240px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5b_192\" style=\"left:986px;bottom:240px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5c_192\" style=\"left:1073px;bottom:240px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5d_192\" style=\"left:1141px;bottom:240px;display:inline;\">\u2013 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5e_192\" style=\"left:1209px;bottom:240px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5f_192\" style=\"left:831px;bottom:220px;letter-spacing:-0.25px;display:inline;\">3,728.9 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5g_192\" style=\"left:899px;bottom:220px;letter-spacing:-0.25px;display:inline;\">3,872.4 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5h_192\" style=\"left:967px;bottom:220px;letter-spacing:-0.25px;display:inline;\">2,134.0 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5i_192\" style=\"left:1035px;bottom:220px;letter-spacing:-0.25px;display:inline;\">1,008.8 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5j_192\" style=\"left:1114px;bottom:220px;letter-spacing:-0.26px;display:inline;\">726.9 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5k_192\" style=\"left:1198px;bottom:220px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t5l_192\" style=\"left:654px;bottom:200px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_192\" id=\"t5m_192\" style=\"left:654px;bottom:183px;letter-spacing:-0.22px;display:inline;\">liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5n_192\" style=\"left:849px;bottom:183px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5o_192\" style=\"left:918px;bottom:183px;letter-spacing:-0.26px;display:inline;\">10.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5p_192\" style=\"left:994px;bottom:183px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5q_192\" style=\"left:1062px;bottom:183px;letter-spacing:-0.25px;display:inline;\">3.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5r_192\" style=\"left:1130px;bottom:183px;letter-spacing:-0.25px;display:inline;\">4.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_192\" id=\"t5s_192\" style=\"left:1209px;bottom:183px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5t_192\" style=\"left:831px;bottom:164px;letter-spacing:-0.25px;display:inline;\">3,738.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5u_192\" style=\"left:899px;bottom:164px;letter-spacing:-0.25px;display:inline;\">3,882.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5v_192\" style=\"left:967px;bottom:164px;letter-spacing:-0.25px;display:inline;\">2,136.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5w_192\" style=\"left:1035px;bottom:164px;letter-spacing:-0.25px;display:inline;\">1,012.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5x_192\" style=\"left:1114px;bottom:164px;letter-spacing:-0.26px;display:inline;\">731.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_192\" id=\"t5y_192\" style=\"left:1198px;bottom:164px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td>\n\t\t</tr>\n\t\n                                        </table><div></div><div class=\"t s4_193\" id=\"t5_193\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">Company </div>\n<div class=\"t s5_193\" id=\"t6_193\" style=\"left:65px;bottom:695px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The contractual undiscounted cash flows for financial liabilities of the Company are the same as </div>\n<div class=\"t s5_193\" id=\"t7_193\" style=\"left:65px;bottom:679px;letter-spacing:-0.42px;word-spacing:0.05px;display:inline;\">above except for the following: </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tk_193\" style=\"left:435px;bottom:659px;letter-spacing:-0.02px;display:inline;\">More than </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tr_193\" style=\"left:503px;bottom:659px;letter-spacing:-0.02px;display:inline;\">More than </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tl_193\" style=\"left:462px;bottom:646px;letter-spacing:-0.03px;display:inline;\">three </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"ts_193\" style=\"left:513px;bottom:646px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tm_193\" style=\"left:450px;bottom:632px;letter-spacing:-0.02px;display:inline;\">months </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tt_193\" style=\"left:541px;bottom:632px;letter-spacing:-0.04px;display:inline;\">but </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tc_193\" style=\"left:323px;bottom:618px;letter-spacing:-0.03px;display:inline;\">Gross </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tg_193\" style=\"left:371px;bottom:618px;letter-spacing:-0.02px;display:inline;\">Not more </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tn_193\" style=\"left:450px;bottom:618px;letter-spacing:-0.04px;display:inline;\">but less </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tu_193\" style=\"left:512px;bottom:618px;letter-spacing:-0.04px;display:inline;\">less than </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"t9_193\" style=\"left:238px;bottom:604px;letter-spacing:-0.03px;display:inline;\">Carrying </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"td_193\" style=\"left:310px;bottom:604px;letter-spacing:-0.02px;display:inline;\">nominal </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"th_193\" style=\"left:366px;bottom:604px;letter-spacing:-0.03px;display:inline;\">than three </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"to_193\" style=\"left:466px;bottom:604px;letter-spacing:-0.03px;display:inline;\">than </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tv_193\" style=\"left:539px;bottom:604px;letter-spacing:-0.11px;display:inline;\">five </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"ty_193\" style=\"left:572px;bottom:604px;letter-spacing:-0.02px;display:inline;\">More than </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"ta_193\" style=\"left:243px;bottom:591px;letter-spacing:-0.01px;display:inline;\">amount </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"te_193\" style=\"left:312px;bottom:591px;letter-spacing:-0.03px;display:inline;\">outflow </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"ti_193\" style=\"left:382px;bottom:591px;letter-spacing:-0.02px;display:inline;\">months </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tp_193\" style=\"left:445px;bottom:591px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tw_193\" style=\"left:530px;bottom:591px;letter-spacing:-0.08px;display:inline;\">years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tz_193\" style=\"left:577px;bottom:591px;letter-spacing:-0.09px;word-spacing:0.05px;display:inline;\">five years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"t8_193\" style=\"left:65px;bottom:577px;letter-spacing:-0.01px;display:inline;\">At 31 December 2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tb_193\" style=\"left:241px;bottom:577px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tf_193\" style=\"left:310px;bottom:577px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tj_193\" style=\"left:379px;bottom:577px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tq_193\" style=\"left:447px;bottom:577px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"tx_193\" style=\"left:516px;bottom:577px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"t10_193\" style=\"left:584px;bottom:577px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t11_193\" style=\"left:65px;bottom:556px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t12_193\" style=\"left:267px;bottom:556px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t13_193\" style=\"left:335px;bottom:556px;letter-spacing:-0.25px;display:inline;\">4.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t14_193\" style=\"left:404px;bottom:556px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t15_193\" style=\"left:472px;bottom:556px;letter-spacing:-0.25px;display:inline;\">0.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t16_193\" style=\"left:541px;bottom:556px;letter-spacing:-0.25px;display:inline;\">2.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t17_193\" style=\"left:609px;bottom:556px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t18_193\" style=\"left:65px;bottom:537px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t19_193\" style=\"left:251px;bottom:537px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t1a_193\" style=\"left:319px;bottom:537px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t1b_193\" style=\"left:388px;bottom:537px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t1c_193\" style=\"left:483px;bottom:537px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t1d_193\" style=\"left:552px;bottom:537px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t1e_193\" style=\"left:620px;bottom:537px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t1f_193\" style=\"left:65px;bottom:517px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Non-derivative financial </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t1g_193\" style=\"left:65px;bottom:500px;letter-spacing:-0.23px;display:inline;\">liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1h_193\" style=\"left:240px;bottom:500px;letter-spacing:-0.25px;display:inline;\">3,914.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1i_193\" style=\"left:308px;bottom:500px;letter-spacing:-0.25px;display:inline;\">4,063.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1j_193\" style=\"left:377px;bottom:500px;letter-spacing:-0.25px;display:inline;\">2,517.0 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1k_193\" style=\"left:456px;bottom:500px;letter-spacing:-0.26px;display:inline;\">658.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1l_193\" style=\"left:525px;bottom:500px;letter-spacing:-0.26px;display:inline;\">883.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1m_193\" style=\"left:609px;bottom:500px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t1n_193\" style=\"left:65px;bottom:481px;letter-spacing:-0.6px;display:inline;\">Total </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1o_193\" style=\"left:240px;bottom:481px;letter-spacing:-0.25px;display:inline;\">3,914.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1p_193\" style=\"left:308px;bottom:481px;letter-spacing:-0.25px;display:inline;\">4,063.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1q_193\" style=\"left:377px;bottom:481px;letter-spacing:-0.25px;display:inline;\">2,517.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1r_193\" style=\"left:456px;bottom:481px;letter-spacing:-0.26px;display:inline;\">658.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1s_193\" style=\"left:525px;bottom:481px;letter-spacing:-0.26px;display:inline;\">883.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t1t_193\" style=\"left:609px;bottom:481px;letter-spacing:-0.25px;display:inline;\">5.2 </div></td></tr>\n                                        </table><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t26_193\" style=\"left:436px;bottom:456px;letter-spacing:-0.02px;display:inline;\">More than </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2d_193\" style=\"left:504px;bottom:456px;letter-spacing:-0.02px;display:inline;\">More than </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t27_193\" style=\"left:462px;bottom:442px;letter-spacing:-0.04px;display:inline;\">three </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2e_193\" style=\"left:514px;bottom:442px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t28_193\" style=\"left:451px;bottom:428px;letter-spacing:-0.02px;display:inline;\">months </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2f_193\" style=\"left:541px;bottom:428px;letter-spacing:-0.04px;display:inline;\">but </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t1y_193\" style=\"left:323px;bottom:414px;letter-spacing:-0.03px;display:inline;\">Gross </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t22_193\" style=\"left:372px;bottom:414px;letter-spacing:-0.02px;display:inline;\">Not more </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t29_193\" style=\"left:451px;bottom:414px;letter-spacing:-0.04px;display:inline;\">but less </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2g_193\" style=\"left:514px;bottom:414px;letter-spacing:-0.04px;display:inline;\">less than </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t1v_193\" style=\"left:239px;bottom:401px;letter-spacing:-0.03px;display:inline;\">Carrying </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t1z_193\" style=\"left:312px;bottom:401px;letter-spacing:-0.03px;display:inline;\">nominal </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t23_193\" style=\"left:368px;bottom:401px;letter-spacing:-0.03px;display:inline;\">than three </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2a_193\" style=\"left:467px;bottom:401px;letter-spacing:-0.04px;display:inline;\">than </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2h_193\" style=\"left:540px;bottom:401px;letter-spacing:-0.1px;display:inline;\">five </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2k_193\" style=\"left:573px;bottom:401px;letter-spacing:-0.02px;display:inline;\">More than </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t1w_193\" style=\"left:245px;bottom:387px;letter-spacing:-0.02px;display:inline;\">amount </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t20_193\" style=\"left:313px;bottom:387px;letter-spacing:-0.03px;display:inline;\">outflow </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t24_193\" style=\"left:383px;bottom:387px;letter-spacing:-0.02px;display:inline;\">months </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2b_193\" style=\"left:446px;bottom:387px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">one year </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2i_193\" style=\"left:531px;bottom:387px;letter-spacing:-0.08px;display:inline;\">years </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2l_193\" style=\"left:578px;bottom:387px;letter-spacing:-0.08px;word-spacing:0.04px;display:inline;\">five years </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t1u_193\" style=\"left:65px;bottom:373px;letter-spacing:-0.01px;display:inline;\">At 31 December 2024 </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t1x_193\" style=\"left:243px;bottom:373px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t21_193\" style=\"left:311px;bottom:373px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t25_193\" style=\"left:380px;bottom:373px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2c_193\" style=\"left:448px;bottom:373px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2j_193\" style=\"left:517px;bottom:373px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t2m_193\" style=\"left:586px;bottom:373px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t2n_193\" style=\"left:65px;bottom:353px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2o_193\" style=\"left:267px;bottom:353px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2p_193\" style=\"left:335px;bottom:353px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2q_193\" style=\"left:404px;bottom:353px;letter-spacing:-0.25px;display:inline;\">0.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2r_193\" style=\"left:472px;bottom:353px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2s_193\" style=\"left:541px;bottom:353px;letter-spacing:-0.25px;display:inline;\">0.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2t_193\" style=\"left:620px;bottom:353px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t2u_193\" style=\"left:65px;bottom:333px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2v_193\" style=\"left:259px;bottom:333px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2w_193\" style=\"left:327px;bottom:333px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2x_193\" style=\"left:396px;bottom:333px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2y_193\" style=\"left:483px;bottom:333px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t2z_193\" style=\"left:552px;bottom:333px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t30_193\" style=\"left:620px;bottom:333px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t31_193\" style=\"left:65px;bottom:313px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Non-derivative financial </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t32_193\" style=\"left:65px;bottom:296px;letter-spacing:-0.23px;display:inline;\">liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t33_193\" style=\"left:240px;bottom:296px;letter-spacing:-0.25px;display:inline;\">3,739.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t34_193\" style=\"left:308px;bottom:296px;letter-spacing:-0.25px;display:inline;\">3,882.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t35_193\" style=\"left:377px;bottom:296px;letter-spacing:-0.25px;display:inline;\">2,144.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t36_193\" style=\"left:446px;bottom:296px;letter-spacing:-0.25px;display:inline;\">1,008.7 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t37_193\" style=\"left:525px;bottom:296px;letter-spacing:-0.26px;display:inline;\">726.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t38_193\" style=\"left:609px;bottom:296px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t39_193\" style=\"left:65px;bottom:277px;letter-spacing:-0.6px;display:inline;\">Total </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t3a_193\" style=\"left:240px;bottom:277px;letter-spacing:-0.25px;display:inline;\">3,749.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t3b_193\" style=\"left:308px;bottom:277px;letter-spacing:-0.25px;display:inline;\">3,892.9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t3c_193\" style=\"left:377px;bottom:277px;letter-spacing:-0.25px;display:inline;\">2,146.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t3d_193\" style=\"left:446px;bottom:277px;letter-spacing:-0.25px;display:inline;\">1,012.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t3e_193\" style=\"left:525px;bottom:277px;letter-spacing:-0.26px;display:inline;\">731.6 </div></td><td class=\"cke_table-faked-selection-temp\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t3f_193\" style=\"left:609px;bottom:277px;letter-spacing:-0.25px;display:inline;\">2.7 </div></td></tr>\n                                        </table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00381": {
