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    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8542": {
   "value": "4639000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8544": {
   "value": "5033000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:PropertyPlantAndEquipment",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8546": {
   "value": "9707000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:NoncurrentAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8548": {
   "value": "19366000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:NoncurrentAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8553": {
   "value": "3031000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentFinancialAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8555": {
   "value": "2596000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentFinancialAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8559": {
   "value": "15863000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:TradeAndOtherCurrentReceivables",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8561": {
   "value": "14035000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:TradeAndOtherCurrentReceivables",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8565": {
   "value": "95000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:ReinsuranceAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8567": {
   "value": "108000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:ReinsuranceAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8571": {
   "value": "726000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Inventories",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8573": {
   "value": "898000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Inventories",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8577": {
   "value": "16958000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8579": {
   "value": "20291000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8582": {
   "value": "229000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentTaxAssetsCurrent",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8584": {
   "value": "310000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentTaxAssetsCurrent",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8586": {
   "value": "36902000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8588": {
   "value": "38238000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentAssets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8591": {
   "value": "46609000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Assets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8593": {
   "value": "57604000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Assets",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8625": {
   "value": "1562000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:IssuedCapital",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8627": {
   "value": "1561000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:IssuedCapital",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8631": {
   "value": "1134000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:SharePremium",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8633": {
   "value": "1134000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:SharePremium",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8636": {
   "value": "367000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:ReserveOfSharebasedPayments",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8638": {
   "value": "158000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:ReserveOfSharebasedPayments",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8641": {
   "value": "24000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CapitalRedemptionReserve",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8643": {
   "value": "24000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CapitalRedemptionReserve",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8646": {
   "value": "55000",
   "decimals": -3,
   "dimensions": {
    "concept": "pgh:OtherReserve",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8648": {
   "value": "32000",
   "decimals": -3,
   "dimensions": {
    "concept": "pgh:OtherReserve",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8651": {
   "value": "27946000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:RetainedEarnings",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8653": {
   "value": "38436000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:RetainedEarnings",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8656": {
   "value": "30978000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8658": {
   "value": "41281000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8664": {
   "value": "681000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:NetDeferredTaxLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8666": {
   "value": "478000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:NetDeferredTaxLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8670": {
   "value": "130000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:NoncurrentPayables",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8672": {
   "value": "402000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:NoncurrentPayables",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8677": {
   "value": "11346000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:TradeAndOtherCurrentPayables",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8679": {
   "value": "12356000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:TradeAndOtherCurrentPayables",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8683": {
   "value": "3474000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:InsuranceContractsIssuedThatAreLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8685": {
   "value": "3087000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:InsuranceContractsIssuedThatAreLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8687": {
   "value": "14820000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8689": {
   "value": "15443000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:CurrentLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8692": {
   "value": "15631000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Liabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8694": {
   "value": "16323000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Liabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8697": {
   "value": "46609000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:EquityAndLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8699": {
   "value": "57604000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:EquityAndLiabilities",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f8724": {
   "value": "<div class=\"t s6_75\" id=\"ta_75\" style=\"left:74px;bottom:794px;letter-spacing:0.14px;word-spacing:0.08px;display:inline;\">Company Balance Sheet </div><div class=\"t s7_75\" id=\"tb_75\" style=\"left:341px;bottom:794px;letter-spacing:0.33px;word-spacing:0.14px;display:inline;\">at 31 December 2022 </div>\n<div class=\"t s8_75\" id=\"tc_75\" style=\"left:547px;bottom:745px;letter-spacing:-0.04px;display:inline;\">Note </div>\n<div class=\"t s8_75\" id=\"td_75\" style=\"left:642px;bottom:761px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s8_75\" id=\"te_75\" style=\"left:637px;bottom:745px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s8_75\" id=\"tf_75\" style=\"left:738px;bottom:761px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s8_75\" id=\"tg_75\" style=\"left:732px;bottom:745px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_75\" id=\"th_75\" style=\"left:78px;bottom:723px;letter-spacing:0.11px;display:inline;\">ASSETS </div>\n<div class=\"t s4_75\" id=\"ti_75\" style=\"left:78px;bottom:701px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Non-current assets </div>\n<div class=\"t s9_75\" id=\"tj_75\" style=\"left:78px;bottom:679px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Investment in subsidiary undertakings </div><div class=\"t sa_75\" id=\"tk_75\" style=\"left:563px;bottom:679px;letter-spacing:0.26px;display:inline;\">26 </div><div class=\"t sb_75\" id=\"tl_75\" style=\"left:636px;bottom:679px;letter-spacing:0.13px;display:inline;\">25,474 </div><div class=\"t sa_75\" id=\"tm_75\" style=\"left:731px;bottom:679px;letter-spacing:0.22px;display:inline;\">25,203 </div>\n<div class=\"t sb_75\" id=\"tn_75\" style=\"left:636px;bottom:657px;letter-spacing:0.13px;display:inline;\">25,474 </div><div class=\"t sa_75\" id=\"to_75\" style=\"left:731px;bottom:657px;letter-spacing:0.22px;display:inline;\">25,203 </div>\n<div class=\"t s4_75\" id=\"tp_75\" style=\"left:78px;bottom:635px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Current assets </div>\n<div class=\"t s9_75\" id=\"tq_75\" style=\"left:78px;bottom:613px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Trade and other receivables </div><div class=\"t sc_75\" id=\"tr_75\" style=\"left:563px;bottom:613px;letter-spacing:0.39px;display:inline;\">19 </div><div class=\"t sb_75\" id=\"ts_75\" style=\"left:652px;bottom:613px;letter-spacing:0.26px;display:inline;\">322 </div><div class=\"t sa_75\" id=\"tt_75\" style=\"left:747px;bottom:613px;letter-spacing:0.36px;display:inline;\">192 </div>\n<div class=\"t s9_75\" id=\"tu_75\" style=\"left:78px;bottom:591px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Cash and cash equivalents </div><div class=\"t sa_75\" id=\"tv_75\" style=\"left:563px;bottom:591px;letter-spacing:0.29px;display:inline;\">21 </div><div class=\"t sb_75\" id=\"tw_75\" style=\"left:652px;bottom:591px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sc_75\" id=\"tx_75\" style=\"left:747px;bottom:591px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t s4_75\" id=\"ty_75\" style=\"left:652px;bottom:568px;letter-spacing:0.18px;display:inline;\">559 </div><div class=\"t sa_75\" id=\"tz_75\" style=\"left:747px;bottom:568px;letter-spacing:0.24px;display:inline;\">311 </div>\n<div class=\"t s4_75\" id=\"t10_75\" style=\"left:78px;bottom:546px;letter-spacing:0.01px;word-spacing:0.09px;display:inline;\">Total assets </div><div class=\"t sb_75\" id=\"t11_75\" style=\"left:636px;bottom:546px;letter-spacing:0.21px;display:inline;\">26,033 </div><div class=\"t sa_75\" id=\"t12_75\" style=\"left:731px;bottom:546px;letter-spacing:0.18px;display:inline;\">25,514 </div>\n<div class=\"t s4_75\" id=\"t13_75\" style=\"left:78px;bottom:524px;letter-spacing:0.1px;display:inline;\">EQUITY </div>\n<div class=\"t s4_75\" id=\"t14_75\" style=\"left:78px;bottom:502px;letter-spacing:0.08px;display:inline;\">Equity attributable to equity holders of Personal Group Holdings Plc </div>\n<div class=\"t s9_75\" id=\"t15_75\" style=\"left:78px;bottom:480px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Share capital </div><div class=\"t sa_75\" id=\"t16_75\" style=\"left:563px;bottom:480px;letter-spacing:0.34px;display:inline;\">22 </div><div class=\"t sb_75\" id=\"t17_75\" style=\"left:642px;bottom:480px;letter-spacing:0.38px;display:inline;\">1,562 </div><div class=\"t sc_75\" id=\"t18_75\" style=\"left:738px;bottom:480px;letter-spacing:0.27px;display:inline;\">1,561 </div>\n<div class=\"t s9_75\" id=\"t19_75\" style=\"left:78px;bottom:458px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Share premium </div><div class=\"t sa_75\" id=\"t1a_75\" style=\"left:563px;bottom:458px;letter-spacing:0.34px;display:inline;\">22 </div><div class=\"t sb_75\" id=\"t1b_75\" style=\"left:641px;bottom:458px;letter-spacing:0.45px;display:inline;\">1,134 </div><div class=\"t sa_75\" id=\"t1c_75\" style=\"left:737px;bottom:458px;letter-spacing:0.35px;display:inline;\">1,134 </div>\n<div class=\"t s9_75\" id=\"t1d_75\" style=\"left:78px;bottom:435px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Share based payment reserve </div><div class=\"t sb_75\" id=\"t1e_75\" style=\"left:652px;bottom:435px;letter-spacing:0.31px;display:inline;\">429 </div><div class=\"t sc_75\" id=\"t1f_75\" style=\"left:747px;bottom:435px;letter-spacing:0.46px;display:inline;\">158 </div>\n<div class=\"t s9_75\" id=\"t1g_75\" style=\"left:78px;bottom:413px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Capital redemption reserve </div><div class=\"t sb_75\" id=\"t1h_75\" style=\"left:658px;bottom:413px;letter-spacing:0.46px;display:inline;\">24 </div><div class=\"t sa_75\" id=\"t1i_75\" style=\"left:754px;bottom:413px;letter-spacing:0.07px;display:inline;\">24 </div>\n<div class=\"t s9_75\" id=\"t1j_75\" style=\"left:78px;bottom:391px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Other reserve </div><div class=\"t s4_75\" id=\"t1k_75\" style=\"left:655px;bottom:391px;letter-spacing:0.16px;display:inline;\">(55) </div><div class=\"t sa_75\" id=\"t1l_75\" style=\"left:750px;bottom:391px;letter-spacing:0.17px;display:inline;\">(32) </div>\n<div class=\"t s9_75\" id=\"t1m_75\" style=\"left:78px;bottom:369px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Profit and loss reserve </div><div class=\"t sb_75\" id=\"t1n_75\" style=\"left:635px;bottom:369px;letter-spacing:0.3px;display:inline;\">22,217 </div><div class=\"t sa_75\" id=\"t1o_75\" style=\"left:732px;bottom:369px;letter-spacing:0.17px;display:inline;\">22,172 </div>\n<div class=\"t s4_75\" id=\"t1p_75\" style=\"left:78px;bottom:347px;letter-spacing:0.02px;word-spacing:0.09px;display:inline;\">Total equity </div><div class=\"t sb_75\" id=\"t1q_75\" style=\"left:635px;bottom:347px;letter-spacing:0.29px;display:inline;\">25,311 </div><div class=\"t sa_75\" id=\"t1r_75\" style=\"left:732px;bottom:347px;letter-spacing:0.11px;display:inline;\">25,017 </div>\n<div class=\"t s4_75\" id=\"t1s_75\" style=\"left:78px;bottom:325px;letter-spacing:0.1px;display:inline;\">LIABILITIES </div>\n<div class=\"t s4_75\" id=\"t1t_75\" style=\"left:78px;bottom:302px;letter-spacing:0.09px;display:inline;\">Current liabilities </div>\n<div class=\"t s9_75\" id=\"t1u_75\" style=\"left:78px;bottom:280px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t sa_75\" id=\"t1v_75\" style=\"left:563px;bottom:280px;letter-spacing:0.07px;display:inline;\">24 </div><div class=\"t sb_75\" id=\"t1w_75\" style=\"left:652px;bottom:280px;letter-spacing:0.29px;display:inline;\">722 </div><div class=\"t sa_75\" id=\"t1x_75\" style=\"left:748px;bottom:280px;letter-spacing:0.07px;display:inline;\">497 </div>\n<div class=\"t s4_75\" id=\"t1y_75\" style=\"left:78px;bottom:258px;letter-spacing:0.03px;word-spacing:0.06px;display:inline;\">Total liabilities </div><div class=\"t sb_75\" id=\"t1z_75\" style=\"left:652px;bottom:258px;letter-spacing:0.29px;display:inline;\">722 </div><div class=\"t sa_75\" id=\"t20_75\" style=\"left:748px;bottom:258px;letter-spacing:0.07px;display:inline;\">497 </div>\n<div class=\"t s4_75\" id=\"t21_75\" style=\"left:78px;bottom:236px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Total equity and liabilities </div><div class=\"t sb_75\" id=\"t22_75\" style=\"left:636px;bottom:236px;letter-spacing:0.21px;display:inline;\">26,033 </div><div class=\"t sa_75\" id=\"t23_75\" style=\"left:731px;bottom:236px;letter-spacing:0.18px;display:inline;\">25,514 </div>\n<div class=\"t sd_75\" id=\"t24_75\" style=\"left:74px;bottom:201px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">The parent Company has taken advantage of section 408 of the Companies Act 2006 and has not included its own profit </div>\n<div class=\"t sd_75\" id=\"t25_75\" style=\"left:74px;bottom:183px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">and loss account in these financial statements. The parent Company\u2019s profit for the year was \u00a33,363,000 (2021:\u00a0\u00a32,278,000). </div>\n<div class=\"t se_75\" id=\"t26_75\" style=\"left:74px;bottom:156px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">The financial statements were approved by the Board on 27 March 2023. </div>\n<div class=\"t s8_75\" id=\"t27_75\" style=\"left:82px;bottom:80px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">S Mace </div><div class=\"t s8_75\" id=\"t28_75\" style=\"left:307px;bottom:80px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">D Frost </div>\n<div class=\"t se_75\" id=\"t29_75\" style=\"left:82px;bottom:62px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">Chief Financial Officer </div><div class=\"t se_75\" id=\"t2a_75\" style=\"left:307px;bottom:62px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">Chief Executive </div>\n<div class=\"t sd_75\" id=\"t2b_75\" style=\"left:82px;bottom:39px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Company number: 3194991 </div>\n<div class=\"t se_75\" id=\"t2c_75\" style=\"left:811px;bottom:99px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">The accompanying accounting policies and notes </div>\n<div class=\"t se_75\" id=\"t2d_75\" style=\"left:811px;bottom:80px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">form an integral part of these financial statements. </div><div class=\"t s6_77\" id=\"ta_77\" style=\"left:74px;bottom:794px;letter-spacing:0.28px;word-spacing:0.18px;display:inline;\">Company Statement of Changes in Equity </div><div class=\"t s7_77\" id=\"tb_77\" style=\"left:538px;bottom:794px;letter-spacing:0.33px;word-spacing:0.13px;display:inline;\">for the year ended 31 December 2022 </div>\n<div class=\"t s8_77\" id=\"tc_77\" style=\"left:74px;bottom:765px;letter-spacing:0.21px;word-spacing:-0.08px;display:inline;\">Equity attributable to equity holders of Personal Group Holdings Plc </div>\n<div class=\"t s9_77\" id=\"td_77\" style=\"left:599px;bottom:707px;letter-spacing:-0.02px;display:inline;\">Share </div>\n<div class=\"t s9_77\" id=\"te_77\" style=\"left:591px;bottom:691px;letter-spacing:-0.01px;display:inline;\">capital </div>\n<div class=\"t s9_77\" id=\"tf_77\" style=\"left:598px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_77\" id=\"tg_77\" style=\"left:681px;bottom:707px;letter-spacing:-0.02px;display:inline;\">Share </div>\n<div class=\"t s9_77\" id=\"th_77\" style=\"left:660px;bottom:691px;letter-spacing:-0.02px;display:inline;\">premium </div>\n<div class=\"t s9_77\" id=\"ti_77\" style=\"left:680px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_77\" id=\"tj_77\" style=\"left:755px;bottom:723px;letter-spacing:-0.01px;display:inline;\">Capital </div>\n<div class=\"t s9_77\" id=\"tk_77\" style=\"left:727px;bottom:707px;letter-spacing:-0.02px;display:inline;\">redemption </div>\n<div class=\"t s9_77\" id=\"tl_77\" style=\"left:753px;bottom:691px;letter-spacing:-0.04px;display:inline;\">reserve </div>\n<div class=\"t s9_77\" id=\"tm_77\" style=\"left:762px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_77\" id=\"tn_77\" style=\"left:846px;bottom:739px;letter-spacing:-0.02px;display:inline;\">Share </div>\n<div class=\"t s9_77\" id=\"to_77\" style=\"left:844px;bottom:723px;letter-spacing:-0.01px;display:inline;\">based </div>\n<div class=\"t s9_77\" id=\"tp_77\" style=\"left:826px;bottom:707px;letter-spacing:-0.03px;display:inline;\">payment </div>\n<div class=\"t s9_77\" id=\"tq_77\" style=\"left:835px;bottom:691px;letter-spacing:-0.04px;display:inline;\">reserve </div>\n<div class=\"t s9_77\" id=\"tr_77\" style=\"left:845px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_77\" id=\"ts_77\" style=\"left:927px;bottom:707px;letter-spacing:-0.01px;display:inline;\">Other </div>\n<div class=\"t s9_77\" id=\"tt_77\" style=\"left:917px;bottom:691px;letter-spacing:-0.04px;display:inline;\">reserve </div>\n<div class=\"t s9_77\" id=\"tu_77\" style=\"left:927px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_77\" id=\"tv_77\" style=\"left:1008px;bottom:723px;letter-spacing:-0.03px;display:inline;\">Profit </div>\n<div class=\"t s9_77\" id=\"tw_77\" style=\"left:996px;bottom:707px;letter-spacing:-0.01px;display:inline;\">and loss </div>\n<div class=\"t s9_77\" id=\"tx_77\" style=\"left:999px;bottom:691px;letter-spacing:-0.04px;display:inline;\">reserve </div>\n<div class=\"t s9_77\" id=\"ty_77\" style=\"left:1009px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_77\" id=\"tz_77\" style=\"left:1096px;bottom:707px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_77\" id=\"t10_77\" style=\"left:1088px;bottom:691px;letter-spacing:-0.01px;display:inline;\">equity </div>\n<div class=\"t s9_77\" id=\"t11_77\" style=\"left:1092px;bottom:675px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_77\" id=\"t12_77\" style=\"left:78px;bottom:653px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Balance as at 1 January 2022 </div><div class=\"t sa_77\" id=\"t13_77\" style=\"left:603px;bottom:653px;letter-spacing:0.38px;display:inline;\">1,561 </div><div class=\"t sa_77\" id=\"t14_77\" style=\"left:685px;bottom:653px;letter-spacing:0.45px;display:inline;\">1,134 </div><div class=\"t sa_77\" id=\"t15_77\" style=\"left:784px;bottom:653px;letter-spacing:0.46px;display:inline;\">24 </div><div class=\"t sa_77\" id=\"t16_77\" style=\"left:860px;bottom:653px;letter-spacing:0.41px;display:inline;\">158 </div><div class=\"t sa_77\" id=\"t17_77\" style=\"left:945px;bottom:653px;letter-spacing:0.21px;display:inline;\">(32) </div><div class=\"t sa_77\" id=\"t18_77\" style=\"left:1008px;bottom:653px;letter-spacing:0.3px;display:inline;\">22,172 </div><div class=\"t sa_77\" id=\"t19_77\" style=\"left:1091px;bottom:653px;letter-spacing:0.2px;display:inline;\">25,017 </div>\n<div class=\"t sb_77\" id=\"t1a_77\" style=\"left:78px;bottom:631px;letter-spacing:0.1px;display:inline;\">Dividends paid </div><div class=\"t s4_77\" id=\"t1b_77\" style=\"left:626px;bottom:631px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1c_77\" style=\"left:708px;bottom:631px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1d_77\" style=\"left:790px;bottom:631px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1e_77\" style=\"left:872px;bottom:631px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1f_77\" style=\"left:955px;bottom:631px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t1g_77\" style=\"left:1010px;bottom:631px;letter-spacing:0.26px;display:inline;\">(3,310) </div><div class=\"t sa_77\" id=\"t1h_77\" style=\"left:1093px;bottom:631px;letter-spacing:0.26px;display:inline;\">(3,310) </div>\n<div class=\"t sb_77\" id=\"t1i_77\" style=\"left:78px;bottom:609px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Employee share-based compensation </div><div class=\"t s4_77\" id=\"t1j_77\" style=\"left:626px;bottom:609px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1k_77\" style=\"left:708px;bottom:609px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1l_77\" style=\"left:790px;bottom:609px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t1m_77\" style=\"left:860px;bottom:609px;letter-spacing:0.27px;display:inline;\">271 </div><div class=\"t s4_77\" id=\"t1n_77\" style=\"left:955px;bottom:609px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1o_77\" style=\"left:1037px;bottom:609px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t1p_77\" style=\"left:1107px;bottom:609px;letter-spacing:0.27px;display:inline;\">271 </div>\n<div class=\"t sb_77\" id=\"t1q_77\" style=\"left:78px;bottom:587px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Proceeds of SIP* share sales </div><div class=\"t s4_77\" id=\"t1r_77\" style=\"left:625px;bottom:587px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1s_77\" style=\"left:708px;bottom:587px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1t_77\" style=\"left:790px;bottom:587px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1u_77\" style=\"left:872px;bottom:587px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t1v_77\" style=\"left:955px;bottom:587px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t1w_77\" style=\"left:1031px;bottom:587px;letter-spacing:0.34px;display:inline;\">11 </div><div class=\"t sa_77\" id=\"t1x_77\" style=\"left:1113px;bottom:587px;letter-spacing:0.34px;display:inline;\">11 </div>\n<div class=\"t sb_77\" id=\"t1y_77\" style=\"left:78px;bottom:564px;letter-spacing:0.05px;word-spacing:0.04px;display:inline;\">Cost of SIP shares sold </div><div class=\"t s4_77\" id=\"t1z_77\" style=\"left:625px;bottom:564px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t20_77\" style=\"left:708px;bottom:564px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t21_77\" style=\"left:790px;bottom:564px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t22_77\" style=\"left:872px;bottom:564px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t23_77\" style=\"left:948px;bottom:564px;letter-spacing:0.3px;display:inline;\">20 </div><div class=\"t sa_77\" id=\"t24_77\" style=\"left:1027px;bottom:564px;letter-spacing:0.15px;display:inline;\">(20) </div><div class=\"t s4_77\" id=\"t25_77\" style=\"left:1119px;bottom:564px;display:inline;\">\u2013 </div>\n<div class=\"t sb_77\" id=\"t26_77\" style=\"left:78px;bottom:542px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Cost of SIP shares purchased </div><div class=\"t s4_77\" id=\"t27_77\" style=\"left:625px;bottom:542px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t28_77\" style=\"left:708px;bottom:542px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t29_77\" style=\"left:790px;bottom:542px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2a_77\" style=\"left:872px;bottom:542px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2b_77\" style=\"left:945px;bottom:542px;letter-spacing:0.09px;display:inline;\">(43) </div><div class=\"t s4_77\" id=\"t2c_77\" style=\"left:1037px;bottom:542px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2d_77\" style=\"left:1110px;bottom:542px;letter-spacing:0.09px;display:inline;\">(43) </div>\n<div class=\"t sb_77\" id=\"t2e_77\" style=\"left:78px;bottom:520px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Shares issued in the\u00a0year </div><div class=\"t sa_77\" id=\"t2f_77\" style=\"left:626px;bottom:520px;display:inline;\">1 </div><div class=\"t s4_77\" id=\"t2g_77\" style=\"left:708px;bottom:520px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2h_77\" style=\"left:790px;bottom:520px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2i_77\" style=\"left:872px;bottom:520px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2j_77\" style=\"left:955px;bottom:520px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2k_77\" style=\"left:1037px;bottom:520px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t2l_77\" style=\"left:1119px;bottom:520px;display:inline;\">1 </div>\n<div class=\"t s4_77\" id=\"t2m_77\" style=\"left:78px;bottom:498px;letter-spacing:0.09px;word-spacing:-0.11px;display:inline;\">Transactions with owners </div><div class=\"t sa_77\" id=\"t2n_77\" style=\"left:626px;bottom:498px;display:inline;\">1 </div><div class=\"t s4_77\" id=\"t2o_77\" style=\"left:708px;bottom:498px;display:inline;\">\u2013 </div><div class=\"t s4_77\" id=\"t2p_77\" style=\"left:790px;bottom:498px;display:inline;\">\u2013 </div><div class=\"t sa_77\" id=\"t2q_77\" style=\"left:860px;bottom:498px;letter-spacing:0.27px;display:inline;\">271 </div><div class=\"t sa_77\" id=\"t2r_77\" style=\"left:945px;bottom:498px;letter-spacing:0.13px;display:inline;\">(23) </div><div class=\"t sa_77\" id=\"t2s_77\" style=\"left:1010px;bottom:498px;letter-spacing:0.26px;display:inline;\">(3,319) </div><div class=\"t sa_77\" id=\"t2t_77\" style=\"left:1093px;bottom:498px;letter-spacing:0.22px;display:inline;\">(3,070) </div>\n<div class=\"t sb_77\" id=\"t2u_77\" style=\"left:78px;bottom:476px;letter-spacing:0.05px;word-spacing:-0.17px;display:inline;\">Profit for the year </div><div class=\"t s4_77\" id=\"t2v_77\" style=\"left:1014px;bottom:476px;letter-spacing:0.35px;display:inline;\">3,364 </div><div class=\"t s4_77\" id=\"t2w_77\" style=\"left:1096px;bottom:476px;letter-spacing:0.35px;display:inline;\">3,364 </div>\n<div class=\"t sc_77\" id=\"t2x_77\" style=\"left:78px;bottom:454px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Balance as at 31 December 2022 </div><div class=\"t sa_77\" id=\"t2y_77\" style=\"left:602px;bottom:454px;letter-spacing:0.38px;display:inline;\">1,562 </div><div class=\"t sa_77\" id=\"t2z_77\" style=\"left:684px;bottom:454px;letter-spacing:0.45px;display:inline;\">1,134 </div><div class=\"t sa_77\" id=\"t30_77\" style=\"left:784px;bottom:454px;letter-spacing:0.46px;display:inline;\">24 </div><div class=\"t sa_77\" id=\"t31_77\" style=\"left:860px;bottom:454px;letter-spacing:0.31px;display:inline;\">429 </div><div class=\"t s4_77\" id=\"t32_77\" style=\"left:945px;bottom:454px;letter-spacing:0.16px;display:inline;\">(55) </div><div class=\"t sa_77\" id=\"t33_77\" style=\"left:1008px;bottom:454px;letter-spacing:0.3px;display:inline;\">22,217 </div><div class=\"t sa_77\" id=\"t34_77\" style=\"left:1090px;bottom:454px;letter-spacing:0.29px;display:inline;\">25,311 </div>\n<div class=\"t s4_77\" id=\"t35_77\" style=\"left:78px;bottom:409px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Balance as at 1 January 2021 </div><div class=\"t sd_77\" id=\"t36_77\" style=\"left:603px;bottom:409px;letter-spacing:0.27px;display:inline;\">1,561 </div><div class=\"t se_77\" id=\"t37_77\" style=\"left:685px;bottom:409px;letter-spacing:0.35px;display:inline;\">1,134 </div><div class=\"t sd_77\" id=\"t38_77\" style=\"left:784px;bottom:409px;letter-spacing:0.07px;display:inline;\">24 </div><div class=\"t se_77\" id=\"t39_77\" style=\"left:872px;bottom:409px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t3a_77\" style=\"left:945px;bottom:409px;letter-spacing:0.13px;display:inline;\">(21) </div><div class=\"t sd_77\" id=\"t3b_77\" style=\"left:1009px;bottom:409px;letter-spacing:0.14px;display:inline;\">23,142 </div><div class=\"t sd_77\" id=\"t3c_77\" style=\"left:1090px;bottom:409px;letter-spacing:0.33px;display:inline;\">25,840 </div>\n<div class=\"t sb_77\" id=\"t3d_77\" style=\"left:78px;bottom:387px;letter-spacing:0.1px;display:inline;\">Dividends paid </div><div class=\"t se_77\" id=\"t3e_77\" style=\"left:625px;bottom:387px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3f_77\" style=\"left:708px;bottom:387px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3g_77\" style=\"left:790px;bottom:387px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3h_77\" style=\"left:872px;bottom:387px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3i_77\" style=\"left:955px;bottom:387px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t3j_77\" style=\"left:1011px;bottom:387px;letter-spacing:0.2px;display:inline;\">(3,244) </div><div class=\"t sd_77\" id=\"t3k_77\" style=\"left:1094px;bottom:387px;letter-spacing:0.2px;display:inline;\">(3,244) </div>\n<div class=\"t sb_77\" id=\"t3l_77\" style=\"left:78px;bottom:365px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Employee share-based compensation </div><div class=\"t se_77\" id=\"t3m_77\" style=\"left:625px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3n_77\" style=\"left:708px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3o_77\" style=\"left:790px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t3p_77\" style=\"left:859px;bottom:365px;letter-spacing:0.46px;display:inline;\">158 </div><div class=\"t se_77\" id=\"t3q_77\" style=\"left:955px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3r_77\" style=\"left:1037px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t3s_77\" style=\"left:1106px;bottom:365px;letter-spacing:0.46px;display:inline;\">158 </div>\n<div class=\"t sb_77\" id=\"t3t_77\" style=\"left:78px;bottom:343px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Proceeds of SIP* share sales </div><div class=\"t se_77\" id=\"t3u_77\" style=\"left:625px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3v_77\" style=\"left:708px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3w_77\" style=\"left:790px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3x_77\" style=\"left:872px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t3y_77\" style=\"left:955px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t3z_77\" style=\"left:1031px;bottom:343px;letter-spacing:0.07px;display:inline;\">24 </div><div class=\"t sd_77\" id=\"t40_77\" style=\"left:1113px;bottom:343px;letter-spacing:0.07px;display:inline;\">24 </div>\n<div class=\"t sb_77\" id=\"t41_77\" style=\"left:78px;bottom:321px;letter-spacing:0.05px;word-spacing:0.04px;display:inline;\">Cost of SIP shares sold </div><div class=\"t se_77\" id=\"t42_77\" style=\"left:625px;bottom:321px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t43_77\" style=\"left:708px;bottom:321px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t44_77\" style=\"left:790px;bottom:321px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t45_77\" style=\"left:872px;bottom:321px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t46_77\" style=\"left:948px;bottom:321px;letter-spacing:0.25px;display:inline;\">28 </div><div class=\"t sd_77\" id=\"t47_77\" style=\"left:1028px;bottom:321px;letter-spacing:0.11px;display:inline;\">(28) </div><div class=\"t se_77\" id=\"t48_77\" style=\"left:1119px;bottom:321px;display:inline;\">\u2013 </div>\n<div class=\"t sb_77\" id=\"t49_77\" style=\"left:78px;bottom:299px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Cost of SIP shares purchased </div><div class=\"t se_77\" id=\"t4a_77\" style=\"left:625px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4b_77\" style=\"left:708px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4c_77\" style=\"left:790px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4d_77\" style=\"left:872px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4e_77\" style=\"left:945px;bottom:299px;letter-spacing:0.18px;display:inline;\">(39) </div><div class=\"t se_77\" id=\"t4f_77\" style=\"left:1037px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4g_77\" style=\"left:1110px;bottom:299px;letter-spacing:0.18px;display:inline;\">(39) </div>\n<div class=\"t s4_77\" id=\"t4h_77\" style=\"left:78px;bottom:276px;letter-spacing:0.09px;word-spacing:-0.11px;display:inline;\">Transactions with owners </div><div class=\"t se_77\" id=\"t4i_77\" style=\"left:625px;bottom:276px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4j_77\" style=\"left:708px;bottom:276px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4k_77\" style=\"left:790px;bottom:276px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t4l_77\" style=\"left:859px;bottom:276px;letter-spacing:0.46px;display:inline;\">158 </div><div class=\"t se_77\" id=\"t4m_77\" style=\"left:945px;bottom:276px;letter-spacing:0.15px;display:inline;\">(11) </div><div class=\"t sd_77\" id=\"t4n_77\" style=\"left:1011px;bottom:276px;letter-spacing:0.19px;display:inline;\">(3,248) </div><div class=\"t sd_77\" id=\"t4o_77\" style=\"left:1094px;bottom:276px;letter-spacing:0.15px;display:inline;\">(3,101) </div>\n<div class=\"t sb_77\" id=\"t4p_77\" style=\"left:78px;bottom:254px;letter-spacing:0.05px;word-spacing:-0.17px;display:inline;\">Profit for the year </div><div class=\"t se_77\" id=\"t4q_77\" style=\"left:625px;bottom:254px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4r_77\" style=\"left:708px;bottom:254px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4s_77\" style=\"left:790px;bottom:254px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4t_77\" style=\"left:872px;bottom:254px;display:inline;\">\u2013 </div><div class=\"t se_77\" id=\"t4u_77\" style=\"left:955px;bottom:254px;display:inline;\">\u2013 </div><div class=\"t sd_77\" id=\"t4v_77\" style=\"left:1015px;bottom:254px;letter-spacing:0.19px;display:inline;\">2,278 </div><div class=\"t sd_77\" id=\"t4w_77\" style=\"left:1097px;bottom:254px;letter-spacing:0.19px;display:inline;\">2,278 </div>\n<div class=\"t sc_77\" id=\"t4x_77\" style=\"left:78px;bottom:232px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Balance as at 31 December 2021 </div><div class=\"t sd_77\" id=\"t4y_77\" style=\"left:603px;bottom:232px;letter-spacing:0.27px;display:inline;\">1,561 </div><div class=\"t se_77\" id=\"t4z_77\" style=\"left:685px;bottom:232px;letter-spacing:0.35px;display:inline;\">1,134 </div><div class=\"t sd_77\" id=\"t50_77\" style=\"left:784px;bottom:232px;letter-spacing:0.07px;display:inline;\">24 </div><div class=\"t sd_77\" id=\"t51_77\" style=\"left:859px;bottom:232px;letter-spacing:0.46px;display:inline;\">158 </div><div class=\"t sd_77\" id=\"t52_77\" style=\"left:945px;bottom:232px;letter-spacing:0.17px;display:inline;\">(32) </div><div class=\"t sd_77\" id=\"t53_77\" style=\"left:1008px;bottom:232px;letter-spacing:0.17px;display:inline;\">22,172 </div><div class=\"t sd_77\" id=\"t54_77\" style=\"left:1091px;bottom:232px;letter-spacing:0.11px;display:inline;\">25,017 </div>\n<div class=\"t sf_77\" id=\"t55_77\" style=\"left:74px;bottom:200px;display:inline;\">* </div><div class=\"t sf_77\" id=\"t56_77\" style=\"left:87px;bottom:200px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">PG Share Ownership Plan (SIP) </div>\n<div class=\"t sg_77\" id=\"t57_77\" style=\"left:74px;bottom:176px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The accompanying accounting policies and notes form an integral part of these financial statements. </div><div class=\"t s6_80\" id=\"ta_80\" style=\"left:74px;bottom:794px;letter-spacing:0.12px;word-spacing:0.11px;display:inline;\">Company Cash Flow Statement </div>\n<div class=\"t s7_80\" id=\"tb_80\" style=\"left:495px;bottom:745px;letter-spacing:-0.04px;display:inline;\">Note </div>\n<div class=\"t s7_80\" id=\"tc_80\" style=\"left:616px;bottom:761px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s7_80\" id=\"td_80\" style=\"left:611px;bottom:745px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s7_80\" id=\"te_80\" style=\"left:738px;bottom:761px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s7_80\" id=\"tf_80\" style=\"left:732px;bottom:745px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_80\" id=\"tg_80\" style=\"left:78px;bottom:723px;letter-spacing:0.09px;display:inline;\">Net cash from operating activities (see below) </div><div class=\"t s8_80\" id=\"th_80\" style=\"left:632px;bottom:723px;letter-spacing:0.26px;display:inline;\">10 </div><div class=\"t s9_80\" id=\"ti_80\" style=\"left:747px;bottom:723px;letter-spacing:0.23px;display:inline;\">786 </div>\n<div class=\"t s4_80\" id=\"tj_80\" style=\"left:78px;bottom:701px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Investing activities </div>\n<div class=\"t sa_80\" id=\"tk_80\" style=\"left:95px;bottom:679px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Dividends received </div><div class=\"t s8_80\" id=\"tl_80\" style=\"left:616px;bottom:679px;letter-spacing:0.24px;display:inline;\">3,450 </div><div class=\"t s9_80\" id=\"tm_80\" style=\"left:737px;bottom:679px;letter-spacing:0.31px;display:inline;\">2,500 </div>\n<div class=\"t s4_80\" id=\"tn_80\" style=\"left:78px;bottom:657px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Net cash used in investing activities </div><div class=\"t s8_80\" id=\"to_80\" style=\"left:616px;bottom:657px;letter-spacing:0.24px;display:inline;\">3,450 </div><div class=\"t s9_80\" id=\"tp_80\" style=\"left:737px;bottom:657px;letter-spacing:0.31px;display:inline;\">2,500 </div>\n<div class=\"t s4_80\" id=\"tq_80\" style=\"left:78px;bottom:635px;letter-spacing:0.1px;display:inline;\">Financing activities </div>\n<div class=\"t sa_80\" id=\"tr_80\" style=\"left:95px;bottom:613px;letter-spacing:0.07px;display:inline;\">Proceeds from issue of shares </div><div class=\"t s8_80\" id=\"ts_80\" style=\"left:639px;bottom:613px;display:inline;\">1 </div><div class=\"t sb_80\" id=\"tt_80\" style=\"left:760px;bottom:613px;display:inline;\">\u2013 </div>\n<div class=\"t sa_80\" id=\"tu_80\" style=\"left:95px;bottom:591px;letter-spacing:0.06px;word-spacing:0.01px;display:inline;\">Purchase of own shares by the SIP* </div><div class=\"t s4_80\" id=\"tv_80\" style=\"left:629px;bottom:591px;letter-spacing:0.12px;display:inline;\">(54) </div><div class=\"t sb_80\" id=\"tw_80\" style=\"left:750px;bottom:591px;letter-spacing:0.18px;display:inline;\">(35) </div>\n<div class=\"t sa_80\" id=\"tx_80\" style=\"left:95px;bottom:568px;letter-spacing:0.06px;display:inline;\">Proceeds from disposal of own shares by the SIP* </div><div class=\"t s8_80\" id=\"ty_80\" style=\"left:632px;bottom:568px;letter-spacing:0.19px;display:inline;\">21 </div><div class=\"t s9_80\" id=\"tz_80\" style=\"left:754px;bottom:568px;letter-spacing:0.25px;display:inline;\">20 </div>\n<div class=\"t sa_80\" id=\"t10_80\" style=\"left:95px;bottom:546px;letter-spacing:0.1px;display:inline;\">Dividends paid </div><div class=\"t sb_80\" id=\"t11_80\" style=\"left:511px;bottom:546px;letter-spacing:0.37px;display:inline;\">13 </div><div class=\"t s8_80\" id=\"t12_80\" style=\"left:612px;bottom:546px;letter-spacing:0.2px;display:inline;\">(3,310) </div><div class=\"t s9_80\" id=\"t13_80\" style=\"left:735px;bottom:546px;letter-spacing:0.14px;display:inline;\">(3,244) </div>\n<div class=\"t s4_80\" id=\"t14_80\" style=\"left:78px;bottom:524px;letter-spacing:0.1px;word-spacing:-0.02px;display:inline;\">Net cash used in financing activities </div><div class=\"t s8_80\" id=\"t15_80\" style=\"left:612px;bottom:524px;letter-spacing:0.22px;display:inline;\">(3,342) </div><div class=\"t s9_80\" id=\"t16_80\" style=\"left:735px;bottom:524px;letter-spacing:0.13px;display:inline;\">(3,259) </div>\n<div class=\"t sa_80\" id=\"t17_80\" style=\"left:78px;bottom:502px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Net change in cash and cash equivalents </div><div class=\"t s8_80\" id=\"t18_80\" style=\"left:626px;bottom:502px;letter-spacing:0.33px;display:inline;\">118 </div><div class=\"t s9_80\" id=\"t19_80\" style=\"left:754px;bottom:502px;letter-spacing:-0.01px;display:inline;\">27 </div>\n<div class=\"t s4_80\" id=\"t1a_80\" style=\"left:78px;bottom:480px;letter-spacing:0.09px;word-spacing:-0.04px;display:inline;\">Cash and cash equivalents, beginning of year </div><div class=\"t s9_80\" id=\"t1b_80\" style=\"left:511px;bottom:480px;letter-spacing:0.23px;display:inline;\">21 </div><div class=\"t s8_80\" id=\"t1c_80\" style=\"left:626px;bottom:480px;letter-spacing:0.27px;display:inline;\">119 </div><div class=\"t s9_80\" id=\"t1d_80\" style=\"left:754px;bottom:480px;letter-spacing:0.28px;display:inline;\">92 </div>\n<div class=\"t s4_80\" id=\"t1e_80\" style=\"left:78px;bottom:458px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Cash and cash equivalents, end of year </div><div class=\"t s9_80\" id=\"t1f_80\" style=\"left:511px;bottom:458px;letter-spacing:0.23px;display:inline;\">21 </div><div class=\"t s8_80\" id=\"t1g_80\" style=\"left:626px;bottom:458px;letter-spacing:0.19px;display:inline;\">237 </div><div class=\"t sb_80\" id=\"t1h_80\" style=\"left:747px;bottom:458px;letter-spacing:0.31px;display:inline;\">119 </div>\n<div class=\"t s4_80\" id=\"t1i_80\" style=\"left:78px;bottom:435px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Operating activities </div>\n<div class=\"t sa_80\" id=\"t1j_80\" style=\"left:78px;bottom:413px;letter-spacing:0.06px;word-spacing:-0.06px;display:inline;\">Profit after tax </div><div class=\"t s4_80\" id=\"t1k_80\" style=\"left:616px;bottom:413px;letter-spacing:0.29px;display:inline;\">3,364 </div><div class=\"t s9_80\" id=\"t1l_80\" style=\"left:738px;bottom:413px;letter-spacing:0.12px;display:inline;\">2,278 </div>\n<div class=\"t sa_80\" id=\"t1m_80\" style=\"left:78px;bottom:391px;letter-spacing:0.1px;word-spacing:-0.08px;display:inline;\">Changes in working capital </div>\n<div class=\"t sa_80\" id=\"t1n_80\" style=\"left:95px;bottom:369px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Trade and other receivables </div><div class=\"t s8_80\" id=\"t1o_80\" style=\"left:622px;bottom:369px;letter-spacing:0.14px;display:inline;\">(129) </div><div class=\"t s9_80\" id=\"t1p_80\" style=\"left:738px;bottom:369px;letter-spacing:0.23px;display:inline;\">1,086 </div>\n<div class=\"t sa_80\" id=\"t1q_80\" style=\"left:95px;bottom:347px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t s8_80\" id=\"t1r_80\" style=\"left:626px;bottom:347px;letter-spacing:0.27px;display:inline;\">225 </div><div class=\"t s9_80\" id=\"t1s_80\" style=\"left:751px;bottom:347px;letter-spacing:0.13px;display:inline;\">(78) </div>\n<div class=\"t sa_80\" id=\"t1t_80\" style=\"left:95px;bottom:325px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Dividends received </div><div class=\"t s8_80\" id=\"t1u_80\" style=\"left:612px;bottom:325px;letter-spacing:0.22px;display:inline;\">(3,450) </div><div class=\"t s9_80\" id=\"t1v_80\" style=\"left:734px;bottom:325px;letter-spacing:0.2px;display:inline;\">(2,500) </div>\n<div class=\"t s4_80\" id=\"t1w_80\" style=\"left:78px;bottom:302px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Net cash from operating activities </div><div class=\"t s8_80\" id=\"t1x_80\" style=\"left:632px;bottom:302px;letter-spacing:0.26px;display:inline;\">10 </div><div class=\"t s9_80\" id=\"t1y_80\" style=\"left:747px;bottom:302px;letter-spacing:0.23px;display:inline;\">786 </div>\n<div class=\"t sc_80\" id=\"t1z_80\" style=\"left:74px;bottom:271px;display:inline;\">* </div><div class=\"t sc_80\" id=\"t20_80\" style=\"left:87px;bottom:271px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">PG Share Ownership Plan (SIP) </div>\n<div class=\"t sd_80\" id=\"t21_80\" style=\"left:74px;bottom:247px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">The parent Company has cash and cash equivalents at 31 December 2022 including \u00a3168,000 (2021: \u00a350,000) of </div>\n<div class=\"t sd_80\" id=\"t22_80\" style=\"left:74px;bottom:228px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Company\u2019s own cash and \u00a369,000 (\u00a385,000) relating to the purchase and sale of SIP shares by the employee benefit trust. </div>\n<div class=\"t se_80\" id=\"t23_80\" style=\"left:74px;bottom:197px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The accompanying accounting policies and notes form an integral part of these financial statements. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfConsolidatedAndSeparateFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8819": {