   "value": "<span>42. Capital risk (unaudited) </span><div class=\"t s5_193\" id=\"t3h_193\" style=\"left:65px;bottom:226px;letter-spacing:-0.38px;display:inline;\">Capital risk is the risk that the Group will have insufficient capital resources to absorb potential </div>\n<div class=\"t s5_193\" id=\"t3i_193\" style=\"left:65px;bottom:210px;letter-spacing:-0.38px;display:inline;\">losses. The Group adopts a conservative approach to managing its capital and at least annually </div>\n<div class=\"t s5_193\" id=\"t3j_193\" style=\"left:65px;bottom:194px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">assesses the robustness of the capital requirements as part of the Group\u2019s Internal Capital </div>\n<div class=\"t s5_193\" id=\"t3k_193\" style=\"left:65px;bottom:178px;letter-spacing:-0.38px;display:inline;\">Adequacy Assessment Process (\u2018ICAAP\u2019). The Group has Tier 1 and Tier 2 capital resources, </div>\n<div class=\"t s7_193\" id=\"t3l_193\" style=\"left:65px;bottom:162px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">noting the regulatory adjustments required in the table on the next page. </div>\n<div class=\"t s5_193\" id=\"t3m_193\" style=\"left:65px;bottom:139px;letter-spacing:-0.38px;display:inline;\">The following table, which is unaudited and, therefore, not in scope of the Independent Auditor\u2019s </div>\n<div class=\"t s5_193\" id=\"t3n_193\" style=\"left:65px;bottom:123px;letter-spacing:-0.38px;display:inline;\">Report, shows the regulatory capital resources for the Group. </div><table>\n                                            <tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"t3o_193\" style=\"left:1111px;bottom:738px;letter-spacing:-0.02px;display:inline;\">2025 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t3r_193\" style=\"left:1189px;bottom:738px;letter-spacing:-0.02px;display:inline;\">2024 </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"t3p_193\" style=\"left:1095px;bottom:724px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t3s_193\" style=\"left:1175px;bottom:724px;letter-spacing:-0.04px;display:inline;\">\u00a3million </div></td></tr><tr><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_193\" id=\"t3q_193\" style=\"left:1077px;bottom:710px;letter-spacing:-0.02px;display:inline;\">(unaudited) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_193\" id=\"t3t_193\" style=\"left:1156px;bottom:710px;letter-spacing:-0.02px;display:inline;\">(unaudited) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t3u_193\" style=\"left:654px;bottom:690px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Common Equity Tier 1 (\u2018CET 1\u2019) </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t3v_193\" style=\"left:654px;bottom:670px;letter-spacing:-0.24px;display:inline;\">Share capital </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t3w_193\" style=\"left:1120px;bottom:670px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t3x_193\" style=\"left:1198px;bottom:670px;letter-spacing:-0.25px;display:inline;\">7.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t3y_193\" style=\"left:654px;bottom:651px;letter-spacing:-0.26px;display:inline;\">Share premium </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t3z_193\" style=\"left:1113px;bottom:651px;letter-spacing:-0.26px;display:inline;\">84.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t40_193\" style=\"left:1191px;bottom:651px;letter-spacing:-0.26px;display:inline;\">84.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t41_193\" style=\"left:654px;bottom:631px;letter-spacing:-0.25px;display:inline;\">Retained earnings </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t42_193\" style=\"left:1105px;bottom:631px;letter-spacing:-0.26px;display:inline;\">284.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t43_193\" style=\"left:1183px;bottom:631px;letter-spacing:-0.26px;display:inline;\">271.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t44_193\" style=\"left:654px;bottom:611px;letter-spacing:-0.26px;display:inline;\">Own shares </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t45_193\" style=\"left:1116px;bottom:611px;letter-spacing:-0.23px;display:inline;\">(1.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t46_193\" style=\"left:1194px;bottom:611px;letter-spacing:-0.23px;display:inline;\">(2.2) </div></td></tr><tr><td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t47_193\" style=\"left:654px;bottom:591px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">IFRS 9 transition adjustments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t48_193\" style=\"left:1131px;bottom:591px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t49_193\" style=\"left:1198px;bottom:591px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4a_193\" style=\"left:654px;bottom:572px;letter-spacing:-0.26px;display:inline;\">Goodwill </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4b_193\" style=\"left:1116px;bottom:572px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4c_193\" style=\"left:1194px;bottom:572px;letter-spacing:-0.23px;display:inline;\">(1.0) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4d_193\" style=\"left:654px;bottom:552px;letter-spacing:-0.24px;display:inline;\">Intangible assets net of attributable deferred tax </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4e_193\" style=\"left:1116px;bottom:552px;letter-spacing:-0.23px;display:inline;\">(4.1) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4f_193\" style=\"left:1194px;bottom:552px;letter-spacing:-0.23px;display:inline;\">(4.0) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t4g_193\" style=\"left:654px;bottom:532px;letter-spacing:-0.25px;display:inline;\">CET 1 capital before foreseeable dividend </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t4h_193\" style=\"left:1105px;bottom:532px;letter-spacing:-0.26px;display:inline;\">369.2 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t4i_193\" style=\"left:1182px;bottom:532px;letter-spacing:-0.26px;display:inline;\">355.6 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4j_193\" style=\"left:654px;bottom:512px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Foreseeable dividend </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4k_193\" style=\"left:1116px;bottom:512px;letter-spacing:-0.23px;display:inline;\">(4.4) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4l_193\" style=\"left:1194px;bottom:512px;letter-spacing:-0.23px;display:inline;\">(4.2) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t4m_193\" style=\"left:654px;bottom:493px;letter-spacing:-0.24px;display:inline;\">CET 1 and Tier 1 capital </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t4n_193\" style=\"left:1105px;bottom:493px;letter-spacing:-0.26px;display:inline;\">364.8 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t4o_193\" style=\"left:1182px;bottom:493px;letter-spacing:-0.26px;display:inline;\">351.4 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t4p_193\" style=\"left:654px;bottom:453px;letter-spacing:-0.24px;display:inline;\">Tier 2 </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4q_193\" style=\"left:654px;bottom:434px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t4r_193\" style=\"left:1113px;bottom:434px;letter-spacing:-0.26px;display:inline;\">89.5 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t4s_193\" style=\"left:1191px;bottom:434px;letter-spacing:-0.26px;display:inline;\">89.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4t_193\" style=\"left:654px;bottom:414px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Less ineligible portion </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4u_193\" style=\"left:1108px;bottom:414px;letter-spacing:-0.24px;display:inline;\">(25.9) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t4v_193\" style=\"left:1186px;bottom:414px;letter-spacing:-0.24px;display:inline;\">(25.0) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t4w_193\" style=\"left:654px;bottom:394px;letter-spacing:-0.32px;word-spacing:0.08px;display:inline;\">Total Tier 2 capital\u00b9 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t4x_193\" style=\"left:1112px;bottom:394px;letter-spacing:-0.26px;display:inline;\">63.6 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t4y_193\" style=\"left:1190px;bottom:394px;letter-spacing:-0.26px;display:inline;\">64.3 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t4z_193\" style=\"left:654px;bottom:355px;letter-spacing:-0.27px;display:inline;\">Own funds </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t50_193\" style=\"left:1105px;bottom:355px;letter-spacing:-0.26px;display:inline;\">428.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t51_193\" style=\"left:1182px;bottom:355px;letter-spacing:-0.26px;display:inline;\">415.7 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t52_193\" style=\"left:654px;bottom:315px;letter-spacing:-0.24px;display:inline;\">Reconciliation to total equity: </div></td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td><td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t53_193\" style=\"left:654px;bottom:295px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">IFRS 9 transition adjustments </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t54_193\" style=\"left:1131px;bottom:295px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t55_193\" style=\"left:1194px;bottom:295px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t56_193\" style=\"left:654px;bottom:276px;letter-spacing:-0.24px;display:inline;\">Eligible subordinated liabilities </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t57_193\" style=\"left:1108px;bottom:276px;letter-spacing:-0.24px;display:inline;\">(63.6) </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t58_193\" style=\"left:1186px;bottom:276px;letter-spacing:-0.24px;display:inline;\">(64.3) </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t59_193\" style=\"left:654px;bottom:256px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Cash flow hedge reserve </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t5a_193\" style=\"left:1131px;bottom:256px;display:inline;\">\u2013 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t5b_193\" style=\"left:1209px;bottom:256px;display:inline;\">\u2013 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t5c_193\" style=\"left:654px;bottom:236px;letter-spacing:-0.24px;display:inline;\">Goodwill and other intangible assets net of attributable deferred tax </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t5d_193\" style=\"left:1120px;bottom:236px;letter-spacing:-0.25px;display:inline;\">5.1 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t5e_193\" style=\"left:1198px;bottom:236px;letter-spacing:-0.25px;display:inline;\">5.0 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_193\" id=\"t5f_193\" style=\"left:654px;bottom:217px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Foreseeable dividend </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t5g_193\" style=\"left:1120px;bottom:217px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_193\" id=\"t5h_193\" style=\"left:1198px;bottom:217px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td></tr><tr><td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_193\" id=\"t5i_193\" style=\"left:654px;bottom:197px;letter-spacing:-0.39px;word-spacing:0.14px;display:inline;\">Total equity </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t5j_193\" style=\"left:1105px;bottom:197px;letter-spacing:-0.26px;display:inline;\">374.3 </div></td><td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_193\" id=\"t5k_193\" style=\"left:1182px;bottom:197px;letter-spacing:-0.26px;display:inline;\">360.5 </div></td></tr>\n                                        </table>\n<div class=\"t sa_193\" id=\"t5l_193\" style=\"left:654px;bottom:172px;letter-spacing:-0.09px;display:inline;\">Note: </div>\n<div class=\"t sa_193\" id=\"t5m_193\" style=\"left:654px;bottom:154px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">1. Tier 2 capital comprises solely subordinated debt, excluding accrued interest, capped at 25% of the Pillar 1 </div>\n<div class=\"t sa_193\" id=\"t5n_193\" style=\"left:667px;bottom:140px;letter-spacing:-0.09px;word-spacing:0.01px;display:inline;\">and 2A requirements as set by the PRA. </div>\n<div class=\"t s5_193\" id=\"t5o_193\" style=\"left:654px;bottom:119px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group elected to adopt the IFRS 9 transitional rules. The initial IFRS 9 transitional adjustment </div>\n<div class=\"t s5_193\" id=\"t5p_193\" style=\"left:654px;bottom:103px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">ended in 2022. The \u2018quick fix\u2019 part of the relief, for increases in provisions since 1 January 2020, </div>\n<div class=\"t s5_193\" id=\"t5q_193\" style=\"left:654px;bottom:87px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">except where these provisions relate to defaulted accounts, were added back to eligible capital </div>\n<div class=\"t s7_193\" id=\"t5r_193\" style=\"left:654px;bottom:71px;letter-spacing:-0.38px;display:inline;\">(net of attributable deferred tax) at 25% in 2024. This relief ended on 1 January 2025. </div><div></div><div class=\"t s4_194\" id=\"t5_194\" style=\"left:65px;bottom:717px;letter-spacing:-0.39px;word-spacing:0.02px;display:inline;\">The Group\u2019s regulatory capital is divided into: </div><div class=\"t s4_194\" id=\"t6_194\" style=\"left:65px;bottom:695px;letter-spacing:-0.4px;word-spacing:0.26px;display:inline;\">\u2022 CET 1 capital, which comprises shareholders\u2019 funds (excluding employee benefit trust own </div><div class=\"t s4_194\" id=\"t7_194\" style=\"left:78px;bottom:679px;letter-spacing:-0.38px;display:inline;\">shares), after adding back the IFRS 9 transition adjustment and deducting qualifying intangible </div><div class=\"t s4_194\" id=\"t8_194\" style=\"left:78px;bottom:663px;letter-spacing:-0.38px;display:inline;\">assets and prudent valuation adjustments. IFRS 9 transition adjustment and intangible assets </div><div class=\"t s5_194\" id=\"t9_194\" style=\"left:78px;bottom:647px;letter-spacing:-0.38px;display:inline;\">are both net of attributable deferred tax; and </div><div class=\"t s4_194\" id=\"ta_194\" style=\"left:65px;bottom:626px;letter-spacing:-0.37px;word-spacing:0.22px;display:inline;\">\u2022 Tier 2 capital, which is solely subordinated debt net of unamortised issue costs, </div><div class=\"t s5_194\" id=\"tb_194\" style=\"left:78px;bottom:610px;letter-spacing:-0.38px;display:inline;\">capped at 25% of the capital requirement. </div><div class=\"t s4_194\" id=\"tc_194\" style=\"left:65px;bottom:586px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The Group operates the standardised approach to credit risk, whereby risk weightings are applied </div><div class=\"t s4_194\" id=\"td_194\" style=\"left:65px;bottom:570px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">to the Group\u2019s on and off balance sheet exposures. The weightings applied are those stipulated in </div><div class=\"t s4_194\" id=\"te_194\" style=\"left:65px;bottom:553px;letter-spacing:-0.38px;display:inline;\">the UK Capital Requirements Regulation. </div><div class=\"t s4_194\" id=\"tf_194\" style=\"left:65px;bottom:531px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">Further information on capital is included within our Pillar 3 disclosures, which can be found on </div><div class=\"t s5_194\" id=\"tg_194\" style=\"left:65px;bottom:515px;letter-spacing:-0.42px;word-spacing:0.06px;display:inline;\">the Group\u2019s website </div><div class=\"t s6_194\" id=\"th_194\" style=\"left:181px;bottom:515px;letter-spacing:-0.43px;display:inline;\">(www.securetrustbank.com/pillar3)</div><div class=\"t s4_194\" id=\"ti_194\" style=\"left:390px;bottom:515px;letter-spacing:-0.37px;display:inline;\">. See page 34 for further details on the </div><div class=\"t s4_194\" id=\"tj_194\" style=\"left:65px;bottom:499px;letter-spacing:-0.38px;display:inline;\">mitigation and change during the year of capital risk. </div><div class=\"t s4_194\" id=\"tk_194\" style=\"left:65px;bottom:476px;letter-spacing:-0.38px;display:inline;\">The Group is subject to capital requirements imposed by the PRA on all financial services firms. </div><span>During the year, the Group complied with these requirements.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00382": {
   "value": "<span>43. Classification of financial assets and liabilities </span><div class=\"t s4_194\" id=\"tn_194\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;display:inline;\">All financial assets and liabilities at 31 December 2025 and 31 December 2024 were carried at </div><div class=\"t s4_194\" id=\"to_194\" style=\"left:65px;bottom:398px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amortised cost, except for derivative financial instruments that are at fair value through profit and </div><div class=\"t s4_194\" id=\"tp_194\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">loss. Therefore, for these assets and liabilities, the fair value hierarchy noted below relates to the </div><div class=\"t s4_194\" id=\"tq_194\" style=\"left:65px;bottom:366px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">disclosure in this note only. </div><div class=\"t s7_194\" id=\"tr_194\" style=\"left:654px;bottom:738px;letter-spacing:-0.15px;display:inline;\">Group </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"ts_194\" style=\"left:909px;bottom:721px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t11_194\" style=\"left:1027px;bottom:721px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t16_194\" style=\"left:1078px;bottom:721px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1f_194\" style=\"left:1196px;bottom:721px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tt_194\" style=\"left:891px;bottom:707px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tx_194\" style=\"left:971px;bottom:707px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t12_194\" style=\"left:1017px;bottom:707px;letter-spacing:-0.22px;display:inline;\">Value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t17_194\" style=\"left:1061px;bottom:707px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1b_194\" style=\"left:1140px;bottom:707px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1g_194\" style=\"left:1187px;bottom:707px;letter-spacing:-0.21px;display:inline;\">Value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tu_194\" style=\"left:894px;bottom:694px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"ty_194\" style=\"left:963px;bottom:694px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t13_194\" style=\"left:997px;bottom:694px;letter-spacing:-0.08px;display:inline;\">hierarchy </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t18_194\" style=\"left:1064px;bottom:694px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1c_194\" style=\"left:1132px;bottom:694px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1h_194\" style=\"left:1167px;bottom:694px;letter-spacing:-0.09px;display:inline;\">hierarchy </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tv_194\" style=\"left:907px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tz_194\" style=\"left:964px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t14_194\" style=\"left:1023px;bottom:680px;letter-spacing:-0.14px;display:inline;\">level </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t19_194\" style=\"left:1076px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1d_194\" style=\"left:1133px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1i_194\" style=\"left:1192px;bottom:680px;letter-spacing:-0.13px;display:inline;\">level </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tw_194\" style=\"left:892px;bottom:666px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t10_194\" style=\"left:948px;bottom:666px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t15_194\" style=\"left:1020px;bottom:666px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1a_194\" style=\"left:1062px;bottom:666px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1e_194\" style=\"left:1118px;bottom:666px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1j_194\" style=\"left:1189px;bottom:666px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1k_194\" style=\"left:654px;bottom:646px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1l_194\" style=\"left:654px;bottom:629px;letter-spacing:-0.26px;display:inline;\">account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1m_194\" style=\"left:901px;bottom:629px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1n_194\" style=\"left:957px;bottom:629px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1o_194\" style=\"left:1007px;bottom:629px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1p_194\" style=\"left:1070px;bottom:629px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1q_194\" style=\"left:1126px;bottom:629px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1r_194\" style=\"left:1176px;bottom:629px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1s_194\" style=\"left:654px;bottom:609px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1t_194\" style=\"left:909px;bottom:609px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1u_194\" style=\"left:965px;bottom:609px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1v_194\" style=\"left:1007px;bottom:609px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1w_194\" style=\"left:1078px;bottom:609px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1x_194\" style=\"left:1134px;bottom:609px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1y_194\" style=\"left:1176px;bottom:609px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1z_194\" style=\"left:654px;bottom:590px;letter-spacing:-0.25px;display:inline;\">Debt securities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t20_194\" style=\"left:917px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t21_194\" style=\"left:973px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t22_194\" style=\"left:1007px;bottom:590px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t23_194\" style=\"left:1097px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t24_194\" style=\"left:1153px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t25_194\" style=\"left:1209px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t26_194\" style=\"left:654px;bottom:570px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t27_194\" style=\"left:891px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t28_194\" style=\"left:947px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,289.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t29_194\" style=\"left:1007px;bottom:570px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2a_194\" style=\"left:1059px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2b_194\" style=\"left:1116px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,612.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2c_194\" style=\"left:1176px;bottom:570px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2d_194\" style=\"left:654px;bottom:550px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2e_194\" style=\"left:917px;bottom:550px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2f_194\" style=\"left:973px;bottom:550px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2g_194\" style=\"left:1007px;bottom:550px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2h_194\" style=\"left:1078px;bottom:550px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2i_194\" style=\"left:1134px;bottom:550px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2j_194\" style=\"left:1176px;bottom:550px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2k_194\" style=\"left:654px;bottom:530px;letter-spacing:-0.24px;display:inline;\">Other financial assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2l_194\" style=\"left:917px;bottom:530px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2m_194\" style=\"left:973px;bottom:530px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2n_194\" style=\"left:1007px;bottom:530px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2o_194\" style=\"left:1086px;bottom:530px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2p_194\" style=\"left:1142px;bottom:530px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2q_194\" style=\"left:1176px;bottom:530px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2r_194\" style=\"left:890px;bottom:511px;letter-spacing:-0.25px;display:inline;\">3,863.6 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2s_194\" style=\"left:946px;bottom:511px;letter-spacing:-0.25px;display:inline;\">3,856.8 </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2t_194\" style=\"left:1059px;bottom:511px;letter-spacing:-0.25px;display:inline;\">4,093.8 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2u_194\" style=\"left:1115px;bottom:511px;letter-spacing:-0.25px;display:inline;\">4,097.6 </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2v_194\" style=\"left:654px;bottom:491px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2w_194\" style=\"left:901px;bottom:491px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2x_194\" style=\"left:957px;bottom:491px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2y_194\" style=\"left:1007px;bottom:491px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2z_194\" style=\"left:1070px;bottom:491px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t30_194\" style=\"left:1126px;bottom:491px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t31_194\" style=\"left:1176px;bottom:491px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t32_194\" style=\"left:654px;bottom:471px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t33_194\" style=\"left:891px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t34_194\" style=\"left:947px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,530.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t35_194\" style=\"left:1007px;bottom:471px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t36_194\" style=\"left:1059px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t37_194\" style=\"left:1116px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,254.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t38_194\" style=\"left:1176px;bottom:471px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t39_194\" style=\"left:654px;bottom:452px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3a_194\" style=\"left:917px;bottom:452px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3b_194\" style=\"left:973px;bottom:452px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3c_194\" style=\"left:1007px;bottom:452px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3d_194\" style=\"left:1078px;bottom:452px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3e_194\" style=\"left:1134px;bottom:452px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3f_194\" style=\"left:1176px;bottom:452px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3g_194\" style=\"left:654px;bottom:432px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3h_194\" style=\"left:917px;bottom:432px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3i_194\" style=\"left:973px;bottom:432px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3j_194\" style=\"left:1007px;bottom:432px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3k_194\" style=\"left:1086px;bottom:432px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3l_194\" style=\"left:1142px;bottom:432px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3m_194\" style=\"left:1176px;bottom:432px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3n_194\" style=\"left:654px;bottom:412px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3o_194\" style=\"left:909px;bottom:412px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3p_194\" style=\"left:965px;bottom:412px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3q_194\" style=\"left:1007px;bottom:412px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3r_194\" style=\"left:1078px;bottom:412px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3s_194\" style=\"left:1134px;bottom:412px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3t_194\" style=\"left:1176px;bottom:412px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3u_194\" style=\"left:654px;bottom:392px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3v_194\" style=\"left:909px;bottom:392px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3w_194\" style=\"left:957px;bottom:392px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3x_194\" style=\"left:1007px;bottom:392px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3y_194\" style=\"left:1078px;bottom:392px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3z_194\" style=\"left:1134px;bottom:392px;letter-spacing:-0.26px;display:inline;\">90.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t40_194\" style=\"left:1176px;bottom:392px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t41_194\" style=\"left:890px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,900.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t42_194\" style=\"left:946px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,932.3 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t43_194\" style=\"left:1059px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,738.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t44_194\" style=\"left:1115px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,744.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\n                                        </table><div></div><div class=\"t s4_195\" id=\"t5_195\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t6_195\" style=\"left:320px;bottom:698px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tf_195\" style=\"left:438px;bottom:698px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tk_195\" style=\"left:489px;bottom:698px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tt_195\" style=\"left:607px;bottom:698px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t7_195\" style=\"left:302px;bottom:684px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tb_195\" style=\"left:382px;bottom:684px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tg_195\" style=\"left:428px;bottom:684px;letter-spacing:-0.22px;display:inline;\">Value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tl_195\" style=\"left:472px;bottom:684px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tp_195\" style=\"left:551px;bottom:684px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tu_195\" style=\"left:598px;bottom:684px;letter-spacing:-0.21px;display:inline;\">Value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t8_195\" style=\"left:305px;bottom:670px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tc_195\" style=\"left:374px;bottom:670px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"th_195\" style=\"left:408px;bottom:670px;letter-spacing:-0.08px;display:inline;\">hierarchy </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tm_195\" style=\"left:475px;bottom:670px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tq_195\" style=\"left:543px;bottom:670px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tv_195\" style=\"left:578px;bottom:670px;letter-spacing:-0.09px;display:inline;\">hierarchy </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t9_195\" style=\"left:318px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"td_195\" style=\"left:375px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"ti_195\" style=\"left:434px;bottom:657px;letter-spacing:-0.14px;display:inline;\">level </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tn_195\" style=\"left:487px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tr_195\" style=\"left:544px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tw_195\" style=\"left:603px;bottom:657px;letter-spacing:-0.13px;display:inline;\">level </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"ta_195\" style=\"left:303px;bottom:643px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"te_195\" style=\"left:359px;bottom:643px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tj_195\" style=\"left:431px;bottom:643px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"to_195\" style=\"left:473px;bottom:643px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"ts_195\" style=\"left:529px;bottom:643px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tx_195\" style=\"left:600px;bottom:643px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"ty_195\" style=\"left:65px;bottom:623px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"tz_195\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;display:inline;\">account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t10_195\" style=\"left:312px;bottom:606px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t11_195\" style=\"left:368px;bottom:606px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t12_195\" style=\"left:418px;bottom:606px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t13_195\" style=\"left:481px;bottom:606px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t14_195\" style=\"left:537px;bottom:606px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t15_195\" style=\"left:587px;bottom:606px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t16_195\" style=\"left:65px;bottom:586px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t17_195\" style=\"left:320px;bottom:586px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t18_195\" style=\"left:376px;bottom:586px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t19_195\" style=\"left:418px;bottom:586px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1a_195\" style=\"left:489px;bottom:586px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1b_195\" style=\"left:545px;bottom:586px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1c_195\" style=\"left:587px;bottom:586px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1d_195\" style=\"left:65px;bottom:567px;letter-spacing:-0.25px;display:inline;\">Debt securities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1e_195\" style=\"left:328px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1f_195\" style=\"left:384px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1g_195\" style=\"left:418px;bottom:567px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1h_195\" style=\"left:508px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1i_195\" style=\"left:564px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1j_195\" style=\"left:620px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1k_195\" style=\"left:65px;bottom:547px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1l_195\" style=\"left:302px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1m_195\" style=\"left:358px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,289.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1n_195\" style=\"left:418px;bottom:547px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1o_195\" style=\"left:470px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1p_195\" style=\"left:527px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,612.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1q_195\" style=\"left:587px;bottom:547px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1r_195\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1s_195\" style=\"left:328px;bottom:527px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1t_195\" style=\"left:384px;bottom:527px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1u_195\" style=\"left:418px;bottom:527px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1v_195\" style=\"left:489px;bottom:527px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1w_195\" style=\"left:545px;bottom:527px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1x_195\" style=\"left:587px;bottom:527px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1y_195\" style=\"left:65px;bottom:507px;letter-spacing:-0.24px;display:inline;\">Other financial assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1z_195\" style=\"left:320px;bottom:507px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t20_195\" style=\"left:376px;bottom:507px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t21_195\" style=\"left:418px;bottom:507px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t22_195\" style=\"left:497px;bottom:507px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t23_195\" style=\"left:553px;bottom:507px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t24_195\" style=\"left:587px;bottom:507px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t25_195\" style=\"left:301px;bottom:488px;letter-spacing:-0.25px;display:inline;\">3,887.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t26_195\" style=\"left:358px;bottom:488px;letter-spacing:-0.25px;display:inline;\">3,881.1 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t27_195\" style=\"left:470px;bottom:488px;letter-spacing:-0.25px;display:inline;\">4,095.