   "value": "2022-12-31",
   "dimensions": {
    "concept": "ifrs-full:DateOfEndOfReportingPeriod2013",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8848": {
   "value": "1561000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:IssuedCapitalMember",
    "unit": "iso4217:GBP"
   }
  },
  "f8850": {
   "value": "1134000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:SharePremiumMember",
    "unit": "iso4217:GBP"
   }
  },
  "f8852": {
   "value": "24000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:CapitalRedemptionReserveMember",
    "unit": "iso4217:GBP"
   }
  },
  "f8854": {
   "value": "158000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:ReserveOfSharebasedPaymentsMember",
    "unit": "iso4217:GBP"
   }
  },
  "f8856": {
   "value": "-32000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:OtherReservesMember",
    "unit": "iso4217:GBP"
   }
  },
  "f8858": {
   "value": "38436000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:Equity",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00",
    "ifrs-full:ComponentsOfEquityAxis": "ifrs-full:RetainedEarningsMember",
    "unit": "iso4217:GBP"
   }
  },
  "f8860": {
   "value": "41281000",
   "decimals": -3,
   "dimensions": {
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  "f9499": {
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    "unit": "iso4217:GBP"
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  },
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  "f9504": {
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  "f9511": {
   "value": "23000",
   "decimals": -3,
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    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  "f9514": {
   "value": "20000",
   "decimals": -3,
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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
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  },
  "f9516": {
   "value": "32000",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:AdjustmentsForInterestExpense",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
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  },
  "f9520": {
   "value": "291000",
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    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  "f9522": {
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    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
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  "f9526": {
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   "decimals": -3,
   "dimensions": {
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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
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  "f9528": {
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    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
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  },
  "f9532": {
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    "entity": "scheme:213800TN8BH2YYWAH345",
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  "f9534": {
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   "decimals": -3,
   "dimensions": {
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    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:GBP"
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  "f9537": {
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   "decimals": -3,
   "dimensions": {
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    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
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    "entity": "scheme:213800TN8BH2YYWAH345",
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    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
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   "value": "1 General information <div class=\"t s8_81\" id=\"tc_81\" style=\"left:74px;bottom:743px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">The principal activities of Personal Group Holdings Plc (\u201cthe Company\u201d) and subsidiaries </div>\n<div class=\"t s8_81\" id=\"td_81\" style=\"left:74px;bottom:725px;letter-spacing:-0.03px;display:inline;\">(together \u201cthe Group\u201d) include providing employee services and transacting short-term </div>\n<div class=\"t s8_81\" id=\"te_81\" style=\"left:74px;bottom:707px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">accident and health insurance in the UK. </div>\n<div class=\"t s8_81\" id=\"tf_81\" style=\"left:74px;bottom:675px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">The Company is a limited liability company incorporated and domiciled in England. </div>\n<div class=\"t s8_81\" id=\"tg_81\" style=\"left:74px;bottom:657px;letter-spacing:-0.04px;display:inline;\">The address of its registered office is John Ormond House, 899 Silbury Boulevard, </div>\n<div class=\"t s8_81\" id=\"th_81\" style=\"left:74px;bottom:639px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Milton Keynes, MK9 3XL. </div>\n<div class=\"t s8_81\" id=\"ti_81\" style=\"left:74px;bottom:607px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">The Company is listed on the Alternative Investment Market of the London Stock Exchange. </div>\n<div class=\"t s8_81\" id=\"tj_81\" style=\"left:74px;bottom:576px;letter-spacing:-0.05px;display:inline;\">These financial statements have been approved for issue by the Board of Directors </div>\n<div class=\"t s8_81\" id=\"tk_81\" style=\"left:74px;bottom:558px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">on 27\u00a0March 2023. </div>\n<div class=\"t s7_81\" id=\"tl_81\" style=\"left:74px;bottom:524px;letter-spacing:0.17px;word-spacing:2.22px;display:inline;\">2 Accounting policies </div>\n<div class=\"t s8_81\" id=\"tm_81\" style=\"left:74px;bottom:502px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">These financial statements of Personal Group Holdings Plc are for the year ended </div>\n<div class=\"t s8_81\" id=\"tn_81\" style=\"left:74px;bottom:484px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">31\u00a0December 2022. The financial statements are prepared in accordance with UK </div>\n<div class=\"t s8_81\" id=\"to_81\" style=\"left:74px;bottom:466px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">endorsed IFRS in conformity with the requirements of Companies Act\u00a02006. </div>\n<div class=\"t s9_81\" id=\"tp_81\" style=\"left:74px;bottom:434px;letter-spacing:-0.09px;word-spacing:0.02px;display:inline;\">IFRS 17 \u2013 Insurance Contracts </div><div class=\"t s8_81\" id=\"tq_81\" style=\"left:242px;bottom:434px;letter-spacing:-0.1px;word-spacing:-0.05px;display:inline;\">is to\u00a0be effective for periods from 1 January 2023. IFRS 17 </div>\n<div class=\"t s8_81\" id=\"tr_81\" style=\"left:74px;bottom:416px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">\u2018Insurance contracts\u2019 provides comprehensive guidance on accounting for insurance </div>\n<div class=\"t s8_81\" id=\"ts_81\" style=\"left:74px;bottom:398px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">contracts and investment contracts with discretionary features and is expected to </div>\n<div class=\"t s8_81\" id=\"tt_81\" style=\"left:74px;bottom:379px;letter-spacing:-0.17px;display:inline;\">have a significant impact on accounting for insurance contracts and presentation of the </div>\n<div class=\"t s8_81\" id=\"tu_81\" style=\"left:74px;bottom:361px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">insurance revenue and insurance service result for many insurers. </div>\n<div class=\"t s8_81\" id=\"tv_81\" style=\"left:74px;bottom:330px;letter-spacing:-0.31px;word-spacing:0.01px;display:inline;\">Under IFRS 17, different measurement approaches for the insurance contract liabilities apply, </div>\n<div class=\"t s8_81\" id=\"tw_81\" style=\"left:74px;bottom:311px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">depending on the length and nature of the insurance contracts being accounted for. </div>\n<div class=\"t s8_81\" id=\"tx_81\" style=\"left:74px;bottom:293px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">For certain contracts, IFRS 17 foresees a simplified (premium allocation) approach, </div>\n<div class=\"t s8_81\" id=\"ty_81\" style=\"left:74px;bottom:275px;letter-spacing:-0.04px;display:inline;\">which can be applied to contracts that have a coverage period of 12 months or less or </div>\n<div class=\"t s8_81\" id=\"tz_81\" style=\"left:74px;bottom:256px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">for which such simplification would produce a measurement of the liability for remaining </div>\n<div class=\"t s8_81\" id=\"t10_81\" style=\"left:74px;bottom:238px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">coverage and liability for incurred claims, that would not differ materially from the one </div>\n<div class=\"t s8_81\" id=\"t11_81\" style=\"left:74px;bottom:220px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">obtained applying the general model. </div>\n<div class=\"t s8_81\" id=\"t12_81\" style=\"left:74px;bottom:188px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">All hospital plan, death benefit plan and convalescence plan policies written by the Group </div>\n<div class=\"t s8_81\" id=\"t13_81\" style=\"left:74px;bottom:170px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">are less than 12 months in length. While Employee Default policies may be longer than </div>\n<div class=\"t s8_81\" id=\"t14_81\" style=\"left:74px;bottom:152px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">12 months, calculations performed by the Group indicate that the application of the </div>\n<div class=\"t s8_81\" id=\"t15_81\" style=\"left:74px;bottom:133px;letter-spacing:-0.1px;display:inline;\">simplified premium allocation approach under IFRS 17 does not yield a materially different </div>\n<div class=\"t s8_81\" id=\"t16_81\" style=\"left:74px;bottom:115px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">result than that obtained by applying the general model (profit difference identified for </div>\n<div class=\"t s8_81\" id=\"t17_81\" style=\"left:74px;bottom:97px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">2022 would have been circa \u00a350k higher under the General Method). </div>\n<div class=\"t s8_81\" id=\"t18_81\" style=\"left:621px;bottom:768px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">The Group has, therefore, assessed that all insurance contracts issued, and held in force </div>\n<div class=\"t s8_81\" id=\"t19_81\" style=\"left:621px;bottom:749px;letter-spacing:-0.1px;word-spacing:-0.08px;display:inline;\">as of the transition date, will be eligible for the application of the simplified approach </div>\n<div class=\"t s8_81\" id=\"t1a_81\" style=\"left:621px;bottom:731px;letter-spacing:-0.11px;word-spacing:-0.04px;display:inline;\">and will apply the simplified approach for such contracts under IFRS 17. Due to their </div>\n<div class=\"t s8_81\" id=\"t1b_81\" style=\"left:621px;bottom:713px;letter-spacing:-0.12px;word-spacing:-0.04px;display:inline;\">short-term nature such in-force contracts will typically use the fully retrospective </div>\n<div class=\"t s8_81\" id=\"t1c_81\" style=\"left:621px;bottom:694px;letter-spacing:-0.09px;word-spacing:0.02px;display:inline;\">transition approach. </div>\n<div class=\"t s8_81\" id=\"t1d_81\" style=\"left:621px;bottom:663px;letter-spacing:-0.05px;display:inline;\">The Group will adopt IFRS 17 retrospectively and restate the comparative period of 2022 </div>\n<div class=\"t s8_81\" id=\"t1e_81\" style=\"left:621px;bottom:645px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">where required. The Group expects the impact of IFRS 17 on net equity at 1 January 2022 </div>\n<div class=\"t s8_81\" id=\"t1f_81\" style=\"left:621px;bottom:626px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">and 31 December 2022 to be immaterial. </div>\n<div class=\"t sa_81\" id=\"t1g_81\" style=\"left:621px;bottom:596px;letter-spacing:-0.03px;word-spacing:1.26px;display:inline;\">2.1 Basis of preparation </div>\n<div class=\"t s8_81\" id=\"t1h_81\" style=\"left:621px;bottom:574px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">The functional and presentational currency of the Group is Sterling. These statements </div>\n<div class=\"t s8_81\" id=\"t1i_81\" style=\"left:621px;bottom:556px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">and the prior year comparatives have been presented to the nearest thousand, unless </div>\n<div class=\"t s8_81\" id=\"t1j_81\" style=\"left:621px;bottom:537px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">otherwise stated. </div>\n<div class=\"t s8_81\" id=\"t1k_81\" style=\"left:621px;bottom:506px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">In preparing these consolidated financial statements, management has made judgements, </div>\n<div class=\"t s8_81\" id=\"t1l_81\" style=\"left:621px;bottom:488px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">estimates and assumptions that affect the application\u00a0of the Group\u2019s accounting policies </div>\n<div class=\"t s8_81\" id=\"t1m_81\" style=\"left:621px;bottom:469px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">and the reported amount of assets, liabilities, income and expenses. Actual results may </div>\n<div class=\"t s8_81\" id=\"t1n_81\" style=\"left:621px;bottom:451px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">differ from these estimates. </div>\n<div class=\"t s8_81\" id=\"t1o_81\" style=\"left:621px;bottom:420px;letter-spacing:-0.03px;display:inline;\">Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to </div>\n<div class=\"t s8_81\" id=\"t1p_81\" style=\"left:621px;bottom:401px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">estimates are recognised prospectively. </div>\n<div class=\"t sb_81\" id=\"t1q_81\" style=\"left:621px;bottom:371px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">Climate Risk </div>\n<div class=\"t s8_81\" id=\"t1r_81\" style=\"left:621px;bottom:351px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">In preparing these financial statements the Directors have considered the impact of </div>\n<div class=\"t s8_81\" id=\"t1s_81\" style=\"left:621px;bottom:333px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">the physical and transition risks of climate change, but have concluded that it does </div>\n<div class=\"t s8_81\" id=\"t1t_81\" style=\"left:621px;bottom:314px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">not have a material impact on the recognition and measurement of the assets and </div>\n<div class=\"t s8_81\" id=\"t1u_81\" style=\"left:621px;bottom:296px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">liabilities in these financial statements as at 31 December 2022. This is because the </div>\n<div class=\"t s8_81\" id=\"t1v_81\" style=\"left:621px;bottom:278px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">assets are reported at fair value under UK endorsed IFRS. Market prices will include the </div>\n<div class=\"t s8_81\" id=\"t1w_81\" style=\"left:621px;bottom:259px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">current expectations of the impact of climate change on these investments. Insurance </div>\n<div class=\"t s8_81\" id=\"t1x_81\" style=\"left:621px;bottom:241px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">liabilities are accrued based on past insurable events so will not be impacted by any </div>\n<div class=\"t s8_81\" id=\"t1y_81\" style=\"left:621px;bottom:223px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">future impact of climate change. However, we recognise that government and societal </div>\n<div class=\"t s8_81\" id=\"t1z_81\" style=\"left:621px;bottom:204px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">responses to climate change risks are still developing and the future impact cannot be </div>\n<div class=\"t s8_81\" id=\"t20_81\" style=\"left:621px;bottom:186px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">predicted. Future valuations of assets may therefore differ as the market responds to </div>\n<div class=\"t s8_81\" id=\"t21_81\" style=\"left:621px;bottom:168px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">these changing impacts or assesses the impact of current requirements differently and </div>\n<div class=\"t s8_81\" id=\"t22_81\" style=\"left:621px;bottom:149px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">the frequency/magnitude of future insurable events linked to the effect of climate risks </div>\n<div class=\"t s8_81\" id=\"t23_81\" style=\"left:621px;bottom:131px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">could change. </div><div></div><div class=\"t s1_82\" id=\"t1_82\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_82\" id=\"t2_82\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_82\" id=\"t3_82\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_82\" id=\"t4_82\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_82\" id=\"t5_82\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_82\" id=\"t6_82\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_82\" id=\"t7_82\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_82\" id=\"t8_82\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_82\" id=\"t9_82\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n<div class=\"t sc_82\" id=\"tg_82\" style=\"left:74px;bottom:724px;letter-spacing:-0.01px;display:inline;\">Judgements </div>\n<div class=\"t sd_82\" id=\"th_82\" style=\"left:74px;bottom:703px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Information about judgements made in applying accounting policies that have the most </div>\n<div class=\"t sd_82\" id=\"ti_82\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">significant effects on the amounts recognised in the consolidated financial statements </div>\n<div class=\"t sd_82\" id=\"tj_82\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tk_82\" style=\"left:74px;bottom:635px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tl_82\" style=\"left:87px;bottom:635px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Agent vs principal (Note 2.22) \u2013 whether the sale of discounted vouchers should be </div>\n<div class=\"t sd_82\" id=\"tm_82\" style=\"left:87px;bottom:617px;letter-spacing:-0.04px;display:inline;\">treated as a principal or agency transaction. </div>\n<div class=\"t sc_82\" id=\"tn_82\" style=\"left:74px;bottom:587px;word-spacing:-0.12px;display:inline;\">Assumptions and estimation uncertainties </div>\n<div class=\"t sd_82\" id=\"to_82\" style=\"left:74px;bottom:567px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Information about assumptions and estimation uncertainties that have a significant risk of </div>\n<div class=\"t sd_82\" id=\"tp_82\" style=\"left:74px;bottom:548px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">resulting in a material adjustment to the carrying amounts of assets and liabilities within </div>\n<div class=\"t sd_82\" id=\"tq_82\" style=\"left:74px;bottom:530px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the year ending 31 December 2022 is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tr_82\" style=\"left:74px;bottom:499px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"ts_82\" style=\"left:87px;bottom:499px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Goodwill valuation (Note 14) \u2013 key assumptions underlying recoverable amounts. </div>\n<div class=\"t se_82\" id=\"tt_82\" style=\"left:74px;bottom:476px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tu_82\" style=\"left:87px;bottom:476px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Establishing the value of claims outstanding (Note 25) \u2013 key assumptions regarding </div>\n<div class=\"t sd_82\" id=\"tv_82\" style=\"left:87px;bottom:458px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">the provisions for claims. </div>\n<div class=\"t sc_82\" id=\"tw_82\" style=\"left:74px;bottom:428px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Going concern </div>\n<div class=\"t sd_82\" id=\"tx_82\" style=\"left:74px;bottom:407px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">The financial statements are prepared on a going concern basis. In considering </div>\n<div class=\"t sd_82\" id=\"ty_82\" style=\"left:74px;bottom:389px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">going concern, the Directors have reviewed the Group\u2019s and Company\u2019s future cash </div>\n<div class=\"t sd_82\" id=\"tz_82\" style=\"left:74px;bottom:371px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">requirements, earnings projections and capital projections over the next 12 months </div>\n<div class=\"t sd_82\" id=\"t10_82\" style=\"left:74px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ending 27 March 2024. The Directors believe that projections have been prepared on </div>\n<div class=\"t sd_82\" id=\"t11_82\" style=\"left:74px;bottom:334px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">a prudent basis and have also considered the impact of a range of potential\u00a0changes </div>\n<div class=\"t sd_82\" id=\"t12_82\" style=\"left:74px;bottom:316px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">to trading performance over the next 12 months ending 27 March 2024, including the </div>\n<div class=\"t sd_82\" id=\"t13_82\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">impacts of climate risk discussed above. </div>\n<div class=\"t sd_82\" id=\"t14_82\" style=\"left:74px;bottom:266px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Having prepared and considered these stress scenarios the Directors have concluded </div>\n<div class=\"t sd_82\" id=\"t15_82\" style=\"left:74px;bottom:248px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the Group and Company will be able to operate without requiring any external </div>\n<div class=\"t sd_82\" id=\"t16_82\" style=\"left:74px;bottom:229px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">funding and therefore believe it is appropriate to prepare the financial statements </div>\n<div class=\"t sd_82\" id=\"t17_82\" style=\"left:74px;bottom:211px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">of the Group and Company on a going concern basis. This is supported by the Group\u2019s, </div>\n<div class=\"t sd_82\" id=\"t18_82\" style=\"left:74px;bottom:193px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">and Company\u2019s, liquidity position at the year end. </div>\n<div class=\"t sa_82\" id=\"t19_82\" style=\"left:621px;bottom:767px;letter-spacing:0.02px;word-spacing:1.22px;display:inline;\">2.2 Basis of consolidation </div>\n<div class=\"t sc_82\" id=\"t1a_82\" style=\"left:621px;bottom:746px;letter-spacing:0.01px;display:inline;\">Subsidiaries </div>\n<div class=\"t sd_82\" id=\"t1b_82\" style=\"left:621px;bottom:726px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">Subsidiaries are entities controlled by the Group. The Group controls an entity when it </div>\n<div class=\"t sd_82\" id=\"t1c_82\" style=\"left:621px;bottom:707px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">is exposed to, or has rights to, variable returns from its involvement with the entity and </div>\n<div class=\"t sd_82\" id=\"t1d_82\" style=\"left:621px;bottom:689px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">has the ability to affect those returns through its power over the entity. In assessing </div>\n<div class=\"t sd_82\" id=\"t1e_82\" style=\"left:621px;bottom:671px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">control, the Group takes into consideration potential voting rights that are currently </div>\n<div class=\"t sd_82\" id=\"t1f_82\" style=\"left:621px;bottom:652px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">exercisable. The acquisition date is the date on which control is transferred to the </div>\n<div class=\"t sd_82\" id=\"t1g_82\" style=\"left:621px;bottom:634px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">acquirer. The financial statements of subsidiaries are included in the consolidated </div>\n<div class=\"t sd_82\" id=\"t1h_82\" style=\"left:621px;bottom:616px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">financial statements from the date that control commences until the date that </div>\n<div class=\"t sd_82\" id=\"t1i_82\" style=\"left:621px;bottom:597px;letter-spacing:-0.07px;word-spacing:0.06px;display:inline;\">control ceases. </div>\n<div class=\"t sc_82\" id=\"t1j_82\" style=\"left:621px;bottom:567px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Transactions eliminated on consolidation </div>\n<div class=\"t sd_82\" id=\"t1k_82\" style=\"left:621px;bottom:547px;letter-spacing:-0.16px;display:inline;\">Intra-Group balances and transactions, and any unrealised income and expenses arising </div>\n<div class=\"t sd_82\" id=\"t1l_82\" style=\"left:621px;bottom:529px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">from these transactions, are eliminated on consolidation. </div>\n<div class=\"t sa_82\" id=\"t1m_82\" style=\"left:621px;bottom:499px;letter-spacing:0.01px;word-spacing:0.88px;display:inline;\">2.3 Goodwill and acquired intangibles </div>\n<div class=\"t sd_82\" id=\"t1n_82\" style=\"left:621px;bottom:476px;letter-spacing:-0.06px;word-spacing:-0.05px;display:inline;\">Goodwill representing the excess of the cost of acquisition over the fair value of the </div>\n<div class=\"t sd_82\" id=\"t1o_82\" style=\"left:621px;bottom:458px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Group\u2019s share of the identifiable net assets acquired, is capitalised and reviewed </div>\n<div class=\"t sd_82\" id=\"t1p_82\" style=\"left:621px;bottom:440px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">annually for impairment. Goodwill is carried at cost less accumulated impairment losses. </div>\n<div class=\"t sd_82\" id=\"t1q_82\" style=\"left:621px;bottom:421px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">Negative goodwill is recognised immediately after acquisition in the income statement. </div>\n<div class=\"t sd_82\" id=\"t1r_82\" style=\"left:621px;bottom:390px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Intangible assets meeting the relevant recognition criteria are initially measured at cost </div>\n<div class=\"t sd_82\" id=\"t1s_82\" style=\"left:621px;bottom:372px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">and amortised on a systematic basis over their useful lives. </div>\n<div class=\"t sa_82\" id=\"t1t_82\" style=\"left:621px;bottom:341px;word-spacing:3.92px;display:inline;\">2.4 Revenue </div>\n<div class=\"t sd_82\" id=\"t1u_82\" style=\"left:621px;bottom:319px;letter-spacing:-0.06px;word-spacing:-0.03px;display:inline;\">Revenue is measured by reference to the fair value of consideration received or </div>\n<div class=\"t sd_82\" id=\"t1v_82\" style=\"left:621px;bottom:301px;letter-spacing:-0.07px;word-spacing:-0.01px;display:inline;\">receivable by the Group for goods supplied and services provided, excluding VAT, </div>\n<div class=\"t sd_82\" id=\"t1w_82\" style=\"left:621px;bottom:282px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">IPT and trade discounts. </div>\n<div class=\"t sd_82\" id=\"t1x_82\" style=\"left:621px;bottom:251px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Whilst IFRS 15 considerations have been noted for the most significant revenue streams to </div>\n<div class=\"t sd_82\" id=\"t1y_82\" style=\"left:621px;bottom:233px;letter-spacing:-0.03px;display:inline;\">which it is applicable, the insurance premium revenue stream is out of scope for IFRS\u00a015. </div><div></div><div class=\"t s1_83\" id=\"t1_83\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_83\" id=\"t2_83\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_83\" id=\"t3_83\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_83\" id=\"t4_83\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_83\" id=\"t5_83\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_83\" id=\"t6_83\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_83\" id=\"t7_83\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_83\" id=\"t8_83\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_83\" id=\"t9_83\" style=\"left:1107px;bottom:878px;letter-spacing:-0.25px;display:inline;\"></div>\n<div class=\"t sc_83\" id=\"tg_83\" style=\"left:74px;bottom:724px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Earned premium </div>\n<div class=\"t sd_83\" id=\"th_83\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">Earned premium is recognised in the period in which the Group is legally bound through </div>\n<div class=\"t sd_83\" id=\"ti_83\" style=\"left:74px;bottom:685px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">a contract to provide insurance cover, which is typically a week or a month in length </div>\n<div class=\"t sd_83\" id=\"tj_83\" style=\"left:74px;bottom:667px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">and renews at the end of each cover period. It represents the earned amount of gross </div>\n<div class=\"t sd_83\" id=\"tk_83\" style=\"left:74px;bottom:648px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">written premiums receivable under the contract. The remainder of gross written </div>\n<div class=\"t sd_83\" id=\"tl_83\" style=\"left:74px;bottom:630px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">premiums are deferred as a provision for unearned premiums until recognised as </div>\n<div class=\"t sd_83\" id=\"tm_83\" style=\"left:74px;bottom:612px;letter-spacing:-0.31px;word-spacing:0.02px;display:inline;\">revenue computed on a monthly or daily pro-rata basis. The unearned premium reserve </div>\n<div class=\"t sd_83\" id=\"tn_83\" style=\"left:74px;bottom:593px;letter-spacing:-0.05px;display:inline;\">is typically small as a large proportion of policies are weekly renewals. </div>\n<div class=\"t sd_83\" id=\"to_83\" style=\"left:74px;bottom:562px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Net earned premiums are stated net of amounts passed to reinsurers. Premiums are </div>\n<div class=\"t sd_83\" id=\"tp_83\" style=\"left:74px;bottom:544px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">shown before deduction of commission and exclude any sales-based taxes or duties. </div>\n<div class=\"t sc_83\" id=\"tq_83\" style=\"left:74px;bottom:514px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Other insurance related </div>\n<div class=\"t sd_83\" id=\"tr_83\" style=\"left:74px;bottom:493px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Commission receivable on the renewal of previously sold financial services are </div>\n<div class=\"t sd_83\" id=\"ts_83\" style=\"left:74px;bottom:475px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">recognised by the Group as the renewal takes place with the underwriter. </div>\n<div class=\"t sc_83\" id=\"tt_83\" style=\"left:74px;bottom:445px;word-spacing:-0.12px;display:inline;\">Other Owned Benefits \u2013 IT Salary Sacrifice </div>\n<div class=\"t sd_83\" id=\"tu_83\" style=\"left:74px;bottom:425px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Income from the provision of salary sacrifice technology products is recognised when </div>\n<div class=\"t sd_83\" id=\"tv_83\" style=\"left:74px;bottom:405px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the goods are dispatched. </div>\n<div class=\"t se_83\" id=\"tw_83\" style=\"left:78px;bottom:369px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">IFRS 15 \u2013 IT salary sacrifice income (Other Owned Benefits) </div>\n<div class=\"t sf_83\" id=\"tx_83\" style=\"left:78px;bottom:347px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"ty_83\" style=\"left:78px;bottom:330px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"tz_83\" style=\"left:191px;bottom:347px;letter-spacing:0.06px;word-spacing:0.02px;display:inline;\">Provision of IT goods to employer companies. Goods are acquired by </div>\n<div class=\"t sf_83\" id=\"t10_83\" style=\"left:191px;bottom:330px;letter-spacing:0.07px;word-spacing:-0.03px;display:inline;\">the Group from various suppliers and held as inventory until sold to </div>\n<div class=\"t sf_83\" id=\"t11_83\" style=\"left:191px;bottom:312px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">customers at an agreed price. </div>\n<div class=\"t sf_83\" id=\"t12_83\" style=\"left:78px;bottom:290px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t13_83\" style=\"left:191px;bottom:290px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Purchase price varies dependant on product purchased but is </div>\n<div class=\"t sf_83\" id=\"t14_83\" style=\"left:191px;bottom:273px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">clearly indicated. </div>\n<div class=\"t sf_83\" id=\"t15_83\" style=\"left:78px;bottom:250px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t16_83\" style=\"left:191px;bottom:250px;letter-spacing:0.07px;word-spacing:-0.06px;display:inline;\">Prices are allocated by product, volumes and values. </div>\n<div class=\"t sf_83\" id=\"t17_83\" style=\"left:78px;bottom:228px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t18_83\" style=\"left:78px;bottom:211px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t19_83\" style=\"left:191px;bottom:228px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Revenue is recognised on dispatch as Group has met its performance </div>\n<div class=\"t sf_83\" id=\"t1a_83\" style=\"left:191px;bottom:211px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">obligation as per the contracts in place. </div>\n<div class=\"t sc_83\" id=\"t1b_83\" style=\"left:74px;bottom:173px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Platform income </div>\n<div class=\"t sd_83\" id=\"t1c_83\" style=\"left:74px;bottom:153px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Platform income, including that derived from Hapi, is recognised on a straight-line basis </div>\n<div class=\"t sd_83\" id=\"t1d_83\" style=\"left:74px;bottom:135px;letter-spacing:-0.06px;word-spacing:-0.04px;display:inline;\">over the length of the contract. </div>\n<div class=\"t sd_83\" id=\"t1e_83\" style=\"left:74px;bottom:103px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Where a proportion of this income and costs, credited or charged in the current year, </div>\n<div class=\"t sd_83\" id=\"t1f_83\" style=\"left:74px;bottom:85px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">relate to the provision of services provided in the following year, they are carried </div>\n<div class=\"t sd_83\" id=\"t1g_83\" style=\"left:74px;bottom:67px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">forward as deferred income or costs, calculated on a daily pro-rata basis. </div>\n<div class=\"t se_83\" id=\"t1h_83\" style=\"left:626px;bottom:761px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">IFRS 15 \u2013 Platform income (Benefits Platform) </div>\n<div class=\"t sf_83\" id=\"t1i_83\" style=\"left:626px;bottom:740px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"t1j_83\" style=\"left:626px;bottom:722px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t1k_83\" style=\"left:738px;bottom:740px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Ongoing access to Hapi platform with each relevant month access </div>\n<div class=\"t sf_83\" id=\"t1l_83\" style=\"left:738px;bottom:722px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">is provided being considered a separate performance obligation. </div>\n<div class=\"t sf_83\" id=\"t1m_83\" style=\"left:626px;bottom:700px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t1n_83\" style=\"left:738px;bottom:700px;letter-spacing:0.07px;word-spacing:0.01px;display:inline;\">Prices are set on a by employee rate and are agreed with each client </div>\n<div class=\"t sf_83\" id=\"t1o_83\" style=\"left:738px;bottom:682px;letter-spacing:0.04px;display:inline;\">individually. </div>\n<div class=\"t sf_83\" id=\"t1p_83\" style=\"left:626px;bottom:660px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t1q_83\" style=\"left:738px;bottom:660px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">Price allocated evenly to each period/performance obligation. </div>\n<div class=\"t sf_83\" id=\"t1r_83\" style=\"left:626px;bottom:638px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t1s_83\" style=\"left:626px;bottom:620px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t1t_83\" style=\"left:738px;bottom:638px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">Recognised straight-line over period of agreement of service as </div>\n<div class=\"t sf_83\" id=\"t1u_83\" style=\"left:738px;bottom:620px;letter-spacing:0.1px;word-spacing:-0.01px;display:inline;\">the performance obligation is deemed to be met each month as </div>\n<div class=\"t sf_83\" id=\"t1v_83\" style=\"left:738px;bottom:603px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">the contract progresses. </div>\n<div class=\"t sd_83\" id=\"t1w_83\" style=\"left:621px;bottom:564px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Voucher income derives from customers ordering retail vouchers through the Hapi </div>\n<div class=\"t sd_83\" id=\"t1x_83\" style=\"left:621px;bottom:546px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">platform. E-vouchers are fulfilled and made available instantly to the customer while, </div>\n<div class=\"t sd_83\" id=\"t1y_83\" style=\"left:621px;bottom:527px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">for reloadable cards, customers receive these several working days after placing the </div>\n<div class=\"t sd_83\" id=\"t1z_83\" style=\"left:621px;bottom:509px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">order. Income from the sale of reloadable cards and e-vouchers is recognised as orders </div>\n<div class=\"t sd_83\" id=\"t20_83\" style=\"left:621px;bottom:491px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">are fulfilled by the Group. In the vast majority of these transactions the Group acts as </div>\n<div class=\"t sd_83\" id=\"t21_83\" style=\"left:621px;bottom:472px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">principal. Refer to 2.22 for further details of agent vs principal assessment. </div>\n<div class=\"t se_83\" id=\"t22_83\" style=\"left:626px;bottom:437px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">IFRS 15 \u2013 Voucher resale income </div>\n<div class=\"t sf_83\" id=\"t23_83\" style=\"left:626px;bottom:415px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"t24_83\" style=\"left:626px;bottom:397px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t25_83\" style=\"left:738px;bottom:415px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Provision of voucher to individuals/companies. </div>\n<div class=\"t sf_83\" id=\"t26_83\" style=\"left:626px;bottom:375px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t27_83\" style=\"left:738px;bottom:375px;letter-spacing:0.08px;display:inline;\">Prices are based on each retailer\u2019s discount on purchase into the Group. </div>\n<div class=\"t