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t28_195\" style=\"left:526px;bottom:488px;letter-spacing:-0.25px;display:inline;\">4,099.2 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t29_195\" style=\"left:65px;bottom:468px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2a_195\" style=\"left:312px;bottom:468px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2b_195\" style=\"left:368px;bottom:468px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2c_195\" style=\"left:418px;bottom:468px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2d_195\" style=\"left:481px;bottom:468px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2e_195\" style=\"left:537px;bottom:468px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2f_195\" style=\"left:587px;bottom:468px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2g_195\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2h_195\" style=\"left:302px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2i_195\" style=\"left:358px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,530.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2j_195\" style=\"left:418px;bottom:448px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2k_195\" style=\"left:470px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2l_195\" style=\"left:527px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,254.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2m_195\" style=\"left:587px;bottom:448px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2n_195\" style=\"left:65px;bottom:428px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2o_195\" style=\"left:328px;bottom:428px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2p_195\" style=\"left:384px;bottom:428px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2q_195\" style=\"left:418px;bottom:428px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2r_195\" style=\"left:489px;bottom:428px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2s_195\" style=\"left:545px;bottom:428px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2t_195\" style=\"left:587px;bottom:428px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2u_195\" style=\"left:65px;bottom:409px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2v_195\" style=\"left:328px;bottom:409px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2w_195\" style=\"left:384px;bottom:409px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2x_195\" style=\"left:418px;bottom:409px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2y_195\" style=\"left:497px;bottom:409px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2z_195\" style=\"left:553px;bottom:409px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t30_195\" style=\"left:587px;bottom:409px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t31_195\" style=\"left:65px;bottom:389px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t32_195\" style=\"left:312px;bottom:389px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t33_195\" style=\"left:368px;bottom:389px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t34_195\" style=\"left:418px;bottom:389px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t35_195\" style=\"left:489px;bottom:389px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t36_195\" style=\"left:545px;bottom:389px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t37_195\" style=\"left:587px;bottom:389px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t38_195\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t39_195\" style=\"left:320px;bottom:369px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3a_195\" style=\"left:368px;bottom:369px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t3b_195\" style=\"left:418px;bottom:369px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3c_195\" style=\"left:489px;bottom:369px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3d_195\" style=\"left:545px;bottom:369px;letter-spacing:-0.26px;display:inline;\">90.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t3e_195\" style=\"left:587px;bottom:369px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3f_195\" style=\"left:301px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,914.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3g_195\" style=\"left:358px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,945.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3h_195\" style=\"left:470px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,749.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3i_195\" style=\"left:526px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,755.2 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_195\" id=\"t3j_195\" style=\"left:65px;bottom:329px;letter-spacing:-0.38px;display:inline;\">Fair value classification </div><div class=\"t s7_195\" id=\"t3k_195\" style=\"left:65px;bottom:306px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The tables above include the fair values and fair value hierarchies of the Group and Company\u2019s </div><div class=\"t s7_195\" id=\"t3l_195\" style=\"left:65px;bottom:290px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets and liabilities. The Group measures fair value using the following fair value hierarchy </div><div class=\"t s7_195\" id=\"t3m_195\" style=\"left:65px;bottom:274px;letter-spacing:-0.38px;display:inline;\">that reflects the significance of the inputs used in making measurements. </div><div class=\"t s7_195\" id=\"t3n_195\" style=\"left:65px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.26px;display:inline;\">\u2022 Level 1: Quoted prices in active markets for identical assets or liabilities. </div><div class=\"t s7_195\" id=\"t3o_195\" style=\"left:65px;bottom:231px;letter-spacing:-0.39px;word-spacing:0.19px;display:inline;\">\u2022 Level 2: Inputs other than quoted prices included within Level 1 that are observable for the asset </div><div class=\"t s7_195\" id=\"t3p_195\" style=\"left:78px;bottom:215px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices). </div><div class=\"t s7_195\" id=\"t3q_195\" style=\"left:65px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 Level 3: Inputs for the asset or liability that are not based on observable market data </div><div class=\"t s7_195\" id=\"t3r_195\" style=\"left:78px;bottom:179px;letter-spacing:-0.38px;display:inline;\">(unobservable inputs). </div><div class=\"t sa_195\" id=\"t3s_195\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">Debt securities </div><div class=\"t s7_195\" id=\"t3t_195\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;display:inline;\">The fair value of debt securities is based on the quoted price where available. </div><div class=\"t sa_195\" id=\"t3u_195\" style=\"left:654px;bottom:697px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Loans and advances to customers and Deposits from customers </div><div class=\"t s7_195\" id=\"t3v_195\" style=\"left:654px;bottom:677px;letter-spacing:-0.37px;display:inline;\">The fair value of the financial assets and liabilities is calculated based upon the present value of the </div><div class=\"t s7_195\" id=\"t3w_195\" style=\"left:654px;bottom:661px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">expected future principal and interest cash flows. The rate used to discount the cash flows was a </div><div class=\"t s7_195\" id=\"t3x_195\" style=\"left:654px;bottom:645px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">market rate of interest at the balance sheet date. For loans and advances to customers, the same </div><div class=\"t s7_195\" id=\"t3y_195\" style=\"left:654px;bottom:629px;letter-spacing:-0.38px;display:inline;\">assumptions regarding the risk of default were applied as those used to derive the carrying value. </div><div class=\"t sa_195\" id=\"t3z_195\" style=\"left:654px;bottom:606px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div><div class=\"t s7_195\" id=\"t40_195\" style=\"left:654px;bottom:586px;letter-spacing:-0.38px;display:inline;\">The fair value of derivative financial instruments is calculated based on the present value of the </div><div class=\"t s7_195\" id=\"t41_195\" style=\"left:654px;bottom:570px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expected future cash flows of the instruments. The rate used to discount the cash flows was the </div><div class=\"t s7_195\" id=\"t42_195\" style=\"left:654px;bottom:554px;letter-spacing:-0.39px;display:inline;\">SONIA forward curve at the balance sheet date. </div><div class=\"t sa_195\" id=\"t43_195\" style=\"left:654px;bottom:531px;letter-spacing:-0.38px;display:inline;\">Subordinated liabilities </div><div class=\"t s7_195\" id=\"t44_195\" style=\"left:654px;bottom:511px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The fair value of subordinated liabilities is calculated based on quoted market prices where </div><div class=\"t s7_195\" id=\"t45_195\" style=\"left:654px;bottom:495px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">available, or where an active market quote is not available, it is calculated based on the present </div><div class=\"t s7_195\" id=\"t46_195\" style=\"left:654px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value of the expected future cash flows of the instruments. The rate used to discount the cash </div><div class=\"t s8_195\" id=\"t47_195\" style=\"left:654px;bottom:463px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">flows was the UK Government five year bond plus the initial spread on the instruments. </div><div class=\"t s7_195\" id=\"t48_195\" style=\"left:654px;bottom:440px;letter-spacing:-0.37px;word-spacing:0.01px;display:inline;\">For all remaining financial assets and liabilities, the fair value of financial assets and liabilities is </div><span>calculated to be equivalent to their carrying value due to their short maturity dates.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00383": {
   "value": "<span>43. Classification of financial assets and liabilities </span><div class=\"t s4_194\" id=\"tn_194\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;display:inline;\">All financial assets and liabilities at 31 December 2025 and 31 December 2024 were carried at </div><div class=\"t s4_194\" id=\"to_194\" style=\"left:65px;bottom:398px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amortised cost, except for derivative financial instruments that are at fair value through profit and </div><div class=\"t s4_194\" id=\"tp_194\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">loss. Therefore, for these assets and liabilities, the fair value hierarchy noted below relates to the </div><div class=\"t s4_194\" id=\"tq_194\" style=\"left:65px;bottom:366px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">disclosure in this note only. </div><div class=\"t s7_194\" id=\"tr_194\" style=\"left:654px;bottom:738px;letter-spacing:-0.15px;display:inline;\">Group </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"ts_194\" style=\"left:909px;bottom:721px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t11_194\" style=\"left:1027px;bottom:721px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t16_194\" style=\"left:1078px;bottom:721px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1f_194\" style=\"left:1196px;bottom:721px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tt_194\" style=\"left:891px;bottom:707px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tx_194\" style=\"left:971px;bottom:707px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t12_194\" style=\"left:1017px;bottom:707px;letter-spacing:-0.22px;display:inline;\">Value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t17_194\" style=\"left:1061px;bottom:707px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1b_194\" style=\"left:1140px;bottom:707px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1g_194\" style=\"left:1187px;bottom:707px;letter-spacing:-0.21px;display:inline;\">Value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tu_194\" style=\"left:894px;bottom:694px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"ty_194\" style=\"left:963px;bottom:694px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t13_194\" style=\"left:997px;bottom:694px;letter-spacing:-0.08px;display:inline;\">hierarchy </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t18_194\" style=\"left:1064px;bottom:694px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1c_194\" style=\"left:1132px;bottom:694px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1h_194\" style=\"left:1167px;bottom:694px;letter-spacing:-0.09px;display:inline;\">hierarchy </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tv_194\" style=\"left:907px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tz_194\" style=\"left:964px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t14_194\" style=\"left:1023px;bottom:680px;letter-spacing:-0.14px;display:inline;\">level </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t19_194\" style=\"left:1076px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1d_194\" style=\"left:1133px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1i_194\" style=\"left:1192px;bottom:680px;letter-spacing:-0.13px;display:inline;\">level </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tw_194\" style=\"left:892px;bottom:666px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t10_194\" style=\"left:948px;bottom:666px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t15_194\" style=\"left:1020px;bottom:666px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1a_194\" style=\"left:1062px;bottom:666px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1e_194\" style=\"left:1118px;bottom:666px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1j_194\" style=\"left:1189px;bottom:666px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1k_194\" style=\"left:654px;bottom:646px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1l_194\" style=\"left:654px;bottom:629px;letter-spacing:-0.26px;display:inline;\">account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1m_194\" style=\"left:901px;bottom:629px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1n_194\" style=\"left:957px;bottom:629px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1o_194\" style=\"left:1007px;bottom:629px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1p_194\" style=\"left:1070px;bottom:629px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1q_194\" style=\"left:1126px;bottom:629px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1r_194\" style=\"left:1176px;bottom:629px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1s_194\" style=\"left:654px;bottom:609px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1t_194\" style=\"left:909px;bottom:609px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1u_194\" style=\"left:965px;bottom:609px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1v_194\" style=\"left:1007px;bottom:609px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1w_194\" style=\"left:1078px;bottom:609px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1x_194\" style=\"left:1134px;bottom:609px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1y_194\" style=\"left:1176px;bottom:609px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1z_194\" style=\"left:654px;bottom:590px;letter-spacing:-0.25px;display:inline;\">Debt securities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t20_194\" style=\"left:917px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t21_194\" style=\"left:973px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t22_194\" style=\"left:1007px;bottom:590px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t23_194\" style=\"left:1097px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t24_194\" style=\"left:1153px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t25_194\" style=\"left:1209px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t26_194\" style=\"left:654px;bottom:570px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t27_194\" style=\"left:891px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t28_194\" style=\"left:947px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,289.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t29_194\" style=\"left:1007px;bottom:570px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2a_194\" style=\"left:1059px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2b_194\" style=\"left:1116px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,612.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2c_194\" style=\"left:1176px;bottom:570px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2d_194\" style=\"left:654px;bottom:550px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2e_194\" style=\"left:917px;bottom:550px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2f_194\" style=\"left:973px;bottom:550px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2g_194\" style=\"left:1007px;bottom:550px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2h_194\" style=\"left:1078px;bottom:550px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2i_194\" style=\"left:1134px;bottom:550px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2j_194\" style=\"left:1176px;bottom:550px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2k_194\" style=\"left:654px;bottom:530px;letter-spacing:-0.24px;display:inline;\">Other financial assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2l_194\" style=\"left:917px;bottom:530px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2m_194\" style=\"left:973px;bottom:530px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2n_194\" style=\"left:1007px;bottom:530px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2o_194\" style=\"left:1086px;bottom:530px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2p_194\" style=\"left:1142px;bottom:530px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2q_194\" style=\"left:1176px;bottom:530px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2r_194\" style=\"left:890px;bottom:511px;letter-spacing:-0.25px;display:inline;\">3,863.6 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2s_194\" style=\"left:946px;bottom:511px;letter-spacing:-0.25px;display:inline;\">3,856.8 </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2t_194\" style=\"left:1059px;bottom:511px;letter-spacing:-0.25px;display:inline;\">4,093.8 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2u_194\" style=\"left:1115px;bottom:511px;letter-spacing:-0.25px;display:inline;\">4,097.6 </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2v_194\" style=\"left:654px;bottom:491px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2w_194\" style=\"left:901px;bottom:491px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2x_194\" style=\"left:957px;bottom:491px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2y_194\" style=\"left:1007px;bottom:491px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2z_194\" style=\"left:1070px;bottom:491px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t30_194\" style=\"left:1126px;bottom:491px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t31_194\" style=\"left:1176px;bottom:491px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t32_194\" style=\"left:654px;bottom:471px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t33_194\" style=\"left:891px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t34_194\" style=\"left:947px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,530.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t35_194\" style=\"left:1007px;bottom:471px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t36_194\" style=\"left:1059px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t37_194\" style=\"left:1116px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,254.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t38_194\" style=\"left:1176px;bottom:471px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t39_194\" style=\"left:654px;bottom:452px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3a_194\" style=\"left:917px;bottom:452px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3b_194\" style=\"left:973px;bottom:452px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3c_194\" style=\"left:1007px;bottom:452px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3d_194\" style=\"left:1078px;bottom:452px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3e_194\" style=\"left:1134px;bottom:452px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3f_194\" style=\"left:1176px;bottom:452px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3g_194\" style=\"left:654px;bottom:432px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3h_194\" style=\"left:917px;bottom:432px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3i_194\" style=\"left:973px;bottom:432px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3j_194\" style=\"left:1007px;bottom:432px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3k_194\" style=\"left:1086px;bottom:432px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3l_194\" style=\"left:1142px;bottom:432px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3m_194\" style=\"left:1176px;bottom:432px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3n_194\" style=\"left:654px;bottom:412px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3o_194\" style=\"left:909px;bottom:412px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3p_194\" style=\"left:965px;bottom:412px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3q_194\" style=\"left:1007px;bottom:412px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3r_194\" style=\"left:1078px;bottom:412px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3s_194\" style=\"left:1134px;bottom:412px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3t_194\" style=\"left:1176px;bottom:412px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3u_194\" style=\"left:654px;bottom:392px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3v_194\" style=\"left:909px;bottom:392px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3w_194\" style=\"left:957px;bottom:392px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3x_194\" style=\"left:1007px;bottom:392px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3y_194\" style=\"left:1078px;bottom:392px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3z_194\" style=\"left:1134px;bottom:392px;letter-spacing:-0.26px;display:inline;\">90.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t40_194\" style=\"left:1176px;bottom:392px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t41_194\" style=\"left:890px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,900.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t42_194\" style=\"left:946px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,932.3 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t43_194\" style=\"left:1059px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,738.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t44_194\" style=\"left:1115px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,744.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\n                                        </table><div></div><div class=\"t s4_195\" id=\"t5_195\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t6_195\" style=\"left:320px;bottom:698px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tf_195\" style=\"left:438px;bottom:698px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tk_195\" style=\"left:489px;bottom:698px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tt_195\" style=\"left:607px;bottom:698px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t7_195\" style=\"left:302px;bottom:684px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tb_195\" style=\"left:382px;bottom:684px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tg_195\" style=\"left:428px;bottom:684px;letter-spacing:-0.22px;display:inline;\">Value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tl_195\" style=\"left:472px;bottom:684px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tp_195\" style=\"left:551px;bottom:684px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tu_195\" style=\"left:598px;bottom:684px;letter-spacing:-0.21px;display:inline;\">Value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t8_195\" style=\"left:305px;bottom:670px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tc_195\" style=\"left:374px;bottom:670px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"th_195\" style=\"left:408px;bottom:670px;letter-spacing:-0.08px;display:inline;\">hierarchy </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tm_195\" style=\"left:475px;bottom:670px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tq_195\" style=\"left:543px;bottom:670px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tv_195\" style=\"left:578px;bottom:670px;letter-spacing:-0.09px;display:inline;\">hierarchy </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t9_195\" style=\"left:318px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"td_195\" style=\"left:375px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"ti_195\" style=\"left:434px;bottom:657px;letter-spacing:-0.14px;display:inline;\">level </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tn_195\" style=\"left:487px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tr_195\" style=\"left:544px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tw_195\" style=\"left:603px;bottom:657px;letter-spacing:-0.13px;display:inline;\">level </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"ta_195\" style=\"left:303px;bottom:643px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"te_195\" style=\"left:359px;bottom:643px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tj_195\" style=\"left:431px;bottom:643px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"to_195\" style=\"left:473px;bottom:643px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"ts_195\" style=\"left:529px;bottom:643px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tx_195\" style=\"left:600px;bottom:643px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"ty_195\" style=\"left:65px;bottom:623px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"tz_195\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;display:inline;\">account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t10_195\" style=\"left:312px;bottom:606px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t11_195\" style=\"left:368px;bottom:606px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t12_195\" style=\"left:418px;bottom:606px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t13_195\" style=\"left:481px;bottom:606px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t14_195\" style=\"left:537px;bottom:606px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t15_195\" style=\"left:587px;bottom:606px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t16_195\" style=\"left:65px;bottom:586px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t17_195\" style=\"left:320px;bottom:586px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t18_195\" style=\"left:376px;bottom:586px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t19_195\" style=\"left:418px;bottom:586px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1a_195\" style=\"left:489px;bottom:586px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1b_195\" style=\"left:545px;bottom:586px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1c_195\" style=\"left:587px;bottom:586px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1d_195\" style=\"left:65px;bottom:567px;letter-spacing:-0.25px;display:inline;\">Debt securities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1e_195\" style=\"left:328px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1f_195\" style=\"left:384px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1g_195\" style=\"left:418px;bottom:567px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1h_195\" style=\"left:508px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1i_195\" style=\"left:564px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1j_195\" style=\"left:620px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1k_195\" style=\"left:65px;bottom:547px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1l_195\" style=\"left:302px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1m_195\" style=\"left:358px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,289.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1n_195\" style=\"left:418px;bottom:547px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1o_195\" style=\"left:470px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1p_195\" style=\"left:527px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,612.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1q_195\" style=\"left:587px;bottom:547px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1r_195\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1s_195\" style=\"left:328px;bottom:527px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1t_195\" style=\"left:384px;bottom:527px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1u_195\" style=\"left:418px;bottom:527px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1v_195\" style=\"left:489px;bottom:527px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1w_195\" style=\"left:545px;bottom:527px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1x_195\" style=\"left:587px;bottom:527px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1y_195\" style=\"left:65px;bottom:507px;letter-spacing:-0.24px;display:inline;\">Other financial assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1z_195\" style=\"left:320px;bottom:507px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t20_195\" style=\"left:376px;bottom:507px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t21_195\" style=\"left:418px;bottom:507px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t22_195\" style=\"left:497px;bottom:507px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t23_195\" style=\"left:553px;bottom:507px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t24_195\" style=\"left:587px;bottom:507px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t25_195\" style=\"left:301px;bottom:488px;letter-spacing:-0.25px;display:inline;\">3,887.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t26_195\" style=\"left:358px;bottom:488px;letter-spacing:-0.25px;display:inline;\">3,881.1 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t27_195\" style=\"left:470px;bottom:488px;letter-spacing:-0.25px;display:inline;\">4,095.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t28_195\" style=\"left:526px;bottom:488px;letter-spacing:-0.25px;display:inline;\">4,099.2 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t29_195\" style=\"left:65px;bottom:468px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2a_195\" style=\"left:312px;bottom:468px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2b_195\" style=\"left:368px;bottom:468px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2c_195\" style=\"left:418px;bottom:468px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2d_195\" style=\"left:481px;bottom:468px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2e_195\" style=\"left:537px;bottom:468px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2f_195\" style=\"left:587px;bottom:468px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2g_195\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2h_195\" style=\"left:302px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2i_195\" style=\"left:358px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,530.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2j_195\" style=\"left:418px;bottom:448px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2k_195\" style=\"left:470px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2l_195\" style=\"left:527px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,254.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2m_195\" style=\"left:587px;bottom:448px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2n_195\" style=\"left:65px;bottom:428px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2o_195\" style=\"left:328px;bottom:428px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2p_195\" style=\"left:384px;bottom:428px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2q_195\" style=\"left:418px;bottom:428px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2r_195\" style=\"left:489px;bottom:428px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2s_195\" style=\"left:545px;bottom:428px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2t_195\" style=\"left:587px;bottom:428px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2u_195\" style=\"left:65px;bottom:409px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2v_195\" style=\"left:328px;bottom:409px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2w_195\" style=\"left:384px;bottom:409px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2x_195\" style=\"left:418px;bottom:409px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2y_195\" style=\"left:497px;bottom:409px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2z_195\" style=\"left:553px;bottom:409px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t30_195\" style=\"left:587px;bottom:409px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t31_195\" style=\"left:65px;bottom:389px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t32_195\" style=\"left:312px;bottom:389px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t33_195\" style=\"left:368px;bottom:389px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t34_195\" style=\"left:418px;bottom:389px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t35_195\" style=\"left:489px;bottom:389px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t36_195\" style=\"left:545px;bottom:389px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t37_195\" style=\"left:587px;bottom:389px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t38_195\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t39_195\" style=\"left:320px;bottom:369px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3a_195\" style=\"left:368px;bottom:369px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t3b_195\" style=\"left:418px;bottom:369px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3c_195\" style=\"left:489px;bottom:369px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3d_195\" style=\"left:545px;bottom:369px;letter-spacing:-0.26px;display:inline;\">90.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t3e_195\" style=\"left:587px;bottom:369px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3f_195\" style=\"left:301px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,914.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3g_195\" style=\"left:358px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,945.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3h_195\" style=\"left:470px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,749.