sf_83\" id=\"t28_83\" style=\"left:626px;bottom:353px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t29_83\" style=\"left:738px;bottom:353px;letter-spacing:0.09px;word-spacing:-0.05px;display:inline;\">Whole price allocated to the sole performance obligation. </div>\n<div class=\"t sf_83\" id=\"t2a_83\" style=\"left:626px;bottom:331px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t2b_83\" style=\"left:626px;bottom:313px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t2c_83\" style=\"left:738px;bottom:331px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">Recognised on dispatch of voucher as this is the point at which the Group </div>\n<div class=\"t sf_83\" id=\"t2d_83\" style=\"left:738px;bottom:313px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">has fulfilled its part of the agreed contract. </div>\n<div class=\"t sd_83\" id=\"t2e_83\" style=\"left:621px;bottom:274px;letter-spacing:-0.3px;display:inline;\">The Group receives income from its provision of HR consultancy services to corporate </div>\n<div class=\"t sd_83\" id=\"t2f_83\" style=\"left:621px;bottom:256px;letter-spacing:-0.3px;display:inline;\">clients. Consultancy income is recognised in the profit and loss account at the relevant </div>\n<div class=\"t sd_83\" id=\"t2g_83\" style=\"left:621px;bottom:238px;letter-spacing:-0.28px;word-spacing:-0.03px;display:inline;\">charge out rates of the consultants and based on the chargeable time spent on each </div>\n<div class=\"t sd_83\" id=\"t2h_83\" style=\"left:621px;bottom:219px;letter-spacing:-0.29px;word-spacing:0.02px;display:inline;\">client\u00a0project. </div><div></div><div class=\"t s1_84\" id=\"t1_84\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_84\" id=\"t2_84\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_84\" id=\"t3_84\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_84\" id=\"t4_84\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_84\" id=\"t5_84\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_84\" id=\"t6_84\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_84\" id=\"t7_84\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_84\" id=\"t8_84\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_84\" id=\"t9_84\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n<div class=\"t sc_84\" id=\"tg_84\" style=\"left:78px;bottom:718px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">IFRS 15 \u2013 Consultancy income (Pay and Reward) </div>\n<div class=\"t sd_84\" id=\"th_84\" style=\"left:78px;bottom:694px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sd_84\" id=\"ti_84\" style=\"left:78px;bottom:677px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sd_84\" id=\"tj_84\" style=\"left:191px;bottom:694px;letter-spacing:0.07px;word-spacing:0.01px;display:inline;\">Provision of consultancy services, typically based on an agreed number </div>\n<div class=\"t sd_84\" id=\"tk_84\" style=\"left:191px;bottom:677px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">of consultant hours. </div>\n<div class=\"t sd_84\" id=\"tl_84\" style=\"left:78px;bottom:650px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sd_84\" id=\"tm_84\" style=\"left:191px;bottom:650px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Prices are based on each contractual client agreement, dependant on </div>\n<div class=\"t sd_84\" id=\"tn_84\" style=\"left:191px;bottom:633px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">the level and duration of consultant hours\u00a0spent. </div>\n<div class=\"t sd_84\" id=\"to_84\" style=\"left:78px;bottom:606px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sd_84\" id=\"tp_84\" style=\"left:191px;bottom:606px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Each chargeable hour will have an agreed price dependant on the level </div>\n<div class=\"t sd_84\" id=\"tq_84\" style=\"left:191px;bottom:589px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">and experience of the consultant. </div>\n<div class=\"t sd_84\" id=\"tr_84\" style=\"left:78px;bottom:562px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sd_84\" id=\"ts_84\" style=\"left:78px;bottom:545px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sd_84\" id=\"tt_84\" style=\"left:191px;bottom:562px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Each consultant hour charged is considered a separate performance </div>\n<div class=\"t sd_84\" id=\"tu_84\" style=\"left:191px;bottom:545px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">obligation and recognition is recorded periodically (typically monthly) </div>\n<div class=\"t sd_84\" id=\"tv_84\" style=\"left:191px;bottom:527px;letter-spacing:0.1px;word-spacing:-0.03px;display:inline;\">based on chargeable hours in that period. </div>\n<div class=\"t se_84\" id=\"tw_84\" style=\"left:74px;bottom:494px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Other income </div>\n<div class=\"t sf_84\" id=\"tx_84\" style=\"left:74px;bottom:474px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Property rental income is recognised on a receivable basis when the right to receive </div>\n<div class=\"t sf_84\" id=\"ty_84\" style=\"left:74px;bottom:455px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">consideration has been established. </div>\n<div class=\"t se_84\" id=\"tz_84\" style=\"left:74px;bottom:425px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">Costs incurred to fulfil a contract </div>\n<div class=\"t sf_84\" id=\"t10_84\" style=\"left:74px;bottom:405px;letter-spacing:-0.23px;display:inline;\">Costs incurred to fulfil a contract under IFRS 15 are recognised as an asset under certain </div>\n<div class=\"t sf_84\" id=\"t11_84\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:-0.01px;display:inline;\">conditions laid out in IFRS 15.95. The capitalised contract costs are amortised on a </div>\n<div class=\"t sf_84\" id=\"t12_84\" style=\"left:74px;bottom:368px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">systematic basis that is consistent with the Company\u2019s transfer of the related goods </div>\n<div class=\"t sf_84\" id=\"t13_84\" style=\"left:74px;bottom:350px;letter-spacing:-0.06px;word-spacing:-0.07px;display:inline;\">or services to the customer. </div>\n<div class=\"t sf_84\" id=\"t14_84\" style=\"left:74px;bottom:319px;letter-spacing:-0.41px;word-spacing:-0.02px;display:inline;\">Capitalised contract costs are subject to an impairment assessment at the end of each </div>\n<div class=\"t sf_84\" id=\"t15_84\" style=\"left:74px;bottom:300px;letter-spacing:-0.42px;word-spacing:-0.01px;display:inline;\">reporting period. Impairment losses are recognised in the profit or loss. There are no contracts </div>\n<div class=\"t sf_84\" id=\"t16_84\" style=\"left:74px;bottom:281px;letter-spacing:-0.42px;word-spacing:-0.04px;display:inline;\">in the Group for which these conditions are met and, as such, no assets have been recognised. </div>\n<div class=\"t se_84\" id=\"t17_84\" style=\"left:74px;bottom:250px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Investment income </div>\n<div class=\"t sf_84\" id=\"t18_84\" style=\"left:74px;bottom:230px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Interest income is recognised on an effective interest rate method. </div>\n<div class=\"t sa_84\" id=\"t19_84\" style=\"left:74px;bottom:200px;letter-spacing:0.02px;word-spacing:3.91px;display:inline;\">2.5 Reinsurance </div>\n<div class=\"t sf_84\" id=\"t1a_84\" style=\"left:74px;bottom:178px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">Outwards reinsurance premiums are accounted for in the same accounting period as the </div>\n<div class=\"t sf_84\" id=\"t1b_84\" style=\"left:74px;bottom:159px;letter-spacing:-0.17px;display:inline;\">premiums for the related direct or inwards business being reinsured. Reinsurers\u2019 share of </div>\n<div class=\"t sf_84\" id=\"t1c_84\" style=\"left:74px;bottom:141px;letter-spacing:-0.03px;display:inline;\">technical reserves is shown as an asset in the balance sheet. </div>\n<div class=\"t sf_84\" id=\"t1d_84\" style=\"left:74px;bottom:110px;letter-spacing:-0.17px;word-spacing:0.02px;display:inline;\">Amounts recoverable under reinsurance contracts are assessed for impairment at each </div>\n<div class=\"t sf_84\" id=\"t1e_84\" style=\"left:74px;bottom:91px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">balance sheet date. If objective evidence of impairment exists reinsurance assets are </div>\n<div class=\"t sf_84\" id=\"t1f_84\" style=\"left:74px;bottom:73px;letter-spacing:-0.18px;word-spacing:-0.05px;display:inline;\">reduced to the level at which they are considered to be recoverable, and an impairment </div>\n<div class=\"t sf_84\" id=\"t1g_84\" style=\"left:74px;bottom:55px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">loss is recognised in the income statement. </div>\n<div class=\"t sa_84\" id=\"t1h_84\" style=\"left:621px;bottom:767px;word-spacing:0.7px;display:inline;\">2.6 Claims recognition and claims provisions </div>\n<div class=\"t sf_84\" id=\"t1i_84\" style=\"left:621px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The provision for claims represents the gross estimated liability arising from claim </div>\n<div class=\"t sf_84\" id=\"t1j_84\" style=\"left:621px;bottom:726px;letter-spacing:-0.1px;word-spacing:-0.07px;display:inline;\">episodes in the current and preceding financial years which have not given rise to claims </div>\n<div class=\"t sf_84\" id=\"t1k_84\" style=\"left:621px;bottom:708px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">paid. The provision includes an allowance for claims management and handling expenses. </div>\n<div class=\"t sf_84\" id=\"t1l_84\" style=\"left:621px;bottom:677px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The provision for claims is estimated based on current information, and the\u00a0ultimate </div>\n<div class=\"t sf_84\" id=\"t1m_84\" style=\"left:621px;bottom:658px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">liability may vary as a result of subsequent information and\u00a0events. </div>\n<div class=\"t sf_84\" id=\"t1n_84\" style=\"left:621px;bottom:627px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Adjustments to the amount of claims provision for prior years are included in the income </div>\n<div class=\"t sf_84\" id=\"t1o_84\" style=\"left:621px;bottom:609px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">statement in the financial year in which the change is made. </div>\n<div class=\"t sf_84\" id=\"t1p_84\" style=\"left:621px;bottom:577px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">In setting the provisions for claims outstanding, a best estimate is determined on an </div>\n<div class=\"t sf_84\" id=\"t1q_84\" style=\"left:621px;bottom:559px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">undiscounted basis and then a margin of prudence is added such that there is confidence </div>\n<div class=\"t sf_84\" id=\"t1r_84\" style=\"left:621px;bottom:541px;letter-spacing:-0.16px;word-spacing:-0.07px;display:inline;\">that future claims will be met from the provisions. When IFRS 17 becomes effective from </div>\n<div class=\"t sf_84\" id=\"t1s_84\" style=\"left:621px;bottom:522px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">1st January 2023, the margin of prudence added to the claims provision will form the </div>\n<div class=\"t sf_84\" id=\"t1t_84\" style=\"left:621px;bottom:504px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">basis of the risk adjustment for non-financial risk. The level of prudence set is one that </div>\n<div class=\"t sf_84\" id=\"t1u_84\" style=\"left:621px;bottom:486px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">provides an appropriate degree of confidence. </div>\n<div class=\"t sf_84\" id=\"t1v_84\" style=\"left:621px;bottom:454px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">The liability adequacy test is performed at each reported balance sheet date. This requires </div>\n<div class=\"t sf_84\" id=\"t1w_84\" style=\"left:621px;bottom:436px;letter-spacing:-0.1px;word-spacing:-0.02px;display:inline;\">the estimate of future cash flows under its insurance contracts to be measured against </div>\n<div class=\"t sf_84\" id=\"t1x_84\" style=\"left:621px;bottom:418px;letter-spacing:-0.09px;word-spacing:0.02px;display:inline;\">the recognised insurance liabilities. </div>\n<div class=\"t sa_84\" id=\"t1y_84\" style=\"left:621px;bottom:387px;word-spacing:0.46px;display:inline;\">2.7 Property, plant and equipment and intangible assets </div>\n<div class=\"t sf_84\" id=\"t1z_84\" style=\"left:621px;bottom:365px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Property, plant and equipment and software intangibles are stated at cost, net of </div>\n<div class=\"t sf_84\" id=\"t20_84\" style=\"left:621px;bottom:347px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">depreciation, amortisation and any provision for impairment. No depreciation or </div>\n<div class=\"t sf_84\" id=\"t21_84\" style=\"left:621px;bottom:329px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">amortisation is charged during the period of construction. </div>\n<div class=\"t se_84\" id=\"t22_84\" style=\"left:621px;bottom:298px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Research and development </div>\n<div class=\"t sf_84\" id=\"t23_84\" style=\"left:621px;bottom:278px;letter-spacing:-0.15px;display:inline;\">Expenditure on research activities is recognised in the income statement as an expense </div>\n<div class=\"t sf_84\" id=\"t24_84\" style=\"left:621px;bottom:260px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">as\u00a0incurred. </div>\n<div class=\"t sf_84\" id=\"t25_84\" style=\"left:621px;bottom:229px;letter-spacing:-0.03px;display:inline;\">Expenditure on development activities is capitalised if the product or process is </div>\n<div class=\"t sf_84\" id=\"t26_84\" style=\"left:621px;bottom:210px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">technically and commercially feasible and the Group intends, and has the technical </div>\n<div class=\"t sf_84\" id=\"t27_84\" style=\"left:621px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ability and sufficient resources to, complete development, future economic benefits </div>\n<div class=\"t sf_84\" id=\"t28_84\" style=\"left:621px;bottom:174px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">are probable and if the Group can measure reliably the expenditure attributable to </div>\n<div class=\"t sf_84\" id=\"t29_84\" style=\"left:621px;bottom:155px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">the intangible asset during its development. Development activities involve a plan </div>\n<div class=\"t sf_84\" id=\"t2a_84\" style=\"left:621px;bottom:137px;letter-spacing:-0.06px;word-spacing:0.02px;display:inline;\">or design for the production of new or substantially improved products or processes. </div><div></div><div class=\"t s1_85\" id=\"t1_85\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_85\" id=\"t2_85\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_85\" id=\"t3_85\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t4_85\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t5_85\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_85\" id=\"t6_85\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_85\" id=\"t7_85\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_85\" id=\"t8_85\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_85\" id=\"t9_85\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n<div class=\"t se_85\" id=\"ti_85\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;display:inline;\">The expenditure capitalised includes the cost of materials, external consultancy costs and </div>\n<div class=\"t se_85\" id=\"tj_85\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;display:inline;\">salary costs where a distinct product has been created. Other development expenditure </div>\n<div class=\"t se_85\" id=\"tk_85\" style=\"left:74px;bottom:667px;letter-spacing:-0.15px;display:inline;\">is recognised in the income statement as an expense as incurred. Capitalised development </div>\n<div class=\"t se_85\" id=\"tl_85\" style=\"left:74px;bottom:648px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">expenditure is stated at cost less accumulated amortisation and less accumulated </div>\n<div class=\"t se_85\" id=\"tm_85\" style=\"left:74px;bottom:630px;letter-spacing:-0.14px;word-spacing:0.01px;display:inline;\">impairment losses. </div>\n<div class=\"t sc_85\" id=\"tn_85\" style=\"left:74px;bottom:600px;word-spacing:-0.12px;display:inline;\">Disposal of assets </div>\n<div class=\"t se_85\" id=\"to_85\" style=\"left:74px;bottom:580px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The gain or loss arising on the disposal of an asset is determined as the difference </div>\n<div class=\"t se_85\" id=\"tp_85\" style=\"left:74px;bottom:561px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">between the disposal proceeds and the carrying amount of the asset and is recognised </div>\n<div class=\"t se_85\" id=\"tq_85\" style=\"left:74px;bottom:543px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">in the income statement. </div>\n<div class=\"t sc_85\" id=\"tr_85\" style=\"left:74px;bottom:513px;word-spacing:-0.12px;display:inline;\">Amortisation and depreciation </div>\n<div class=\"t se_85\" id=\"ts_85\" style=\"left:74px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Amortisation and depreciation are calculated to write down the cost or valuation less </div>\n<div class=\"t se_85\" id=\"tt_85\" style=\"left:74px;bottom:474px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">estimated residual value of all intangible assets, and tangible assets other than freehold </div>\n<div class=\"t se_85\" id=\"tu_85\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">land excluding investment properties by equal annual instalments over their estimated </div>\n<div class=\"t se_85\" id=\"tv_85\" style=\"left:74px;bottom:436px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">economic useful lives. </div>\n<div class=\"t se_85\" id=\"tw_85\" style=\"left:74px;bottom:405px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Residual value is reviewed annually and amended if material. The rates generally </div>\n<div class=\"t se_85\" id=\"tx_85\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">applicable are: </div>\n<div class=\"t sf_85\" id=\"ty_85\" style=\"left:78px;bottom:352px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Freehold properties </div><div class=\"t sg_85\" id=\"tz_85\" style=\"left:533px;bottom:352px;letter-spacing:0.25px;word-spacing:-0.14px;display:inline;\">50 years </div>\n<div class=\"t sf_85\" id=\"t10_85\" style=\"left:78px;bottom:329px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sg_85\" id=\"t11_85\" style=\"left:521px;bottom:329px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t12_85\" style=\"left:78px;bottom:307px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Computer equipment </div><div class=\"t sg_85\" id=\"t13_85\" style=\"left:521px;bottom:307px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t14_85\" style=\"left:78px;bottom:285px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Furniture, fixtures and fittings </div><div class=\"t sg_85\" id=\"t15_85\" style=\"left:515px;bottom:285px;letter-spacing:0.16px;word-spacing:-0.07px;display:inline;\">5 \u2013 10 years </div>\n<div class=\"t sf_85\" id=\"t16_85\" style=\"left:78px;bottom:263px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Computer software and development </div><div class=\"t sg_85\" id=\"t17_85\" style=\"left:521px;bottom:263px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t18_85\" style=\"left:78px;bottom:241px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Internally generated intangibles </div><div class=\"t sg_85\" id=\"t19_85\" style=\"left:521px;bottom:241px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1a_85\" style=\"left:78px;bottom:219px;letter-spacing:0.1px;display:inline;\">Intangible assets </div><div class=\"t sg_85\" id=\"t1b_85\" style=\"left:521px;bottom:219px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1c_85\" style=\"left:78px;bottom:196px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Right of Use Assets </div><div class=\"t sh_85\" id=\"t1d_85\" style=\"left:501px;bottom:196px;letter-spacing:0.16px;word-spacing:-0.05px;display:inline;\">Term of Lease </div>\n<div class=\"t sa_85\" id=\"t1e_85\" style=\"left:74px;bottom:159px;letter-spacing:0.06px;word-spacing:3.87px;display:inline;\">2.8 Leases </div>\n<div class=\"t se_85\" id=\"t1f_85\" style=\"left:74px;bottom:137px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Under IFRS 16, with the exception of short-term or low value leases, all operating </div>\n<div class=\"t se_85\" id=\"t1g_85\" style=\"left:74px;bottom:119px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">and finance leases are accounted for in the balance sheet. On inception of the lease, </div>\n<div class=\"t se_85\" id=\"t1h_85\" style=\"left:74px;bottom:100px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">the future payments, including any expected end of life costs, are discounted based on </div>\n<div class=\"t se_85\" id=\"t1i_85\" style=\"left:74px;bottom:82px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">the implicit interest rate in the specific lease. A \u201cRight of Use\u201d asset is created at an equal </div>\n<div class=\"t se_85\" id=\"t1j_85\" style=\"left:74px;bottom:64px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">value depreciated over the life of the lease which is determined by the contract with </div>\n<div class=\"t se_85\" id=\"t1k_85\" style=\"left:621px;bottom:768px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">any break clauses being reviewed as to the expected use at the time of inception and at </div>\n<div class=\"t se_85\" id=\"t1l_85\" style=\"left:621px;bottom:750px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">each following year end. Payments made to the lessor are debited to the balance sheet </div>\n<div class=\"t se_85\" id=\"t1m_85\" style=\"left:621px;bottom:731px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">and the income statement is charged with monthly depreciation and interest which is </div>\n<div class=\"t se_85\" id=\"t1n_85\" style=\"left:621px;bottom:713px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">included as finance costs in the accounts. </div>\n<div class=\"t se_85\" id=\"t1o_85\" style=\"left:621px;bottom:682px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Low value leases or short life leases of less than one year are expensed directly into the </div>\n<div class=\"t se_85\" id=\"t1p_85\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">income statement account on a straight line over the life of the lease. </div>\n<div class=\"t sa_85\" id=\"t1q_85\" style=\"left:621px;bottom:633px;letter-spacing:0.01px;word-spacing:0.89px;display:inline;\">2.9 Impairment of non-financial assets </div>\n<div class=\"t se_85\" id=\"t1r_85\" style=\"left:621px;bottom:611px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">For the purposes of assessing impairment, assets are grouped at the lowest\u00a0levels for </div>\n<div class=\"t se_85\" id=\"t1s_85\" style=\"left:621px;bottom:592px;letter-spacing:-0.17px;word-spacing:-0.04px;display:inline;\">which there are separately identifiable cash flows (cash-generating units). As a result, </div>\n<div class=\"t se_85\" id=\"t1t_85\" style=\"left:621px;bottom:574px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">some assets are tested individually for impairment and some are tested at cash- </div>\n<div class=\"t se_85\" id=\"t1u_85\" style=\"left:621px;bottom:556px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">generating unit level. Goodwill is allocated to those cash-generating units that are </div>\n<div class=\"t se_85\" id=\"t1v_85\" style=\"left:621px;bottom:537px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">expected to benefit from\u00a0synergies of the related business combination and represent </div>\n<div class=\"t se_85\" id=\"t1w_85\" style=\"left:621px;bottom:519px;letter-spacing:-0.29px;word-spacing:-0.07px;display:inline;\">the lowest level within the Group at which management monitors the related cash flows. </div>\n<div class=\"t se_85\" id=\"t1x_85\" style=\"left:621px;bottom:488px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">Goodwill, other individual assets or cash-generating units that include goodwill and those </div>\n<div class=\"t se_85\" id=\"t1y_85\" style=\"left:621px;bottom:469px;letter-spacing:-0.06px;word-spacing:-0.02px;display:inline;\">intangible assets not yet available for use are tested for impairment at least annually. </div>\n<div class=\"t se_85\" id=\"t1z_85\" style=\"left:621px;bottom:451px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">All other individual assets or cash-generating units are tested for impairment whenever </div>\n<div class=\"t se_85\" id=\"t20_85\" style=\"left:621px;bottom:433px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">events or changes in circumstances indicate that the carrying amount may not be </div>\n<div class=\"t se_85\" id=\"t21_85\" style=\"left:621px;bottom:414px;letter-spacing:-0.3px;word-spacing:-0.04px;display:inline;\">recoverable. See Note 14 for further details on the impairment testing of goodwill. </div>\n<div class=\"t sa_85\" id=\"t22_85\" style=\"left:621px;bottom:384px;letter-spacing:-0.09px;word-spacing:4.02px;display:inline;\">2.10 Taxation </div>\n<div class=\"t se_85\" id=\"t23_85\" style=\"left:621px;bottom:362px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">Current tax is the tax currently payable based on taxable profit for the year. </div>\n<div class=\"t se_85\" id=\"t24_85\" style=\"left:621px;bottom:331px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred income taxes are calculated using the liability method on temporary </div>\n<div class=\"t se_85\" id=\"t25_85\" style=\"left:621px;bottom:312px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">differences. Deferred tax is generally provided on the difference between the carrying </div>\n<div class=\"t se_85\" id=\"t26_85\" style=\"left:621px;bottom:294px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">amounts of assets and liabilities and their tax bases. </div>\n<div class=\"t se_85\" id=\"t27_85\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">However, deferred tax is not provided on the initial recognition of goodwill, nor on the </div>\n<div class=\"t se_85\" id=\"t28_85\" style=\"left:621px;bottom:244px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">initial recognition of an asset or liability unless the related transaction is a business </div>\n<div class=\"t se_85\" id=\"t29_85\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;display:inline;\">combination or affects tax or accounting profit. </div>\n<div class=\"t se_85\" id=\"t2a_85\" style=\"left:621px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax on temporary differences associated with shares in subsidiaries and joint </div>\n<div class=\"t se_85\" id=\"t2b_85\" style=\"left:621px;bottom:176px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">ventures is not provided if reversal of these temporary differences can be controlled </div>\n<div class=\"t se_85\" id=\"t2c_85\" style=\"left:621px;bottom:158px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">by the Group and it is probable that reversal will not occur in the foreseeable future. </div>\n<div class=\"t se_85\" id=\"t2d_85\" style=\"left:621px;bottom:140px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">In addition, tax losses available to be carried forward as well as other income tax credits </div>\n<div class=\"t se_85\" id=\"t2e_85\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">to the Group are assessed for recognition as deferred tax assets. </div><div></div><div class=\"t s1_86\" id=\"t1_86\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_86\" id=\"t2_86\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_86\" id=\"t3_86\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t4_86\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t5_86\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_86\" id=\"t6_86\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_86\" id=\"t7_86\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_86\" id=\"t8_86\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_86\" id=\"t9_86\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n<div class=\"t sc_86\" id=\"tg_86\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax liabilities are provided in full, with no discounting. Deferred tax assets are </div>\n<div class=\"t sc_86\" id=\"th_86\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">recognised to the extent that it is probable that the underlying deductible temporary </div>\n<div class=\"t sc_86\" id=\"ti_86\" style=\"left:74px;bottom:686px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">differences will be able to be offset against future taxable income. Current and deferred </div>\n<div class=\"t sc_86\" id=\"tj_86\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">tax assets and liabilities are calculated at tax rates that are expected to apply to their </div>\n<div class=\"t sc_86\" id=\"tk_86\" style=\"left:74px;bottom:649px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">respective period of realisation, provided they are enacted or substantively enacted at </div>\n<div class=\"t sc_86\" id=\"tl_86\" style=\"left:74px;bottom:631px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the balance sheet date. </div>\n<div class=\"t sa_86\" id=\"tm_86\" style=\"left:74px;bottom:601px;letter-spacing:-0.02px;word-spacing:1.94px;display:inline;\">2.11 Financial assets </div>\n<div class=\"t sc_86\" id=\"tn_86\" style=\"left:74px;bottom:578px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">Financial assets include; equity investments, bank deposits (as defined below); </div>\n<div class=\"t sc_86\" id=\"to_86\" style=\"left:74px;bottom:560px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">loans and other receivables. Financial assets are assigned to the different categories </div>\n<div class=\"t sc_86\" id=\"tp_86\" style=\"left:74px;bottom:542px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">by management on initial recognition, depending on the purpose for which they </div>\n<div class=\"t sc_86\" id=\"tq_86\" style=\"left:74px;bottom:522px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">were acquired. </div>\n<div class=\"t sc_86\" id=\"tr_86\" style=\"left:74px;bottom:490px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">A financial asset is measured at amortised cost if it is both: held within a business model </div>\n<div class=\"t sc_86\" id=\"ts_86\" style=\"left:74px;bottom:472px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">whose objective is to hold assets to collect contractual cash flows; and its contractual </div>\n<div class=\"t sc_86\" id=\"tt_86\" style=\"left:74px;bottom:454px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">terms give rise to cash flows that are solely payments of principal and interest on the </div>\n<div class=\"t sc_86\" id=\"tu_86\" style=\"left:74px;bottom:435px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">amount outstanding. For the purposes of this assessment, \u201cprincipal\u201d is defined as </div>\n<div class=\"t sc_86\" id=\"tv_86\" style=\"left:74px;bottom:417px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">the fair value of the financial asset on initial recognition, and \u201cinterest\u201d is defined as </div>\n<div class=\"t sc_86\" id=\"tw_86\" style=\"left:74px;bottom:399px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">consideration for the time value of money and for the credit risk associated with the </div>\n<div class=\"t sc_86\" id=\"tx_86\" style=\"left:74px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">principal amount outstanding. In assessing whether the contractual cash flows are </div>\n<div class=\"t sc_86\" id=\"ty_86\" style=\"left:74px;bottom:362px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">solely payments of principal and interest, the Group considers the contractual terms </div>\n<div class=\"t sc_86\" id=\"tz_86\" style=\"left:74px;bottom:344px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">of the instrument, including any terms which may affect the timing or amount of </div>\n<div class=\"t sc_86\" id=\"t10_86\" style=\"left:74px;bottom:325px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">contractual cash flows. </div>\n<div class=\"t sc_86\" id=\"t11_86\" style=\"left:74px;bottom:294px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Loans and receivables are non-derivative financial assets with fixed or determinable </div>\n<div class=\"t sc_86\" id=\"t12_86\" style=\"left:74px;bottom:276px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">payments that are not quoted in an active market. Loans and receivables are measured </div>\n<div class=\"t sc_86\" id=\"t13_86\" style=\"left:74px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsequent to initial recognition at amortised cost using the effective interest method, </div>\n<div class=\"t sc_86\" id=\"t14_86\" style=\"left:74px;bottom:239px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">less provision for impairment. Any change in their value through impairment or reversal </div>\n<div class=\"t sc_86\" id=\"t15_86\" style=\"left:74px;bottom:221px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">of impairment is recognised in the income statement. </div>\n<div class=\"t sc_86\" id=\"t16_86\" style=\"left:74px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Fixed interest rate bank deposits with a maturity date of three months or more from </div>\n<div class=\"t sc_86\" id=\"t17_86\" style=\"left:74px;bottom:171px;letter-spacing:-0.03px;display:inline;\">the date of acquisition are classified as financial assets. </div>\n<div class=\"t sc_86\" id=\"t18_86\" style=\"left:74px;bottom:140px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">Equity investments are financial assets categorised as at fair value through profit and </div>\n<div class=\"t sc_86\" id=\"t19_86\" style=\"left:74px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">loss and are initially recognised at fair value on the date acquired and are subsequently </div>\n<div class=\"t sc_86\" id=\"t1a_86\" style=\"left:74px;bottom:103px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">re-measured at their fair value. Changes in the fair value of equity investments are </div>\n<div class=\"t sc_86\" id=\"t1b_86\" style=\"left:74px;bottom:85px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">recognised in profit or loss. </div>\n<div class=\"t sc_86\" id=\"t1c_86\" style=\"left:621px;bottom:768px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">In assessing impairment requirements on financial assets, the Group considers the rate of </div>\n<div class=\"t sc_86\" id=\"t1d_86\" style=\"left:621px;bottom:749px;letter-spacing:-0.28px;word-spacing:-0.02px;display:inline;\">historic losses on similar assets in conjunction with expected future losses and credit losses </div>\n<div class=\"t sc_86\" id=\"t1e_86\" style=\"left:621px;bottom:731px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">as a result of potential defaults. This will, as mandated by IFRS 9, continue to be reassessed </div>\n<div class=\"t sc_86\" id=\"t1f_86\" style=\"left:621px;bottom:713px;letter-spacing:-0.16px;word-spacing:-0.06px;display:inline;\">as and when further information becomes available or when conditions\u00a0change. </div>\n<div class=\"t sc_86\" id=\"t1g_86\" style=\"left:621px;bottom:681px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">A financial asset is de-recognised only where the contractual rights to the cash flows </div>\n<div class=\"t sc_86\" id=\"t1h_86\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">from the asset expire or the financial asset is transferred, and that transfer qualifies for </div>\n<div class=\"t sc_86\" id=\"t1i_86\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">de-recognition. A financial asset is transferred if the contractual rights to receive the </div>\n<div class=\"t sc_86\" id=\"t1j_86\" style=\"left:621px;bottom:626px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">cash flows of the asset have been transferred or the Group retains the contractual rights </div>\n<div class=\"t sc_86\" id=\"t1k_86\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">to receive the cash flows of the asset but assumes a contractual obligation to pay the </div>\n<div class=\"t sc_86\" id=\"t1l_86\" style=\"left:621px;bottom:590px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">cash flows to one or more recipients. A financial asset that is transferred qualifies for </div>\n<div class=\"t sc_86\" id=\"t1m_86\" style=\"left:621px;bottom:571px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">de-recognition if the Group transfers substantially all the risks and rewards of ownership </div>\n<div class=\"t sc_86\" id=\"t1n_86\" style=\"left:621px;bottom:553px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of the asset, or if the Group neither retains nor transfers substantially all the risks and </div>\n<div class=\"t sc_86\" id=\"t1o_86\" style=\"left:621px;bottom:535px;letter-spacing:-0.06px;display:inline;\">rewards of ownership but does transfer control of that asset. </div> \n<div class=\"t sd_86\" id=\"t1p_86\" style=\"left:621px;bottom:505px;word-spacing:-0.11px;display:inline;\">Impairment of financial assets </div>\n<div class=\"t sc_86\" id=\"t1q_86\" style=\"left:621px;bottom:485px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">The Group assesses on a forward-looking basis, the expected credit losses (ECL) </div>\n<div class=\"t sc_86\" id=\"t1r_86\" style=\"left:621px;bottom:466px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">associated with its debt instrument assets carried at amortised costs. The Group </div>\n<div class=\"t sc_86\" id=\"t1s_86\" style=\"left:621px;bottom:448px;letter-spacing:-0.18px;word-spacing:-0.02px;display:inline;\">calculates the lifetime ECL as a practical expedient for short-term receivables. A loss </div>\n<div class=\"t sc_86\" id=\"t1t_86\" style=\"left:621px;bottom:430px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">allowance is recognised for such losses at each reporting date. The Group measures </div>\n<div class=\"t sc_86\" id=\"t1u_86\" style=\"left:621px;bottom:411px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">ECL on each balance sheet date according to a three stage ECL impairment model: </div>\n<div class=\"t sc_86\" id=\"t1v_86\" style=\"left:621px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Stage 1 \u2013 from initial recognition of the financial asset to the date on which the asset </div>\n<div class=\"t sc_86\" id=\"t1w_86\" style=\"left:621px;bottom:362px;letter-spacing:-0.16px;display:inline;\">has experienced a significant increase in credit risk (SICR) relative to its initial recognition, </div>\n<div class=\"t sc_86\" id=\"t1x_86\" style=\"left:621px;bottom:343px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">a loss allowance is equal to the credit loss expected\u00a0to result from default occurring </div>\n<div class=\"t sc_86\" id=\"t1y_86\" style=\"left:621px;bottom:325px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">over 12 months following the reporting date. </div>\n<div class=\"t sc_86\" id=\"t1z_86\" style=\"left:621px;bottom:294px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Stage 2 \u2013 following a significant increase in credit risk relative to the initial recognition of </div>\n<div class=\"t sc_86\" id=\"t20_86\" style=\"left:621px;bottom:275px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">the financial asset, a loss allowance is recognised equal to the credit losses expected over </div>\n<div class=\"t sc_86\" id=\"t21_86\" style=\"left:621px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the remaining lifetime of the asset. Where an SICR is no longer observed, the instrument </div>\n<div class=\"t sc_86\" id=\"t22_86\" style=\"left:621px;bottom:239px;letter-spacing:-0.05px;display:inline;\">will move back to Stage 1. </div>\n<div class=\"t sc_86\" id=\"t23_86\" style=\"left:621px;bottom:207px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">Stage 3 \u2013 when the financial asset is considered to be credit impaired, a loss allowance </div>\n<div class=\"t sc_86\" id=\"t24_86\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">is recognised equal to the credit losses expected over the remaining life of the asset. </div>\n<div class=\"t sc_86\" id=\"t25_86\" style=\"left:621px;bottom:171px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Interest and revenue is calculated based on the gross carrying amount of the asset, </div>\n<div class=\"t sc_86\" id=\"t26_86\" style=\"left:621px;bottom:152px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">net of the loss allowance. </div><div></div><div class=\"t s1_87\" id=\"t1_87\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_87\" id=\"t2_87\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_87\" id=\"t3_87\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t4_87\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t5_87\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_87\" id=\"t6_87\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_87\" id=\"t7_87\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_87\" id=\"t8_87\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_87\" id=\"t9_87\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n<div class=\"t se_87\" id=\"ti_87\" style=\"left:74px;bottom:703px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The measurement of the ECL reflects an unbiased and probability-weighted amount </div>\n<div class=\"t se_87\" id=\"tj_87\" style=\"left:74px;bottom:685px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">that is determined by evaluating a range of possible outcomes, the time value of money </div>\n<div class=\"t se_87\" id=\"tk_87\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">and reasonable and supportable information that is available without undue cost and </div>\n<div class=\"t se_87\" id=\"tl_87\" style=\"left:74px;bottom:648px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">effort