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3i_195\" style=\"left:526px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,755.2 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_195\" id=\"t3j_195\" style=\"left:65px;bottom:329px;letter-spacing:-0.38px;display:inline;\">Fair value classification </div><div class=\"t s7_195\" id=\"t3k_195\" style=\"left:65px;bottom:306px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The tables above include the fair values and fair value hierarchies of the Group and Company\u2019s </div><div class=\"t s7_195\" id=\"t3l_195\" style=\"left:65px;bottom:290px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets and liabilities. The Group measures fair value using the following fair value hierarchy </div><div class=\"t s7_195\" id=\"t3m_195\" style=\"left:65px;bottom:274px;letter-spacing:-0.38px;display:inline;\">that reflects the significance of the inputs used in making measurements. </div><div class=\"t s7_195\" id=\"t3n_195\" style=\"left:65px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.26px;display:inline;\">\u2022 Level 1: Quoted prices in active markets for identical assets or liabilities. </div><div class=\"t s7_195\" id=\"t3o_195\" style=\"left:65px;bottom:231px;letter-spacing:-0.39px;word-spacing:0.19px;display:inline;\">\u2022 Level 2: Inputs other than quoted prices included within Level 1 that are observable for the asset </div><div class=\"t s7_195\" id=\"t3p_195\" style=\"left:78px;bottom:215px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices). </div><div class=\"t s7_195\" id=\"t3q_195\" style=\"left:65px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 Level 3: Inputs for the asset or liability that are not based on observable market data </div><div class=\"t s7_195\" id=\"t3r_195\" style=\"left:78px;bottom:179px;letter-spacing:-0.38px;display:inline;\">(unobservable inputs). </div><div class=\"t sa_195\" id=\"t3s_195\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">Debt securities </div><div class=\"t s7_195\" id=\"t3t_195\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;display:inline;\">The fair value of debt securities is based on the quoted price where available. </div><div class=\"t sa_195\" id=\"t3u_195\" style=\"left:654px;bottom:697px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Loans and advances to customers and Deposits from customers </div><div class=\"t s7_195\" id=\"t3v_195\" style=\"left:654px;bottom:677px;letter-spacing:-0.37px;display:inline;\">The fair value of the financial assets and liabilities is calculated based upon the present value of the </div><div class=\"t s7_195\" id=\"t3w_195\" style=\"left:654px;bottom:661px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">expected future principal and interest cash flows. The rate used to discount the cash flows was a </div><div class=\"t s7_195\" id=\"t3x_195\" style=\"left:654px;bottom:645px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">market rate of interest at the balance sheet date. For loans and advances to customers, the same </div><div class=\"t s7_195\" id=\"t3y_195\" style=\"left:654px;bottom:629px;letter-spacing:-0.38px;display:inline;\">assumptions regarding the risk of default were applied as those used to derive the carrying value. </div><div class=\"t sa_195\" id=\"t3z_195\" style=\"left:654px;bottom:606px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div><div class=\"t s7_195\" id=\"t40_195\" style=\"left:654px;bottom:586px;letter-spacing:-0.38px;display:inline;\">The fair value of derivative financial instruments is calculated based on the present value of the </div><div class=\"t s7_195\" id=\"t41_195\" style=\"left:654px;bottom:570px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expected future cash flows of the instruments. The rate used to discount the cash flows was the </div><div class=\"t s7_195\" id=\"t42_195\" style=\"left:654px;bottom:554px;letter-spacing:-0.39px;display:inline;\">SONIA forward curve at the balance sheet date. </div><div class=\"t sa_195\" id=\"t43_195\" style=\"left:654px;bottom:531px;letter-spacing:-0.38px;display:inline;\">Subordinated liabilities </div><div class=\"t s7_195\" id=\"t44_195\" style=\"left:654px;bottom:511px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The fair value of subordinated liabilities is calculated based on quoted market prices where </div><div class=\"t s7_195\" id=\"t45_195\" style=\"left:654px;bottom:495px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">available, or where an active market quote is not available, it is calculated based on the present </div><div class=\"t s7_195\" id=\"t46_195\" style=\"left:654px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value of the expected future cash flows of the instruments. The rate used to discount the cash </div><div class=\"t s8_195\" id=\"t47_195\" style=\"left:654px;bottom:463px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">flows was the UK Government five year bond plus the initial spread on the instruments. </div><div class=\"t s7_195\" id=\"t48_195\" style=\"left:654px;bottom:440px;letter-spacing:-0.37px;word-spacing:0.01px;display:inline;\">For all remaining financial assets and liabilities, the fair value of financial assets and liabilities is </div><span>calculated to be equivalent to their carrying value due to their short maturity dates.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00384": {
   "value": "<span>43. Classification of financial assets and liabilities </span><div class=\"t s4_194\" id=\"tn_194\" style=\"left:65px;bottom:414px;letter-spacing:-0.38px;display:inline;\">All financial assets and liabilities at 31 December 2025 and 31 December 2024 were carried at </div><div class=\"t s4_194\" id=\"to_194\" style=\"left:65px;bottom:398px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">amortised cost, except for derivative financial instruments that are at fair value through profit and </div><div class=\"t s4_194\" id=\"tp_194\" style=\"left:65px;bottom:382px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">loss. Therefore, for these assets and liabilities, the fair value hierarchy noted below relates to the </div><div class=\"t s4_194\" id=\"tq_194\" style=\"left:65px;bottom:366px;letter-spacing:-0.41px;word-spacing:0.04px;display:inline;\">disclosure in this note only. </div><div class=\"t s7_194\" id=\"tr_194\" style=\"left:654px;bottom:738px;letter-spacing:-0.15px;display:inline;\">Group </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"ts_194\" style=\"left:909px;bottom:721px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t11_194\" style=\"left:1027px;bottom:721px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t16_194\" style=\"left:1078px;bottom:721px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1f_194\" style=\"left:1196px;bottom:721px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tt_194\" style=\"left:891px;bottom:707px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tx_194\" style=\"left:971px;bottom:707px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t12_194\" style=\"left:1017px;bottom:707px;letter-spacing:-0.22px;display:inline;\">Value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t17_194\" style=\"left:1061px;bottom:707px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1b_194\" style=\"left:1140px;bottom:707px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1g_194\" style=\"left:1187px;bottom:707px;letter-spacing:-0.21px;display:inline;\">Value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tu_194\" style=\"left:894px;bottom:694px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"ty_194\" style=\"left:963px;bottom:694px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t13_194\" style=\"left:997px;bottom:694px;letter-spacing:-0.08px;display:inline;\">hierarchy </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t18_194\" style=\"left:1064px;bottom:694px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1c_194\" style=\"left:1132px;bottom:694px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1h_194\" style=\"left:1167px;bottom:694px;letter-spacing:-0.09px;display:inline;\">hierarchy </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tv_194\" style=\"left:907px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tz_194\" style=\"left:964px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t14_194\" style=\"left:1023px;bottom:680px;letter-spacing:-0.14px;display:inline;\">level </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t19_194\" style=\"left:1076px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1d_194\" style=\"left:1133px;bottom:680px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1i_194\" style=\"left:1192px;bottom:680px;letter-spacing:-0.13px;display:inline;\">level </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"tw_194\" style=\"left:892px;bottom:666px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t10_194\" style=\"left:948px;bottom:666px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_194\" id=\"t15_194\" style=\"left:1020px;bottom:666px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1a_194\" style=\"left:1062px;bottom:666px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1e_194\" style=\"left:1118px;bottom:666px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_194\" id=\"t1j_194\" style=\"left:1189px;bottom:666px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1k_194\" style=\"left:654px;bottom:646px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1l_194\" style=\"left:654px;bottom:629px;letter-spacing:-0.26px;display:inline;\">account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1m_194\" style=\"left:901px;bottom:629px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1n_194\" style=\"left:957px;bottom:629px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1o_194\" style=\"left:1007px;bottom:629px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1p_194\" style=\"left:1070px;bottom:629px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1q_194\" style=\"left:1126px;bottom:629px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1r_194\" style=\"left:1176px;bottom:629px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1s_194\" style=\"left:654px;bottom:609px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1t_194\" style=\"left:909px;bottom:609px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1u_194\" style=\"left:965px;bottom:609px;letter-spacing:-0.26px;display:inline;\">36.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1v_194\" style=\"left:1007px;bottom:609px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1w_194\" style=\"left:1078px;bottom:609px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t1x_194\" style=\"left:1134px;bottom:609px;letter-spacing:-0.26px;display:inline;\">24.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1y_194\" style=\"left:1176px;bottom:609px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t1z_194\" style=\"left:654px;bottom:590px;letter-spacing:-0.25px;display:inline;\">Debt securities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t20_194\" style=\"left:917px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t21_194\" style=\"left:973px;bottom:590px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t22_194\" style=\"left:1007px;bottom:590px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t23_194\" style=\"left:1097px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t24_194\" style=\"left:1153px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t25_194\" style=\"left:1209px;bottom:590px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t26_194\" style=\"left:654px;bottom:570px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t27_194\" style=\"left:891px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t28_194\" style=\"left:947px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,289.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t29_194\" style=\"left:1007px;bottom:570px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2a_194\" style=\"left:1059px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2b_194\" style=\"left:1116px;bottom:570px;letter-spacing:-0.25px;display:inline;\">3,612.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2c_194\" style=\"left:1176px;bottom:570px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2d_194\" style=\"left:654px;bottom:550px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2e_194\" style=\"left:917px;bottom:550px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2f_194\" style=\"left:973px;bottom:550px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2g_194\" style=\"left:1007px;bottom:550px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2h_194\" style=\"left:1078px;bottom:550px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2i_194\" style=\"left:1134px;bottom:550px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2j_194\" style=\"left:1176px;bottom:550px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2k_194\" style=\"left:654px;bottom:530px;letter-spacing:-0.24px;display:inline;\">Other financial assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2l_194\" style=\"left:917px;bottom:530px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2m_194\" style=\"left:973px;bottom:530px;letter-spacing:-0.25px;display:inline;\">1.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2n_194\" style=\"left:1007px;bottom:530px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2o_194\" style=\"left:1086px;bottom:530px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2p_194\" style=\"left:1142px;bottom:530px;letter-spacing:-0.25px;display:inline;\">2.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2q_194\" style=\"left:1176px;bottom:530px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2r_194\" style=\"left:890px;bottom:511px;letter-spacing:-0.25px;display:inline;\">3,863.6 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2s_194\" style=\"left:946px;bottom:511px;letter-spacing:-0.25px;display:inline;\">3,856.8 </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2t_194\" style=\"left:1059px;bottom:511px;letter-spacing:-0.25px;display:inline;\">4,093.8 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t2u_194\" style=\"left:1115px;bottom:511px;letter-spacing:-0.25px;display:inline;\">4,097.6 </div></td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2v_194\" style=\"left:654px;bottom:491px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2w_194\" style=\"left:901px;bottom:491px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2x_194\" style=\"left:957px;bottom:491px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t2y_194\" style=\"left:1007px;bottom:491px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t2z_194\" style=\"left:1070px;bottom:491px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t30_194\" style=\"left:1126px;bottom:491px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t31_194\" style=\"left:1176px;bottom:491px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t32_194\" style=\"left:654px;bottom:471px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t33_194\" style=\"left:891px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t34_194\" style=\"left:947px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,530.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t35_194\" style=\"left:1007px;bottom:471px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t36_194\" style=\"left:1059px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t37_194\" style=\"left:1116px;bottom:471px;letter-spacing:-0.25px;display:inline;\">3,254.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t38_194\" style=\"left:1176px;bottom:471px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t39_194\" style=\"left:654px;bottom:452px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3a_194\" style=\"left:917px;bottom:452px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3b_194\" style=\"left:973px;bottom:452px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3c_194\" style=\"left:1007px;bottom:452px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3d_194\" style=\"left:1078px;bottom:452px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3e_194\" style=\"left:1134px;bottom:452px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3f_194\" style=\"left:1176px;bottom:452px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3g_194\" style=\"left:654px;bottom:432px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3h_194\" style=\"left:917px;bottom:432px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3i_194\" style=\"left:973px;bottom:432px;letter-spacing:-0.25px;display:inline;\">4.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3j_194\" style=\"left:1007px;bottom:432px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3k_194\" style=\"left:1086px;bottom:432px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3l_194\" style=\"left:1142px;bottom:432px;letter-spacing:-0.25px;display:inline;\">1.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3m_194\" style=\"left:1176px;bottom:432px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3n_194\" style=\"left:654px;bottom:412px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3o_194\" style=\"left:909px;bottom:412px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3p_194\" style=\"left:965px;bottom:412px;letter-spacing:-0.26px;display:inline;\">87.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3q_194\" style=\"left:1007px;bottom:412px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3r_194\" style=\"left:1078px;bottom:412px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3s_194\" style=\"left:1134px;bottom:412px;letter-spacing:-0.26px;display:inline;\">23.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3t_194\" style=\"left:1176px;bottom:412px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3u_194\" style=\"left:654px;bottom:392px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3v_194\" style=\"left:909px;bottom:392px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3w_194\" style=\"left:957px;bottom:392px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t3x_194\" style=\"left:1007px;bottom:392px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3y_194\" style=\"left:1078px;bottom:392px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_194\" id=\"t3z_194\" style=\"left:1134px;bottom:392px;letter-spacing:-0.26px;display:inline;\">90.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_194\" id=\"t40_194\" style=\"left:1176px;bottom:392px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t41_194\" style=\"left:890px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,900.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t42_194\" style=\"left:946px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,932.3 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t43_194\" style=\"left:1059px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,738.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t sa_194\" id=\"t44_194\" style=\"left:1115px;bottom:373px;letter-spacing:-0.25px;display:inline;\">3,744.