at the reporting date about past events, current conditions and forecasts of </div>\n<div class=\"t se_87\" id=\"tm_87\" style=\"left:74px;bottom:630px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">future economic conditions. </div>\n<div class=\"t se_87\" id=\"tn_87\" style=\"left:74px;bottom:599px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Insurance receivables, which are outside the scope of IFRS 9, are subject to a lapse </div>\n<div class=\"t se_87\" id=\"to_87\" style=\"left:74px;bottom:580px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">provision calculated based on historic loss data. </div>\n<div class=\"t sa_87\" id=\"tp_87\" style=\"left:74px;bottom:550px;letter-spacing:-0.02px;word-spacing:1.94px;display:inline;\">2.12 Financial liabilities </div>\n<div class=\"t se_87\" id=\"tq_87\" style=\"left:74px;bottom:528px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Financial liabilities are classified as measured at amortised cost or fair value through </div>\n<div class=\"t se_87\" id=\"tr_87\" style=\"left:74px;bottom:510px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">profit and loss (FVTPL). A financial liability is classified as at FVTPL if it is classified as </div>\n<div class=\"t se_87\" id=\"ts_87\" style=\"left:74px;bottom:491px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">held-for-trading or it is designated as such on initial recognition. </div>\n<div class=\"t se_87\" id=\"tt_87\" style=\"left:74px;bottom:460px;letter-spacing:-0.03px;display:inline;\">Financial liabilities are subsequently measured at amortised cost using the effective </div>\n<div class=\"t se_87\" id=\"tu_87\" style=\"left:74px;bottom:442px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">interest method, with interest related charges recognised as an expense in finance cost </div>\n<div class=\"t se_87\" id=\"tv_87\" style=\"left:74px;bottom:423px;letter-spacing:-0.15px;display:inline;\">in the income statement. Finance charges, including premiums payable on settlement or </div>\n<div class=\"t se_87\" id=\"tw_87\" style=\"left:74px;bottom:405px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">redemption and direct issue costs, are charged to the income statement on an accruals </div>\n<div class=\"t se_87\" id=\"tx_87\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">basis using the effective interest method and are added to the carrying amount of the </div>\n<div class=\"t se_87\" id=\"ty_87\" style=\"left:74px;bottom:368px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">instrument to the extent that they are not settled in the period in which they arise. </div>\n<div class=\"t se_87\" id=\"tz_87\" style=\"left:74px;bottom:337px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">There are no financial liabilities categorised as at fair value through profit or\u00a0loss. </div>\n<div class=\"t se_87\" id=\"t10_87\" style=\"left:74px;bottom:306px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">A financial liability is de-recognised only when the obligation is extinguished, that is, </div>\n<div class=\"t se_87\" id=\"t11_87\" style=\"left:74px;bottom:287px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">when the obligation is discharged or cancelled or\u00a0expires. </div>\n<div class=\"t sa_87\" id=\"t12_87\" style=\"left:74px;bottom:257px;letter-spacing:-0.02px;word-spacing:0.91px;display:inline;\">2.13 Cash and cash equivalents </div>\n<div class=\"t se_87\" id=\"t13_87\" style=\"left:74px;bottom:235px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">Cash and cash equivalents comprise cash on hand and demand deposits, together with </div>\n<div class=\"t se_87\" id=\"t14_87\" style=\"left:74px;bottom:216px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">other short-term, highly liquid investments that are readily convertible into known </div>\n<div class=\"t se_87\" id=\"t15_87\" style=\"left:74px;bottom:198px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">amounts of cash and which are subject to an insignificant risk of changes in value. </div>\n<div class=\"t se_87\" id=\"t16_87\" style=\"left:74px;bottom:167px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">As stated in Note 2.11 fixed interest rate bank deposits with the maturity date of three </div>\n<div class=\"t se_87\" id=\"t17_87\" style=\"left:74px;bottom:148px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">months or more from the date of acquisition are classified as financial assets. </div>\n<div class=\"t sa_87\" id=\"t18_87\" style=\"left:621px;bottom:767px;letter-spacing:-0.01px;word-spacing:0.9px;display:inline;\">2.14 Investments in subsidiary undertakings </div>\n<div class=\"t se_87\" id=\"t19_87\" style=\"left:621px;bottom:745px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Company investments in subsidiary undertakings and joint ventures held in the Company </div>\n<div class=\"t se_87\" id=\"t1a_87\" style=\"left:621px;bottom:726px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">Balance Sheet are shown at cost less impairment provisions. </div>\n<div class=\"t se_87\" id=\"t1b_87\" style=\"left:621px;bottom:695px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Impairment testing is completed on an annual basis or as and when an indicator for </div>\n<div class=\"t se_87\" id=\"t1c_87\" style=\"left:621px;bottom:677px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">impairment under IAS 36 arises. </div>\n<div class=\"t sa_87\" id=\"t1d_87\" style=\"left:621px;bottom:646px;letter-spacing:-0.06px;word-spacing:3.99px;display:inline;\">2.15 Equity </div>\n<div class=\"t se_87\" id=\"t1e_87\" style=\"left:621px;bottom:624px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">Equity comprises the following: </div>\n<div class=\"t sf_87\" id=\"t1f_87\" style=\"left:621px;bottom:593px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1g_87\" style=\"left:634px;bottom:593px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">\u201cShare capital\u201d represents the nominal value of equity shares. </div>\n<div class=\"t sf_87\" id=\"t1h_87\" style=\"left:621px;bottom:570px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1i_87\" style=\"left:634px;bottom:570px;letter-spacing:-0.04px;display:inline;\">\u201cShare premium account\u201d represents the amount paid on issue for equity shares in </div>\n<div class=\"t se_87\" id=\"t1j_87\" style=\"left:634px;bottom:552px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">excess of their nominal value. </div>\n<div class=\"t sf_87\" id=\"t1k_87\" style=\"left:621px;bottom:529px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1l_87\" style=\"left:634px;bottom:529px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">\u201cCapital redemption reserve\u201d represents the nominal value of its own equity shares </div>\n<div class=\"t se_87\" id=\"t1m_87\" style=\"left:634px;bottom:511px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">purchased, and then cancelled, by the Company. </div>\n<div class=\"t sf_87\" id=\"t1n_87\" style=\"left:621px;bottom:488px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1o_87\" style=\"left:634px;bottom:488px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">\u201cShare based payments reserve\u201d represents the equity value of the accumulated share </div>\n<div class=\"t se_87\" id=\"t1p_87\" style=\"left:634px;bottom:470px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">based payments expenses in LTIP 2021. </div>\n<div class=\"t sf_87\" id=\"t1q_87\" style=\"left:621px;bottom:447px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1r_87\" style=\"left:634px;bottom:447px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">\u201cOther reserve\u201d represents the investment in own Company shares by the Employee </div>\n<div class=\"t se_87\" id=\"t1s_87\" style=\"left:634px;bottom:429px;letter-spacing:-0.06px;word-spacing:-0.27px;display:inline;\">Benefit Trust. </div>\n<div class=\"t sf_87\" id=\"t1t_87\" style=\"left:621px;bottom:406px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1u_87\" style=\"left:634px;bottom:406px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">\u201cProfit and loss reserve\u201d represents retained profits. </div>\n<div class=\"t sa_87\" id=\"t1v_87\" style=\"left:621px;bottom:376px;letter-spacing:-0.04px;word-spacing:1.94px;display:inline;\">2.16 Employee benefits </div>\n<div class=\"t se_87\" id=\"t1w_87\" style=\"left:621px;bottom:354px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">Defined contribution group and self-invested personal pension schemes. </div>\n<div class=\"t se_87\" id=\"t1x_87\" style=\"left:621px;bottom:322px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">The pension costs charged against profits are the contributions payable to the schemes </div>\n<div class=\"t se_87\" id=\"t1y_87\" style=\"left:621px;bottom:304px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">in respect of the accounting period. </div>\n<div class=\"t sa_87\" id=\"t1z_87\" style=\"left:621px;bottom:274px;letter-spacing:-0.03px;word-spacing:1.93px;display:inline;\">2.17 Share-based payment </div>\n<div class=\"t sc_87\" id=\"t20_87\" style=\"left:621px;bottom:253px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Equity-settled share-based payment </div>\n<div class=\"t se_87\" id=\"t21_87\" style=\"left:621px;bottom:233px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">All goods and services received in exchange for the grant of any share-based payment </div>\n<div class=\"t se_87\" id=\"t22_87\" style=\"left:621px;bottom:214px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">are measured at their fair values. Where employees are rewarded using share-based </div>\n<div class=\"t se_87\" id=\"t23_87\" style=\"left:621px;bottom:196px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">payments, the fair values of employees\u2019 services are determined indirectly by reference </div>\n<div class=\"t se_87\" id=\"t24_87\" style=\"left:621px;bottom:178px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">to the fair value of the instrument as at the date it is granted to the employee. </div>\n<div class=\"t se_87\" id=\"t25_87\" style=\"left:621px;bottom:146px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">All equity-settled share-based payments are ultimately recognised as an expense in the </div>\n<div class=\"t se_87\" id=\"t26_87\" style=\"left:621px;bottom:128px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">income statement with a corresponding credit to \u201cprofit and loss reserve\u201d. </div><div></div><div class=\"t s1_88\" id=\"t1_88\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_88\" id=\"t2_88\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_88\" id=\"t3_88\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_88\" id=\"t4_88\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_88\" id=\"t5_88\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_88\" id=\"t6_88\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_88\" id=\"t7_88\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_88\" id=\"t8_88\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_88\" id=\"t9_88\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"></div>\n<div class=\"t se_88\" id=\"ti_88\" style=\"left:74px;bottom:703px;letter-spacing:-0.17px;word-spacing:-0.04px;display:inline;\">If vesting periods or other non-market vesting conditions apply, the expense is allocated </div>\n<div class=\"t se_88\" id=\"tj_88\" style=\"left:74px;bottom:685px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">over the vesting period, based on the best available estimate of the number of share </div>\n<div class=\"t se_88\" id=\"tk_88\" style=\"left:74px;bottom:667px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">options expected to vest. Estimates are subsequently revised if there is any indication </div>\n<div class=\"t se_88\" id=\"tl_88\" style=\"left:74px;bottom:648px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the number of share options expected to vest differs from previous estimates. </div>\n<div class=\"t se_88\" id=\"tm_88\" style=\"left:74px;bottom:630px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">Any cumulative adjustment prior to vesting is recognised in the current period. </div>\n<div class=\"t se_88\" id=\"tn_88\" style=\"left:74px;bottom:612px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">No adjustment is made to any expense recognised in prior periods if share options </div>\n<div class=\"t se_88\" id=\"to_88\" style=\"left:74px;bottom:593px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">ultimately exercised are different to that estimated on vesting. </div>\n<div class=\"t se_88\" id=\"tp_88\" style=\"left:74px;bottom:562px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Upon exercise of share options, the proceeds received net of attributable transaction </div>\n<div class=\"t se_88\" id=\"tq_88\" style=\"left:74px;bottom:544px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">costs are credited to share capital, and where appropriate share premium. </div>\n<div class=\"t sa_88\" id=\"tr_88\" style=\"left:74px;bottom:514px;letter-spacing:-0.03px;word-spacing:1.26px;display:inline;\">2.18 Employee benefit trust </div>\n<div class=\"t se_88\" id=\"ts_88\" style=\"left:74px;bottom:491px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">The assets and liabilities of the Employee Benefit Trust (EBT) have been included in the </div>\n<div class=\"t se_88\" id=\"tt_88\" style=\"left:74px;bottom:473px;letter-spacing:-0.18px;word-spacing:-0.03px;display:inline;\">Group accounts. Any assets held by the EBT cease to be recognised on the Group balance </div>\n<div class=\"t se_88\" id=\"tu_88\" style=\"left:74px;bottom:455px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">sheet when the assets vest unconditionally in identified beneficiaries. </div>\n<div class=\"t se_88\" id=\"tv_88\" style=\"left:74px;bottom:423px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">The costs of purchasing own shares held by the EBT are shown as a deduction against </div>\n<div class=\"t se_88\" id=\"tw_88\" style=\"left:74px;bottom:405px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">equity. The proceeds from the sale of own shares held increase equity. Neither the </div>\n<div class=\"t se_88\" id=\"tx_88\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;display:inline;\">purchase nor sale of own shares leads to a gain or loss being recognised in the Group </div>\n<div class=\"t se_88\" id=\"ty_88\" style=\"left:74px;bottom:367px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">income statement. </div>\n<div class=\"t se_88\" id=\"tz_88\" style=\"left:74px;bottom:335px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">At present the Company operates a plan whereby all employees are entitled to make </div>\n<div class=\"t se_88\" id=\"t10_88\" style=\"left:74px;bottom:317px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">monthly payments to the trust via payroll deductions. The current allocation period is </div>\n<div class=\"t se_88\" id=\"t11_88\" style=\"left:74px;bottom:299px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">six\u00a0months and shares are allocated to employees at the end of each allocation period. </div>\n<div class=\"t se_88\" id=\"t12_88\" style=\"left:74px;bottom:280px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">The shares are allocated at the lower of the mid-market price at the beginning and </div>\n<div class=\"t se_88\" id=\"t13_88\" style=\"left:74px;bottom:262px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">end of the allocation period. The trust Company has not waived its right to dividends </div>\n<div class=\"t se_88\" id=\"t14_88\" style=\"left:74px;bottom:244px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">on unallocated shares. Any profit or loss on allocation of shares to individuals is taken </div>\n<div class=\"t se_88\" id=\"t15_88\" style=\"left:74px;bottom:225px;letter-spacing:-0.07px;word-spacing:-0.07px;display:inline;\">directly to the \u201cother reserve\u201d within equity. </div>\n<div class=\"t sa_88\" id=\"t16_88\" style=\"left:74px;bottom:195px;letter-spacing:-0.02px;word-spacing:0.48px;display:inline;\">2.19 Shares held in an employee benefit trust </div>\n<div class=\"t se_88\" id=\"t17_88\" style=\"left:74px;bottom:173px;letter-spacing:-0.06px;word-spacing:-0.02px;display:inline;\">Transactions of the Company sponsored EBT are treated as being those of the Company </div>\n<div class=\"t se_88\" id=\"t18_88\" style=\"left:74px;bottom:155px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">and are therefore, reflected in these financial statements. </div>\n<div class=\"t sa_88\" id=\"t19_88\" style=\"left:621px;bottom:767px;word-spacing:3.93px;display:inline;\">2.20 Inventories </div>\n<div class=\"t se_88\" id=\"t1a_88\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Inventories are valued at the lower of cost and net realisable value after making due </div>\n<div class=\"t se_88\" id=\"t1b_88\" style=\"left:621px;bottom:726px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">allowance for obsolete and slow-moving items. Cost includes all direct costs and an </div>\n<div class=\"t se_88\" id=\"t1c_88\" style=\"left:621px;bottom:708px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">appropriate proportion of fixed and variable overheads. </div>\n<div class=\"t sa_88\" id=\"t1d_88\" style=\"left:621px;bottom:678px;letter-spacing:0.03px;word-spacing:3.9px;display:inline;\">2.21 Provisions </div>\n<div class=\"t se_88\" id=\"t1e_88\" style=\"left:621px;bottom:655px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">A provision is recognised in the balance sheet when the Group has a present legal, </div>\n<div class=\"t se_88\" id=\"t1f_88\" style=\"left:621px;bottom:637px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">or constructive, obligation as a result of a past event, that can be reliably measured, </div>\n<div class=\"t se_88\" id=\"t1g_88\" style=\"left:621px;bottom:619px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">and it is probable that an outflow of economic benefits will be required to settle the </div>\n<div class=\"t se_88\" id=\"t1h_88\" style=\"left:621px;bottom:600px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">obligation. Provisions are determined by discounting the expected future cash flows </div>\n<div class=\"t se_88\" id=\"t1i_88\" style=\"left:621px;bottom:582px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">at a pre-tax rate that reflects risks specific to the liability. </div>\n<div class=\"t sa_88\" id=\"t1j_88\" style=\"left:621px;bottom:552px;word-spacing:1.24px;display:inline;\">2.22 Agent vs Principal </div>\n<div class=\"t se_88\" id=\"t1k_88\" style=\"left:621px;bottom:530px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">The sale of discounted vouchers, be it physical or electronic, represents the majority of </div>\n<div class=\"t se_88\" id=\"t1l_88\" style=\"left:621px;bottom:511px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">SaaS revenue for the Group. The Group has a mixture of relationships with retailers and </div>\n<div class=\"t se_88\" id=\"t1m_88\" style=\"left:621px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">third-party suppliers, depending on the offering. Some offerings require purchasing </div>\n<div class=\"t se_88\" id=\"t1n_88\" style=\"left:621px;bottom:475px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">inventory in advance while others require the maintaining of cash floats with suppliers </div>\n<div class=\"t se_88\" id=\"t1o_88\" style=\"left:621px;bottom:456px;letter-spacing:-0.05px;display:inline;\">and others require the settlement of supplier invoices as they are received. </div>\n<div class=\"t se_88\" id=\"t1p_88\" style=\"left:621px;bottom:425px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">Depending on the contractual relationship and the nature of the transactions with the </div>\n<div class=\"t se_88\" id=\"t1q_88\" style=\"left:621px;bottom:407px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">relevant suppliers, the Group has made a judgement on whether the offerings constitute </div>\n<div class=\"t se_88\" id=\"t1r_88\" style=\"left:621px;bottom:388px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">agency or principal transactions. This judgement is significant in nature as it has a </div>\n<div class=\"t se_88\" id=\"t1s_88\" style=\"left:621px;bottom:370px;letter-spacing:-0.04px;display:inline;\">material impact on the revenue and cost of sales of the Group. </div>\n<div class=\"t se_88\" id=\"t1t_88\" style=\"left:621px;bottom:339px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">In the majority of circumstances, the Group, either physically or via its IT systems, takes </div>\n<div class=\"t se_88\" id=\"t1u_88\" style=\"left:621px;bottom:320px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">possession and ownership of the vouchers, has control over their use and resale price </div>\n<div class=\"t se_88\" id=\"t1v_88\" style=\"left:621px;bottom:302px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">and, as a result, these transactions are deemed to be principal in nature. In such cases, </div>\n<div class=\"t se_88\" id=\"t1w_88\" style=\"left:621px;bottom:284px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">the sale of vouchers, and their relevant cost of sales, are presented gross in the income </div>\n<div class=\"t se_88\" id=\"t1x_88\" style=\"left:621px;bottom:265px;letter-spacing:-0.08px;word-spacing:-0.16px;display:inline;\">statement for the year. </div>\n<div class=\"t se_88\" id=\"t1y_88\" style=\"left:621px;bottom:234px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Where a contractual relationship exists with the supplier that classifies the relationship </div>\n<div class=\"t se_88\" id=\"t1z_88\" style=\"left:621px;bottom:216px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">as that of an agency, this is deemed to supersede the factors discussed above. As a </div>\n<div class=\"t se_88\" id=\"t20_88\" style=\"left:621px;bottom:197px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">result, the voucher sale and their relevant cost of sales have been presented net as </div>\n<div class=\"t se_88\" id=\"t21_88\" style=\"left:621px;bottom:179px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">agency income in the income statement for the period. </div><div></div><div class=\"t s1_89\" id=\"t1_89\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_89\" id=\"t2_89\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"></div>\n<div class=\"t s3_89\" id=\"t3_89\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_89\" id=\"t4_89\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_89\" id=\"t5_89\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_89\" id=\"t6_89\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_89\" id=\"t7_89\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_89\" id=\"t8_89\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_89\" id=\"t9_89\" style=\"left:1106px;bottom:878px;letter-spacing:-0.26px;display:inline;\"></div>\n<div class=\"t s8_89\" id=\"tc_89\" style=\"left:74px;bottom:765px;letter-spacing:0.21px;word-spacing:0.83px;display:inline;\">3 Risk management objectives and policies </div>\n<div class=\"t s9_89\" id=\"td_89\" style=\"left:74px;bottom:743px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The Board recognises that the effective management of risks and opportunities is </div>\n<div class=\"t s9_89\" id=\"te_89\" style=\"left:74px;bottom:725px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">fundamental to achieving the Group\u2019s strategic objectives. As a result, it is important </div>\n<div class=\"t s9_89\" id=\"tf_89\" style=\"left:74px;bottom:707px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">there is a strong risk management culture throughout the Group, and that we identify, </div>\n<div class=\"t s9_89\" id=\"tg_89\" style=\"left:74px;bottom:688px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">assess and appropriately mitigate the key risks to the Group achieving this strategy. </div>\n<div class=\"t s9_89\" id=\"th_89\" style=\"left:74px;bottom:657px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">To achieve its objectives as well as sustainable profitability, the Group may pursue the </div>\n<div class=\"t s9_89\" id=\"ti_89\" style=\"left:74px;bottom:639px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">opportunities that gave rise to risk. Therefore, we have adopted an Enterprise Risk </div>\n<div class=\"t s9_89\" id=\"tj_89\" style=\"left:74px;bottom:620px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">Management Framework as part of our decision making and business management </div>\n<div class=\"t s9_89\" id=\"tk_89\" style=\"left:74px;bottom:602px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">process. As a result of this rigorous approach, the Group can maintain financial security, </div>\n<div class=\"t s9_89\" id=\"tl_89\" style=\"left:74px;bottom:584px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">produce good outcomes and the fair treatment of customers, and meet the needs of </div>\n<div class=\"t s9_89\" id=\"tm_89\" style=\"left:74px;bottom:565px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">other parties such as shareholders, employees, suppliers and regulators. </div>\n<div class=\"t s9_89\" id=\"tn_89\" style=\"left:74px;bottom:534px;letter-spacing:-0.07px;word-spacing:0.04px;display:inline;\">We review the risk management strategy regularly, particularly after any significant </div>\n<div class=\"t s9_89\" id=\"to_89\" style=\"left:74px;bottom:516px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">change to the change environment and, each year, after the approval of the Group\u2019s </div>\n<div class=\"t s9_89\" id=\"tp_89\" style=\"left:74px;bottom:497px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">strategy and business plans. The most significant financial risks to which the Group </div>\n<div class=\"t s9_89\" id=\"tq_89\" style=\"left:74px;bottom:479px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">and Company are exposed under normal circumstances are described in this section. </div>\n<div class=\"t sa_89\" id=\"tr_89\" style=\"left:74px;bottom:449px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Credit risk </div>\n<div class=\"t s9_89\" id=\"ts_89\" style=\"left:74px;bottom:427px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">The Group\u2019s and Company\u2019s exposure to credit risk includes the carrying value of certain </div>\n<div class=\"t s9_89\" id=\"tt_89\" style=\"left:74px;bottom:408px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">financial assets at the balance sheet date, summarised as follows: </div>\n<div class=\"t sb_89\" id=\"tu_89\" style=\"left:309px;bottom:373px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_89\" id=\"tv_89\" style=\"left:473px;bottom:373px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_89\" id=\"tw_89\" style=\"left:289px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_89\" id=\"tx_89\" style=\"left:284px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"ty_89\" style=\"left:377px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_89\" id=\"tz_89\" style=\"left:371px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"t10_89\" style=\"left:462px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_89\" id=\"t11_89\" style=\"left:457px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"t12_89\" style=\"left:550px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_89\" id=\"t13_89\" style=\"left:544px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_89\" id=\"t14_89\" style=\"left:78px;bottom:312px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Insurance receivables </div><div class=\"t sd_89\" id=\"t15_89\" style=\"left:289px;bottom:312px;letter-spacing:0.31px;display:inline;\">2,391 </div><div class=\"t se_89\" id=\"t16_89\" style=\"left:376px;bottom:312px;letter-spacing:0.22px;display:inline;\">1,665 </div><div class=\"t s4_89\" id=\"t17_89\" style=\"left:485px;bottom:312px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t18_89\" style=\"left:572px;bottom:312px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t19_89\" style=\"left:78px;bottom:290px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Reinsurance assets </div><div class=\"t s4_89\" id=\"t1a_89\" style=\"left:305px;bottom:290px;letter-spacing:0.23px;display:inline;\">95 </div><div class=\"t sf_89\" id=\"t1b_89\" style=\"left:386px;bottom:290px;letter-spacing:0.3px;display:inline;\">108 </div><div class=\"t s4_89\" id=\"t1c_89\" style=\"left:485px;bottom:290px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1d_89\" style=\"left:572px;bottom:290px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1e_89\" style=\"left:78px;bottom:268px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade debtors </div><div class=\"t sd_89\" id=\"t1f_89\" style=\"left:282px;bottom:268px;letter-spacing:0.39px;display:inline;\">11,349 </div><div class=\"t sf_89\" id=\"t1g_89\" style=\"left:370px;bottom:268px;letter-spacing:0.19px;display:inline;\">10,592 </div><div class=\"t s4_89\" id=\"t1h_89\" style=\"left:485px;bottom:268px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1i_89\" style=\"left:572px;bottom:268px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1j_89\" style=\"left:78px;bottom:246px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Accrued interest </div><div class=\"t sd_89\" id=\"t1k_89\" style=\"left:305px;bottom:246px;letter-spacing:0.55px;display:inline;\">14 </div><div class=\"t sf_89\" id=\"t1l_89\" style=\"left:392px;bottom:246px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t s4_89\" id=\"t1m_89\" style=\"left:485px;bottom:246px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1n_89\" style=\"left:572px;bottom:246px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1o_89\" style=\"left:78px;bottom:223px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Cash and cash equivalents </div><div class=\"t sd_89\" id=\"t1p_89\" style=\"left:283px;bottom:223px;letter-spacing:0.27px;display:inline;\">16,958 </div><div class=\"t sf_89\" id=\"t1q_89\" style=\"left:370px;bottom:223px;letter-spacing:0.2px;display:inline;\">20,291 </div><div class=\"t sd_89\" id=\"t1r_89\" style=\"left:472px;bottom:223px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t se_89\" id=\"t1s_89\" style=\"left:559px;bottom:223px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t sc_89\" id=\"t1t_89\" style=\"left:78px;bottom:201px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Equity investments </div><div class=\"t sd_89\" id=\"t1u_89\" style=\"left:288px;bottom:201px;letter-spacing:0.42px;display:inline;\">1,290 </div><div class=\"t se_89\" id=\"t1v_89\" style=\"left:398px;bottom:201px;display:inline;\">\u2013 </div><div class=\"t s4_89\" id=\"t1w_89\" style=\"left:485px;bottom:201px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1x_89\" style=\"left:572px;bottom:201px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1y_89\" style=\"left:78px;bottom:179px;letter-spacing:0.1px;display:inline;\">Bank deposits </div><div class=\"t sd_89\" id=\"t1z_89\" style=\"left:289px;bottom:179px;letter-spacing:0.16px;display:inline;\">1,741 </div><div class=\"t sf_89\" id=\"t20_89\" style=\"left:376px;bottom:179px;letter-spacing:0.29px;display:inline;\">2,596 </div><div class=\"t s4_89\" id=\"t21_89\" style=\"left:485px;bottom:179px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t22_89\" style=\"left:572px;bottom:179px;display:inline;\">\u2013 </div>\n<div class=\"t s4_89\" id=\"t23_89\" style=\"left:78px;bottom:157px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Total credit risk </div><div class=\"t sd_89\" id=\"t24_89\" style=\"left:283px;bottom:157px;letter-spacing:0.25px;display:inline;\">33,838 </div><div class=\"t sf_89\" id=\"t25_89\" style=\"left:370px;bottom:157px;letter-spacing:0.17px;display:inline;\">35,262 </div><div class=\"t sd_89\" id=\"t26_89\" style=\"left:472px;bottom:157px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t se_89\" id=\"t27_89\" style=\"left:559px;bottom:157px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t s9_89\" id=\"t28_89\" style=\"left:621px;bottom:768px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">A large proportion of the Group\u2019s revenue is generated from the sale of insurance </div>\n<div class=\"t s9_89\" id=\"t29_89\" style=\"left:621px;bottom:750px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">policies to individual customers, with most of the premiums collected, and paid over </div>\n<div class=\"t s9_89\" id=\"t2a_89\" style=\"left:621px;bottom:731px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">to the Group, by the individuals\u2019 employer via payroll deduction. The vast majority of </div>\n<div class=\"t s9_89\" id=\"t2b_89\" style=\"left:621px;bottom:713px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">employers pay over payroll deductions made, within one month, on a regular basis, </div>\n<div class=\"t s9_89\" id=\"t2c_89\" style=\"left:621px;bottom:694px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">thereby minimising the credit risk exposure to the Group. </div>\n<div class=\"t s9_89\" id=\"t2d_89\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Due to the seasonal nature of the PG Let\u2019s Connect business, the year-end receivables </div>\n<div class=\"t s9_89\" id=\"t2e_89\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">balance is heavily weighted towards salary sacrifice goods. These receivables are due </div>\n<div class=\"t s9_89\" id=\"t2f_89\" style=\"left:621px;bottom:627px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">from the employers of the individuals who place the order. The vast majority of these </div>\n<div class=\"t s9_89\" id=\"t2g_89\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">employers pay the receivable balance within two months of receiving the consolidated </div>\n<div class=\"t sg_89\" id=\"t2h_89\" style=\"left:621px;bottom:590px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">invoice for their scheme. Included within trade debtors are \u00a38.2m (2021: \u00a38.4m) relating </div>\n<div class=\"t s9_89\" id=\"t2i_89\" style=\"left:621px;bottom:571px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">to PG Let\u2019s Connect sales. </div>\n<div class=\"t s9_89\" id=\"t2j_89\" style=\"left:621px;bottom:540px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">The use of payroll deductions by a \u201chost company employer\u201d would not be permitted </div>\n<div class=\"t s9_89\" id=\"t2k_89\" style=\"left:621px;bottom:522px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">where the Board believed there may be a significant credit risk. Receivables past their </div>\n<div class=\"t sg_89\" id=\"t2l_89\" style=\"left:621px;bottom:503px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">due date are summarised within Note 19. The credit risk for liquid funds and other short- </div>\n<div class=\"t s9_89\" id=\"t2m_89\" style=\"left:621px;bottom:485px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">term financial assets is considered negligible, since the counterparties are all regulated </div>\n<div class=\"t s9_89\" id=\"t2n_89\" style=\"left:621px;bottom:467px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">in the UK by the PRA. </div>\n<div class=\"t sg_89\" id=\"t2o_89\" style=\"left:621px;bottom:436px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">At 31 December 2022 the counterparties were as follows: The Co-operative Bank plc, </div>\n<div class=\"t s9_89\" id=\"t2p_89\" style=\"left:621px;bottom:417px;letter-spacing:-0.03px;display:inline;\">Santander UK plc, HSBC Bank Plc, Lloyds Bank Plc, Close Brothers Ltd and Aberdeen </div>\n<div class=\"t s9_89\" id=\"t2q_89\" style=\"left:621px;bottom:399px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">Standard Investments. Long-term rate credit ratings for these counterparties range from </div>\n<div class=\"t s9_89\" id=\"t2r_89\" style=\"left:621px;bottom:380px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">AA to B (ratings sourced from Fitch, and Standard &amp; Poor\u2019s) (2020: AA to B rating range). </div>\n<div class=\"t s9_89\" id=\"t2s_89\" style=\"left:621px;bottom:349px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">The Group is also exposed to the recoverability of receivables from reinsurers. </div>\n<div class=\"t sg_89\" id=\"t2t_89\" style=\"left:621px;bottom:331px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">At 31\u00a0December 2022, the Group utilised two reinsurances counterparties, namely, </div>\n<div class=\"t s9_89\" id=\"t2u_89\" style=\"left:621px;bottom:312px;letter-spacing:-0.29px;word-spacing:-0.01px;display:inline;\">Swiss Re Europe S.A., United Kingdom Branch and AXA XL Insurance Life Syndicate 3002. </div>\n<div class=\"t s9_89\" id=\"t2v_89\" style=\"left:621px;bottom:294px;letter-spacing:-0.05px;word-spacing:-0.13px;display:inline;\">Credit ratings for this reinsurer range from A+ to AA. </div>\n<div class=\"t sg_89\" id=\"t2w_89\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">All subsidiary undertakings are 100% owned by the Company or subsidiaries thereof. </div>\n<div class=\"t s9_89\" id=\"t2x_89\" style=\"left:621px;bottom:245px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">There is at least one Director of Personal Group Holdings on each of the larger subsidiary </div>\n<div class=\"t s9_89\" id=\"t2y_89\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">companies\u2019 Boards and all operations are controlled from within the registered office </div>\n<div class=\"t s9_89\" id=\"t2z_89\" style=\"left:621px;bottom:208px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">in Milton Keynes. The Company Directors have a good understanding of the operational </div>\n<div class=\"t s9_89\" id=\"t30_89\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">performance of each of the subsidiary undertakings. The Company Directors are satisfied </div>\n<div class=\"t s9_89\" id=\"t31_89\" style=\"left:621px;bottom:171px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">that the subsidiary undertakings have sufficient future income streams to enable the </div>\n<div class=\"t s9_89\" id=\"t32_89\" style=\"left:621px;bottom:153px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">liabilities to be repaid in full in the foreseeable future. </div>\n<div class=\"t s9_89\" id=\"t33_89\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Information relating to the fair value measurement of financial assets can be found </div>\n<div class=\"t sg_89\" id=\"t34_89\" style=\"left:621px;bottom:103px;letter-spacing:-0.12px;word-spacing:0.12px;display:inline;\">in Note 17. </div><div></div><div class=\"t s1_90\" id=\"t1_90\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_90\" id=\"t2_90\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_90\" id=\"t3_90\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_90\" id=\"t4_90\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_90\" id=\"t5_90\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_90\" id=\"t6_90\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_90\" id=\"t7_90\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_90\" id=\"t8_90\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_90\" id=\"t9_90\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\">88 </div>\n<div class=\"t sa_90\" id=\"te_90\" style=\"left:74px;bottom:745px;word-spacing:-0.11px;display:inline;\">Interest rate risk </div>\n<div class=\"t sb_90\" id=\"tf_90\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">The Group is not exposed to any financial liabilities with an interest element aside from </div>\n<div class=\"t sb_90\" id=\"tg_90\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the interest element intrinsic in leases. </div>\n<div class=\"t sb_90\" id=\"th_90\" style=\"left:74px;bottom:673px;letter-spacing:-0.04px;display:inline;\">At 31 December 2022, bank deposits and cash and cash equivalents were \u00a318,700,000 </div>\n<div class=\"t sb_90\" id=\"ti_90\" style=\"left:74px;bottom:654px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">(2021: \u00a322,887,000). If UK interest rates increased by 2%, net finance income would </div>\n<div class=\"t sb_90\" id=\"tj_90\" style=\"left:74px;bottom:636px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">increase by approximately \u00a3374,000 with a corresponding increase to\u00a0equity. </div>\n<div class=\"t sa_90\" id=\"tk_90\" style=\"left:74px;bottom:606px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Market risk </div>\n<div class=\"t sb_90\" id=\"tl_90\" style=\"left:74px;bottom:584px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The Group is exposed to market risk, in the form of equity price risk, in respect of its </div>\n<div class=\"t sb_90\" id=\"tm_90\" style=\"left:74px;bottom:565px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">equity investments in managed funds which are invested in worldwide equities and so </div>\n<div class=\"t sb_90\" id=\"tn_90\" style=\"left:74px;bottom:547px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">are valued via directly observable inputs (level 1 inputs). The assets are measured at fair </div>\n<div class=\"t sb_90\" id=\"to_90\" style=\"left:74px;bottom:527px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">value through profit and loss. </div>\n<div class=\"t sa_90\" id=\"tp_90\" style=\"left:74px;bottom:497px;letter-spacing:0.02px;word-spacing:-0.13px;display:inline;\">Liquidity risk </div>\n<div class=\"t sb_90\" id=\"tq_90\" style=\"left:74px;bottom:475px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">Cash balances are managed internally by the Financial Controller and amounts are </div>\n<div class=\"t sb_90\" id=\"tr_90\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;display:inline;\">placed on short-term deposits (currently not exceeding six months) to ensure that </div>\n<div class=\"t sb_90\" id=\"ts_90\" style=\"left:74px;bottom:436px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">sufficient funds are available at all times to pay all liabilities as and when they fall due. </div>\n<div class=\"t sb_90\" id=\"tt_90\" style=\"left:74px;bottom:405px;letter-spacing:-0.03px;display:inline;\">As at 31 December 2022, the Group\u2019s and Company\u2019s liabilities have contractual </div>\n<div class=\"t sb_90\" id=\"tu_90\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">maturities (including interest payments where applicable) as summarised\u00a0below: </div>\n<div class=\"t sc_90\" id=\"tv_90\" style=\"left:267px;bottom:335px;letter-spacing:-0.01px;display:inline;\">Within 6 </div>\n<div class=\"t sc_90\" id=\"tw_90\" style=\"left:272px;bottom:319px;letter-spacing:-0.01px;display:inline;\">months </div>\n<div class=\"t sc_90\" id=\"tx_90\" style=\"left:284px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"ty_90\" style=\"left:356px;bottom:335px;letter-spacing:-0.05px;display:inline;\">6\u201312 </div>\n<div class=\"t sc_90\" id=\"tz_90\" style=\"left:337px;bottom:319px;letter-spacing:-0.01px;display:inline;\">months </div>\n<div class=\"t sc_90\" id=\"t10_90\" style=\"left:349px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t11_90\" style=\"left:394px;bottom:319px;letter-spacing:-0.03px;word-spacing:-0.3px;display:inline;\">1\u20135 years </div>\n<div class=\"t sc_90\" id=\"t12_90\" style=\"left:414px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t13_90\" style=\"left:483px;bottom:351px;letter-spacing:-0.03px;display:inline;\">Non- </div>\n<div class=\"t sc_90\" id=\"t14_90\" style=\"left:486px;bottom:335px;letter-spacing:-0.01px;display:inline;\">cash </div>\n<div class=\"t sc_90\" id=\"t15_90\" style=\"left:474px;bottom:319px;display:inline;\">items* </div>\n<div class=\"t sc_90\" id=\"t16_90\" style=\"left:479px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t17_90\" style=\"left:548px;bottom:319px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sc_90\" id=\"t18_90\" style=\"left:544px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_90\" id=\"t19_90\" style=\"left:78px;bottom:281px;letter-spacing:0.11px;display:inline;\">Group </div>\n<div class=\"t sd_90\" id=\"t1a_90\" style=\"left:78px;bottom:259px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div>\n<div class=\"t sd_90\" id=\"t1b_90\" style=\"left:78px;bottom:237px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t se_90\" id=\"t1c_90\" style=\"left:282px;bottom:237px;letter-spacing:0.29px;display:inline;\">10,422 </div><div class=\"t se_90\" id=\"t1d_90\" style=\"left:364px;bottom:237px;letter-spacing:0.4px;display:inline;\">186 </div><div class=\"t s4_90\" id=\"t1e_90\" style=\"left:441px;bottom:237px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1f_90\" style=\"left:494px;bottom:237px;letter-spacing:0.4px;display:inline;\">868 </div><div class=\"t se_90\" id=\"t1g_90\" style=\"left:542px;bottom:237px;letter-spacing:0.28px;display:inline;\">11,476 </div>\n<div class=\"t sd_90\" id=\"t1h_90\" style=\"left:78px;bottom:215px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Insurance contract liabilities </div><div class=\"t se_90\" id=\"t1i_90\" style=\"left:289px;bottom:215px;letter-spacing:0.33px;display:inline;\">2,321 </div><div class=\"t s4_90\" id=\"t1j_90\" style=\"left:377px;bottom:215px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t1k_90\" style=\"left:441px;bottom:215px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1l_90\" style=\"left:483px;bottom:215px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t se_90\" id=\"t1m_90\" style=\"left:550px;bottom:215px;letter-spacing:0.09px;display:inline;\">3,474 </div>\n<div class=\"t s4_90\" id=\"t1n_90\" style=\"left:78px;bottom:192px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t se_90\" id=\"t1o_90\" style=\"left:283px;bottom:192px;letter-spacing:0.17px;display:inline;\">12,743 </div><div class=\"t se_90\" id=\"t1p_90\" style=\"left:364px;bottom:192px;letter-spacing:0.4px;display:inline;\">186 </div><div class=\"t s4_90\" id=\"t1q_90\" style=\"left:441px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1r_90\" style=\"left:484px;bottom:192px;letter-spacing:0.32px;display:inline;\">2,021 </div><div class=\"t se_90\" id=\"t1s_90\" style=\"left:542px;bottom:192px;letter-spacing:0.35px;display:inline;\">14,950 </div>\n<div class=\"t sd_90\" id=\"t1t_90\" style=\"left:78px;bottom:170px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div>\n<div class=\"t sd_90\" id=\"t1u_90\" style=\"left:78px;bottom:148px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t sf_90\" id=\"t1v_90\" style=\"left:283px;bottom:148px;letter-spacing:0.28px;display:inline;\">11,535 </div><div class=\"t sf_90\" id=\"t1w_90\" style=\"left:364px;bottom:148px;letter-spacing:0.32px;display:inline;\">182 </div><div class=\"t sg_90\" id=\"t1x_90\" style=\"left:442px;bottom:148px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t1y_90\" style=\"left:495px;bottom:148px;letter-spacing:-0.19px;display:inline;\">743 </div><div class=\"t sf_90\" id=\"t1z_90\" style=\"left:542px;bottom:148px;letter-spacing:0.34px;display:inline;\">12,460 </div>\n<div class=\"t sd_90\" id=\"t20_90\" style=\"left:78px;bottom:126px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Insurance contract liabilities </div><div class=\"t sf_90\" id=\"t21_90\" style=\"left:289px;bottom:126px;letter-spacing:0.3px;display:inline;\">2,188 </div><div class=\"t sg_90\" id=\"t22_90\" style=\"left:377px;bottom:126px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t23_90\" style=\"left:442px;bottom:126px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t24_90\" style=\"left:494px;bottom:126px;letter-spacing:0.39px;display:inline;\">899 </div><div class=\"t sf_90\" id=\"t25_90\" style=\"left:550px;bottom:126px;letter-spacing:0.16px;display:inline;\">3,087 </div>\n<div class=\"t s4_90\" id=\"t26_90\" style=\"left:78px;bottom:104px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t sf_90\" id=\"t27_90\" style=\"left:283px;bottom:104px;letter-spacing:0.16px;display:inline;\">13,723 </div><div class=\"t sf_90\" id=\"t28_90\" style=\"left:364px;bottom:104px;letter-spacing:0.32px;display:inline;\">182 </div><div class=\"t sg_90\" id=\"t29_90\" style=\"left:442px;bottom:104px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t2a_90\" style=\"left:484px;bottom:104px;letter-spacing:0.2px;display:inline;\">1,642 </div><div class=\"t sf_90\" id=\"t2b_90\" style=\"left:543px;bottom:104px;letter-spacing:0.26px;display:inline;\">15,547 </div>\n<div class=\"t s4_90\" id=\"t2c_90\" style=\"left:626px;bottom:762px;letter-spacing:0.1px;display:inline;\">Company </div>\n<div class=\"t sd_90\" id=\"t2d_90\" style=\"left:626px;bottom:740px;letter-spacing:0.36px;word-spacing:-0.13px;display:inline;\">At 31 December 2022 </div>\n<div class=\"t sd_90\" id=\"t2e_90\" style=\"left:626px;bottom:718px;letter-spacing:0.38px;word-spacing:-0.14px;display:inline;\">Amounts owed to Group </div>\n<div class=\"t sd_90\" id=\"t2f_90\" style=\"left:626px;bottom:700px;letter-spacing:0.46px;display:inline;\">undertakings </div><div class=\"t se_90\" id=\"t2g_90\" style=\"left:847px;bottom:700px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t s4_90\" id=\"t2h_90\" style=\"left:924px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2i_90\" style=\"left:989px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2j_90\" style=\"left:1054px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t2k_90\" style=\"left:1107px;bottom:700px;letter-spacing:0.22px;display:inline;\">431 </div>\n<div class=\"t s4_90\" id=\"t2l_90\" style=\"left:626px;bottom:678px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t se_90\" id=\"t2m_90\" style=\"left:847px;bottom:678px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t s4_90\" id=\"t2n_90\" style=\"left:924px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2o_90\" style=\"left:989px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2p_90\" style=\"left:1054px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t2q_90\" style=\"left:1107px;bottom:678px;letter-spacing:0.22px;display:inline;\">431 </div>\n<div class=\"t sd_90\" id=\"t2r_90\" style=\"left:626px;bottom:634px;letter-spacing:0.36px;word-spacing:-0.13px;display:inline;\">At 31 December 2022 </div><div class=\"t sf_90\" id=\"t2s_90\" style=\"left:846px;bottom:634px;letter-spacing:0.44px;display:inline;\">257 </div><div class=\"t sg_90\" id=\"t2t_90\" style=\"left:924px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t2u_90\" style=\"left:989px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t2v_90\" style=\"left:1054px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t2w_90\" style=\"left:1106px;bottom:634px;letter-spacing:0.44px;display:inline;\">257 </div>\n<div class=\"t sd_90\" id=\"t2x_90\" style=\"left:626px;bottom:612px;letter-spacing:0.39px;word-spacing:-0.15px;display:inline;\">Amounts owed to subsidiary </div>\n<div class=\"t sd_90\" id=\"t2y_90\" style=\"left:626px;bottom:594px;letter-spacing:0.46px;display:inline;\">undertakings </div><div class=\"t sf_90\" id=\"t2z_90\" style=\"left:847px;bottom:594px;letter-spacing:0.32px;display:inline;\">257 </div><div class=\"t sg_90\" id=\"t30_90\" style=\"left:924px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t31_90\" style=\"left:989px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t32_90\" style=\"left:1054px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t33_90\" style=\"left:1107px;bottom:594px;letter-spacing:0.32px;display:inline;\">257 </div>\n<div class=\"t sh_90\" id=\"t34_90\" style=\"left:621px;bottom:563px;display:inline;\">* </div><div class=\"t sh_90\" id=\"t35_90\" style=\"left:634px;bottom:563px;letter-spacing:0.14px;word-spacing:-0.18px;display:inline;\">Non-cash items relate to unearned premiums or unearned revenue across the different business segments. </div>\n<div class=\"t sa_90\" id=\"t36_90\" style=\"left:621px;bottom:531px;letter-spacing:0.01px;word-spacing:-0.14px;display:inline;\">Currency risk </div>\n<div class=\"t sb_90\" id=\"t37_90\" style=\"left:621px;bottom:509px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">The Group is not exposed to any currency risk as all business is conducted in GBP and all </div>\n<div class=\"t sb_90\" id=\"t38_90\" style=\"left:621px;bottom:490px;letter-spacing:-0.03px;display:inline;\">bank accounts were held in GBP in both 2022 and 2021. </div>\n<div class=\"t sa_90\" id=\"t39_90\" style=\"left:621px;bottom:460px;word-spacing:-0.12px;display:inline;\">Insurance claim and related risks </div>\n<div class=\"t sb_90\" id=\"t3a_90\" style=\"left:621px;bottom:438px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">During the year, Personal Assurance Plc (PA) underwrote two categories of business and </div>\n<div class=\"t sb_90\" id=\"t3b_90\" style=\"left:621px;bottom:420px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">Personal Assurance (Guernsey) Ltd (PAGL) a further two categories, which are described </div>\n<div class=\"t sb_90\" id=\"t3c_90\" style=\"left:621px;bottom:401px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">in detail below: </div>\n<div class=\"t sa_90\" id=\"t3d_90\" style=\"left:621px;bottom:371px;word-spacing:-0.11px;display:inline;\">Hospital cash plans and other personal accident and sickness policies </div>\n<div class=\"t sb_90\" id=\"t3e_90\" style=\"left:621px;bottom:349px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">These have been PA\u2019s core products since 1984 and, at 31 December 2022, represent </div>\n<div class=\"t sb_90\" id=\"t3f_90\" style=\"left:621px;bottom:330px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">99.1% (2021: 98.8%) of PA\u2019s gross premiums written. The vast majority of these policies </div>\n<div class=\"t sb_90\" id=\"t3g_90\" style=\"left:621px;bottom:312px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">are sold to individuals at their place of work as part of an employee benefits package </div>\n<div class=\"t sb_90\" id=\"t3h_90\" style=\"left:621px;bottom:294px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">introduced by PGH on behalf of the employer. The gross loss ratio (excluding claims </div>\n<div class=\"t sb_90\" id=\"t3i_90\" style=\"left:621px;bottom:275px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">handling costs) on these policies at 31 December 2021 was 26.4% (2021: 19.2%). While the </div>\n<div class=\"t sb_90\" id=\"t3j_90\" style=\"left:621px;bottom:257px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">loss ratio has increased year on year, historic losses have been consistent over the period </div>\n<div class=\"t sb_90\" id=\"t3k_90\" style=\"left:621px;bottom:239px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">of time that these policies have been underwritten and therefore the Board has taken </div>\n<div class=\"t sb_90\" id=\"t3l_90\" style=\"left:621px;bottom:220px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">the decision to continue to accept the underwriting risk in full and not to use reinsurance </div>\n<div class=\"t sb_90\" id=\"t3m_90\" style=\"left:621px;bottom:202px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">as a way of managing insurance claim risk. This will continue to be reviewed to ensure </div>\n<div class=\"t sb_90\" id=\"t3n_90\" style=\"left:621px;bottom:184px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">that this remains appropriate going forward. </div>\n<div class=\"t sb_90\" id=\"t3o_90\" style=\"left:621px;bottom:152px;letter-spacing:-0.03px;display:inline;\">At present the maximum payable on any one single claim is \u00a391,375 (2021: \u00a391,375) </div>\n<div class=\"t sb_90\" id=\"t3p_90\" style=\"left:621px;bottom:134px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">and would only be payable after a period of hospital confinement of two years. The </div>\n<div class=\"t sb_90\" id=\"t3q_90\" style=\"left:621px;bottom:116px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">total number of these individual policies in force at 31 December 2022 was 174,887 </div>\n<div class=\"t sb_90\" id=\"t3r_90\" style=\"left:621px;bottom:97px;letter-spacing:-0.3px;word-spacing:-0.08px;display:inline;\">(2021:\u00a0172,829) and the total annualised premium value of these policies was \u00a320,720,000 </div>\n<div class=\"t sb_90\" id=\"t3s_90\" style=\"left:621px;bottom:79px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">(2021: \u00a319,227,000). The average amount paid per claim in 2022 was \u00a3184 (2021: \u00a3205). </div><div></div><div class=\"t s1_91\" id=\"t1_91\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s2_91\" id=\"t2_91\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s3_91\" id=\"t3_91\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"></div>\n<div class=\"t s1_91\" id=\"t4_91\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s1_91\" id=\"t5_91\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s1_91\" id=\"t6_91\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div>\n<div class=\"t s4_91\" id=\"t7_91\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_91\" id=\"t8_91\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_91\" id=\"t9_91\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"></div>\n<div class=\"t sa_91\" id=\"te_91\" style=\"left:74px;bottom:745px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Voluntary Group Income Protection policies (VGIP) </div>\n<div class=\"t sb_91\" id=\"tf_91\" style=\"left:74px;bottom:722px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">In July 2012 PA commenced the underwriting of VGIP policies. In order to manage this </div>\n<div class=\"t sb_91\" id=\"tg_91\" style=\"left:74px;bottom:704px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">insurance risk, the Board took out a quota share reinsurance policy to exclusively cover </div>\n<div class=\"t sb_91\" id=\"th_91\" style=\"left:74px;bottom:686px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">this part of the business. Under this reinsurance policy 90% of the value of each claim is </div>\n<div class=\"t sb_91\" id=\"ti_91\" style=\"left:74px;bottom:667px;letter-spacing:-0.08px;word-spacing:-0.06px;display:inline;\">recoverable from the reinsurer. </div>\n<div class=\"t sb_91\" id=\"tj_91\" style=\"left:74px;bottom:636px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">At 31 December 2022 these policies represent 0.9% (2021: 1.2%) of PA\u2019s gross premiums </div>\n<div class=\"t sb_91\" id=\"tk_91\" style=\"left:74px;bottom:618px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">written. The total annualised premium value of these policies was \u00a3208,000 (2021: </div>\n<div class=\"t sb_91\" id=\"tl_91\" style=\"left:74px;bottom:599px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">\u00a3231,000). The gross loss ratio (excluding claims handling costs) on these policies at </div>\n<div class=\"t sb_91\" id=\"tm_91\" style=\"left:74px;bottom:581px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">31\u00a0December 2022 was 41.1% (2021: 50.8%). The total number of these individual policies </div>\n<div class=\"t sb_91\" id=\"tn_91\" style=\"left:74px;bottom:563px;letter-spacing:-0.17px;word-spacing:-0.01px;display:inline;\">in force at 31 December 2022 was 509 (2021: 674) and the average amount paid per claim </div>\n<div class=\"t sb_91\" id=\"to_91\" style=\"left:74px;bottom:544px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">in 2022 was \u00a38,908 (2021: \u00a311,116). </div>\n<div class=\"t sa_91\" id=\"tp_91\" style=\"left:74px;bottom:514px;word-spacing:-0.12px;display:inline;\">Death benefit policies </div>\n<div class=\"t sb_91\" id=\"tq_91\" style=\"left:74px;bottom:492px;letter-spacing:-0.17px;display:inline;\">Death benefit policies have been underwritten by PAGL since March 2015. These policies </div>\n<div class=\"t sb_91\" id=\"tr_91\" style=\"left:74px;bottom:474px;letter-spacing:-0.17px;word-spacing:-0.06px;display:inline;\">are sold primarily to individuals at their place of work in the same way as the hospital </div>\n<div class=\"t sb_91\" id=\"ts_91\" style=\"left:74px;bottom:455px;letter-spacing:-0.14px;word-spacing:0.01px;display:inline;\">cash\u00a0plans. </div>\n<div class=\"t sb_91\" id=\"tt_91\" style=\"left:74px;bottom:424px;letter-spacing:-0.19px;word-spacing:0.03px;display:inline;\">At 31 December 2022 these policies represent 90% (2021: 89%) of PAGL's gross premiums </div>\n<div class=\"t sb_91\" id=\"tu_91\" style=\"left:74px;bottom:406px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">written. The total annualised premium value of these policies was \u00a37,068,000 (2021: </div>\n<div class=\"t sb_91\" id=\"tv_91\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">\u00a35,929,000). The gross loss ratio (excluding claims handling costs) on these policies at </div>\n<div class=\"t sb_91\" id=\"tw_91\" style=\"left:74px;bottom:369px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">31 December 2022 was 23.6% (2021: 32.6%). A stop loss reinsurance policy is in place to </div>\n<div class=\"t sb_91\" id=\"tx_91\" style=\"left:74px;bottom:351px;letter-spacing:-0.19px;word-spacing:-0.01px;display:inline;\">cover claims over \u00a33,000,000 at any given location. The total number of these individual </div>\n<div class=\"t sb_91\" id=\"ty_91\" style=\"left:74px;bottom:332px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">policies in force at 31 December 2022 was 54,497 (2021: 62,482) and the average amount </div>\n<div class=\"t sb_91\" id=\"tz_91\" style=\"left:74px;bottom:312px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">paid per death in 2022 was \u00a39,365 (2021: \u00a39,518). </div>\n<div class=\"t sa_91\" id=\"t10_91\" style=\"left:74px;bottom:282px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Employee default policies </div>\n<div class=\"t sb_91\" id=\"t11_91\" style=\"left:74px;bottom:260px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">In February 2020 PAGL commenced the underwriting of employee default policies in </div>\n<div class=\"t sb_91\" id=\"t12_91\" style=\"left:74px;bottom:242px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">relation to salary sacrifice sales made by Let\u2019s Connect. These policies provided cover </div>\n<div class=\"t sb_91\" id=\"t13_91\" style=\"left:74px;bottom:223px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">to Let\u2019s Connect\u2019s largest customer in the event that employees left owing salary </div>\n<div class=\"t sb_91\" id=\"t14_91\" style=\"left:74px;bottom:205px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">sacrifice deductions to their employer and these monies were unable to be recovered </div>\n<div class=\"t sb_91\" id=\"t15_91\" style=\"left:74px;bottom:187px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">by alternative means. </div>\n<div class=\"t sb_91\" id=\"t16_91\" style=\"left:74px;bottom:155px;letter-spacing:-0.19px;word-spacing:0.03px;display:inline;\">At 31 December 2022 these policies represent 10% (2021: 11%) of PAGL\u2019s gross premiums </div>\n<div class=\"t sb_91\" id=\"t17_91\" style=\"left:74px;bottom:137px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">written. The gross loss ratio (excluding claims handling costs) on these policies at </div>\n<div class=\"t sb_91\" id=\"t18_91\" style=\"left:74px;bottom:119px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">31\u00a0December 2022 was 3% (2021: 82.3%) and the average amount paid per individual </div>\n<div class=\"t sb_91\" id=\"t19_91\" style=\"left:74px;bottom:100px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">default in 2022 was \u00a3538 (2021:\u00a0\u00a3750). </div>\n<div class=\"t sa_91\" id=\"t1a_91\" style=\"left:621px;bottom:767px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Group loss ratio </div>\n<div class=\"t sb_91\" id=\"t1b_91\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">For the year ended 31 December 2022 the gross claims ratio of the Group was 26.9% </div>\n<div class=\"t sb_91\" id=\"t1c_91\" style=\"left:621px;bottom:726px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">(2021:\u00a024.9%), by taking claims incurred as a proportion of earned premium. A 2% increase </div>\n<div class=\"t sb_91\" id=\"t1d_91\" style=\"left:621px;bottom:708px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">in the claims ratio would increase claims incurred by approximately \u00a3513,000. </div>\n<div class=\"t sb_91\" id=\"t1e_91\" style=\"left:621px;bottom:677px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">There are no material individual claims and open claims over 12 months old are also </div>\n<div class=\"t sb_91\" id=\"t1f_91\" style=\"left:621px;bottom:658px;letter-spacing:-0.15px;word-spacing:-0.07px;display:inline;\">immaterial. As a result, the Group has elected to not disclose claims development tables. </div>\n<div class=\"t s8_91\" id=\"t1g_91\" style=\"left:621px;bottom:624px;letter-spacing:0.23px;word-spacing:1.04px;display:inline;\">4 Capital management and requirements </div>\n<div class=\"t sb_91\" id=\"t1h_91\" style=\"left:621px;bottom:603px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The Group\u2019s capital management objective is to maintain sufficient capital to safeguard </div>\n<div class=\"t sb_91\" id=\"t1i_91\" style=\"left:621px;bottom:584px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">the Group\u2019s ability to continue as a going concern and to protect the interests of all of </div>\n<div class=\"t sb_91\" id=\"t1j_91\" style=\"left:621px;bottom:566px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">its customers, investors, regulator and trading partners while also efficiently deploying </div>\n<div class=\"t sb_91\" id=\"t1k_91\" style=\"left:621px;bottom:548px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">capital and managing risk to sustain ongoing business development. The Group manages </div>\n<div class=\"t sb_91\" id=\"t1l_91\" style=\"left:621px;bottom:529px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">its capital resources in line with the Group\u2019s capital management Policy, which is reviewed </div>\n<div class=\"t sb_91\" id=\"t1m_91\" style=\"left:621px;bottom:511px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">on an annual basis. The Group\u2019s capital position is kept under constant review and is </div>\n<div class=\"t sb_91\" id=\"t1n_91\" style=\"left:621px;bottom:493px;letter-spacing:-0.05px;word-spacing:-0.08px;display:inline;\">reported monthly to the Board. </div>\n<div class=\"t sb_91\" id=\"t1o_91\" style=\"left:621px;bottom:461px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Since 1 January 2016, Personal Assurance Plc (PA) has been subject to the requirements of </div>\n<div class=\"t sb_91\" id=\"t1p_91\" style=\"left:621px;bottom:443px;letter-spacing:-0.17px;word-spacing:0.02px;display:inline;\">the Solvency II (SII) Directive and must hold sufficient capital to cover its Solvency Capital </div>\n<div class=\"t sb_91\" id=\"t1q_91\" style=\"left:621px;bottom:425px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Requirement (SCR). In addition, PA maintains a buffer in excess of this capital requirement, </div>\n<div class=\"t sb_91\" id=\"t1r_91\" style=\"left:621px;bottom:406px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">specified in line with the capital risk appetite agreed by the Board. The SCR is calculated in </div>\n<div class=\"t sb_91\" id=\"t1s_91\" style=\"left:621px;bottom:388px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">accordance with the Standard Formula specified in the SII legislation. </div>\n<div class=\"t sb_91\" id=\"t1t_91\" style=\"left:621px;bottom:357px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">At least annually, the Group undertakes the Own Risk and Solvency Assessment (ORSA). </div>\n<div class=\"t sb_91\" id=\"t1u_91\" style=\"left:621px;bottom:338px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">This process enables the Group to assess how well the Standard Formula SCR reflects </div>\n<div class=\"t sb_91\" id=\"t1v_91\" style=\"left:621px;bottom:320px;letter-spacing:-0.04px;display:inline;\">the Group\u2019s actual risk profile, and comprises all the activities by which PA establishes </div>\n<div class=\"t sb_91\" id=\"t1w_91\" style=\"left:621px;bottom:302px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">the level of capital required to meet its solvency needs over the planning period given </div>\n<div class=\"t sb_91\" id=\"t1x_91\" style=\"left:621px;bottom:283px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">the Company\u2019s strategy and risk appetite. The conclusions from these activities are </div>\n<div class=\"t sb_91\" id=\"t1y_91\" style=\"left:621px;bottom:265px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">summarised in the ORSA Report which is reviewed by the Risk Committee, approved by </div>\n<div class=\"t sb_91\" id=\"t1z_91\" style=\"left:621px;bottom:247px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">the Board and submitted to the Prudential Regulation Authority (PRA) at least annually. </div>\n<div class=\"t sb_91\" id=\"t20_91\" style=\"left:621px;bottom:215px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">PA\u2019s unaudited Eligible Own Funds, determined in accordance with the SII valuation </div>\n<div class=\"t sb_91\" id=\"t21_91\" style=\"left:621px;bottom:197px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">rules, were \u00a311.5m (2021: \u00a312.6m) which was in excess of the estimated SCR of \u00a33.5m </div>\n<div class=\"t sb_91\" id=\"t22_91\" style=\"left:621px;bottom:179px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">(2021: \u00a33.5m). This represented an estimated solvency coverage ratio of 333% (2021: </div>\n<div class=\"t sb_91\" id=\"t23_91\" style=\"left:621px;bottom:160px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">357%). The movement year on year remains consistent and is in line with the Board\u2019s </div>\n<div class=\"t sb_91\" id=\"t24_91\" style=\"left:621px;bottom:142px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">risk appetite of holding greater than 150% of the requirement. </div>\n<div class=\"t sb_91\" id=\"t25_91\" style=\"left:621px;bottom:111px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Other than disclosed above there have been no changes to what is managed as capital </div>\n<div class=\"t sb_91\" id=\"t26_91\" style=\"left:621px;bottom:92px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">or the Group\u2019s capital management objectives, policies or procedures during the year. </div><div></div><div class=\"t s1_92\" id=\"t1_92\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_92\" id=\"t2_92\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_92\" id=\"t3_92\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_92\" id=\"t4_92\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_92\" id=\"t5_92\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_92\" id=\"t6_92\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_92\" id=\"t7_92\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_92\" id=\"t8_92\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_92\" id=\"t9_92\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n<div class=\"t sa_92\" id=\"te_92\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">At 31 December 2022, the requirements of the Group\u2019s regulated companies were </div>\n<div class=\"t sa_92\" id=\"tf_92\" style=\"left:74px;bottom:725px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">as\u00a0follows: </div>\n<div class=\"t sb_92\" id=\"tg_92\" style=\"left:274px;bottom:641px;letter-spacing:-0.06px;display:inline;\">Relevant </div>\n<div class=\"t sb_92\" id=\"th_92\" style=\"left:263px;bottom:625px;letter-spacing:-0.02px;display:inline;\">regulatory </div>\n<div class=\"t sb_92\" id=\"ti_92\" style=\"left:298px;bottom:609px;letter-spacing:-0.01px;display:inline;\">body </div>\n<div class=\"t sb_92\" id=\"tj_92\" style=\"left:371px;bottom:673px;letter-spacing:-0.01px;display:inline;\">Capital </div>\n<div class=\"t sb_92\" id=\"tk_92\" style=\"left:356px;bottom:657px;letter-spacing:-0.04px;display:inline;\">resources </div>\n<div class=\"t sb_92\" id=\"tl_92\" style=\"left:339px;bottom:641px;letter-spacing:-0.02px;display:inline;\">requirement </div>\n<div class=\"t sb_92\" id=\"tm_92\" style=\"left:352px;bottom:625px;letter-spacing:-0.01px;display:inline;\">unaudited </div>\n<div class=\"t sb_92\" id=\"tn_92\" style=\"left:379px;bottom:609px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_92\" id=\"to_92\" style=\"left:449px;bottom:657px;letter-spacing:-0.01px;display:inline;\">Capital </div>\n<div class=\"t sb_92\" id=\"tp_92\" style=\"left:434px;bottom:641px;letter-spacing:-0.04px;display:inline;\">resources </div>\n<div class=\"t sb_92\" id=\"tq_92\" style=\"left:430px;bottom:625px;letter-spacing:-0.01px;display:inline;\">unaudited </div>\n<div class=\"t sb_92\" id=\"tr_92\" style=\"left:457px;bottom:609px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_92\" id=\"ts_92\" style=\"left:533px;bottom:689px;letter-spacing:-0.01px;display:inline;\">Surplus </div>\n<div class=\"t sb_92\" id=\"tt_92\" style=\"left:508px;bottom:673px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">over capital </div>\n<div class=\"t sb_92\" id=\"tu_92\" style=\"left:521px;bottom:657px;letter-spacing:-0.04px;display:inline;\">resources </div>\n<div class=\"t sb_92\" id=\"tv_92\" style=\"left:503px;bottom:641px;letter-spacing:-0.02px;display:inline;\">requirement </div>\n<div class=\"t sb_92\" id=\"tw_92\" style=\"left:517px;bottom:625px;letter-spacing:-0.01px;display:inline;\">unaudited </div>\n<div class=\"t sb_92\" id=\"tx_92\" style=\"left:544px;bottom:609px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_92\" id=\"ty_92\" style=\"left:78px;bottom:587px;letter-spacing:0.1px;display:inline;\">Company </div>\n<div class=\"t sc_92\" id=\"tz_92\" style=\"left:78px;bottom:565px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div><div class=\"t s4_92\" id=\"t10_92\" style=\"left:275px;bottom:565px;letter-spacing:0.37px;word-spacing:-0.25px;display:inline;\">FCA, PRA </div><div class=\"t sd_92\" id=\"t11_92\" style=\"left:384px;bottom:565px;letter-spacing:0.31px;display:inline;\">3,469 </div><div class=\"t sd_92\" id=\"t12_92\" style=\"left:455px;bottom:565px;letter-spacing:0.41px;display:inline;\">11,541 </div><div class=\"t sd_92\" id=\"t13_92\" style=\"left:549px;bottom:565px;letter-spacing:0.26px;display:inline;\">8,071 </div>\n<div class=\"t sc_92\" id=\"t14_92\" style=\"left:78px;bottom:543px;letter-spacing:0.08px;word-spacing:-0.15px;display:inline;\">Personal Assurance Services </div>\n<div class=\"t sc_92\" id=\"t15_92\" style=\"left:78px;bottom:525px;letter-spacing:0.11px;display:inline;\">Limited </div><div class=\"t s4_92\" id=\"t16_92\" style=\"left:305px;bottom:525px;letter-spacing:0.31px;display:inline;\">FCA </div><div class=\"t sd_92\" id=\"t17_92\" style=\"left:401px;bottom:525px;letter-spacing:0.25px;display:inline;\">43 </div><div class=\"t sd_92\" id=\"t18_92\" style=\"left:462px;bottom:525px;letter-spacing:0.3px;display:inline;\">4,330 </div><div class=\"t sd_92\" id=\"t19_92\" style=\"left:549px;bottom:525px;letter-spacing:0.33px;display:inline;\">4,287 </div>\n<div class=\"t sc_92\" id=\"t1a_92\" style=\"left:78px;bottom:503px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div><div class=\"t s4_92\" id=\"t1b_92\" style=\"left:305px;bottom:503px;letter-spacing:0.31px;display:inline;\">FCA </div><div class=\"t s4_92\" id=\"t1c_92\" style=\"left:401px;bottom:503px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t s4_92\" id=\"t1d_92\" style=\"left:472px;bottom:503px;letter-spacing:0.21px;display:inline;\">521 </div><div class=\"t sd_92\" id=\"t1e_92\" style=\"left:559px;bottom:503px;letter-spacing:0.11px;display:inline;\">470 </div>\n<div class=\"t sc_92\" id=\"t1f_92\" style=\"left:78px;bottom:481px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Limited </div><div class=\"t s4_92\" id=\"t1g_92\" style=\"left:305px;bottom:481px;letter-spacing:0.31px;display:inline;\">FCA </div><div class=\"t s4_92\" id=\"t1h_92\" style=\"left:401px;bottom:481px;letter-spacing:0.12px;display:inline;\">75 </div><div class=\"t sd_92\" id=\"t1i_92\" style=\"left:472px;bottom:481px;letter-spacing:0.31px;display:inline;\">411 </div><div class=\"t s4_92\" id=\"t1j_92\" style=\"left:559px;bottom:481px;letter-spacing:0.22px;display:inline;\">336 </div>\n<div class=\"t sc_92\" id=\"t1k_92\" style=\"left:78px;bottom:459px;letter-spacing:0.06px;word-spacing:-0.13px;display:inline;\">Personal Assurance (Guernsey) </div>\n<div class=\"t sc_92\" id=\"t1l_92\" style=\"left:78px;bottom:441px;letter-spacing:0.11px;display:inline;\">Limited </div><div class=\"t s4_92\" id=\"t1m_92\" style=\"left:298px;bottom:441px;letter-spacing:0.36px;display:inline;\">GFSC </div><div class=\"t sd_92\" id=\"t1n_92\" style=\"left:394px;bottom:441px;letter-spacing:0.35px;display:inline;\">914 </div><div class=\"t sd_92\" id=\"t1o_92\" style=\"left:462px;bottom:441px;letter-spacing:0.38px;display:inline;\">2,849 </div><div class=\"t s4_92\" id=\"t1p_92\" style=\"left:549px;bottom:441px;letter-spacing:0.29px;display:inline;\">1,935 </div>\n<div class=\"t sa_92\" id=\"t1q_92\" style=\"left:74px;bottom:402px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">Personal Assurance Plc and Personal Assurance (Guernsey) Limited maintains the </div>\n<div class=\"t sa_92\" id=\"t1r_92\" style=\"left:74px;bottom:384px;letter-spacing:-0.04px;display:inline;\">majority of their assets in cash and short-term fixed interest rate\u00a0deposits. </div>\n<div class=\"t sa_92\" id=\"t1s_92\" style=\"left:74px;bottom:353px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">The capital resources and corresponding capital resource requirement for each PRA </div>\n<div class=\"t sa_92\" id=\"t1t_92\" style=\"left:74px;bottom:334px;letter-spacing:-0.04px;display:inline;\">regulated entity is calculated in accordance with PRA regulations. </div>\n<div class=\"t sa_92\" id=\"t1u_92\" style=\"left:74px;bottom:303px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">The capital resources and corresponding capital resource requirement for each FCA </div>\n<div class=\"t sa_92\" id=\"t1v_92\" style=\"left:74px;bottom:285px;letter-spacing:-0.05px;display:inline;\">regulated entity is calculated in accordance with FCA regulations. </div>\n<div class=\"t sa_92\" id=\"t1w_92\" style=\"left:74px;bottom:253px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">The Group\u2019s capital comprises all components of equity. </div>\n<div class=\"t sa_92\" id=\"t1x_92\" style=\"left:74px;bottom:222px;letter-spacing:-0.04px;display:inline;\">The Group\u2019s regulated entities have complied with all externally imposed capital </div>\n<div class=\"t sa_92\" id=\"t1y_92\" style=\"left:74px;bottom:204px;letter-spacing:-0.06px;word-spacing:-0.13px;display:inline;\">requirements during the year. </div>\n<div class=\"t se_92\" id=\"t1z_92\" style=\"left:621px;bottom:765px;letter-spacing:0.2px;word-spacing:2.2px;display:inline;\">5 Segment analysis </div>\n<div class=\"t sa_92\" id=\"t20_92\" style=\"left:621px;bottom:743px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">The segments used by management to review the operations of the business are </div>\n<div class=\"t sa_92\" id=\"t21_92\" style=\"left:621px;bottom:725px;letter-spacing:0.08px;word-spacing:0.05px;display:inline;\">disclosed below. </div>\n<div class=\"t sf_92\" id=\"t22_92\" style=\"left:621px;bottom:695px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">1) Affordable Insurance </div>\n<div class=\"t sa_92\" id=\"t23_92\" style=\"left:621px;bottom:673px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Personal Assurance Plc (PA), a subsidiary within the Group, is a PRA regulated general </div>\n<div class=\"t sa_92\" id=\"t24_92\" style=\"left:621px;bottom:654px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">insurance Company and is authorised to transact accident and sickness insurance. It was </div>\n<div class=\"t sa_92\" id=\"t25_92\" style=\"left:621px;bottom:636px;letter-spacing:-0.01px;display:inline;\">established in 1984 and has been underwriting business since 1985. In 1997 Personal </div>\n<div class=\"t sa_92\" id=\"t26_92\" style=\"left:621px;bottom:618px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Group Holdings Plc (PGH) was created and became the ultimate parent undertaking of </div>\n<div class=\"t sa_92\" id=\"t27_92\" style=\"left:621px;bottom:599px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">the Group. </div>\n<div class=\"t sa_92\" id=\"t28_92\" style=\"left:621px;bottom:568px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">Personal Assurance (Guernsey) Limited (PAGL), a subsidiary within the Group, is regulated </div>\n<div class=\"t sa_92\" id=\"t29_92\" style=\"left:621px;bottom:550px;letter-spacing:-0.03px;display:inline;\">by the Guernsey Financial Services Commission and has been underwriting death benefit </div>\n<div class=\"t sa_92\" id=\"t2a_92\" style=\"left:621px;bottom:531px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">policies since March 2015. </div>\n<div class=\"t sa_92\" id=\"t2b_92\" style=\"left:621px;bottom:500px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">This operating segment derives the majority of its revenue from the underwriting by PA </div>\n<div class=\"t sa_92\" id=\"t2c_92\" style=\"left:621px;bottom:482px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">and PAGL of insurance policies that have been bought by employees of host companies </div>\n<div class=\"t sa_92\" id=\"t2d_92\" style=\"left:621px;bottom:463px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">via bespoke benefit programmes. During 2020 PAGL began underwriting employee </div>\n<div class=\"t sa_92\" id=\"t2e_92\" style=\"left:621px;bottom:445px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">default insurance for a proportion of PG Let's Connect customers. </div>\n<div class=\"t sf_92\" id=\"t2f_92\" style=\"left:621px;bottom:415px;word-spacing:-0.13px;display:inline;\">2) Other Owned Benefits </div>\n<div class=\"t sa_92\" id=\"t2g_92\" style=\"left:621px;bottom:393px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">This segment constitutes any goods or services in the benefits platform supply chain </div>\n<div class=\"t sa_92\" id=\"t2h_92\" style=\"left:621px;bottom:374px;letter-spacing:-0.18px;word-spacing:-0.03px;display:inline;\">which are owned by the Group. At present this is made up of a technology salary sacrifice </div>\n<div class=\"t sa_92\" id=\"t2i_92\" style=\"left:621px;bottom:356px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">business trading as PG Let\u2019s Connect, purchased by the Group in 2014. </div>\n<div class=\"t sf_92\" id=\"t2j_92\" style=\"left:621px;bottom:326px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">3) Benefits Platform </div>\n<div class=\"t sa_92\" id=\"t2k_92\" style=\"left:621px;bottom:303px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Revenue in this segment relates to the annual subscription income and other related </div>\n<div class=\"t sa_92\" id=\"t2l_92\" style=\"left:621px;bottom:285px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">income arising from the licensing of Hapi, the Group\u2019s employee benefit platform. </div>\n<div class=\"t sa_92\" id=\"t2m_92\" style=\"left:621px;bottom:267px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">This includes sales to both the large corporate and SME sectors. </div>\n<div class=\"t sf_92\" id=\"t2n_92\" style=\"left:621px;bottom:237px;letter-spacing:-0.08px;word-spacing:-0.04px;display:inline;\">4) Pay and Reward </div>\n<div class=\"t sa_92\" id=\"t2o_92\" style=\"left:621px;bottom:214px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">Pay and Reward refers to the trade of the Group\u2019s pay and reward consultancy Company </div>\n<div class=\"t sa_92\" id=\"t2p_92\" style=\"left:621px;bottom:196px;letter-spacing:-0.29px;word-spacing:-0.01px;display:inline;\">Innecto, purchased in 2019, and QCG, purchased in 2022. Revenue in this segment relates to </div>\n<div class=\"t sa_92\" id=\"t2q_92\" style=\"left:621px;bottom:178px;letter-spacing:-0.3px;word-spacing:0.02px;display:inline;\">consultancy, surveys, and licence income derived from selling digital platform subscriptions. </div>\n<div class=\"t sf_92\" id=\"t2r_92\" style=\"left:621px;bottom:147px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">5) Other </div>\n<div class=\"t