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\">\u00a0</td>\n\t\t</tr>\n\t\n                                        </table><div></div><div class=\"t s4_195\" id=\"t5_195\" style=\"left:65px;bottom:715px;letter-spacing:-0.19px;display:inline;\">Company </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t6_195\" style=\"left:320px;bottom:698px;letter-spacing:-0.35px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tf_195\" style=\"left:438px;bottom:698px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tk_195\" style=\"left:489px;bottom:698px;letter-spacing:-0.36px;display:inline;\">Total </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tt_195\" style=\"left:607px;bottom:698px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t7_195\" style=\"left:302px;bottom:684px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tb_195\" style=\"left:382px;bottom:684px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tg_195\" style=\"left:428px;bottom:684px;letter-spacing:-0.22px;display:inline;\">Value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tl_195\" style=\"left:472px;bottom:684px;letter-spacing:-0.03px;display:inline;\">carrying </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tp_195\" style=\"left:551px;bottom:684px;letter-spacing:-0.05px;display:inline;\">Fair </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tu_195\" style=\"left:598px;bottom:684px;letter-spacing:-0.21px;display:inline;\">Value </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t8_195\" style=\"left:305px;bottom:670px;letter-spacing:-0.01px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tc_195\" style=\"left:374px;bottom:670px;letter-spacing:-0.03px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"th_195\" style=\"left:408px;bottom:670px;letter-spacing:-0.08px;display:inline;\">hierarchy </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tm_195\" style=\"left:475px;bottom:670px;letter-spacing:-0.02px;display:inline;\">amount </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tq_195\" style=\"left:543px;bottom:670px;letter-spacing:-0.04px;display:inline;\">value </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tv_195\" style=\"left:578px;bottom:670px;letter-spacing:-0.09px;display:inline;\">hierarchy </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"t9_195\" style=\"left:318px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"td_195\" style=\"left:375px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"ti_195\" style=\"left:434px;bottom:657px;letter-spacing:-0.14px;display:inline;\">level </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tn_195\" style=\"left:487px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tr_195\" style=\"left:544px;bottom:657px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tw_195\" style=\"left:603px;bottom:657px;letter-spacing:-0.13px;display:inline;\">level </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"ta_195\" style=\"left:303px;bottom:643px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"te_195\" style=\"left:359px;bottom:643px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_195\" id=\"tj_195\" style=\"left:431px;bottom:643px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"to_195\" style=\"left:473px;bottom:643px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"ts_195\" style=\"left:529px;bottom:643px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_195\" id=\"tx_195\" style=\"left:600px;bottom:643px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"ty_195\" style=\"left:65px;bottom:623px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Cash and Bank of England reserve </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"tz_195\" style=\"left:65px;bottom:606px;letter-spacing:-0.26px;display:inline;\">account </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t10_195\" style=\"left:312px;bottom:606px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t11_195\" style=\"left:368px;bottom:606px;letter-spacing:-0.26px;display:inline;\">528.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t12_195\" style=\"left:418px;bottom:606px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t13_195\" style=\"left:481px;bottom:606px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t14_195\" style=\"left:537px;bottom:606px;letter-spacing:-0.26px;display:inline;\">445.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t15_195\" style=\"left:587px;bottom:606px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t16_195\" style=\"left:65px;bottom:586px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t17_195\" style=\"left:320px;bottom:586px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t18_195\" style=\"left:376px;bottom:586px;letter-spacing:-0.26px;display:inline;\">36.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t19_195\" style=\"left:418px;bottom:586px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1a_195\" style=\"left:489px;bottom:586px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1b_195\" style=\"left:545px;bottom:586px;letter-spacing:-0.26px;display:inline;\">23.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1c_195\" style=\"left:587px;bottom:586px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1d_195\" style=\"left:65px;bottom:567px;letter-spacing:-0.25px;display:inline;\">Debt securities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1e_195\" style=\"left:328px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1f_195\" style=\"left:384px;bottom:567px;letter-spacing:-0.25px;display:inline;\">1.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1g_195\" style=\"left:418px;bottom:567px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1h_195\" style=\"left:508px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1i_195\" style=\"left:564px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1j_195\" style=\"left:620px;bottom:567px;display:inline;\">\u2013 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1k_195\" style=\"left:65px;bottom:547px;letter-spacing:-0.26px;word-spacing:0.01px;display:inline;\">Loans and advances to customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1l_195\" style=\"left:302px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,295.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1m_195\" style=\"left:358px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,289.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1n_195\" style=\"left:418px;bottom:547px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1o_195\" style=\"left:470px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,608.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1p_195\" style=\"left:527px;bottom:547px;letter-spacing:-0.25px;display:inline;\">3,612.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1q_195\" style=\"left:587px;bottom:547px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1r_195\" style=\"left:65px;bottom:527px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1s_195\" style=\"left:328px;bottom:527px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1t_195\" style=\"left:384px;bottom:527px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1u_195\" style=\"left:418px;bottom:527px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1v_195\" style=\"left:489px;bottom:527px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1w_195\" style=\"left:545px;bottom:527px;letter-spacing:-0.26px;display:inline;\">14.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1x_195\" style=\"left:587px;bottom:527px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t1y_195\" style=\"left:65px;bottom:507px;letter-spacing:-0.24px;display:inline;\">Other financial assets </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t1z_195\" style=\"left:320px;bottom:507px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t20_195\" style=\"left:376px;bottom:507px;letter-spacing:-0.26px;display:inline;\">26.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t21_195\" style=\"left:418px;bottom:507px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t22_195\" style=\"left:497px;bottom:507px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t23_195\" style=\"left:553px;bottom:507px;letter-spacing:-0.25px;display:inline;\">4.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t24_195\" style=\"left:587px;bottom:507px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t25_195\" style=\"left:301px;bottom:488px;letter-spacing:-0.25px;display:inline;\">3,887.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t26_195\" style=\"left:358px;bottom:488px;letter-spacing:-0.25px;display:inline;\">3,881.1 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t27_195\" style=\"left:470px;bottom:488px;letter-spacing:-0.25px;display:inline;\">4,095.4 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t28_195\" style=\"left:526px;bottom:488px;letter-spacing:-0.25px;display:inline;\">4,099.2 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t29_195\" style=\"left:65px;bottom:468px;letter-spacing:-0.25px;display:inline;\">Due to banks </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2a_195\" style=\"left:312px;bottom:468px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2b_195\" style=\"left:368px;bottom:468px;letter-spacing:-0.26px;display:inline;\">205.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2c_195\" style=\"left:418px;bottom:468px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2d_195\" style=\"left:481px;bottom:468px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2e_195\" style=\"left:537px;bottom:468px;letter-spacing:-0.26px;display:inline;\">365.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2f_195\" style=\"left:587px;bottom:468px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2g_195\" style=\"left:65px;bottom:448px;letter-spacing:-0.25px;display:inline;\">Deposits from customers </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2h_195\" style=\"left:302px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,509.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2i_195\" style=\"left:358px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,530.7 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2j_195\" style=\"left:418px;bottom:448px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2k_195\" style=\"left:470px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,244.9 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2l_195\" style=\"left:527px;bottom:448px;letter-spacing:-0.25px;display:inline;\">3,254.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2m_195\" style=\"left:587px;bottom:448px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2n_195\" style=\"left:65px;bottom:428px;letter-spacing:-0.25px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2o_195\" style=\"left:328px;bottom:428px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2p_195\" style=\"left:384px;bottom:428px;letter-spacing:-0.25px;display:inline;\">0.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2q_195\" style=\"left:418px;bottom:428px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2r_195\" style=\"left:489px;bottom:428px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2s_195\" style=\"left:545px;bottom:428px;letter-spacing:-0.26px;display:inline;\">10.0 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2t_195\" style=\"left:587px;bottom:428px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2u_195\" style=\"left:65px;bottom:409px;letter-spacing:-0.25px;word-spacing:0.02px;display:inline;\">Lease liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2v_195\" style=\"left:328px;bottom:409px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2w_195\" style=\"left:384px;bottom:409px;letter-spacing:-0.25px;display:inline;\">4.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t2x_195\" style=\"left:418px;bottom:409px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2y_195\" style=\"left:497px;bottom:409px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t2z_195\" style=\"left:553px;bottom:409px;letter-spacing:-0.25px;display:inline;\">1.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t30_195\" style=\"left:587px;bottom:409px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t31_195\" style=\"left:65px;bottom:389px;letter-spacing:-0.23px;display:inline;\">Other financial liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t32_195\" style=\"left:312px;bottom:389px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t33_195\" style=\"left:368px;bottom:389px;letter-spacing:-0.26px;display:inline;\">100.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t34_195\" style=\"left:418px;bottom:389px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t35_195\" style=\"left:489px;bottom:389px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t36_195\" style=\"left:545px;bottom:389px;letter-spacing:-0.26px;display:inline;\">33.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t37_195\" style=\"left:587px;bottom:389px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t38_195\" style=\"left:65px;bottom:369px;letter-spacing:-0.24px;display:inline;\">Subordinated liabilities </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t39_195\" style=\"left:320px;bottom:369px;letter-spacing:-0.26px;display:inline;\">93.5 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3a_195\" style=\"left:368px;bottom:369px;letter-spacing:-0.26px;display:inline;\">104.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t3b_195\" style=\"left:418px;bottom:369px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3c_195\" style=\"left:489px;bottom:369px;letter-spacing:-0.26px;display:inline;\">93.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s8_195\" id=\"t3d_195\" style=\"left:545px;bottom:369px;letter-spacing:-0.26px;display:inline;\">90.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s7_195\" id=\"t3e_195\" style=\"left:587px;bottom:369px;letter-spacing:-0.37px;word-spacing:0.12px;display:inline;\">Level 2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3f_195\" style=\"left:301px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,914.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3g_195\" style=\"left:358px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,945.9 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3h_195\" style=\"left:470px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,749.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s9_195\" id=\"t3i_195\" style=\"left:526px;bottom:349px;letter-spacing:-0.25px;display:inline;\">3,755.2 </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t sa_195\" id=\"t3j_195\" style=\"left:65px;bottom:329px;letter-spacing:-0.38px;display:inline;\">Fair value classification </div><div class=\"t s7_195\" id=\"t3k_195\" style=\"left:65px;bottom:306px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The tables above include the fair values and fair value hierarchies of the Group and Company\u2019s </div><div class=\"t s7_195\" id=\"t3l_195\" style=\"left:65px;bottom:290px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">financial assets and liabilities. The Group measures fair value using the following fair value hierarchy </div><div class=\"t s7_195\" id=\"t3m_195\" style=\"left:65px;bottom:274px;letter-spacing:-0.38px;display:inline;\">that reflects the significance of the inputs used in making measurements. </div><div class=\"t s7_195\" id=\"t3n_195\" style=\"left:65px;bottom:251px;letter-spacing:-0.39px;word-spacing:0.26px;display:inline;\">\u2022 Level 1: Quoted prices in active markets for identical assets or liabilities. </div><div class=\"t s7_195\" id=\"t3o_195\" style=\"left:65px;bottom:231px;letter-spacing:-0.39px;word-spacing:0.19px;display:inline;\">\u2022 Level 2: Inputs other than quoted prices included within Level 1 that are observable for the asset </div><div class=\"t s7_195\" id=\"t3p_195\" style=\"left:78px;bottom:215px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices). </div><div class=\"t s7_195\" id=\"t3q_195\" style=\"left:65px;bottom:195px;letter-spacing:-0.39px;word-spacing:0.2px;display:inline;\">\u2022 Level 3: Inputs for the asset or liability that are not based on observable market data </div><div class=\"t s7_195\" id=\"t3r_195\" style=\"left:78px;bottom:179px;letter-spacing:-0.38px;display:inline;\">(unobservable inputs). </div><div class=\"t sa_195\" id=\"t3s_195\" style=\"left:654px;bottom:740px;letter-spacing:-0.38px;display:inline;\">Debt securities </div><div class=\"t s7_195\" id=\"t3t_195\" style=\"left:654px;bottom:720px;letter-spacing:-0.38px;display:inline;\">The fair value of debt securities is based on the quoted price where available. </div><div class=\"t sa_195\" id=\"t3u_195\" style=\"left:654px;bottom:697px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\">Loans and advances to customers and Deposits from customers </div><div class=\"t s7_195\" id=\"t3v_195\" style=\"left:654px;bottom:677px;letter-spacing:-0.37px;display:inline;\">The fair value of the financial assets and liabilities is calculated based upon the present value of the </div><div class=\"t s7_195\" id=\"t3w_195\" style=\"left:654px;bottom:661px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">expected future principal and interest cash flows. The rate used to discount the cash flows was a </div><div class=\"t s7_195\" id=\"t3x_195\" style=\"left:654px;bottom:645px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">market rate of interest at the balance sheet date. For loans and advances to customers, the same </div><div class=\"t s7_195\" id=\"t3y_195\" style=\"left:654px;bottom:629px;letter-spacing:-0.38px;display:inline;\">assumptions regarding the risk of default were applied as those used to derive the carrying value. </div><div class=\"t sa_195\" id=\"t3z_195\" style=\"left:654px;bottom:606px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Derivative financial instruments </div><div class=\"t s7_195\" id=\"t40_195\" style=\"left:654px;bottom:586px;letter-spacing:-0.38px;display:inline;\">The fair value of derivative financial instruments is calculated based on the present value of the </div><div class=\"t s7_195\" id=\"t41_195\" style=\"left:654px;bottom:570px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">expected future cash flows of the instruments. The rate used to discount the cash flows was the </div><div class=\"t s7_195\" id=\"t42_195\" style=\"left:654px;bottom:554px;letter-spacing:-0.39px;display:inline;\">SONIA forward curve at the balance sheet date. </div><div class=\"t sa_195\" id=\"t43_195\" style=\"left:654px;bottom:531px;letter-spacing:-0.38px;display:inline;\">Subordinated liabilities </div><div class=\"t s7_195\" id=\"t44_195\" style=\"left:654px;bottom:511px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">The fair value of subordinated liabilities is calculated based on quoted market prices where </div><div class=\"t s7_195\" id=\"t45_195\" style=\"left:654px;bottom:495px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">available, or where an active market quote is not available, it is calculated based on the present </div><div class=\"t s7_195\" id=\"t46_195\" style=\"left:654px;bottom:479px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">value of the expected future cash flows of the instruments. The rate used to discount the cash </div><div class=\"t s8_195\" id=\"t47_195\" style=\"left:654px;bottom:463px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">flows was the UK Government five year bond plus the initial spread on the instruments. </div><div class=\"t s7_195\" id=\"t48_195\" style=\"left:654px;bottom:440px;letter-spacing:-0.37px;word-spacing:0.01px;display:inline;\">For all remaining financial assets and liabilities, the fair value of financial assets and liabilities is </div><span>calculated to be equivalent to their carrying value due to their short maturity dates.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00385": {