sa_92\" id=\"t2s_92\" style=\"left:621px;bottom:125px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">The other operating segment consists exclusively of revenue generated by Berkeley </div>\n<div class=\"t sa_92\" id=\"t2t_92\" style=\"left:621px;bottom:107px;letter-spacing:-0.03px;display:inline;\">Morgan Group (BMG) and its subsidiary undertakings along with any investment and </div>\n<div class=\"t sa_92\" id=\"t2u_92\" style=\"left:621px;bottom:88px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">rental income obtained by the Group. This segment also includes revenue generated </div>\n<div class=\"t sa_92\" id=\"t2v_92\" style=\"left:621px;bottom:70px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">from the resale of vouchers (Note 2.22). </div><div></div><div class=\"t s1_93\" id=\"t1_93\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_93\" id=\"t2_93\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_93\" id=\"t3_93\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_93\" id=\"t4_93\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_93\" id=\"t5_93\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_93\" id=\"t6_93\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_93\" id=\"t7_93\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_93\" id=\"t8_93\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_93\" id=\"t9_93\" style=\"left:1107px;bottom:878px;letter-spacing:-0.25px;display:inline;\"></div>\n<div class=\"t sa_93\" id=\"te_93\" style=\"left:456px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"tf_93\" style=\"left:451px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"tg_93\" style=\"left:553px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"th_93\" style=\"left:547px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_93\" id=\"ti_93\" style=\"left:79px;bottom:701px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Revenue by segment </div>\n<div class=\"t sb_93\" id=\"tj_93\" style=\"left:79px;bottom:679px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Affordable Insurance </div><div class=\"t sc_93\" id=\"tk_93\" style=\"left:450px;bottom:679px;letter-spacing:0.3px;display:inline;\">25,257 </div><div class=\"t sd_93\" id=\"tl_93\" style=\"left:546px;bottom:679px;letter-spacing:0.09px;display:inline;\">24,670 </div>\n<div class=\"t sb_93\" id=\"tm_93\" style=\"left:79px;bottom:657px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"tn_93\" style=\"left:449px;bottom:657px;letter-spacing:0.34px;display:inline;\">16,800 </div><div class=\"t sd_93\" id=\"to_93\" style=\"left:546px;bottom:657px;letter-spacing:0.22px;display:inline;\">18,214 </div>\n<div class=\"t sb_93\" id=\"tp_93\" style=\"left:79px;bottom:635px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s4_93\" id=\"tq_93\" style=\"left:457px;bottom:635px;letter-spacing:0.15px;display:inline;\">7,446 </div><div class=\"t sd_93\" id=\"tr_93\" style=\"left:553px;bottom:635px;letter-spacing:0.09px;display:inline;\">6,051 </div>\n<div class=\"t sb_93\" id=\"ts_93\" style=\"left:79px;bottom:613px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform \u2013 Group Elimination </div><div class=\"t sc_93\" id=\"tt_93\" style=\"left:453px;bottom:613px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"tu_93\" style=\"left:550px;bottom:613px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t sb_93\" id=\"tv_93\" style=\"left:79px;bottom:590px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"tw_93\" style=\"left:456px;bottom:590px;letter-spacing:0.38px;display:inline;\">2,008 </div><div class=\"t sd_93\" id=\"tx_93\" style=\"left:552px;bottom:590px;letter-spacing:0.31px;display:inline;\">1,236 </div>\n<div class=\"t s4_93\" id=\"ty_93\" style=\"left:79px;bottom:568px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Other income </div>\n<div class=\"t sb_93\" id=\"tz_93\" style=\"left:79px;bottom:546px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Voucher resale </div><div class=\"t s4_93\" id=\"t10_93\" style=\"left:451px;bottom:546px;letter-spacing:0.12px;display:inline;\">37,389 </div><div class=\"t sd_93\" id=\"t11_93\" style=\"left:546px;bottom:546px;letter-spacing:0.17px;display:inline;\">26,852 </div>\n<div class=\"t sb_93\" id=\"t12_93\" style=\"left:79px;bottom:524px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t13_93\" style=\"left:466px;bottom:524px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sd_93\" id=\"t14_93\" style=\"left:561px;bottom:524px;letter-spacing:0.39px;display:inline;\">215 </div>\n<div class=\"t sb_93\" id=\"t15_93\" style=\"left:79px;bottom:502px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Investment income </div><div class=\"t sc_93\" id=\"t16_93\" style=\"left:466px;bottom:502px;letter-spacing:0.42px;display:inline;\">145 </div><div class=\"t sd_93\" id=\"t17_93\" style=\"left:568px;bottom:502px;letter-spacing:0.36px;display:inline;\">23 </div>\n<div class=\"t s4_93\" id=\"t18_93\" style=\"left:79px;bottom:480px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">Group Revenue </div><div class=\"t sc_93\" id=\"t19_93\" style=\"left:450px;bottom:480px;letter-spacing:0.22px;display:inline;\">86,655 </div><div class=\"t sd_93\" id=\"t1a_93\" style=\"left:546px;bottom:480px;letter-spacing:0.09px;display:inline;\">74,513 </div>\n<div class=\"t s4_93\" id=\"t1b_93\" style=\"left:79px;bottom:457px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Adjusted EBITDA* contribution by segment </div>\n<div class=\"t sb_93\" id=\"t1c_93\" style=\"left:79px;bottom:435px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Affordable Insurance </div><div class=\"t sc_93\" id=\"t1d_93\" style=\"left:457px;bottom:435px;letter-spacing:0.17px;display:inline;\">9,032 </div><div class=\"t sd_93\" id=\"t1e_93\" style=\"left:545px;bottom:435px;letter-spacing:0.26px;display:inline;\">11,012 </div>\n<div class=\"t sb_93\" id=\"t1f_93\" style=\"left:79px;bottom:413px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t s4_93\" id=\"t1g_93\" style=\"left:466px;bottom:413px;letter-spacing:0.45px;display:inline;\">664 </div><div class=\"t sd_93\" id=\"t1h_93\" style=\"left:561px;bottom:413px;letter-spacing:0.35px;display:inline;\">730 </div>\n<div class=\"t sb_93\" id=\"t1i_93\" style=\"left:79px;bottom:391px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t sc_93\" id=\"t1j_93\" style=\"left:456px;bottom:391px;letter-spacing:0.39px;display:inline;\">2,866 </div><div class=\"t sd_93\" id=\"t1k_93\" style=\"left:552px;bottom:391px;letter-spacing:0.28px;display:inline;\">2,098 </div>\n<div class=\"t sb_93\" id=\"t1l_93\" style=\"left:79px;bottom:369px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"t1m_93\" style=\"left:466px;bottom:369px;letter-spacing:0.23px;display:inline;\">495 </div><div class=\"t sd_93\" id=\"t1n_93\" style=\"left:562px;bottom:369px;letter-spacing:0.22px;display:inline;\">303 </div>\n<div class=\"t sb_93\" id=\"t1o_93\" style=\"left:79px;bottom:347px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t1p_93\" style=\"left:466px;bottom:347px;letter-spacing:0.35px;display:inline;\">160 </div><div class=\"t sd_93\" id=\"t1q_93\" style=\"left:562px;bottom:347px;letter-spacing:0.12px;display:inline;\">279 </div>\n<div class=\"t sb_93\" id=\"t1r_93\" style=\"left:79px;bottom:325px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Group admin and central costs** </div><div class=\"t sc_93\" id=\"t1s_93\" style=\"left:453px;bottom:325px;letter-spacing:0.17px;display:inline;\">(7,107) </div><div class=\"t sd_93\" id=\"t1t_93\" style=\"left:549px;bottom:325px;letter-spacing:0.18px;display:inline;\">(8,228) </div>\n<div class=\"t sb_93\" id=\"t1u_93\" style=\"left:79px;bottom:302px;letter-spacing:0.1px;display:inline;\">Charitable donations </div><div class=\"t sc_93\" id=\"t1v_93\" style=\"left:462px;bottom:302px;letter-spacing:0.24px;display:inline;\">(100) </div><div class=\"t sd_93\" id=\"t1w_93\" style=\"left:558px;bottom:302px;letter-spacing:0.18px;display:inline;\">(100) </div>\n<div class=\"t s4_93\" id=\"t1x_93\" style=\"left:79px;bottom:280px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Adjusted EBITDA* </div><div class=\"t sc_93\" id=\"t1y_93\" style=\"left:456px;bottom:280px;letter-spacing:0.24px;display:inline;\">6,010 </div><div class=\"t sd_93\" id=\"t1z_93\" style=\"left:552px;bottom:280px;letter-spacing:0.25px;display:inline;\">6,094 </div>\n<div class=\"t sb_93\" id=\"t20_93\" style=\"left:79px;bottom:258px;letter-spacing:0.09px;display:inline;\">Depreciation** </div><div class=\"t sc_93\" id=\"t21_93\" style=\"left:453px;bottom:258px;letter-spacing:0.21px;display:inline;\">(1,052) </div><div class=\"t sd_93\" id=\"t22_93\" style=\"left:558px;bottom:258px;letter-spacing:0.27px;display:inline;\">(966) </div>\n<div class=\"t sb_93\" id=\"t23_93\" style=\"left:79px;bottom:236px;letter-spacing:0.1px;display:inline;\">Amortisation** </div><div class=\"t s4_93\" id=\"t24_93\" style=\"left:462px;bottom:236px;letter-spacing:0.3px;display:inline;\">(786) </div><div class=\"t se_93\" id=\"t25_93\" style=\"left:558px;bottom:236px;letter-spacing:0.27px;display:inline;\">(585) </div>\n<div class=\"t sb_93\" id=\"t26_93\" style=\"left:79px;bottom:214px;letter-spacing:0.07px;display:inline;\">Interest </div><div class=\"t sc_93\" id=\"t27_93\" style=\"left:469px;bottom:214px;letter-spacing:0.15px;display:inline;\">(20) </div><div class=\"t sd_93\" id=\"t28_93\" style=\"left:565px;bottom:214px;letter-spacing:0.17px;display:inline;\">(32) </div>\n<div class=\"t sb_93\" id=\"t29_93\" style=\"left:79px;bottom:192px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share based payments expenses </div><div class=\"t sc_93\" id=\"t2a_93\" style=\"left:463px;bottom:192px;letter-spacing:0.15px;display:inline;\">(291) </div><div class=\"t sd_93\" id=\"t2b_93\" style=\"left:559px;bottom:192px;letter-spacing:0.1px;display:inline;\">(169) </div>\n<div class=\"t sb_93\" id=\"t2c_93\" style=\"left:79px;bottom:169px;letter-spacing:0.11px;display:inline;\">Impairment </div><div class=\"t sc_93\" id=\"t2d_93\" style=\"left:446px;bottom:169px;letter-spacing:0.21px;display:inline;\">(10,575) </div><div class=\"t se_93\" id=\"t2e_93\" style=\"left:574px;bottom:169px;display:inline;\">\u2013 </div>\n<div class=\"t sb_93\" id=\"t2f_93\" style=\"left:79px;bottom:147px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Corporate acquisition costs </div><div class=\"t s4_93\" id=\"t2g_93\" style=\"left:469px;bottom:147px;letter-spacing:0.2px;display:inline;\">(46) </div><div class=\"t se_93\" id=\"t2h_93\" style=\"left:574px;bottom:147px;display:inline;\">\u2013 </div>\n<div class=\"t s4_93\" id=\"t2i_93\" style=\"left:79px;bottom:125px;letter-spacing:0.08px;word-spacing:-0.07px;display:inline;\">(Loss)/Profit before tax </div><div class=\"t sc_93\" id=\"t2j_93\" style=\"left:453px;bottom:125px;letter-spacing:0.17px;display:inline;\">(6,760) </div><div class=\"t sd_93\" id=\"t2k_93\" style=\"left:552px;bottom:125px;letter-spacing:0.22px;display:inline;\">4,342 </div>\n<div class=\"t sf_93\" id=\"t2l_93\" style=\"left:74px;bottom:93px;display:inline;\">* </div><div class=\"t sf_93\" id=\"t2m_93\" style=\"left:87px;bottom:93px;letter-spacing:0.15px;word-spacing:-0.18px;display:inline;\">Adjusted EBITDA is defined as earnings before interest, tax, depreciation, amortisation of intangible assets, </div>\n<div class=\"t sf_93\" id=\"t2n_93\" style=\"left:87px;bottom:81px;letter-spacing:0.16px;word-spacing:-0.19px;display:inline;\">goodwill impairment, share-based payment expenses, corporate acquisition costs, restructuring costs and </div>\n<div class=\"t sf_93\" id=\"t2o_93\" style=\"left:87px;bottom:69px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">release of tax provision. </div>\n<div class=\"t sf_93\" id=\"t2p_93\" style=\"left:74px;bottom:52px;letter-spacing:0.14px;word-spacing:-0.02px;display:inline;\">** These costs constitute Group administration expenses on the face of the Consolidated Income Statement. </div>\n<div class=\"t sg_93\" id=\"t2q_93\" style=\"left:621px;bottom:767px;word-spacing:-0.11px;display:inline;\">Segmental assets and liabilities </div>\n<div class=\"t sa_93\" id=\"t2r_93\" style=\"left:886px;bottom:742px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sa_93\" id=\"t2s_93\" style=\"left:1043px;bottom:742px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"t2t_93\" style=\"left:854px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t sa_93\" id=\"t2u_93\" style=\"left:858px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t2v_93\" style=\"left:912px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t sa_93\" id=\"t2w_93\" style=\"left:936px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t2x_93\" style=\"left:1010px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t sa_93\" id=\"t2y_93\" style=\"left:1014px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t2z_93\" style=\"left:1068px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t sa_93\" id=\"t30_93\" style=\"left:1092px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_93\" id=\"t31_93\" style=\"left:626px;bottom:682px;letter-spacing:0.08px;display:inline;\">Insurance </div><div class=\"t sc_93\" id=\"t32_93\" style=\"left:856px;bottom:682px;letter-spacing:0.3px;display:inline;\">25,080 </div><div class=\"t sc_93\" id=\"t33_93\" style=\"left:941px;bottom:682px;letter-spacing:0.32px;display:inline;\">8,419 </div><div class=\"t sd_93\" id=\"t34_93\" style=\"left:1013px;bottom:682px;letter-spacing:0.24px;display:inline;\">28,205 </div><div class=\"t sd_93\" id=\"t35_93\" style=\"left:1097px;bottom:682px;letter-spacing:0.21px;display:inline;\">8,168 </div>\n<div class=\"t sb_93\" id=\"t36_93\" style=\"left:626px;bottom:660px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"t37_93\" style=\"left:863px;bottom:660px;letter-spacing:0.25px;display:inline;\">9,608 </div><div class=\"t s4_93\" id=\"t38_93\" style=\"left:941px;bottom:660px;letter-spacing:0.28px;display:inline;\">4,794 </div><div class=\"t sd_93\" id=\"t39_93\" style=\"left:1013px;bottom:660px;letter-spacing:0.12px;display:inline;\">10,910 </div><div class=\"t sd_93\" id=\"t3a_93\" style=\"left:1098px;bottom:660px;letter-spacing:0.04px;display:inline;\">6,176 </div>\n<div class=\"t sb_93\" id=\"t3b_93\" style=\"left:626px;bottom:637px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t sc_93\" id=\"t3c_93\" style=\"left:862px;bottom:637px;letter-spacing:0.36px;display:inline;\">2,410 </div><div class=\"t sc_93\" id=\"t3d_93\" style=\"left:940px;bottom:637px;letter-spacing:0.38px;display:inline;\">1,325 </div><div class=\"t sd_93\" id=\"t3e_93\" style=\"left:1019px;bottom:637px;letter-spacing:0.18px;display:inline;\">2,055 </div><div class=\"t sd_93\" id=\"t3f_93\" style=\"left:1097px;bottom:637px;letter-spacing:0.36px;display:inline;\">1,400 </div>\n<div class=\"t sb_93\" id=\"t3g_93\" style=\"left:626px;bottom:615px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"t3h_93\" style=\"left:862px;bottom:615px;letter-spacing:0.42px;display:inline;\">1,190 </div><div class=\"t sc_93\" id=\"t3i_93\" style=\"left:957px;bottom:615px;letter-spacing:0.09px;display:inline;\">17 </div><div class=\"t sd_93\" id=\"t3j_93\" style=\"left:1029px;bottom:615px;letter-spacing:0.05px;display:inline;\">471 </div><div class=\"t se_93\" id=\"t3k_93\" style=\"left:1119px;bottom:615px;display:inline;\">\u2013 </div>\n<div class=\"t sb_93\" id=\"t3l_93\" style=\"left:626px;bottom:593px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t3m_93\" style=\"left:863px;bottom:593px;letter-spacing:0.29px;display:inline;\">8,321 </div><div class=\"t sc_93\" id=\"t3n_93\" style=\"left:941px;bottom:593px;letter-spacing:0.28px;display:inline;\">1,076 </div><div class=\"t sd_93\" id=\"t3o_93\" style=\"left:1013px;bottom:593px;letter-spacing:0.28px;display:inline;\">15,963 </div><div class=\"t sd_93\" id=\"t3p_93\" style=\"left:1107px;bottom:593px;letter-spacing:0.2px;display:inline;\">579 </div>\n<div class=\"t s4_93\" id=\"t3q_93\" style=\"left:626px;bottom:571px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">Total segment assets and liabilities </div><div class=\"t sc_93\" id=\"t3r_93\" style=\"left:856px;bottom:571px;letter-spacing:0.32px;display:inline;\">46,609 </div><div class=\"t sc_93\" id=\"t3s_93\" style=\"left:934px;bottom:571px;letter-spacing:0.23px;display:inline;\">15,631 </div><div class=\"t sd_93\" id=\"t3t_93\" style=\"left:1014px;bottom:571px;letter-spacing:0.03px;display:inline;\">57,604 </div><div class=\"t sd_93\" id=\"t3u_93\" style=\"left:1091px;bottom:571px;letter-spacing:0.2px;display:inline;\">16,323 </div>\n<div class=\"t sh_93\" id=\"t3v_93\" style=\"left:621px;bottom:545px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Other assets comprise mostly of goodwill, intangible assets, and assets associated with </div>\n<div class=\"t sh_93\" id=\"t3w_93\" style=\"left:621px;bottom:527px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">the sale of e-vouchers through the platform. Other liabilities comprise mostly of liabilities </div>\n<div class=\"t sh_93\" id=\"t3x_93\" style=\"left:621px;bottom:508px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">associated with the sale of e-vouchers. </div>\n<div class=\"t s8_93\" id=\"t3y_93\" style=\"left:621px;bottom:474px;letter-spacing:0.21px;word-spacing:1.43px;display:inline;\">5a Further segmental analysis </div>\n<div class=\"t sh_93\" id=\"t3z_93\" style=\"left:621px;bottom:453px;letter-spacing:-0.43px;word-spacing:0.02px;display:inline;\">The following note provides additional analysis on Group segmental income and expenditure. </div>\n<div class=\"t si_93\" id=\"t40_93\" style=\"left:621px;bottom:423px;word-spacing:-0.12px;display:inline;\">Employee benefits and services income </div>\n<div class=\"t sa_93\" id=\"t41_93\" style=\"left:1018px;bottom:394px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"t42_93\" style=\"left:1014px;bottom:378px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t43_93\" style=\"left:1098px;bottom:394px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"t44_93\" style=\"left:1092px;bottom:378px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_93\" id=\"t45_93\" style=\"left:626px;bottom:354px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"t46_93\" style=\"left:1012px;bottom:354px;letter-spacing:0.34px;display:inline;\">16,800 </div><div class=\"t sd_93\" id=\"t47_93\" style=\"left:1091px;bottom:354px;letter-spacing:0.22px;display:inline;\">18,214 </div>\n<div class=\"t sb_93\" id=\"t48_93\" style=\"left:626px;bottom:327px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s4_93\" id=\"t49_93\" style=\"left:1019px;bottom:327px;letter-spacing:0.15px;display:inline;\">7,446 </div><div class=\"t sd_93\" id=\"t4a_93\" style=\"left:1098px;bottom:327px;letter-spacing:0.09px;display:inline;\">6,051 </div>\n<div class=\"t sb_93\" id=\"t4b_93\" style=\"left:626px;bottom:301px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform Group elimination* </div><div class=\"t sc_93\" id=\"t4c_93\" style=\"left:1015px;bottom:301px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"t4d_93\" style=\"left:1095px;bottom:301px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t sb_93\" id=\"t4e_93\" style=\"left:626px;bottom:275px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"t4f_93\" style=\"left:1018px;bottom:275px;letter-spacing:0.38px;display:inline;\">2,008 </div><div class=\"t sd_93\" id=\"t4g_93\" style=\"left:1097px;bottom:275px;letter-spacing:0.31px;display:inline;\">1,236 </div>\n<div class=\"t s4_93\" id=\"t4h_93\" style=\"left:626px;bottom:248px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Total employee benefits and service income </div><div class=\"t sc_93\" id=\"t4i_93\" style=\"left:1012px;bottom:248px;letter-spacing:0.22px;display:inline;\">23,627 </div><div class=\"t sd_93\" id=\"t4j_93\" style=\"left:1091px;bottom:248px;letter-spacing:0.14px;display:inline;\">22,753 </div>\n<div class=\"t si_93\" id=\"t4k_93\" style=\"left:621px;bottom:208px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Insurance operating expenses </div>\n<div class=\"t sa_93\" id=\"t4l_93\" style=\"left:1018px;bottom:182px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"t4m_93\" style=\"left:1014px;bottom:166px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t4n_93\" style=\"left:1098px;bottom:182px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"t4o_93\" style=\"left:1092px;bottom:166px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_93\" id=\"t4p_93\" style=\"left:626px;bottom:144px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Operating expenses </div><div class=\"t sc_93\" id=\"t4q_93\" style=\"left:1019px;bottom:144px;letter-spacing:0.32px;display:inline;\">9,246 </div><div class=\"t sd_93\" id=\"t4r_93\" style=\"left:1098px;bottom:144px;letter-spacing:-0.03px;display:inline;\">7,608 </div>\n<div class=\"t sb_93\" id=\"t4s_93\" style=\"left:626px;bottom:122px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Group elimination* </div><div class=\"t sc_93\" id=\"t4t_93\" style=\"left:1015px;bottom:122px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"t4u_93\" style=\"left:1095px;bottom:122px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t s4_93\" id=\"t4v_93\" style=\"left:626px;bottom:99px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Total insurance operating expenses </div><div class=\"t sc_93\" id=\"t4w_93\" style=\"left:1019px;bottom:99px;letter-spacing:0.22px;display:inline;\">6,619 </div><div class=\"t sd_93\" id=\"t4x_93\" style=\"left:1097px;bottom:99px;letter-spacing:0.28px;display:inline;\">4,860 </div>\n<div class=\"t sf_93\" id=\"t4y_93\" style=\"left:621px;bottom:68px;display:inline;\">* </div><div class=\"t sf_93\" id=\"t4z_93\" style=\"left:634px;bottom:68px;letter-spacing:0.04px;word-spacing:-0.17px;display:inline;\">In order to properly assess the segments individually, this Group elimination apportions at arm\u2019s length value to </div>\n<div class=\"t sf_93\" id=\"t50_93\" style=\"left:634px;bottom:56px;letter-spacing:0.05px;word-spacing:-0.18px;display:inline;\">platform sales offered at a discount in return for insurance selling opportunities at corporate clients. This value </div>\n<div class=\"t sf_93\" id=\"t51_93\" style=\"left:634px;bottom:43px;letter-spacing:0.05px;word-spacing:-0.18px;display:inline;\">is then added to Benefits Platform income and Insurance Operating expenses before being eliminated\u00a0out. </div><div></div><div class=\"t s3_94\" id=\"t3_94\" style=\"left:74px;bottom:745px;word-spacing:-0.13px;display:inline;\">Employee benefits and services expenses </div>\n<div class=\"t s4_94\" id=\"t4_94\" style=\"left:267px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t s4_94\" id=\"t5_94\" style=\"left:471px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t6_94\" style=\"left:194px;bottom:695px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Cost of </div>\n<div class=\"t s4_94\" id=\"t7_94\" style=\"left:207px;bottom:679px;letter-spacing:-0.01px;display:inline;\">sales </div>\n<div class=\"t s4_94\" id=\"t8_94\" style=\"left:202px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t9_94\" style=\"left:245px;bottom:695px;letter-spacing:-0.02px;display:inline;\">Operating </div>\n<div class=\"t s4_94\" id=\"ta_94\" style=\"left:251px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"tb_94\" style=\"left:271px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"tc_94\" style=\"left:345px;bottom:695px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s4_94\" id=\"td_94\" style=\"left:320px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"te_94\" style=\"left:340px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"tf_94\" style=\"left:398px;bottom:695px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Cost of </div>\n<div class=\"t s4_94\" id=\"tg_94\" style=\"left:410px;bottom:679px;letter-spacing:-0.01px;display:inline;\">sales </div>\n<div class=\"t s4_94\" id=\"th_94\" style=\"left:405px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"ti_94\" style=\"left:449px;bottom:695px;letter-spacing:-0.02px;display:inline;\">Operating </div>\n<div class=\"t s4_94\" id=\"tj_94\" style=\"left:455px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"tk_94\" style=\"left:474px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"tl_94\" style=\"left:548px;bottom:695px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s4_94\" id=\"tm_94\" style=\"left:524px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"tn_94\" style=\"left:544px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"to_94\" style=\"left:78px;bottom:641px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Other Owned </div>\n<div class=\"t s5_94\" id=\"tp_94\" style=\"left:78px;bottom:624px;letter-spacing:0.1px;display:inline;\">Benefits </div><div class=\"t s6_94\" id=\"tq_94\" style=\"left:200px;bottom:624px;letter-spacing:0.41px;display:inline;\">14,502 </div><div class=\"t s6_94\" id=\"tr_94\" style=\"left:276px;bottom:624px;letter-spacing:0.29px;display:inline;\">1,639 </div><div class=\"t s6_94\" id=\"ts_94\" style=\"left:338px;bottom:624px;letter-spacing:0.34px;display:inline;\">16,141 </div><div class=\"t s7_94\" id=\"tt_94\" style=\"left:404px;bottom:624px;letter-spacing:0.24px;display:inline;\">15,818 </div><div class=\"t s7_94\" id=\"tu_94\" style=\"left:480px;bottom:624px;letter-spacing:0.27px;display:inline;\">1,666 </div><div class=\"t s7_94\" id=\"tv_94\" style=\"left:544px;bottom:624px;letter-spacing:0.04px;display:inline;\">17,484 </div>\n<div class=\"t s5_94\" id=\"tw_94\" style=\"left:78px;bottom:602px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s6_94\" id=\"tx_94\" style=\"left:206px;bottom:602px;letter-spacing:0.4px;display:inline;\">1,590 </div><div class=\"t s6_94\" id=\"ty_94\" style=\"left:276px;bottom:602px;letter-spacing:0.38px;display:inline;\">2,992 </div><div class=\"t s6_94\" id=\"tz_94\" style=\"left:345px;bottom:602px;letter-spacing:0.35px;display:inline;\">4,582 </div><div class=\"t s7_94\" id=\"t10_94\" style=\"left:411px;bottom:602px;letter-spacing:0.28px;display:inline;\">1,106 </div><div class=\"t s7_94\" id=\"t11_94\" style=\"left:480px;bottom:602px;letter-spacing:0.24px;display:inline;\">2,847 </div><div class=\"t s7_94\" id=\"t12_94\" style=\"left:550px;bottom:602px;letter-spacing:0.17px;display:inline;\">3,953 </div>\n<div class=\"t s5_94\" id=\"t13_94\" style=\"left:78px;bottom:579px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t s6_94\" id=\"t14_94\" style=\"left:223px;bottom:579px;letter-spacing:0.31px;display:inline;\">29 </div><div class=\"t s6_94\" id=\"t15_94\" style=\"left:275px;bottom:579px;letter-spacing:0.46px;display:inline;\">1,484 </div><div class=\"t s6_94\" id=\"t16_94\" style=\"left:345px;bottom:579px;letter-spacing:0.4px;display:inline;\">1,513 </div><div class=\"t s7_94\" id=\"t17_94\" style=\"left:433px;bottom:579px;display:inline;\">\u2013 </div><div class=\"t s7_94\" id=\"t18_94\" style=\"left:490px;bottom:579px;letter-spacing:0.08px;display:inline;\">933 </div><div class=\"t s7_94\" id=\"t19_94\" style=\"left:559px;bottom:579px;letter-spacing:0.08px;display:inline;\">933 </div>\n<div class=\"t s8_94\" id=\"t1a_94\" style=\"left:78px;bottom:557px;word-spacing:0.1px;display:inline;\">Total employee </div>\n<div class=\"t s8_94\" id=\"t1b_94\" style=\"left:78px;bottom:540px;letter-spacing:0.1px;display:inline;\">benefits and </div>\n<div class=\"t s8_94\" id=\"t1c_94\" style=\"left:78px;bottom:522px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">services expenses </div><div class=\"t s6_94\" id=\"t1d_94\" style=\"left:200px;bottom:522px;letter-spacing:0.3px;display:inline;\">16,121 </div><div class=\"t s6_94\" id=\"t1e_94\" style=\"left:276px;bottom:522px;letter-spacing:0.35px;display:inline;\">6,115 </div><div class=\"t s6_94\" id=\"t1f_94\" style=\"left:338px;bottom:522px;letter-spacing:0.36px;display:inline;\">22,236 </div><div class=\"t s7_94\" id=\"t1g_94\" style=\"left:405px;bottom:522px;letter-spacing:0.15px;display:inline;\">16,924 </div><div class=\"t s7_94\" id=\"t1h_94\" style=\"left:480px;bottom:522px;letter-spacing:0.3px;display:inline;\">5,446 </div><div class=\"t s7_94\" id=\"t1i_94\" style=\"left:543px;bottom:522px;letter-spacing:0.2px;display:inline;\">22,370 </div>\n<div class=\"t s3_94\" id=\"t1j_94\" style=\"left:74px;bottom:484px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">Gross transactional value </div>\n<div class=\"t s9_94\" id=\"t1k_94\" style=\"left:74px;bottom:462px;letter-spacing:-0.18px;word-spacing:-0.09px;display:inline;\">Gross transactional value represents the total value of revenue generated from both </div>\n<div class=\"t s9_94\" id=\"t1l_94\" style=\"left:74px;bottom:444px;letter-spacing:-0.17px;word-spacing:-0.06px;display:inline;\">principal and agency arrangements. Gross transactional value from the sale of goods </div>\n<div class=\"t s9_94\" id=\"t1m_94\" style=\"left:74px;bottom:425px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">and vouchers is recognised at the net value when significant risks and rewards of </div>\n<div class=\"t s9_94\" id=\"t1n_94\" style=\"left:74px;bottom:407px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">ownership of the goods and vouchers have been passed to the buyer, usually on </div>\n<div class=\"t s9_94\" id=\"t1o_94\" style=\"left:74px;bottom:389px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">the dispatch of the goods and vouchers. The Company is considered to be an agent </div>\n<div class=\"t sa_94\" id=\"t1p_94\" style=\"left:74px;bottom:370px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">for voucher sales of \u00a33,677,000 (2021: \u00a36,668,000) of the total transaction value of </div>\n<div class=\"t sa_94\" id=\"t1q_94\" style=\"left:74px;bottom:352px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">\u00a340,830,000 (2021: \u00a333,096,000). </div>\n<div class=\"t s4_94\" id=\"t1r_94\" style=\"left:453px;bottom:316px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t1s_94\" style=\"left:449px;bottom:300px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t1t_94\" style=\"left:550px;bottom:316px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t1u_94\" style=\"left:544px;bottom:300px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t1v_94\" style=\"left:78px;bottom:278px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Voucher revenue recognised as principal </div><div class=\"t s6_94\" id=\"t1w_94\" style=\"left:448px;bottom:278px;letter-spacing:0.12px;display:inline;\">37,153 </div><div class=\"t s7_94\" id=\"t1x_94\" style=\"left:543px;bottom:278px;letter-spacing:0.15px;display:inline;\">26,428 </div>\n<div class=\"t s5_94\" id=\"t1y_94\" style=\"left:78px;bottom:256px;letter-spacing:0.06px;word-spacing:0.02px;display:inline;\">Voucher resale for revenue recognised as agency </div><div class=\"t s8_94\" id=\"t1z_94\" style=\"left:454px;bottom:256px;letter-spacing:0.22px;display:inline;\">3,677 </div><div class=\"t s7_94\" id=\"t20_94\" style=\"left:549px;bottom:256px;letter-spacing:0.21px;display:inline;\">6,668 </div>\n<div class=\"t s8_94\" id=\"t21_94\" style=\"left:78px;bottom:234px;letter-spacing:0.08px;word-spacing:-0.21px;display:inline;\">Gross transactional value </div><div class=\"t s6_94\" id=\"t22_94\" style=\"left:447px;bottom:234px;letter-spacing:0.29px;display:inline;\">40,830 </div><div class=\"t s7_94\" id=\"t23_94\" style=\"left:543px;bottom:234px;letter-spacing:0.22px;display:inline;\">33,096 </div>\n<div class=\"t sb_94\" id=\"t24_94\" style=\"left:74px;bottom:192px;letter-spacing:0.18px;word-spacing:2.22px;display:inline;\">6 Investment income </div>\n<div class=\"t s4_94\" id=\"t25_94\" style=\"left:453px;bottom:166px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t26_94\" style=\"left:449px;bottom:150px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t27_94\" style=\"left:550px;bottom:166px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t28_94\" style=\"left:544px;bottom:150px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t29_94\" style=\"left:78px;bottom:128px;letter-spacing:0.09px;word-spacing:-0.01px;display:inline;\">Interest income from cash on deposit </div><div class=\"t s6_94\" id=\"t2a_94\" style=\"left:463px;bottom:128px;letter-spacing:0.42px;display:inline;\">145 </div><div class=\"t s7_94\" id=\"t2b_94\" style=\"left:565px;bottom:128px;letter-spacing:0.36px;display:inline;\">23 </div>\n<div class=\"t s8_94\" id=\"t2c_94\" style=\"left:78px;bottom:106px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Total investment income </div><div class=\"t s6_94\" id=\"t2d_94\" style=\"left:463px;bottom:106px;letter-spacing:0.42px;display:inline;\">145 </div><div class=\"t s7_94\" id=\"t2e_94\" style=\"left:565px;bottom:106px;letter-spacing:0.36px;display:inline;\">23 </div>\n<div class=\"t sb_94\" id=\"t2f_94\" style=\"left:621px;bottom:765px;letter-spacing:0.21px;word-spacing:2.18px;display:inline;\">7 Claims incurred </div>\n<div class=\"t s4_94\" id=\"t2g_94\" style=\"left:1001px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t2h_94\" style=\"left:996px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t2i_94\" style=\"left:1098px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t2j_94\" style=\"left:1092px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t2k_94\" style=\"left:626px;bottom:701px;letter-spacing:0.1px;display:inline;\">Claims paid </div><div class=\"t s6_94\" id=\"t2l_94\" style=\"left:1001px;bottom:701px;letter-spacing:0.26px;display:inline;\">6,353 </div><div class=\"t s7_94\" id=\"t2m_94\" style=\"left:1097px;bottom:701px;letter-spacing:0.31px;display:inline;\">5,884 </div>\n<div class=\"t s5_94\" id=\"t2n_94\" style=\"left:626px;bottom:679px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Reinsurers\u2019 share of claims paid </div><div class=\"t s8_94\" id=\"t2o_94\" style=\"left:1014px;bottom:679px;letter-spacing:0.23px;display:inline;\">(66) </div><div class=\"t s7_94\" id=\"t2p_94\" style=\"left:1110px;bottom:679px;letter-spacing:0.08px;display:inline;\">(63) </div>\n<div class=\"t s5_94\" id=\"t2q_94\" style=\"left:626px;bottom:657px;letter-spacing:0.1px;display:inline;\">Claims handling expenses paid </div><div class=\"t s6_94\" id=\"t2r_94\" style=\"left:1011px;bottom:657px;letter-spacing:0.21px;display:inline;\">570 </div><div class=\"t s7_94\" id=\"t2s_94\" style=\"left:1107px;bottom:657px;letter-spacing:0.26px;display:inline;\">542 </div>\n<div class=\"t s6_94\" id=\"t2t_94\" style=\"left:1001px;bottom:635px;letter-spacing:0.25px;display:inline;\">6,857 </div><div class=\"t s7_94\" id=\"t2u_94\" style=\"left:1097px;bottom:635px;letter-spacing:0.22px;display:inline;\">6,363 </div>\n<div class=\"t s5_94\" id=\"t2v_94\" style=\"left:626px;bottom:613px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Increase in claims provision </div><div class=\"t s6_94\" id=\"t2w_94\" style=\"left:1011px;bottom:613px;letter-spacing:0.32px;display:inline;\">132 </div><div class=\"t s7_94\" id=\"t2x_94\" style=\"left:1104px;bottom:613px;letter-spacing:0.12px;display:inline;\">(275) </div>\n<div class=\"t s5_94\" id=\"t2y_94\" style=\"left:626px;bottom:590px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Reinsurers\u2019 share of movements in claims provision </div><div class=\"t s6_94\" id=\"t2z_94\" style=\"left:1024px;bottom:590px;display:inline;\">1 </div><div class=\"t s7_94\" id=\"t30_94\" style=\"left:1110px;bottom:590px;letter-spacing:0.18px;display:inline;\">(39) </div>\n<div class=\"t s6_94\" id=\"t31_94\" style=\"left:1011px;bottom:568px;letter-spacing:0.28px;display:inline;\">133 </div><div class=\"t s7_94\" id=\"t32_94\" style=\"left:1103px;bottom:568px;letter-spacing:0.23px;display:inline;\">(358) </div>\n<div class=\"t s8_94\" id=\"t33_94\" style=\"left:626px;bottom:546px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Total claims incurred </div><div class=\"t s6_94\" id=\"t34_94\" style=\"left:1001px;bottom:546px;letter-spacing:0.33px;display:inline;\">6,990 </div><div class=\"t s7_94\" id=\"t35_94\" style=\"left:1097px;bottom:546px;letter-spacing:0.2px;display:inline;\">6,049 </div>\n<div class=\"t s1_94\" id=\"t36_94\" style=\"left:621px;bottom:504px;letter-spacing:0.2px;word-spacing:1.43px;display:inline;\">8 Insurance operating expenses </div>\n<div class=\"t s4_94\" id=\"t37_94\" style=\"left:1001px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t38_94\" style=\"left:996px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t39_94\" style=\"left:1098px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t3a_94\" style=\"left:1092px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t3b_94\" style=\"left:626px;bottom:424px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Incurred acquisition costs </div><div class=\"t s6_94\" id=\"t3c_94\" style=\"left:1002px;bottom:424px;letter-spacing:0.21px;display:inline;\">5,078 </div><div class=\"t sc_94\" id=\"t3d_94\" style=\"left:1097px;bottom:424px;letter-spacing:0.22px;display:inline;\">3,472 </div>\n<div class=\"t s5_94\" id=\"t3e_94\" style=\"left:626px;bottom:402px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Administration expenses </div><div class=\"t s6_94\" id=\"t3f_94\" style=\"left:1001px;bottom:402px;letter-spacing:0.42px;display:inline;\">1,541 </div><div class=\"t sc_94\" id=\"t3g_94\" style=\"left:1096px;bottom:402px;letter-spacing:0.49px;display:inline;\">1,388 </div>\n<div class=\"t s8_94\" id=\"t3h_94\" style=\"left:626px;bottom:380px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Total Insurance operating expenses </div><div class=\"t s6_94\" id=\"t3i_94\" style=\"left:1002px;bottom:380px;letter-spacing:0.22px;display:inline;\">6,619 </div><div class=\"t sc_94\" id=\"t3j_94\" style=\"left:1097px;bottom:380px;letter-spacing:0.42px;display:inline;\">4,860 </div>\n<div class=\"t sa_94\" id=\"t3k_94\" style=\"left:621px;bottom:341px;letter-spacing:-0.07px;display:inline;\">Total commission incurred during the year in respect of direct insurance was \u00a31,107,000 </div>\n<div class=\"t sa_94\" id=\"t3l_94\" style=\"left:621px;bottom:323px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">(2021: \u00a3762,000). </div>\n<div class=\"t sf_94\" id=\"t3o_94\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"> </div>\n<div class=\"t s8_94\" id=\"t3p_94\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s8_94\" id=\"t3q_94\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t sg_94\" id=\"t3r_94\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t sg_94\" id=\"t3s_94\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t sg_94\" id=\"t3t_94\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t sg_94\" id=\"t3u_94\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t sh_94\" id=\"t3v_94\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t si_94\" id=\"t3w_94\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div><div></div><div class=\"t s1_95\" id=\"t1_95\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_95\" id=\"t2_95\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_95\" id=\"t3_95\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_95\" id=\"t4_95\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_95\" id=\"t5_95\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_95\" id=\"t6_95\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_95\" id=\"t7_95\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_95\" id=\"t8_95\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_95\" id=\"t9_95\" style=\"left:1103px;bottom:878px;letter-spacing:-0.29px;display:inline;\"></div>\n<div class=\"t s8_95\" id=\"tc_95\" style=\"left:74px;bottom:765px;letter-spacing:0.2px;word-spacing:1.07px;display:inline;\">9 Directors\u2019 and employees\u2019 remuneration </div>\n<div class=\"t s9_95\" id=\"td_95\" style=\"left:74px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">a) Staff costs (excluding Non-Executive Directors\u2019 fees) during the year </div>\n<div class=\"t s9_95\" id=\"te_95\" style=\"left:88px;bottom:728px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">were as follows: </div>\n<div class=\"t sa_95\" id=\"tf_95\" style=\"left:453px;bottom:701px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"tg_95\" style=\"left:449px;bottom:685px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"th_95\" style=\"left:550px;bottom:701px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"ti_95\" style=\"left:544px;bottom:685px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_95\" id=\"tj_95\" style=\"left:78px;bottom:663px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Wages and salaries </div><div class=\"t sc_95\" id=\"tk_95\" style=\"left:446px;bottom:663px;letter-spacing:0.39px;display:inline;\">11,289 </div><div class=\"t sd_95\" id=\"tl_95\" style=\"left:543px;bottom:663px;letter-spacing:0.27px;display:inline;\">11,151 </div>\n<div class=\"t sb_95\" id=\"tm_95\" style=\"left:78px;bottom:641px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share-based payments expense </div><div class=\"t sc_95\" id=\"tn_95\" style=\"left:464px;bottom:641px;letter-spacing:0.24px;display:inline;\">291 </div><div class=\"t se_95\" id=\"to_95\" style=\"left:559px;bottom:641px;letter-spacing:0.18px;display:inline;\">169 </div>\n<div class=\"t sb_95\" id=\"tp_95\" style=\"left:78px;bottom:619px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Social security costs </div><div class=\"t sc_95\" id=\"tq_95\" style=\"left:453px;bottom:619px;letter-spacing:0.39px;display:inline;\">1,450 </div><div class=\"t se_95\" id=\"tr_95\" style=\"left:549px;bottom:619px;letter-spacing:0.2px;display:inline;\">1,278 </div>\n<div class=\"t sb_95\" id=\"ts_95\" style=\"left:78px;bottom:597px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Other pension costs </div><div class=\"t sc_95\" id=\"tt_95\" style=\"left:463px;bottom:597px;letter-spacing:0.27px;display:inline;\">561 </div><div class=\"t se_95\" id=\"tu_95\" style=\"left:558px;bottom:597px;letter-spacing:0.47px;display:inline;\">504 </div>\n<div class=\"t s4_95\" id=\"tv_95\" style=\"left:78px;bottom:575px;letter-spacing:0.01px;word-spacing:0.08px;display:inline;\">Total staff costs </div><div class=\"t sc_95\" id=\"tw_95\" style=\"left:447px;bottom:575px;letter-spacing:0.28px;display:inline;\">13,591 </div><div class=\"t se_95\" id=\"tx_95\" style=\"left:543px;bottom:575px;letter-spacing:0.24px;display:inline;\">13,102 </div>\n<div class=\"t sf_95\" id=\"ty_95\" style=\"left:74px;bottom:536px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">During the year the Group received \u00a3nil from the job retention scheme (2021: \u00a3126,000). </div>\n<div class=\"t