   "value": "<span>44. Related party transactions </span><div class=\"t s1_196\" id=\"t2_196\" style=\"left:65px;bottom:717px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Related parties of the Company and Group include subsidiaries, key management personnel, close </div><div class=\"t s1_196\" id=\"t3_196\" style=\"left:65px;bottom:701px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">family members of key management personnel and entities that are controlled, jointly controlled or </div><div class=\"t s1_196\" id=\"t4_196\" style=\"left:65px;bottom:685px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">significantly influenced, or for which significant voting power is held, by key management personnel </div><div class=\"t s1_196\" id=\"t5_196\" style=\"left:65px;bottom:669px;letter-spacing:-0.38px;display:inline;\">or their close family members. </div><div class=\"t s1_196\" id=\"t6_196\" style=\"left:65px;bottom:647px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">At 31 December 2025, \u00a30.3 million (2024: \u00a30.1 million) deposits were outstanding in relation to key </div><div class=\"t s1_196\" id=\"t7_196\" style=\"left:65px;bottom:631px;letter-spacing:-0.39px;display:inline;\">management personnel. </div><div class=\"t s1_196\" id=\"t8_196\" style=\"left:65px;bottom:608px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The Company undertook the following transactions with other companies in the Secure Trust </div><div class=\"t s2_196\" id=\"t9_196\" style=\"left:65px;bottom:592px;letter-spacing:-0.39px;display:inline;\">Bank Group: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"ta_196\" style=\"left:522px;bottom:572px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_196\" id=\"tc_196\" style=\"left:600px;bottom:572px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"tb_196\" style=\"left:506px;bottom:558px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_196\" id=\"td_196\" style=\"left:586px;bottom:558px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"te_196\" style=\"left:65px;bottom:538px;letter-spacing:-0.24px;display:inline;\">Interest income and similar income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"tf_196\" style=\"left:519px;bottom:538px;letter-spacing:-0.24px;display:inline;\">(30.4) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"tg_196\" style=\"left:597px;bottom:538px;letter-spacing:-0.24px;display:inline;\">(30.3) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"th_196\" style=\"left:65px;bottom:518px;letter-spacing:-0.3px;word-spacing:0.04px;display:inline;\">Operating expenses </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"ti_196\" style=\"left:527px;bottom:518px;letter-spacing:-0.23px;display:inline;\">(0.1) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"tj_196\" style=\"left:605px;bottom:518px;letter-spacing:-0.23px;display:inline;\">(0.4) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"tk_196\" style=\"left:65px;bottom:499px;letter-spacing:-0.25px;display:inline;\">Allowances for impairment of amounts due from related companies </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_196\" id=\"tl_196\" style=\"left:542px;bottom:499px;display:inline;\">\u2013 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_196\" id=\"tm_196\" style=\"left:609px;bottom:499px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"tn_196\" style=\"left:65px;bottom:479px;letter-spacing:-0.28px;word-spacing:0.03px;display:inline;\">Investment income </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_196\" id=\"to_196\" style=\"left:524px;bottom:479px;letter-spacing:-0.26px;display:inline;\">10.8 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_196\" id=\"tp_196\" style=\"left:609px;bottom:479px;letter-spacing:-0.25px;display:inline;\">9.5 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_196\" id=\"tq_196\" style=\"left:519px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(19.7) </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s5_196\" id=\"tr_196\" style=\"left:597px;bottom:459px;letter-spacing:-0.24px;display:inline;\">(21.0) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"ts_196\" style=\"left:65px;bottom:439px;letter-spacing:-0.25px;display:inline;\">Equity contribution to subsidiaries re. share-based payments </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_196\" id=\"tt_196\" style=\"left:531px;bottom:439px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t\t<td class=\"tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s6_196\" id=\"tu_196\" style=\"left:609px;bottom:439px;letter-spacing:-0.25px;display:inline;\">0.2 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s1_196\" id=\"tv_196\" style=\"left:65px;bottom:412px;letter-spacing:-0.38px;display:inline;\">The loans and advances with, and amounts receivable and payable to, related companies are </div><div class=\"t s1_196\" id=\"tw_196\" style=\"left:65px;bottom:396px;letter-spacing:-0.39px;display:inline;\">noted below: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"tx_196\" style=\"left:499px;bottom:376px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_196\" id=\"t10_196\" style=\"left:578px;bottom:376px;letter-spacing:-0.04px;display:inline;\">Company </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"ty_196\" style=\"left:522px;bottom:362px;letter-spacing:-0.02px;display:inline;\">2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_196\" id=\"t11_196\" style=\"left:600px;bottom:362px;letter-spacing:-0.02px;display:inline;\">2024 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"tz_196\" style=\"left:506px;bottom:348px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s4_196\" id=\"t12_196\" style=\"left:586px;bottom:348px;letter-spacing:-0.03px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t13_196\" style=\"left:65px;bottom:328px;letter-spacing:-0.25px;display:inline;\">Amounts receivable from subsidiary undertakings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_196\" id=\"t14_196\" style=\"left:524px;bottom:328px;letter-spacing:-0.26px;display:inline;\">25.3 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s2_196\" id=\"t15_196\" style=\"left:609px;bottom:328px;letter-spacing:-0.25px;display:inline;\">2.3 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t16_196\" style=\"left:65px;bottom:308px;letter-spacing:-0.25px;display:inline;\">Amounts due to subsidiary undertakings </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t17_196\" style=\"left:519px;bottom:308px;letter-spacing:-0.24px;display:inline;\">(15.7) </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t18_196\" style=\"left:597px;bottom:308px;letter-spacing:-0.24px;display:inline;\">(12.5) </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_196\" id=\"t19_196\" style=\"left:531px;bottom:289px;letter-spacing:-0.25px;display:inline;\">9.6 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s5_196\" id=\"t1a_196\" style=\"left:597px;bottom:289px;letter-spacing:-0.24px;display:inline;\">(10.2) </div></td>\n\t\t</tr>\n\t\n                                        </table>\n<div class=\"t s1_196\" id=\"t1b_196\" style=\"left:65px;bottom:261px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">All amounts above are repayable on demand and the Company charged interest at a variable rate on </div><div class=\"t s1_196\" id=\"t1c_196\" style=\"left:65px;bottom:245px;letter-spacing:-0.39px;display:inline;\">amounts outstanding. </div><div class=\"t s7_196\" id=\"t1d_196\" style=\"left:65px;bottom:223px;letter-spacing:-0.4px;word-spacing:0.01px;display:inline;\"><span>Directors\u2019 remuneration </span></div><div class=\"t s1_196\" id=\"t1e_196\" style=\"left:65px;bottom:202px;letter-spacing:-0.38px;display:inline;\">The Directors\u2019 emoluments (including pension contributions and benefits in kind) for the year are </div><div class=\"t s1_196\" id=\"t1f_196\" style=\"left:65px;bottom:186px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">disclosed in the Directors\u2019 Remuneration Report on page 103. </div><div class=\"t s1_196\" id=\"t1g_196\" style=\"left:65px;bottom:164px;letter-spacing:-0.38px;display:inline;\">At the year-end the ordinary shares held by the Directors, holdings of share options, as well </div><div class=\"t s2_196\" id=\"t1h_196\" style=\"left:65px;bottom:148px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">as details of those share options exercised during the year are disclosed in the Directors\u2019 </div><span>Remuneration Report on page 109. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00386": {
   "value": "<span>Directors\u2019 remuneration </span><div class=\"t s1_196\" id=\"t1e_196\" style=\"left:65px;bottom:202px;letter-spacing:-0.38px;display:inline;\">The Directors\u2019 emoluments (including pension contributions and benefits in kind) for the year are </div><div class=\"t s1_196\" id=\"t1f_196\" style=\"left:65px;bottom:186px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">disclosed in the Directors\u2019 Remuneration Report on page 103. </div><div class=\"t s1_196\" id=\"t1g_196\" style=\"left:65px;bottom:164px;letter-spacing:-0.38px;display:inline;\">At the year-end the ordinary shares held by the Directors, holdings of share options, as well </div><div class=\"t s2_196\" id=\"t1h_196\" style=\"left:65px;bottom:148px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">as details of those share options exercised during the year are disclosed in the Directors\u2019 </div><span>Remuneration Report on page 109. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00387": {
   "value": "<span>45. Immediate parent company and ultimate controlling party </span><span>The Company has no immediate parent company or ultimate controlling party.</span>",
   "dimensions": {
    "concept": "stb:DisclosureOfImmediateParentCompanyAndUltimateControllingPartyExplanatoryTextBlock",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00388": {
   "value": "<span>46. Country-by-Country reporting </span><div class=\"t s1_196\" id=\"t1o_196\" style=\"left:654px;bottom:671px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">The Capital Requirements (Country-by-Country Reporting) Regulations 2013 introduced reporting </div><div class=\"t s1_196\" id=\"t1p_196\" style=\"left:654px;bottom:655px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">obligations for institutions within the scope of CRD V. The requirements aim to give increased </div><div class=\"t s1_196\" id=\"t1q_196\" style=\"left:654px;bottom:639px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">transparency regarding the activities of institutions. The Country-by-Country information is set </div><div class=\"t s1_196\" id=\"t1r_196\" style=\"left:654px;bottom:623px;letter-spacing:-0.39px;display:inline;\">out below: </div>\n\n<table>\n                                            \n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1z_196\" style=\"left:1060px;bottom:603px;letter-spacing:-0.18px;display:inline;\">Average </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t23_196\" style=\"left:1129px;bottom:603px;letter-spacing:-0.04px;display:inline;\">Profit </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1t_196\" style=\"left:875px;bottom:590px;letter-spacing:-0.02px;display:inline;\">Nature </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t20_196\" style=\"left:1049px;bottom:590px;letter-spacing:-0.02px;display:inline;\">number of </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t24_196\" style=\"left:1125px;bottom:590px;letter-spacing:-0.03px;display:inline;\">before </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t27_196\" style=\"left:1173px;bottom:590px;letter-spacing:-0.28px;word-spacing:0.25px;display:inline;\">Tax paid </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1u_196\" style=\"left:875px;bottom:576px;letter-spacing:-0.05px;display:inline;\">of </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1x_196\" style=\"left:990px;bottom:576px;letter-spacing:-0.22px;display:inline;\">Turnover </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t21_196\" style=\"left:1083px;bottom:576px;letter-spacing:-0.03px;display:inline;\">FTE </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t25_196\" style=\"left:1143px;bottom:576px;letter-spacing:-0.04px;display:inline;\">tax </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t28_196\" style=\"left:1170px;bottom:576px;letter-spacing:-0.04px;display:inline;\">on profit </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1s_196\" style=\"left:780px;bottom:562px;letter-spacing:0.02px;display:inline;\">Name </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1v_196\" style=\"left:875px;bottom:562px;letter-spacing:-0.03px;display:inline;\">activity </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1w_196\" style=\"left:931px;bottom:562px;letter-spacing:-0.05px;display:inline;\">Location </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t1y_196\" style=\"left:996px;bottom:562px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t22_196\" style=\"left:1047px;bottom:562px;letter-spacing:-0.05px;display:inline;\">employees </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t26_196\" style=\"left:1117px;bottom:562px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s3_196\" id=\"t29_196\" style=\"left:1173px;bottom:562px;letter-spacing:-0.02px;display:inline;\">\u00a3million </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2b_196\" style=\"left:780px;bottom:542px;letter-spacing:-0.35px;word-spacing:0.11px;display:inline;\">Secure Trust </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2d_196\" style=\"left:875px;bottom:542px;letter-spacing:-0.25px;display:inline;\">Banking </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_196\" id=\"t2a_196\" style=\"left:654px;bottom:525px;letter-spacing:-0.27px;word-spacing:-0.78px;display:inline;\">31 December 2025 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2c_196\" style=\"left:780px;bottom:525px;letter-spacing:-0.36px;word-spacing:0.09px;display:inline;\">Bank PLC </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2e_196\" style=\"left:875px;bottom:525px;letter-spacing:-0.25px;display:inline;\">services </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2f_196\" style=\"left:931px;bottom:525px;letter-spacing:-0.31px;display:inline;\">UK </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2g_196\" style=\"left:1005px;bottom:525px;letter-spacing:-0.26px;display:inline;\">387.1 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2h_196\" style=\"left:1081px;bottom:525px;letter-spacing:-0.28px;display:inline;\">860 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2i_196\" style=\"left:1134px;bottom:525px;letter-spacing:-0.26px;display:inline;\">27.5 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled tcs-selected\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2j_196\" style=\"left:1191px;bottom:525px;letter-spacing:-0.26px;display:inline;\">12.0 </div></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2l_196\" style=\"left:780px;bottom:505px;letter-spacing:-0.35px;word-spacing:0.11px;display:inline;\">Secure Trust </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2n_196\" style=\"left:875px;bottom:505px;letter-spacing:-0.25px;display:inline;\">Banking </div></td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t\t<td class=\"emptyTDSTag\" colspan=\"1\" rowspan=\"1\"> \u00a0</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s6_196\" id=\"t2k_196\" style=\"left:654px;bottom:488px;letter-spacing:-0.27px;word-spacing:-0.78px;display:inline;\">31 December 2024 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2m_196\" style=\"left:780px;bottom:488px;letter-spacing:-0.36px;word-spacing:0.09px;display:inline;\">Bank PLC </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2o_196\" style=\"left:875px;bottom:488px;letter-spacing:-0.25px;display:inline;\">services </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2p_196\" style=\"left:931px;bottom:488px;letter-spacing:-0.31px;display:inline;\">UK </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2q_196\" style=\"left:1005px;bottom:488px;letter-spacing:-0.26px;display:inline;\">385.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2r_196\" style=\"left:1081px;bottom:488px;letter-spacing:-0.28px;display:inline;\">915 </div></td>\n\t\t\t<td class=\"tcs-selection-enabled\" colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2s_196\" style=\"left:1134px;bottom:488px;letter-spacing:-0.26px;display:inline;\">29.2 </div></td>\n\t\t\t<td colspan=\"1\" rowspan=\"1\"><div class=\"t s1_196\" id=\"t2t_196\" style=\"left:1198px;bottom:488px;letter-spacing:-0.25px;display:inline;\">8.8 </div></td>\n\t\t</tr>\n\t\n                                        </table>\n",
   "dimensions": {
    "concept": "stb:DisclosureOfCountryByCountryReportingExplanatoryTextBlock",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "TagsThatMustBeAppliedIfCorrespondingInformationIsPresentInAReport_Label_00389": {
   "value": "<span>47. Post balance sheet events </span><div class=\"t s1_196\" id=\"t2v_196\" style=\"left:654px;bottom:437px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">There have been no significant events between 31 December 2025 and the date of approval of </div><div class=\"t s1_196\" id=\"t2w_196\" style=\"left:654px;bottom:421px;letter-spacing:-0.38px;display:inline;\">these Financial Statements, which would require a change to or additional disclosure in the </div><div class=\"t s2_196\" id=\"t2x_196\" style=\"left:654px;bottom:405px;letter-spacing:-0.37px;display:inline;\">financial statements. </div><div class=\"t s1_196\" id=\"t2y_196\" style=\"left:654px;bottom:383px;letter-spacing:-0.4px;word-spacing:0.02px;display:inline;\">The sale of the Consumer Vehicle Finance business completed on 25 February 2026. The Group will </div><div class=\"t s1_196\" id=\"t2z_196\" style=\"left:654px;bottom:367px;letter-spacing:-0.38px;display:inline;\">undertake servicing of the loan portfolio on behalf of the purchaser post completion until a target </div><div class=\"t s1_196\" id=\"t30_196\" style=\"left:654px;bottom:351px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">migration date of 30 May 2026. The Group will remain responsible for administering, and retain </div><div class=\"t s1_196\" id=\"t31_196\" style=\"left:654px;bottom:335px;letter-spacing:-0.41px;word-spacing:0.03px;display:inline;\">liability for, payments due to customers under the FCA\u2019s motor finance commission redress scheme </div><div class=\"t s1_196\" id=\"t32_196\" style=\"left:654px;bottom:319px;letter-spacing:-0.38px;word-spacing:0.01px;display:inline;\">(when concluded) for any relevant loans in the portfolio. </div><div class=\"t s1_196\" id=\"t33_196\" style=\"left:654px;bottom:296px;letter-spacing:-0.39px;word-spacing:0.01px;display:inline;\">Further information will be included in the Group\u2019s Interim Report for the six months ended </div><span>30 June 2026. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:213800CXIBLC2TMIGI76",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  }
 }
}