sg_95\" id=\"tz_95\" style=\"left:74px;bottom:517px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These government grants have been offset against the salary costs in the table above. </div>\n<div class=\"t sg_95\" id=\"t10_95\" style=\"left:74px;bottom:486px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">Average number of employees through the year was as follows: </div>\n<div class=\"t sa_95\" id=\"t11_95\" style=\"left:453px;bottom:450px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t12_95\" style=\"left:435px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sa_95\" id=\"t13_95\" style=\"left:550px;bottom:450px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t14_95\" style=\"left:530px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sb_95\" id=\"t15_95\" style=\"left:78px;bottom:412px;letter-spacing:0.09px;display:inline;\">Administration </div><div class=\"t sc_95\" id=\"t16_95\" style=\"left:464px;bottom:412px;letter-spacing:0.25px;display:inline;\">161 </div><div class=\"t se_95\" id=\"t17_95\" style=\"left:559px;bottom:412px;letter-spacing:0.27px;display:inline;\">160 </div>\n<div class=\"t sb_95\" id=\"t18_95\" style=\"left:78px;bottom:390px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Sales and marketing </div><div class=\"t sc_95\" id=\"t19_95\" style=\"left:464px;bottom:390px;letter-spacing:0.27px;display:inline;\">101 </div><div class=\"t se_95\" id=\"t1a_95\" style=\"left:565px;bottom:390px;letter-spacing:0.34px;display:inline;\">73 </div>\n<div class=\"t s4_95\" id=\"t1b_95\" style=\"left:78px;bottom:368px;letter-spacing:0.03px;word-spacing:0.08px;display:inline;\">Total number of employees </div><div class=\"t sc_95\" id=\"t1c_95\" style=\"left:464px;bottom:368px;letter-spacing:0.24px;display:inline;\">262 </div><div class=\"t se_95\" id=\"t1d_95\" style=\"left:559px;bottom:368px;letter-spacing:0.25px;display:inline;\">233 </div>\n<div class=\"t s9_95\" id=\"t1e_95\" style=\"left:74px;bottom:330px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">b) Directors\u2019 remuneration: </div>\n<div class=\"t sa_95\" id=\"t1f_95\" style=\"left:453px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t1g_95\" style=\"left:449px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t1h_95\" style=\"left:550px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t1i_95\" style=\"left:544px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_95\" id=\"t1j_95\" style=\"left:78px;bottom:265px;letter-spacing:0.12px;display:inline;\">Emoluments </div><div class=\"t sc_95\" id=\"t1k_95\" style=\"left:464px;bottom:265px;letter-spacing:0.21px;display:inline;\">916 </div><div class=\"t se_95\" id=\"t1l_95\" style=\"left:549px;bottom:265px;letter-spacing:0.2px;display:inline;\">1,024 </div>\n<div class=\"t sb_95\" id=\"t1m_95\" style=\"left:78px;bottom:243px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Amounts paid to third parties in respect of Directors\u2019 </div>\n<div class=\"t sb_95\" id=\"t1n_95\" style=\"left:78px;bottom:226px;letter-spacing:0.09px;display:inline;\">services </div><div class=\"t s4_95\" id=\"t1o_95\" style=\"left:476px;bottom:226px;display:inline;\">\u2013 </div><div class=\"t se_95\" id=\"t1p_95\" style=\"left:565px;bottom:226px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sb_95\" id=\"t1q_95\" style=\"left:78px;bottom:204px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t1r_95\" style=\"left:470px;bottom:204px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sh_95\" id=\"t1s_95\" style=\"left:572px;bottom:204px;display:inline;\">\u2013 </div>\n<div class=\"t sb_95\" id=\"t1t_95\" style=\"left:78px;bottom:181px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">Pension contributions to Group and self-invested </div>\n<div class=\"t sb_95\" id=\"t1u_95\" style=\"left:78px;bottom:164px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">personal pension schemes </div><div class=\"t sc_95\" id=\"t1v_95\" style=\"left:470px;bottom:164px;letter-spacing:0.31px;display:inline;\">29 </div><div class=\"t se_95\" id=\"t1w_95\" style=\"left:565px;bottom:164px;letter-spacing:0.26px;display:inline;\">26 </div>\n<div class=\"t s4_95\" id=\"t1x_95\" style=\"left:78px;bottom:142px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Total Director\u2019s remuneration </div><div class=\"t sc_95\" id=\"t1y_95\" style=\"left:453px;bottom:142px;letter-spacing:0.4px;display:inline;\">1,024 </div><div class=\"t se_95\" id=\"t1z_95\" style=\"left:549px;bottom:142px;letter-spacing:0.23px;display:inline;\">1,062 </div>\n<div class=\"t sf_95\" id=\"t20_95\" style=\"left:74px;bottom:103px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">During the year, three Directors (2021: three Directors) participated in Group and </div>\n<div class=\"t sg_95\" id=\"t21_95\" style=\"left:74px;bottom:84px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">self-invested personal pension schemes. </div>\n<div class=\"t sg_95\" id=\"t22_95\" style=\"left:621px;bottom:768px;letter-spacing:-0.03px;display:inline;\">The amounts set out above include remuneration in respect of the highest paid Director </div>\n<div class=\"t sg_95\" id=\"t23_95\" style=\"left:621px;bottom:750px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">as follows. All emoluments relate to payments made by subsidiary undertakings. </div>\n<div class=\"t sa_95\" id=\"t24_95\" style=\"left:1001px;bottom:714px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t25_95\" style=\"left:996px;bottom:698px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t26_95\" style=\"left:1098px;bottom:714px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t27_95\" style=\"left:1092px;bottom:698px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_95\" id=\"t28_95\" style=\"left:626px;bottom:676px;letter-spacing:0.12px;display:inline;\">Emoluments </div><div class=\"t sc_95\" id=\"t29_95\" style=\"left:1012px;bottom:676px;letter-spacing:0.18px;display:inline;\">332 </div><div class=\"t sh_95\" id=\"t2a_95\" style=\"left:1107px;bottom:676px;letter-spacing:0.1px;display:inline;\">416 </div>\n<div class=\"t sb_95\" id=\"t2b_95\" style=\"left:626px;bottom:654px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t2c_95\" style=\"left:1018px;bottom:654px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sh_95\" id=\"t2d_95\" style=\"left:1119px;bottom:654px;display:inline;\">\u2013 </div>\n<div class=\"t sb_95\" id=\"t2e_95\" style=\"left:626px;bottom:632px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">Pension contributions to Group and self-invested </div>\n<div class=\"t sb_95\" id=\"t2f_95\" style=\"left:626px;bottom:614px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">personal pension schemes </div><div class=\"t sc_95\" id=\"t2g_95\" style=\"left:1018px;bottom:614px;letter-spacing:0.33px;display:inline;\">10 </div><div class=\"t sh_95\" id=\"t2h_95\" style=\"left:1113px;bottom:614px;letter-spacing:0.25px;display:inline;\">10 </div>\n<div class=\"t s4_95\" id=\"t2i_95\" style=\"left:626px;bottom:592px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sc_95\" id=\"t2j_95\" style=\"left:1011px;bottom:592px;letter-spacing:0.28px;display:inline;\">421 </div><div class=\"t sh_95\" id=\"t2k_95\" style=\"left:1107px;bottom:592px;letter-spacing:0.28px;display:inline;\">426 </div>\n<div class=\"t sg_95\" id=\"t2l_95\" style=\"left:621px;bottom:553px;letter-spacing:-0.23px;word-spacing:0.01px;display:inline;\">Details of individual Director\u2019s remuneration are given in the Remuneration Report on pages </div>\n<div class=\"t sf_95\" id=\"t2m_95\" style=\"left:621px;bottom:533px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">54 to 57. The Company does not incur employee remuneration. </div>\n<div class=\"t sg_95\" id=\"t2n_95\" style=\"left:621px;bottom:502px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">Key management of the Group are the Directors of Personal Group Holdings Plc together </div>\n<div class=\"t sg_95\" id=\"t2o_95\" style=\"left:621px;bottom:483px;letter-spacing:-0.31px;word-spacing:-0.03px;display:inline;\">with the members of the Senior Leadership Team. Key management personnel remuneration </div>\n<div class=\"t sg_95\" id=\"t2p_95\" style=\"left:621px;bottom:465px;letter-spacing:-0.02px;word-spacing:-0.12px;display:inline;\">includes the following expenses: </div>\n<div class=\"t sa_95\" id=\"t2q_95\" style=\"left:1001px;bottom:429px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t2r_95\" style=\"left:996px;bottom:413px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t2s_95\" style=\"left:1098px;bottom:429px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t2t_95\" style=\"left:1092px;bottom:413px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_95\" id=\"t2u_95\" style=\"left:626px;bottom:391px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Short-term employee benefits: </div>\n<div class=\"t sb_95\" id=\"t2v_95\" style=\"left:626px;bottom:369px;letter-spacing:0.1px;display:inline;\">Salaries including bonuses </div><div class=\"t sc_95\" id=\"t2w_95\" style=\"left:1001px;bottom:369px;letter-spacing:0.42px;display:inline;\">1,443 </div><div class=\"t se_95\" id=\"t2x_95\" style=\"left:1097px;bottom:369px;letter-spacing:0.16px;display:inline;\">2,052 </div>\n<div class=\"t sb_95\" id=\"t2y_95\" style=\"left:626px;bottom:347px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Social security costs </div><div class=\"t sc_95\" id=\"t2z_95\" style=\"left:1011px;bottom:347px;letter-spacing:0.36px;display:inline;\">199 </div><div class=\"t se_95\" id=\"t30_95\" style=\"left:1107px;bottom:347px;letter-spacing:0.24px;display:inline;\">283 </div>\n<div class=\"t sb_95\" id=\"t31_95\" style=\"left:626px;bottom:325px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t32_95\" style=\"left:1018px;bottom:325px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sd_95\" id=\"t33_95\" style=\"left:1119px;bottom:325px;display:inline;\">\u2013 </div>\n<div class=\"t sc_95\" id=\"t34_95\" style=\"left:1001px;bottom:303px;letter-spacing:0.28px;display:inline;\">1,721 </div><div class=\"t se_95\" id=\"t35_95\" style=\"left:1097px;bottom:303px;letter-spacing:0.21px;display:inline;\">2,335 </div>\n<div class=\"t s4_95\" id=\"t36_95\" style=\"left:626px;bottom:281px;letter-spacing:0.11px;word-spacing:0.01px;display:inline;\">Post-employment benefits: </div>\n<div class=\"t sb_95\" id=\"t37_95\" style=\"left:626px;bottom:258px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Defined contribution pension plans </div><div class=\"t sc_95\" id=\"t38_95\" style=\"left:1018px;bottom:258px;letter-spacing:0.22px;display:inline;\">62 </div><div class=\"t sd_95\" id=\"t39_95\" style=\"left:1113px;bottom:258px;letter-spacing:0.42px;display:inline;\">66 </div>\n<div class=\"t s4_95\" id=\"t3a_95\" style=\"left:626px;bottom:236px;letter-spacing:0.04px;word-spacing:0.07px;display:inline;\">Total remuneration </div><div class=\"t sc_95\" id=\"t3b_95\" style=\"left:1001px;bottom:236px;letter-spacing:0.27px;display:inline;\">1,783 </div><div class=\"t se_95\" id=\"t3c_95\" style=\"left:1097px;bottom:236px;letter-spacing:0.27px;display:inline;\">2,401 </div><div></div><div class=\"t s1_96\" id=\"t1_96\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_96\" id=\"t2_96\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_96\" id=\"t3_96\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_96\" id=\"t4_96\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_96\" id=\"t5_96\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_96\" id=\"t6_96\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_96\" id=\"t7_96\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_96\" id=\"t8_96\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_96\" id=\"t9_96\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"> </div>\n<div class=\"t s8_96\" id=\"tc_96\" style=\"left:74px;bottom:765px;letter-spacing:0.21px;word-spacing:1.42px;display:inline;\">10 Profit before tax </div>\n<div class=\"t s9_96\" id=\"td_96\" style=\"left:453px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_96\" id=\"te_96\" style=\"left:449px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_96\" id=\"tf_96\" style=\"left:550px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_96\" id=\"tg_96\" style=\"left:544px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_96\" id=\"th_96\" style=\"left:78px;bottom:701px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Profit before tax is stated after: </div>\n<div class=\"t sa_96\" id=\"ti_96\" style=\"left:78px;bottom:679px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Auditor\u2019s remuneration (inclusive of non-recoverable </div>\n<div class=\"t sa_96\" id=\"tj_96\" style=\"left:78px;bottom:661px;letter-spacing:-0.17px;display:inline;\">VAT): </div>\n<div class=\"t sa_96\" id=\"tk_96\" style=\"left:78px;bottom:639px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Audit services: </div>\n<div class=\"t sa_96\" id=\"tl_96\" style=\"left:95px;bottom:617px;letter-spacing:0.05px;word-spacing:-0.03px;display:inline;\">Audit of Company financial statements \u2013 Current Year </div><div class=\"t sb_96\" id=\"tm_96\" style=\"left:463px;bottom:617px;letter-spacing:0.41px;display:inline;\">158 </div><div class=\"t sc_96\" id=\"tn_96\" style=\"left:559px;bottom:617px;letter-spacing:0.05px;display:inline;\">172 </div>\n<div class=\"t sa_96\" id=\"to_96\" style=\"left:95px;bottom:595px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Audit of subsidiary undertakings </div><div class=\"t sb_96\" id=\"tp_96\" style=\"left:463px;bottom:595px;letter-spacing:0.33px;display:inline;\">139 </div><div class=\"t sc_96\" id=\"tq_96\" style=\"left:559px;bottom:595px;letter-spacing:0.36px;display:inline;\">120 </div>\n<div class=\"t sa_96\" id=\"tr_96\" style=\"left:95px;bottom:573px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Non-audit services </div><div class=\"t s4_96\" id=\"ts_96\" style=\"left:476px;bottom:573px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"tt_96\" style=\"left:571px;bottom:573px;display:inline;\">\u2013 </div>\n<div class=\"t sa_96\" id=\"tu_96\" style=\"left:78px;bottom:551px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Depreciation of property, plant and equipment </div><div class=\"t sb_96\" id=\"tv_96\" style=\"left:453px;bottom:551px;letter-spacing:0.29px;display:inline;\">1,052 </div><div class=\"t sc_96\" id=\"tw_96\" style=\"left:558px;bottom:551px;letter-spacing:0.42px;display:inline;\">966 </div>\n<div class=\"t sa_96\" id=\"tx_96\" style=\"left:78px;bottom:529px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Amortisation of intangibles </div><div class=\"t s4_96\" id=\"ty_96\" style=\"left:463px;bottom:529px;letter-spacing:0.32px;display:inline;\">786 </div><div class=\"t sd_96\" id=\"tz_96\" style=\"left:559px;bottom:529px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sa_96\" id=\"t10_96\" style=\"left:78px;bottom:506px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Rental income receivable </div><div class=\"t s4_96\" id=\"t11_96\" style=\"left:470px;bottom:506px;letter-spacing:0.45px;display:inline;\">94 </div><div class=\"t sc_96\" id=\"t12_96\" style=\"left:559px;bottom:506px;letter-spacing:0.17px;display:inline;\">101 </div>\n<div class=\"t s8_96\" id=\"t13_96\" style=\"left:621px;bottom:765px;letter-spacing:-0.02px;word-spacing:4.67px;display:inline;\">11 Tax </div>\n<div class=\"t se_96\" id=\"t14_96\" style=\"left:621px;bottom:743px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">The relationship between the expected tax expense based on the effective tax rate of </div>\n<div class=\"t se_96\" id=\"t15_96\" style=\"left:621px;bottom:725px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Personal Group Holdings Plc at 19% (2021: 19%) and the tax expense recognised in the </div>\n<div class=\"t se_96\" id=\"t16_96\" style=\"left:621px;bottom:707px;letter-spacing:-0.03px;display:inline;\">income statement can be reconciled as follows: </div>\n<div class=\"t s9_96\" id=\"t17_96\" style=\"left:1001px;bottom:671px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_96\" id=\"t18_96\" style=\"left:996px;bottom:655px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_96\" id=\"t19_96\" style=\"left:1098px;bottom:671px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_96\" id=\"t1a_96\" style=\"left:1092px;bottom:655px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_96\" id=\"t1b_96\" style=\"left:626px;bottom:631px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Profit before tax </div><div class=\"t sb_96\" id=\"t1c_96\" style=\"left:998px;bottom:631px;letter-spacing:0.17px;display:inline;\">(6,760) </div><div class=\"t sc_96\" id=\"t1d_96\" style=\"left:1097px;bottom:631px;letter-spacing:0.22px;display:inline;\">4,342 </div>\n<div class=\"t sa_96\" id=\"t1e_96\" style=\"left:626px;bottom:605px;letter-spacing:-0.04px;word-spacing:0.13px;display:inline;\">Tax rate </div><div class=\"t sb_96\" id=\"t1f_96\" style=\"left:1008px;bottom:605px;letter-spacing:0.37px;display:inline;\">19% </div><div class=\"t sc_96\" id=\"t1g_96\" style=\"left:1104px;bottom:605px;letter-spacing:0.41px;display:inline;\">19% </div>\n<div class=\"t sa_96\" id=\"t1h_96\" style=\"left:626px;bottom:578px;letter-spacing:0.1px;word-spacing:-0.09px;display:inline;\">Expected tax expense </div><div class=\"t sb_96\" id=\"t1i_96\" style=\"left:997px;bottom:578px;letter-spacing:0.32px;display:inline;\">(1,284) </div><div class=\"t sc_96\" id=\"t1j_96\" style=\"left:1106px;bottom:578px;letter-spacing:0.37px;display:inline;\">825 </div>\n<div class=\"t sa_96\" id=\"t1k_96\" style=\"left:626px;bottom:552px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Adjustment for non-deductible expenses \u2013 Goodwill </div>\n<div class=\"t sa_96\" id=\"t1l_96\" style=\"left:626px;bottom:534px;letter-spacing:0.11px;display:inline;\">impairment </div><div class=\"t sb_96\" id=\"t1m_96\" style=\"left:1001px;bottom:534px;letter-spacing:0.39px;display:inline;\">2,009 </div><div class=\"t sd_96\" id=\"t1n_96\" style=\"left:1119px;bottom:534px;display:inline;\">\u2013 </div>\n<div class=\"t sa_96\" id=\"t1o_96\" style=\"left:626px;bottom:508px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Adjustment for non-deductible expenses \u2013 Other </div><div class=\"t sb_96\" id=\"t1p_96\" style=\"left:1011px;bottom:508px;letter-spacing:0.32px;display:inline;\">122 </div><div class=\"t sd_96\" id=\"t1q_96\" style=\"left:1113px;bottom:508px;letter-spacing:0.46px;display:inline;\">68 </div>\n<div class=\"t sa_96\" id=\"t1r_96\" style=\"left:626px;bottom:481px;letter-spacing:0.07px;word-spacing:-0.04px;display:inline;\">Adjustment for tax exempt revenues </div><div class=\"t sb_96\" id=\"t1s_96\" style=\"left:1008px;bottom:481px;letter-spacing:0.22px;display:inline;\">(254) </div><div class=\"t sc_96\" id=\"t1t_96\" style=\"left:1104px;bottom:481px;letter-spacing:0.11px;display:inline;\">(101) </div>\n<div class=\"t sa_96\" id=\"t1u_96\" style=\"left:626px;bottom:455px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other adjustments </div>\n<div class=\"t sa_96\" id=\"t1v_96\" style=\"left:643px;bottom:428px;letter-spacing:0.07px;word-spacing:-0.03px;display:inline;\">Effect of tax rate changes on deferred tax </div><div class=\"t s4_96\" id=\"t1w_96\" style=\"left:1024px;bottom:428px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"t1x_96\" style=\"left:1113px;bottom:428px;letter-spacing:0.24px;display:inline;\">67 </div>\n<div class=\"t sa_96\" id=\"t1y_96\" style=\"left:643px;bottom:402px;letter-spacing:0.04px;word-spacing:0.01px;display:inline;\">Tax credit in respect of prior years </div><div class=\"t sb_96\" id=\"t1z_96\" style=\"left:1008px;bottom:402px;letter-spacing:0.24px;display:inline;\">(100) </div><div class=\"t sc_96\" id=\"t20_96\" style=\"left:1103px;bottom:402px;letter-spacing:0.16px;display:inline;\">(109) </div>\n<div class=\"t sa_96\" id=\"t21_96\" style=\"left:643px;bottom:376px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">Adjustment for previously non-deductible expenses </div><div class=\"t s4_96\" id=\"t22_96\" style=\"left:1024px;bottom:376px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"t23_96\" style=\"left:1116px;bottom:376px;letter-spacing:0.2px;display:inline;\">(5) </div>\n<div class=\"t sa_96\" id=\"t24_96\" style=\"left:626px;bottom:349px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Actual tax expense </div><div class=\"t s4_96\" id=\"t25_96\" style=\"left:1011px;bottom:349px;letter-spacing:0.19px;display:inline;\">493 </div><div class=\"t sc_96\" id=\"t26_96\" style=\"left:1107px;bottom:349px;letter-spacing:-0.17px;display:inline;\">745 </div>\n<div class=\"t sa_96\" id=\"t27_96\" style=\"left:626px;bottom:323px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Continuing operations </div><div class=\"t s4_96\" id=\"t28_96\" style=\"left:1011px;bottom:323px;letter-spacing:0.19px;display:inline;\">493 </div><div class=\"t sc_96\" id=\"t29_96\" style=\"left:1107px;bottom:323px;letter-spacing:-0.17px;display:inline;\">745 </div>\n<div class=\"t sa_96\" id=\"t2a_96\" style=\"left:626px;bottom:270px;letter-spacing:0.09px;word-spacing:-0.08px;display:inline;\">Current tax expense </div><div class=\"t sb_96\" id=\"t2b_96\" style=\"left:1012px;bottom:270px;letter-spacing:0.16px;display:inline;\">471 </div><div class=\"t sd_96\" id=\"t2c_96\" style=\"left:1107px;bottom:270px;letter-spacing:0.21px;display:inline;\">775 </div>\n<div class=\"t sa_96\" id=\"t2d_96\" style=\"left:626px;bottom:243px;letter-spacing:0.05px;word-spacing:-0.03px;display:inline;\">In respect of prior years </div><div class=\"t sb_96\" id=\"t2e_96\" style=\"left:1007px;bottom:243px;letter-spacing:0.24px;display:inline;\">(100) </div><div class=\"t sc_96\" id=\"t2f_96\" style=\"left:1103px;bottom:243px;letter-spacing:0.16px;display:inline;\">(109) </div>\n<div class=\"t sa_96\" id=\"t2g_96\" style=\"left:626px;bottom:217px;letter-spacing:0.08px;word-spacing:-0.17px;display:inline;\">Deferred tax </div>\n<div class=\"t sa_96\" id=\"t2h_96\" style=\"left:643px;bottom:191px;letter-spacing:0.06px;display:inline;\">Origination and reversal of temporary differences </div><div class=\"t sb_96\" id=\"t2i_96\" style=\"left:1011px;bottom:191px;letter-spacing:0.32px;display:inline;\">122 </div><div class=\"t sc_96\" id=\"t2j_96\" style=\"left:1113px;bottom:191px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sa_96\" id=\"t2k_96\" style=\"left:643px;bottom:164px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Effect of tax rate changes </div><div class=\"t s4_96\" id=\"t2l_96\" style=\"left:1024px;bottom:164px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"t2m_96\" style=\"left:1113px;bottom:164px;letter-spacing:0.24px;display:inline;\">67 </div>\n<div class=\"t s4_96\" id=\"t2n_96\" style=\"left:626px;bottom:138px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">Total tax </div><div class=\"t s4_96\" id=\"t2o_96\" style=\"left:1011px;bottom:138px;letter-spacing:0.19px;display:inline;\">493 </div><div class=\"t sc_96\" id=\"t2p_96\" style=\"left:1107px;bottom:138px;letter-spacing:-0.17px;display:inline;\">745 </div><div></div><div class=\"t s1_97\" id=\"t1_97\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_97\" id=\"t2_97\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_97\" id=\"t3_97\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_97\" id=\"t4_97\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_97\" id=\"t5_97\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_97\" id=\"t6_97\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_97\" id=\"t7_97\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_97\" id=\"t8_97\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_97\" id=\"t9_97\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n<div class=\"t s8_97\" id=\"tc_97\" style=\"left:74px;bottom:765px;letter-spacing:0.21px;word-spacing:1.43px;display:inline;\">12 Earnings per share </div>\n<div class=\"t s9_97\" id=\"td_97\" style=\"left:290px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t s9_97\" id=\"te_97\" style=\"left:477px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_97\" id=\"tf_97\" style=\"left:218px;bottom:684px;letter-spacing:-0.01px;display:inline;\">Earnings </div>\n<div class=\"t s9_97\" id=\"tg_97\" style=\"left:236px;bottom:668px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_97\" id=\"th_97\" style=\"left:282px;bottom:716px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t s9_97\" id=\"ti_97\" style=\"left:293px;bottom:700px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t s9_97\" id=\"tj_97\" style=\"left:294px;bottom:684px;letter-spacing:-0.01px;display:inline;\">number </div>\n<div class=\"t s9_97\" id=\"tk_97\" style=\"left:287px;bottom:668px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">of shares </div>\n<div class=\"t s9_97\" id=\"tl_97\" style=\"left:352px;bottom:700px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t s9_97\" id=\"tm_97\" style=\"left:368px;bottom:684px;letter-spacing:-0.01px;display:inline;\">per </div>\n<div class=\"t s9_97\" id=\"tn_97\" style=\"left:355px;bottom:668px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t s9_97\" id=\"to_97\" style=\"left:400px;bottom:684px;letter-spacing:-0.01px;display:inline;\">Earnings </div>\n<div class=\"t s9_97\" id=\"tp_97\" style=\"left:418px;bottom:668px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_97\" id=\"tq_97\" style=\"left:473px;bottom:716px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t s9_97\" id=\"tr_97\" style=\"left:483px;bottom:700px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t s9_97\" id=\"ts_97\" style=\"left:469px;bottom:684px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">number of </div>\n<div class=\"t s9_97\" id=\"tt_97\" style=\"left:492px;bottom:668px;letter-spacing:-0.02px;display:inline;\">shares </div>\n<div class=\"t s9_97\" id=\"tu_97\" style=\"left:543px;bottom:700px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t s9_97\" id=\"tv_97\" style=\"left:559px;bottom:684px;letter-spacing:-0.01px;display:inline;\">per </div>\n<div class=\"t s9_97\" id=\"tw_97\" style=\"left:546px;bottom:668px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t sa_97\" id=\"tx_97\" style=\"left:78px;bottom:646px;letter-spacing:0.1px;display:inline;\">Basic </div><div class=\"t sb_97\" id=\"ty_97\" style=\"left:238px;bottom:646px;letter-spacing:0.12px;display:inline;\">(7,253) </div><div class=\"t sb_97\" id=\"tz_97\" style=\"left:281px;bottom:646px;letter-spacing:0.3px;display:inline;\">31,214,765 </div><div class=\"t sb_97\" id=\"t10_97\" style=\"left:361px;bottom:646px;letter-spacing:0.19px;display:inline;\">(23.2) </div><div class=\"t sc_97\" id=\"t11_97\" style=\"left:424px;bottom:646px;letter-spacing:0.12px;display:inline;\">3,597 </div><div class=\"t sc_97\" id=\"t12_97\" style=\"left:473px;bottom:646px;letter-spacing:0.19px;display:inline;\">31,205,375 </div><div class=\"t sc_97\" id=\"t13_97\" style=\"left:556px;bottom:646px;letter-spacing:0.32px;display:inline;\">11.5 </div>\n<div class=\"t sa_97\" id=\"t14_97\" style=\"left:78px;bottom:624px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">Dilutive effect of shares </div>\n<div class=\"t sa_97\" id=\"t15_97\" style=\"left:78px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">in Employee Share- </div>\n<div class=\"t sa_97\" id=\"t16_97\" style=\"left:78px;bottom:589px;letter-spacing:0.12px;display:inline;\">based schemes </div><div class=\"t sb_97\" id=\"t17_97\" style=\"left:255px;bottom:589px;letter-spacing:0.15px;display:inline;\">0.0 </div><div class=\"t sb_97\" id=\"t18_97\" style=\"left:298px;bottom:589px;letter-spacing:0.26px;display:inline;\">755,224 </div><div class=\"t sb_97\" id=\"t19_97\" style=\"left:372px;bottom:589px;letter-spacing:0.15px;display:inline;\">0.0 </div><div class=\"t sc_97\" id=\"t1a_97\" style=\"left:437px;bottom:589px;letter-spacing:0.01px;display:inline;\">0.0 </div><div class=\"t sc_97\" id=\"t1b_97\" style=\"left:502px;bottom:589px;letter-spacing:0.12px;display:inline;\">8,162 </div><div class=\"t sc_97\" id=\"t1c_97\" style=\"left:563px;bottom:589px;letter-spacing:0.01px;display:inline;\">0.0 </div>\n<div class=\"t sa_97\" id=\"t1d_97\" style=\"left:78px;bottom:567px;letter-spacing:0.1px;display:inline;\">Diluted </div><div class=\"t sb_97\" id=\"t1e_97\" style=\"left:238px;bottom:567px;letter-spacing:0.12px;display:inline;\">(7,253) </div><div class=\"t sb_97\" id=\"t1f_97\" style=\"left:281px;bottom:567px;letter-spacing:0.3px;display:inline;\">31,969,989 </div><div class=\"t sb_97\" id=\"t1g_97\" style=\"left:361px;bottom:567px;letter-spacing:0.19px;display:inline;\">(23.2) </div><div class=\"t sc_97\" id=\"t1h_97\" style=\"left:424px;bottom:567px;letter-spacing:0.12px;display:inline;\">3,597 </div><div class=\"t sc_97\" id=\"t1i_97\" style=\"left:473px;bottom:567px;letter-spacing:0.23px;display:inline;\">31,213,537 </div><div class=\"t sc_97\" id=\"t1j_97\" style=\"left:556px;bottom:567px;letter-spacing:0.32px;display:inline;\">11.5 </div>\n<div class=\"t sd_97\" id=\"t1k_97\" style=\"left:74px;bottom:528px;letter-spacing:-0.18px;word-spacing:-0.01px;display:inline;\">The weighted average number of shares shown above excludes unallocated own Company </div>\n<div class=\"t sd_97\" id=\"t1l_97\" style=\"left:74px;bottom:509px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">shares held by Personal Group Trustees Ltd. Excluding the goodwill impairment, the earnings </div>\n<div class=\"t sd_97\" id=\"t1m_97\" style=\"left:74px;bottom:491px;letter-spacing:-0.32px;word-spacing:-0.01px;display:inline;\">per share for 2022 were 10.9p (Diluted 10.6p). </div>\n<div class=\"t s8_97\" id=\"t1n_97\" style=\"left:74px;bottom:457px;letter-spacing:0.23px;word-spacing:4.42px;display:inline;\">13 Dividends </div>\n<div class=\"t s9_97\" id=\"t1o_97\" style=\"left:289px;bottom:431px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_97\" id=\"t1p_97\" style=\"left:260px;bottom:415px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Pence per </div>\n<div class=\"t s9_97\" id=\"t1q_97\" style=\"left:286px;bottom:399px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t s9_97\" id=\"t1r_97\" style=\"left:377px;bottom:431px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_97\" id=\"t1s_97\" style=\"left:347px;bottom:415px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Pence per </div>\n<div class=\"t s9_97\" id=\"t1t_97\" style=\"left:372px;bottom:399px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t s9_97\" id=\"t1u_97\" style=\"left:462px;bottom:415px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_97\" id=\"t1v_97\" style=\"left:457px;bottom:399px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_97\" id=\"t1w_97\" style=\"left:550px;bottom:415px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_97\" id=\"t1x_97\" style=\"left:544px;bottom:399px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_97\" id=\"t1y_97\" style=\"left:78px;bottom:377px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Equity dividends </div>\n<div class=\"t sa_97\" id=\"t1z_97\" style=\"left:78px;bottom:355px;letter-spacing:0.14px;display:inline;\">Q2 </div><div class=\"t sb_97\" id=\"t20_97\" style=\"left:289px;bottom:355px;letter-spacing:0.33px;display:inline;\">5.300 </div><div class=\"t sc_97\" id=\"t21_97\" style=\"left:376px;bottom:355px;letter-spacing:0.21px;display:inline;\">5.100 </div><div class=\"t sb_97\" id=\"t22_97\" style=\"left:462px;bottom:355px;letter-spacing:0.26px;display:inline;\">1,655 </div><div class=\"t sc_97\" id=\"t23_97\" style=\"left:549px;bottom:355px;letter-spacing:0.23px;display:inline;\">1,591 </div>\n<div class=\"t sa_97\" id=\"t24_97\" style=\"left:78px;bottom:333px;letter-spacing:0.14px;display:inline;\">Q4 </div><div class=\"t sb_97\" id=\"t25_97\" style=\"left:289px;bottom:333px;letter-spacing:0.33px;display:inline;\">5.300 </div><div class=\"t sc_97\" id=\"t26_97\" style=\"left:376px;bottom:333px;letter-spacing:0.28px;display:inline;\">5.300 </div><div class=\"t sb_97\" id=\"t27_97\" style=\"left:462px;bottom:333px;letter-spacing:0.27px;display:inline;\">1,657 </div><div class=\"t sc_97\" id=\"t28_97\" style=\"left:549px;bottom:333px;letter-spacing:0.24px;display:inline;\">1,654 </div>\n<div class=\"t sb_97\" id=\"t29_97\" style=\"left:282px;bottom:311px;letter-spacing:0.29px;display:inline;\">10.600 </div><div class=\"t sc_97\" id=\"t2a_97\" style=\"left:369px;bottom:311px;letter-spacing:0.27px;display:inline;\">10.400 </div><div class=\"t sb_97\" id=\"t2b_97\" style=\"left:462px;bottom:311px;letter-spacing:0.28px;display:inline;\">3,312 </div><div class=\"t sc_97\" id=\"t2c_97\" style=\"left:550px;bottom:311px;letter-spacing:0.12px;display:inline;\">3,245 </div>\n<div class=\"t sa_97\" id=\"t2d_97\" style=\"left:78px;bottom:289px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Less: amounts paid on own </div>\n<div class=\"t sa_97\" id=\"t2e_97\" style=\"left:78px;bottom:271px;letter-spacing:0.08px;display:inline;\">shares </div><div class=\"t sb_97\" id=\"t2f_97\" style=\"left:482px;bottom:271px;letter-spacing:0.04px;display:inline;\">(2) </div><div class=\"t sc_97\" id=\"t2g_97\" style=\"left:569px;bottom:271px;letter-spacing:0.05px;display:inline;\">(1) </div>\n<div class=\"t s4_97\" id=\"t2h_97\" style=\"left:78px;bottom:249px;letter-spacing:0.04px;word-spacing:0.07px;display:inline;\">Total dividends </div><div class=\"t sb_97\" id=\"t2i_97\" style=\"left:282px;bottom:249px;letter-spacing:0.29px;display:inline;\">10.600 </div><div class=\"t sc_97\" id=\"t2j_97\" style=\"left:369px;bottom:249px;letter-spacing:0.27px;display:inline;\">10.400 </div><div class=\"t sb_97\" id=\"t2k_97\" style=\"left:462px;bottom:249px;letter-spacing:0.28px;display:inline;\">3,310 </div><div class=\"t sc_97\" id=\"t2l_97\" style=\"left:549px;bottom:249px;letter-spacing:0.23px;display:inline;\">3,244 </div>\n<div class=\"t sd_97\" id=\"t2m_97\" style=\"left:74px;bottom:210px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">The dividends listed above were paid in the calendar year. Dividends of 10.6p per share </div>\n<div class=\"t sd_97\" id=\"t2n_97\" style=\"left:74px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">were paid relating to the 2021 financial period and an interim payment of 5.3p has been </div>\n<div class=\"t sd_97\" id=\"t2o_97\" style=\"left:74px;bottom:173px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">paid relating to the 2022 financial period. </div>\n<div class=\"t s8_97\" id=\"t2p_97\" style=\"left:621px;bottom:765px;letter-spacing:0.23px;word-spacing:4.42px;display:inline;\">14 Goodwill </div>\n<div class=\"t sd_97\" id=\"t2q_97\" style=\"left:621px;bottom:743px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">The carrying amount of goodwill which has been allocated to those cash-generating </div>\n<div class=\"t sd_97\" id=\"t2r_97\" style=\"left:621px;bottom:725px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">units can be analysed as follows: </div>\n<div class=\"t s9_97\" id=\"t2s_97\" style=\"left:819px;bottom:689px;letter-spacing:-0.01px;display:inline;\">PG Let\u2019s </div>\n<div class=\"t s9_97\" id=\"t2t_97\" style=\"left:817px;bottom:673px;letter-spacing:-0.03px;display:inline;\">Connect </div>\n<div class=\"t s9_97\" id=\"t2u_97\" style=\"left:827px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2v_97\" style=\"left:908px;bottom:673px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t s9_97\" id=\"t2w_97\" style=\"left:913px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2x_97\" style=\"left:1015px;bottom:673px;letter-spacing:-0.08px;display:inline;\">QCG </div>\n<div class=\"t s9_97\" id=\"t2y_97\" style=\"left:1000px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2z_97\" style=\"left:1097px;bottom:673px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_97\" id=\"t30_97\" style=\"left:1086px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sa_97\" id=\"t31_97\" style=\"left:626px;bottom:636px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_97\" id=\"t32_97\" style=\"left:626px;bottom:613px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sb_97\" id=\"t33_97\" style=\"left:832px;bottom:613px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t sb_97\" id=\"t34_97\" style=\"left:924px;bottom:613px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t s4_97\" id=\"t35_97\" style=\"left:1033px;bottom:613px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t36_97\" style=\"left:1091px;bottom:613px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t37_97\" style=\"left:626px;bottom:591px;letter-spacing:0.06px;word-spacing:-0.07px;display:inline;\">Additions in the year (note 32) </div><div class=\"t s4_97\" id=\"t38_97\" style=\"left:860px;bottom:591px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t39_97\" style=\"left:947px;bottom:591px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t3a_97\" style=\"left:1021px;bottom:591px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t3b_97\" style=\"left:1107px;bottom:591px;letter-spacing:0.23px;display:inline;\">563 </div>\n<div class=\"t sa_97\" id=\"t3c_97\" style=\"left:626px;bottom:569px;letter-spacing:0.11px;display:inline;\">Disposal </div><div class=\"t s4_97\" id=\"t3d_97\" style=\"left:860px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3e_97\" style=\"left:947px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3f_97\" style=\"left:1033px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3g_97\" style=\"left:1120px;bottom:569px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t3h_97\" style=\"left:626px;bottom:547px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sb_97\" id=\"t3i_97\" style=\"left:832px;bottom:547px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t sb_97\" id=\"t3j_97\" style=\"left:924px;bottom:547px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t sb_97\" id=\"t3k_97\" style=\"left:1021px;bottom:547px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t3l_97\" style=\"left:1091px;bottom:547px;letter-spacing:0.26px;display:inline;\">13,259 </div>\n<div class=\"t sa_97\" id=\"t3m_97\" style=\"left:626px;bottom:525px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Impairment charged </div>\n<div class=\"t sa_97\" id=\"t3n_97\" style=\"left:626px;bottom:503px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t s4_97\" id=\"t3o_97\" style=\"left:860px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3p_97\" style=\"left:947px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3q_97\" style=\"left:1033px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3r_97\" style=\"left:1120px;bottom:503px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t3s_97\" style=\"left:626px;bottom:480px;letter-spacing:0.07px;word-spacing:-0.12px;display:inline;\">Impairment charge for year </div><div class=\"t sb_97\" id=\"t3t_97\" style=\"left:832px;bottom:480px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t s4_97\" id=\"t3u_97\" style=\"left:947px;bottom:480px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3v_97\" style=\"left:1033px;bottom:480px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t3w_97\" style=\"left:1091px;bottom:480px;letter-spacing:0.17px;display:inline;\">10,575 </div>\n<div class=\"t sa_97\" id=\"t3x_97\" style=\"left:626px;bottom:458px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t s4_97\" id=\"t3y_97\" style=\"left:860px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3z_97\" style=\"left:947px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t40_97\" style=\"left:1033px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t41_97\" style=\"left:1120px;bottom:458px;display:inline;\">\u2013 </div>\n<div class=\"t s4_97\" id=\"t42_97\" style=\"left:626px;bottom:436px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Net book value at </div>\n<div class=\"t s4_97\" id=\"t43_97\" style=\"left:626px;bottom:419px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">31 December 2022 </div><div class=\"t s4_97\" id=\"t44_97\" style=\"left:860px;bottom:419px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t45_97\" style=\"left:924px;bottom:419px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t sb_97\" id=\"t46_97\" style=\"left:1021px;bottom:419px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t47_97\" style=\"left:1097px;bottom:419px;letter-spacing:0.32px;display:inline;\">2,684 </div>\n<div class=\"t s9_97\" id=\"t48_97\" style=\"left:818px;bottom:375px;letter-spacing:-0.01px;display:inline;\">PG Let\u2019s </div>\n<div class=\"t s9_97\" id=\"t49_97\" style=\"left:817px;bottom:359px;letter-spacing:-0.03px;display:inline;\">Connect </div>\n<div class=\"t s9_97\" id=\"t4a_97\" style=\"left:826px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4b_97\" style=\"left:907px;bottom:359px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t s9_97\" id=\"t4c_97\" style=\"left:913px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4d_97\" style=\"left:1014px;bottom:359px;letter-spacing:-0.08px;display:inline;\">QCG </div>\n<div class=\"t s9_97\" id=\"t4e_97\" style=\"left:999px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4f_97\" style=\"left:1096px;bottom:359px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_97\" id=\"t4g_97\" style=\"left:1086px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sa_97\" id=\"t4h_97\" style=\"left:626px;bottom:321px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_97\" id=\"t4i_97\" style=\"left:626px;bottom:299px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sc_97\" id=\"t4j_97\" style=\"left:831px;bottom:299px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t4k_97\" style=\"left:924px;bottom:299px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t4l_97\" style=\"left:1033px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t4m_97\" style=\"left:1091px;bottom:299px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t4n_97\" style=\"left:626px;bottom:277px;letter-spacing:0.08px;word-spacing:-0.15px;display:inline;\">Additions in the year </div><div class=\"t se_97\" id=\"t4o_97\" style=\"left:859px;bottom:277px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4p_97\" style=\"left:1033px;bottom:277px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4q_97\" style=\"left:1119px;bottom:277px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t4r_97\" style=\"left:626px;bottom:255px;letter-spacing:0.11px;display:inline;\">Disposal </div><div class=\"t se_97\" id=\"t4s_97\" style=\"left:859px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4t_97\" style=\"left:946px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4u_97\" style=\"left:1033px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4v_97\" style=\"left:1119px;bottom:255px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t4w_97\" style=\"left:626px;bottom:232px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sc_97\" id=\"t4x_97\" style=\"left:831px;bottom:232px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t4y_97\" style=\"left:924px;bottom:232px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t4z_97\" style=\"left:1033px;bottom:232px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t50_97\" style=\"left:1091px;bottom:232px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t51_97\" style=\"left:626px;bottom:210px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Impairment charged </div>\n<div class=\"t sa_97\" id=\"t52_97\" style=\"left:626px;bottom:188px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t se_97\" id=\"t53_97\" style=\"left:860px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t54_97\" style=\"left:946px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t55_97\" style=\"left:1033px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t56_97\" style=\"left:1119px;bottom:188px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t57_97\" style=\"left:626px;bottom:166px;letter-spacing:0.07px;word-spacing:-0.12px;display:inline;\">Impairment charge for year </div><div class=\"t se_97\" id=\"t58_97\" style=\"left:860px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t59_97\" style=\"left:946px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5a_97\" style=\"left:1033px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5b_97\" style=\"left:1119px;bottom:166px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t5c_97\" style=\"left:626px;bottom:144px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t se_97\" id=\"t5d_97\" style=\"left:860px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5e_97\" style=\"left:946px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5f_97\" style=\"left:1033px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5g_97\" style=\"left:1119px;bottom:144px;display:inline;\">\u2013 </div>\n<div class=\"t s4_97\" id=\"t5h_97\" style=\"left:626px;bottom:122px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Net book value at </div>\n<div class=\"t s4_97\" id=\"t5i_97\" style=\"left:626px;bottom:104px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">31 December 2021 </div><div class=\"t sc_97\" id=\"t5j_97\" style=\"left:831px;bottom:104px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t5k_97\" style=\"left:924px;bottom:104px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t5l_97\" style=\"left:1033px;bottom:104px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t5m_97\" style=\"left:1091px;bottom:104px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sd_97\" id=\"t5n_97\" style=\"left:621px;bottom:65px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">The net carrying values at 31 December 2022 have been reviewed for impairment. </div><div></div><div class=\"t s1_98\" id=\"t1_98\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_98\" id=\"t2_98\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_98\" id=\"t3_98\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_98\" id=\"t4_98\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_98\" id=\"t5_98\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_98\" id=\"t6_98\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_98\" id=\"t7_98\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_98\" id=\"t8_98\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_98\" id=\"t9_98\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n<div class=\"t sa_98\" id=\"te_98\" style=\"left:74px;bottom:745px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">PG Let\u2019s Connect </div>\n<div class=\"t sb_98\" id=\"tf_98\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">The first cash generating unit (CGU) considered was the PG Let\u2019s Connect business as a </div>\n<div class=\"t sb_98\" id=\"tg_98\" style=\"left:74px;bottom:704px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">whole and its recoverable amount was based on value in use, determined by discounting </div>\n<div class=\"t sb_98\" id=\"th_98\" style=\"left:74px;bottom:686px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">the future cash flows to be generated from continued trading of PG Let\u2019s Connect. </div>\n<div class=\"t sb_98\" id=\"ti_98\" style=\"left:74px;bottom:654px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">As a result in the change of the operational landscape at a key customer, PG Let's </div>\n<div class=\"t sb_98\" id=\"tj_98\" style=\"left:74px;bottom:636px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Connect has lost access to a significant portion of its customer base from previous </div>\n<div class=\"t sb_98\" id=\"tk_98\" style=\"left:74px;bottom:618px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">years. This, combined with the ongoing impacts of COVID-19 on stock availability and </div>\n<div class=\"t sb_98\" id=\"tl_98\" style=\"left:74px;bottom:599px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">profit margins, has resulted in the revenue and profitability outlooks of the business </div>\n<div class=\"t sb_98\" id=\"tm_98\" style=\"left:74px;bottom:581px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">being lessened at the end of December 2022. </div>\n<div class=\"t sb_98\" id=\"tn_98\" style=\"left:74px;bottom:550px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">The value in use of the CGU was found to no longer support the recognition of any </div>\n<div class=\"t sb_98\" id=\"to_98\" style=\"left:74px;bottom:531px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">goodwill. As such, an impairment of \u00a310,575,000 was recorded in the year. </div>\n<div class=\"t sb_98\" id=\"tp_98\" style=\"left:74px;bottom:500px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the purpose of the value in use model, the CGU value is comprised of the Goodwill </div>\n<div class=\"t sb_98\" id=\"tq_98\" style=\"left:74px;bottom:482px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">allocated, the carrying value of the intangible asset recognised on acquisition and the </div>\n<div class=\"t sb_98\" id=\"tr_98\" style=\"left:74px;bottom:463px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">assets of the CGU such that the carrying amount of the CGU has been determined on </div>\n<div class=\"t sb_98\" id=\"ts_98\" style=\"left:74px;bottom:445px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">a basis consistent with the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_98\" id=\"tt_98\" style=\"left:74px;bottom:414px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model. </div>\n<div class=\"t sb_98\" id=\"tu_98\" style=\"left:74px;bottom:382px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">In line with previous years, an expected cash flow approach, based on various different </div>\n<div class=\"t sb_98\" id=\"tv_98\" style=\"left:74px;bottom:364px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">scenarios, was used, as management believe this method to most appropriately </div>\n<div class=\"t sb_98\" id=\"tw_98\" style=\"left:74px;bottom:346px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">address the fact that the timing and scale of Let\u2019s Connect\u2019s future growth currently </div>\n<div class=\"t sb_98\" id=\"tx_98\" style=\"left:74px;bottom:327px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">remains uncertain. Each of the scenarios was given a probability expectation, based </div>\n<div class=\"t sb_98\" id=\"ty_98\" style=\"left:74px;bottom:309px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">on management\u2019s best view and historic performance, and the weighted average net </div>\n<div class=\"t sb_98\" id=\"tz_98\" style=\"left:74px;bottom:291px;letter-spacing:-0.16px;word-spacing:-0.12px;display:inline;\">present value (NPV) derived from these calculations was then determined as the value in </div>\n<div class=\"t sb_98\" id=\"t10_98\" style=\"left:74px;bottom:272px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">use. Budgeted EBITDA was based on expectations of future outcomes considering past </div>\n<div class=\"t sb_98\" id=\"t11_98\" style=\"left:74px;bottom:254px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">experience as well as existing contracts in place. </div>\n<div class=\"t sa_98\" id=\"t12_98\" style=\"left:74px;bottom:224px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_98\" id=\"t13_98\" style=\"left:74px;bottom:202px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Given that NPV is sensitive to several key assumptions which have been used, </div>\n<div class=\"t sb_98\" id=\"t14_98\" style=\"left:74px;bottom:183px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">the following have been highlighted as being the most sensitive. </div>\n<div class=\"t sa_98\" id=\"t15_98\" style=\"left:621px;bottom:767px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Discount rate </div>\n<div class=\"t sb_98\" id=\"t16_98\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The long-term growth rate into perpetuity was determined as 2.5% (30-year average </div>\n<div class=\"t sb_98\" id=\"t17_98\" style=\"left:621px;bottom:726px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of UK\u00a0consumer price index). To reflect the increased uncertainty of the business </div>\n<div class=\"t sb_98\" id=\"t18_98\" style=\"left:621px;bottom:708px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">operations, the cash flows were then discounted using a post-tax discount rate of 18% </div>\n<div class=\"t sb_98\" id=\"t19_98\" style=\"left:621px;bottom:690px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">(2021: 13%) based on PG Let\u2019s Connect weighted average cost of capital, using the capital </div>\n<div class=\"t sb_98\" id=\"t1a_98\" style=\"left:621px;bottom:671px;letter-spacing:-0.01px;display:inline;\">asset pricing model. </div>\n<div class=\"t sa_98\" id=\"t1b_98\" style=\"left:621px;bottom:641px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Cash flow revenue projections </div>\n<div class=\"t sb_98\" id=\"t1c_98\" style=\"left:621px;bottom:619px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">Management applied an expected cash flow approach to the value in use model for </div>\n<div class=\"t sb_98\" id=\"t1d_98\" style=\"left:621px;bottom:600px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">revenue forecasting, using the weighted average of a number of scenarios to determine </div>\n<div class=\"t sb_98\" id=\"t1e_98\" style=\"left:621px;bottom:582px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the expected future revenues of Let\u2019s Connect. The scenarios used, and the probabilities </div>\n<div class=\"t sb_98\" id=\"t1f_98\" style=\"left:621px;bottom:564px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">applied, take into account the current market conditions, including global supply chain </div>\n<div class=\"t sb_98\" id=\"t1g_98\" style=\"left:621px;bottom:545px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">interruptions, and represent the possible future outcomes and management\u2019s best </div>\n<div class=\"t sb_98\" id=\"t1h_98\" style=\"left:621px;bottom:527px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">estimate as to their likelihood. </div>\n<div class=\"t sa_98\" id=\"t1i_98\" style=\"left:621px;bottom:497px;word-spacing:-0.12px;display:inline;\">Gross profit margin </div>\n<div class=\"t sb_98\" id=\"t1j_98\" style=\"left:621px;bottom:475px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Management applied an expected gross margin of 15% on its future revenue projections, </div>\n<div class=\"t sb_98\" id=\"t1k_98\" style=\"left:621px;bottom:456px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">a slight increase on actual results for the year ended 31 December 2022 (14%). This is due </div>\n<div class=\"t sb_98\" id=\"t1l_98\" style=\"left:621px;bottom:438px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">to the fact that the customer mix in future periods, as a result of the lost key customer, </div>\n<div class=\"t sb_98\" id=\"t1m_98\" style=\"left:621px;bottom:420px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">is expected to result in a higher margin. </div>\n<div class=\"t sb_98\" id=\"t1n_98\" style=\"left:621px;bottom:388px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of </div>\n<div class=\"t sb_98\" id=\"t1o_98\" style=\"left:621px;bottom:370px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">changes in various key assumptions (in base percentage point terms) have on the value </div>\n<div class=\"t sb_98\" id=\"t1p_98\" style=\"left:621px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.12px;display:inline;\">of the impairment. The Base column refers to the value of the impairment following the </div>\n<div class=\"t sb_98\" id=\"t1q_98\" style=\"left:621px;bottom:333px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">review completed by management. </div>\n<div class=\"t sc_98\" id=\"t1r_98\" style=\"left:626px;bottom:282px;letter-spacing:-0.15px;word-spacing:-0.06px;display:inline;\">Sensitivity Analysis \u2013 Impact on impairment </div>\n<div class=\"t sc_98\" id=\"t1s_98\" style=\"left:960px;bottom:298px;letter-spacing:-0.01px;word-spacing:-0.13px;display:inline;\">- % </div>\n<div class=\"t sc_98\" id=\"t1t_98\" style=\"left:939px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_98\" id=\"t1u_98\" style=\"left:1030px;bottom:298px;letter-spacing:-0.14px;display:inline;\">Base </div>\n<div class=\"t sc_98\" id=\"t1v_98\" style=\"left:1017px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_98\" id=\"t1w_98\" style=\"left:1115px;bottom:298px;letter-spacing:-0.01px;word-spacing:-0.13px;display:inline;\">+ % </div>\n<div class=\"t sc_98\" id=\"t1x_98\" style=\"left:1095px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_98\" id=\"t1y_98\" style=\"left:626px;bottom:260px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_98\" id=\"t1z_98\" style=\"left:707px;bottom:260px;letter-spacing:0.09px;display:inline;\">( +/- 2%) </div><div class=\"t se_98\" id=\"t20_98\" style=\"left:934px;bottom:260px;letter-spacing:0.29px;display:inline;\">10,548 </div><div class=\"t se_98\" id=\"t21_98\" style=\"left:1013px;bottom:260px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t22_98\" style=\"left:1091px;bottom:260px;letter-spacing:0.15px;display:inline;\">10,575 </div>\n<div class=\"t s4_98\" id=\"t23_98\" style=\"left:626px;bottom:238px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Gross Income </div><div class=\"t sd_98\" id=\"t24_98\" style=\"left:703px;bottom:238px;letter-spacing:0.09px;display:inline;\">( +/- 5%) </div><div class=\"t se_98\" id=\"t25_98\" style=\"left:935px;bottom:238px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t26_98\" style=\"left:1013px;bottom:238px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t27_98\" style=\"left:1091px;bottom:238px;letter-spacing:0.07px;display:inline;\">10,071 </div>\n<div class=\"t s4_98\" id=\"t28_98\" style=\"left:626px;bottom:215px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Gross Profit Margin </div><div class=\"t sd_98\" id=\"t29_98\" style=\"left:737px;bottom:215px;letter-spacing:0.09px;display:inline;\">( +/- 2%) </div><div class=\"t se_98\" id=\"t2a_98\" style=\"left:935px;bottom:215px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t2b_98\" style=\"left:1013px;bottom:215px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t2c_98\" style=\"left:1090px;bottom:215px;letter-spacing:0.28px;display:inline;\">10,484 </div><div></div><div class=\"t s1_99\" id=\"t1_99\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_99\" id=\"t2_99\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_99\" id=\"t3_99\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_99\" id=\"t4_99\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_99\" id=\"t5_99\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_99\" id=\"t6_99\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_99\" id=\"t7_99\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_99\" id=\"t8_99\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_99\" id=\"t9_99\" style=\"left:1106px;bottom:878px;letter-spacing:-0.65px;display:inline;\"></div>\n<div class=\"t sa_99\" id=\"te_99\" style=\"left:74px;bottom:745px;letter-spacing:0.02px;display:inline;\">Innecto </div>\n<div class=\"t sb_99\" id=\"tf_99\" style=\"left:74px;bottom:722px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">The second cash generating unit (CGU) considered was the Innecto business as a whole. </div>\n<div class=\"t sb_99\" id=\"tg_99\" style=\"left:74px;bottom:704px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the purpose of the value in use model, the CGU value is comprised of the goodwill </div>\n<div class=\"t sb_99\" id=\"th_99\" style=\"left:74px;bottom:686px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">allocated, the carrying value of the intangible assets recognised on acquisition and the </div>\n<div class=\"t sb_99\" id=\"ti_99\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">assets of the CGU such that the carrying amount of the CGU has been determined on a </div>\n<div class=\"t sb_99\" id=\"tj_99\" style=\"left:74px;bottom:647px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">basis consistent with the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_99\" id=\"tk_99\" style=\"left:74px;bottom:616px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">An expected cash flow approach, similar to that applied to PG Let\u2019s Connect, was used </div>\n<div class=\"t sb_99\" id=\"tl_99\" style=\"left:74px;bottom:598px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">applying multiple scenarios and affixed probabilities that were deemed to be appropriate </div>\n<div class=\"t sb_99\" id=\"tm_99\" style=\"left:74px;bottom:579px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">under management\u2019s best understanding of the business. </div>\n<div class=\"t sa_99\" id=\"tn_99\" style=\"left:74px;bottom:549px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_99\" id=\"to_99\" style=\"left:74px;bottom:527px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model </div>\n<div class=\"t sb_99\" id=\"tp_99\" style=\"left:74px;bottom:509px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">including a long-term growth rate of 2.3% (30-year average of UK consumer price index). </div>\n<div class=\"t sb_99\" id=\"tq_99\" style=\"left:74px;bottom:490px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These cash flows were then discounted using a risk mitigating post-tax discount rate </div>\n<div class=\"t sb_99\" id=\"tr_99\" style=\"left:74px;bottom:472px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">of 22.4% (2021: 22.4%) based on Innecto\u2019s weighted average cost of capital, using the </div>\n<div class=\"t sb_99\" id=\"ts_99\" style=\"left:74px;bottom:454px;letter-spacing:-0.02px;word-spacing:-0.08px;display:inline;\">capital asset pricing model with a risk premium in line with the risks associated with the </div>\n<div class=\"t sb_99\" id=\"tt_99\" style=\"left:74px;bottom:435px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">uncertainties around the forecasted growth. </div>\n<div class=\"t sa_99\" id=\"tu_99\" style=\"left:74px;bottom:405px;letter-spacing:0.04px;display:inline;\">Sensitivity </div>\n<div class=\"t sb_99\" id=\"tv_99\" style=\"left:74px;bottom:383px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">While management are confident that Innecto will generate forecasted income, it is </div>\n<div class=\"t sb_99\" id=\"tw_99\" style=\"left:74px;bottom:365px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">recognised that there is an inherent uncertainty within the forecasted cash flows used </div>\n<div class=\"t sb_99\" id=\"tx_99\" style=\"left:74px;bottom:346px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">in the impairment model due to the expected growth. </div>\n<div class=\"t sb_99\" id=\"ty_99\" style=\"left:74px;bottom:315px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of various </div>\n<div class=\"t sb_99\" id=\"tz_99\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">changes (in base percentage point terms) on the headroom. The Base column refers to </div>\n<div class=\"t sb_99\" id=\"t10_99\" style=\"left:74px;bottom:278px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the headroom on the impairment review model completed by management. </div>\n<div class=\"t sc_99\" id=\"t11_99\" style=\"left:78px;bottom:242px;letter-spacing:-0.04px;word-spacing:-0.32px;display:inline;\">Sensitivity Analysis </div>\n<div class=\"t sc_99\" id=\"t12_99\" style=\"left:78px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u2013 Impact on headroom </div>\n<div class=\"t sc_99\" id=\"t13_99\" style=\"left:386px;bottom:242px;letter-spacing:-0.01px;display:inline;\">- % </div>\n<div class=\"t sc_99\" id=\"t14_99\" style=\"left:365px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t15_99\" style=\"left:464px;bottom:242px;letter-spacing:-0.01px;display:inline;\">Base </div>\n<div class=\"t sc_99\" id=\"t16_99\" style=\"left:451px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t17_99\" style=\"left:559px;bottom:242px;letter-spacing:-0.01px;display:inline;\">+ % </div>\n<div class=\"t sc_99\" id=\"t18_99\" style=\"left:538px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_99\" id=\"t19_99\" style=\"left:78px;bottom:205px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_99\" id=\"t1a_99\" style=\"left:159px;bottom:205px;letter-spacing:0.09px;display:inline;\">(+/- 2.5%) </div><div class=\"t se_99\" id=\"t1b_99\" style=\"left:376px;bottom:205px;letter-spacing:0.21px;display:inline;\">2,091 </div><div class=\"t se_99\" id=\"t1c_99\" style=\"left:463px;bottom:205px;letter-spacing:0.24px;display:inline;\">1,438 </div><div class=\"t se_99\" id=\"t1d_99\" style=\"left:559px;bottom:205px;letter-spacing:0.03px;display:inline;\">937 </div>\n<div class=\"t s4_99\" id=\"t1e_99\" style=\"left:78px;bottom:182px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Terminal Growth Rate </div><div class=\"t sd_99\" id=\"t1f_99\" style=\"left:203px;bottom:182px;letter-spacing:0.09px;display:inline;\">(+/- 1%) </div><div class=\"t se_99\" id=\"t1g_99\" style=\"left:376px;bottom:182px;letter-spacing:0.28px;display:inline;\">1,301 </div><div class=\"t se_99\" id=\"t1h_99\" style=\"left:463px;bottom:182px;letter-spacing:0.24px;display:inline;\">1,438 </div><div class=\"t se_99\" id=\"t1i_99\" style=\"left:549px;bottom:182px;letter-spacing:0.29px;display:inline;\">1,577 </div>\n<div class=\"t sa_99\" id=\"t1j_99\" style=\"left:621px;bottom:767px;letter-spacing:-0.14px;display:inline;\">QCG </div>\n<div class=\"t sb_99\" id=\"t1k_99\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">The third cash generating unit (CGU) considered was for QCG. For the purpose of the </div>\n<div class=\"t sb_99\" id=\"t1l_99\" style=\"left:621px;bottom:726px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">value in use model, the CGU value is comprised of the goodwill allocated, the carrying </div>\n<div class=\"t sb_99\" id=\"t1m_99\" style=\"left:621px;bottom:708px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">value of the intangible assets recognised on acquisition and the assets of the CGU such </div>\n<div class=\"t sb_99\" id=\"t1n_99\" style=\"left:621px;bottom:690px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">that the carrying amount of the CGU has been determined on a basis consistent with </div>\n<div class=\"t sb_99\" id=\"t1o_99\" style=\"left:621px;bottom:671px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_99\" id=\"t1p_99\" style=\"left:621px;bottom:640px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">An expected cash flow approach was used applying multiple scenarios and affixed </div>\n<div class=\"t sb_99\" id=\"t1q_99\" style=\"left:621px;bottom:622px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">probabilities that were deemed to be appropriate under management\u2019s best </div>\n<div class=\"t sb_99\" id=\"t1r_99\" style=\"left:621px;bottom:603px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">understanding of the business. </div>\n<div class=\"t sa_99\" id=\"t1s_99\" style=\"left:621px;bottom:573px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_99\" id=\"t1t_99\" style=\"left:621px;bottom:551px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model </div>\n<div class=\"t sb_99\" id=\"t1u_99\" style=\"left:621px;bottom:532px;letter-spacing:-0.18px;word-spacing:0.04px;display:inline;\">including a long-term growth rate of 2.3% (30-year average of UK consumer price index). </div>\n<div class=\"t sb_99\" id=\"t1v_99\" style=\"left:621px;bottom:514px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These cash flows were then discounted using a risk mitigating post-tax discount rate of </div>\n<div class=\"t sb_99\" id=\"t1w_99\" style=\"left:621px;bottom:496px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">24.8% based on QCG\u2019s weighted average cost of capital, using the capital asset pricing </div>\n<div class=\"t sb_99\" id=\"t1x_99\" style=\"left:621px;bottom:477px;letter-spacing:-0.15px;word-spacing:-0.08px;display:inline;\">model with a risk premium in line with the risks associated with the uncertainties around </div>\n<div class=\"t sb_99\" id=\"t1y_99\" style=\"left:621px;bottom:459px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">the forecasted growth. </div>\n<div class=\"t sa_99\" id=\"t1z_99\" style=\"left:621px;bottom:429px;letter-spacing:0.04px;display:inline;\">Sensitivity </div>\n<div class=\"t sb_99\" id=\"t20_99\" style=\"left:621px;bottom:407px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">While management are confident that QCG will generate forecasted income, it is </div>\n<div class=\"t sb_99\" id=\"t21_99\" style=\"left:621px;bottom:388px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">recognised that there is an inherent uncertainty within the forecasted cash flows used </div>\n<div class=\"t sb_99\" id=\"t22_99\" style=\"left:621px;bottom:370px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">in the impairment model due to the expected growth. </div>\n<div class=\"t sb_99\" id=\"t23_99\" style=\"left:621px;bottom:339px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of various </div>\n<div class=\"t sb_99\" id=\"t24_99\" style=\"left:621px;bottom:320px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">changes (in base percentage point terms) on the headroom. The Base column refers to </div>\n<div class=\"t sb_99\" id=\"t25_99\" style=\"left:621px;bottom:302px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the headroom on the impairment review model completed by management. </div>\n<div class=\"t sc_99\" id=\"t26_99\" style=\"left:626px;bottom:266px;letter-spacing:-0.04px;word-spacing:-0.32px;display:inline;\">Sensitivity Analysis </div>\n<div class=\"t sc_99\" id=\"t27_99\" style=\"left:626px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u2013 Impact on headroom </div>\n<div class=\"t sc_99\" id=\"t28_99\" style=\"left:932px;bottom:266px;letter-spacing:-0.01px;display:inline;\">- % </div>\n<div class=\"t sc_99\" id=\"t29_99\" style=\"left:910px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t2a_99\" style=\"left:1010px;bottom:266px;letter-spacing:-0.01px;display:inline;\">Base </div>\n<div class=\"t sc_99\" id=\"t2b_99\" style=\"left:997px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t2c_99\" style=\"left:1105px;bottom:266px;letter-spacing:-0.01px;display:inline;\">+ % </div>\n<div class=\"t sc_99\" id=\"t2d_99\" style=\"left:1084px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_99\" id=\"t2e_99\" style=\"left:626px;bottom:226px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_99\" id=\"t2f_99\" style=\"left:707px;bottom:226px;letter-spacing:0.1px;display:inline;\">(+/- 3%) </div><div class=\"t se_99\" id=\"t2g_99\" style=\"left:931px;bottom:226px;letter-spacing:0.36px;display:inline;\">382 </div><div class=\"t se_99\" id=\"t2h_99\" style=\"left:1018px;bottom:226px;letter-spacing:0.03px;display:inline;\">141 </div><div class=\"t se_99\" id=\"t2i_99\" style=\"left:1114px;bottom:226px;letter-spacing:0.05px;display:inline;\">(1) </div>\n<div class=\"t s4_99\" id=\"t2j_99\" style=\"left:626px;bottom:202px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Terminal Growth Rate </div><div class=\"t sd_99\" id=\"t2k_99\" style=\"left:751px;bottom:202px;letter-spacing:0.09px;display:inline;\">(+/- 1%) </div><div class=\"t se_99\" id=\"t2l_99\" style=\"left:931px;bottom:202px;letter-spacing:0.32px;display:inline;\">109 </div><div class=\"t se_99\" id=\"t2m_99\" style=\"left:1018px;bottom:202px;letter-spacing:0.03px;display:inline;\">141 </div><div class=\"t se_99\" id=\"t2n_99\" style=\"left:1105px;bottom:202px;letter-spacing:-0.26px;display:inline;\">174 </div>\n<div class=\"t sb_99\" id=\"t2o_99\" style=\"left:621px;bottom:163px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Management believe that there is no cause for an impairment in either QCG or Innecto. </div>\n<div class=\"t sb_99\" id=\"t2p_99\" style=\"left:621px;bottom:145px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">In addition to the future benefits built into each CGU, there are benefits of each to </div>\n<div class=\"t sb_99\" id=\"t2q_99\" style=\"left:621px;bottom:126px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the wider Group as a result of improved market penetration, marketing expertise and </div>\n<div class=\"t sb_99\" id=\"t2r_99\" style=\"left:621px;bottom:108px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">additional cross-selling opportunities made available. </div><div></div><div class=\"t s1_100\" id=\"t1_100\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_100\" id=\"t2_100\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_100\" id=\"t3_100\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_100\" id=\"t4_100\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_100\" id=\"t5_100\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_100\" id=\"t6_100\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_100\" id=\"t7_100\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_100\" id=\"t8_100\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_100\" id=\"t9_100\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"> </div>\n<div class=\"t s8_100\" id=\"tc_100\" style=\"left:74px;bottom:765px;letter-spacing:0.22px;word-spacing:2.16px;display:inline;\">15 Intangible assets </div>\n<div class=\"t s9_100\" id=\"td_100\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_100\" id=\"te_100\" style=\"left:496px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sa_100\" id=\"tf_100\" style=\"left:522px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sa_100\" id=\"tg_100\" style=\"left:520px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"th_100\" style=\"left:569px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sa_100\" id=\"ti_100\" style=\"left:593px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sa_100\" id=\"tj_100\" style=\"left:592px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sa_100\" id=\"tk_100\" style=\"left:582px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sa_100\" id=\"tl_100\" style=\"left:615px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tm_100\" style=\"left:699px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sa_100\" id=\"tn_100\" style=\"left:677px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sa_100\" id=\"to_100\" style=\"left:711px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tp_100\" style=\"left:781px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_100\" id=\"tq_100\" style=\"left:761px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sa_100\" id=\"tr_100\" style=\"left:761px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sa_100\" id=\"ts_100\" style=\"left:806px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tt_100\" style=\"left:877px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sa_100\" id=\"tu_100\" style=\"left:874px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sa_100\" id=\"tv_100\" style=\"left:877px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sa_100\" id=\"tw_100\" style=\"left:881px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sa_100\" id=\"tx_100\" style=\"left:901px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"ty_100\" style=\"left:1007px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sa_100\" id=\"tz_100\" style=\"left:996px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"t10_100\" style=\"left:1096px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_100\" id=\"t11_100\" style=\"left:1092px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_100\" id=\"t12_100\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_100\" id=\"t13_100\" style=\"left:78px;bottom:600px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t14_100\" style=\"left:525px;bottom:600px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t15_100\" style=\"left:630px;bottom:600px;letter-spacing:0.28px;display:inline;\">726 </div><div class=\"t sc_100\" id=\"t16_100\" style=\"left:725px;bottom:600px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t17_100\" style=\"left:810px;bottom:600px;letter-spacing:0.37px;display:inline;\">2,287 </div><div class=\"t sc_100\" id=\"t18_100\" style=\"left:916px;bottom:600px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t19_100\" style=\"left:1011px;bottom:600px;letter-spacing:0.34px;display:inline;\">198 </div><div class=\"t sc_100\" id=\"t1a_100\" style=\"left:1097px;bottom:600px;letter-spacing:0.23px;display:inline;\">5,663 </div>\n<div class=\"t sb_100\" id=\"t1b_100\" style=\"left:78px;bottom:577px;letter-spacing:0.08px;display:inline;\">Acquisitions </div><div class=\"t s4_100\" id=\"t1c_100\" style=\"left:548px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1d_100\" style=\"left:630px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div><div class=\"t s4_100\" id=\"t1e_100\" style=\"left:738px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1f_100\" style=\"left:833px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1g_100\" style=\"left:929px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1h_100\" style=\"left:1024px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1i_100\" style=\"left:1107px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div>\n<div class=\"t sb_100\" id=\"t1j_100\" style=\"left:78px;bottom:555px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_100\" id=\"t1k_100\" style=\"left:548px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1l_100\" style=\"left:643px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1m_100\" style=\"left:738px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1n_100\" style=\"left:821px;bottom:555px;letter-spacing:0.26px;display:inline;\">201 </div><div class=\"t s4_100\" id=\"t1o_100\" style=\"left:929px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1p_100\" style=\"left:1011px;bottom:555px;letter-spacing:0.32px;display:inline;\">995 </div><div class=\"t sc_100\" id=\"t1q_100\" style=\"left:1096px;bottom:555px;letter-spacing:0.41px;display:inline;\">1,196 </div>\n<div class=\"t sb_100\" id=\"t1r_100\" style=\"left:78px;bottom:533px;letter-spacing:0.03px;display:inline;\">Transfers </div><div class=\"t s4_100\" id=\"t1s_100\" style=\"left:548px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1t_100\" style=\"left:643px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1u_100\" style=\"left:738px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1v_100\" style=\"left:821px;bottom:533px;letter-spacing:0.38px;display:inline;\">190 </div><div class=\"t s4_100\" id=\"t1w_100\" style=\"left:929px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1x_100\" style=\"left:1008px;bottom:533px;letter-spacing:0.24px;display:inline;\">(190) </div><div class=\"t s4_100\" id=\"t1y_100\" style=\"left:1119px;bottom:533px;display:inline;\">\u2013 </div>\n<div class=\"t sb_100\" id=\"t1z_100\" style=\"left:78px;bottom:511px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_100\" id=\"t20_100\" style=\"left:548px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t21_100\" style=\"left:643px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t22_100\" style=\"left:738px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t23_100\" style=\"left:833px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t24_100\" style=\"left:929px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t25_100\" style=\"left:1024px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t26_100\" style=\"left:1119px;bottom:511px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t27_100\" style=\"left:78px;bottom:489px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_100\" id=\"t28_100\" style=\"left:524px;bottom:489px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t29_100\" style=\"left:620px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,063 </div><div class=\"t sc_100\" id=\"t2a_100\" style=\"left:725px;bottom:489px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t2b_100\" style=\"left:811px;bottom:489px;letter-spacing:0.27px;display:inline;\">2,678 </div><div class=\"t sc_100\" id=\"t2c_100\" style=\"left:916px;bottom:489px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t2d_100\" style=\"left:1001px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t2e_100\" style=\"left:1097px;bottom:489px;letter-spacing:0.12px;display:inline;\">7,196 </div>\n<div class=\"t sb_100\" id=\"t2f_100\" style=\"left:78px;bottom:467px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sb_100\" id=\"t2g_100\" style=\"left:78px;bottom:444px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t2h_100\" style=\"left:524px;bottom:444px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t2i_100\" style=\"left:630px;bottom:444px;letter-spacing:0.31px;display:inline;\">411 </div><div class=\"t sc_100\" id=\"t2j_100\" style=\"left:726px;bottom:444px;letter-spacing:0.16px;display:inline;\">170 </div><div class=\"t sc_100\" id=\"t2k_100\" style=\"left:810px;bottom:444px;letter-spacing:0.36px;display:inline;\">1,293 </div><div class=\"t sc_100\" id=\"t2l_100\" style=\"left:916px;bottom:444px;letter-spacing:0.42px;display:inline;\">504 </div><div class=\"t s4_100\" id=\"t2m_100\" style=\"left:1024px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2n_100\" style=\"left:1097px;bottom:444px;letter-spacing:0.29px;display:inline;\">4,026 </div>\n<div class=\"t sb_100\" id=\"t2o_100\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_100\" id=\"t2p_100\" style=\"left:548px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2q_100\" style=\"left:630px;bottom:422px;letter-spacing:0.2px;display:inline;\">179 </div><div class=\"t sc_100\" id=\"t2r_100\" style=\"left:732px;bottom:422px;letter-spacing:0.44px;display:inline;\">60 </div><div class=\"t sc_100\" id=\"t2s_100\" style=\"left:821px;bottom:422px;letter-spacing:0.36px;display:inline;\">545 </div><div class=\"t sc_100\" id=\"t2t_100\" style=\"left:929px;bottom:422px;display:inline;\">2 </div><div class=\"t s4_100\" id=\"t2u_100\" style=\"left:1024px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2v_100\" style=\"left:1106px;bottom:422px;letter-spacing:0.32px;display:inline;\">786 </div>\n<div class=\"t sb_100\" id=\"t2w_100\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_100\" id=\"t2x_100\" style=\"left:548px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2y_100\" style=\"left:643px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2z_100\" style=\"left:738px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t30_100\" style=\"left:833px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t31_100\" style=\"left:929px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t32_100\" style=\"left:1024px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t33_100\" style=\"left:1119px;bottom:400px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t34_100\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sd_100\" id=\"t35_100\" style=\"left:524px;bottom:378px;letter-spacing:0.09px;display:inline;\">1,648 </div><div class=\"t s4_100\" id=\"t36_100\" style=\"left:628px;bottom:378px;letter-spacing:0.13px;display:inline;\">590 </div><div class=\"t s4_100\" id=\"t37_100\" style=\"left:724px;bottom:378px;letter-spacing:0.13px;display:inline;\">230 </div><div class=\"t sd_100\" id=\"t38_100\" style=\"left:810px;bottom:378px;letter-spacing:0.11px;display:inline;\">1,838 </div><div class=\"t sd_100\" id=\"t39_100\" style=\"left:914px;bottom:378px;letter-spacing:0.13px;display:inline;\">506 </div><div class=\"t s4_100\" id=\"t3a_100\" style=\"left:1024px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sd_100\" id=\"t3b_100\" style=\"left:1096px;bottom:378px;letter-spacing:0.11px;display:inline;\">4,812 </div>\n<div class=\"t s4_100\" id=\"t3c_100\" style=\"left:78px;bottom:356px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t s4_100\" id=\"t3d_100\" style=\"left:548px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3e_100\" style=\"left:630px;bottom:356px;letter-spacing:0.19px;display:inline;\">473 </div><div class=\"t s4_100\" id=\"t3f_100\" style=\"left:732px;bottom:356px;letter-spacing:0.44px;display:inline;\">68 </div><div class=\"t sc_100\" id=\"t3g_100\" style=\"left:820px;bottom:356px;letter-spacing:0.46px;display:inline;\">840 </div><div class=\"t s4_100\" id=\"t3h_100\" style=\"left:929px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3i_100\" style=\"left:1001px;bottom:356px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t3j_100\" style=\"left:1096px;bottom:356px;letter-spacing:0.43px;display:inline;\">2,384 </div>\n<div class=\"t sb_100\" id=\"t3k_100\" style=\"left:78px;bottom:334px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t se_100\" id=\"t3l_100\" style=\"left:548px;bottom:334px;display:inline;\">\u2013 </div><div class=\"t se_100\" id=\"t3m_100\" style=\"left:630px;bottom:334px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t sf_100\" id=\"t3n_100\" style=\"left:725px;bottom:334px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t sf_100\" id=\"t3o_100\" style=\"left:820px;bottom:334px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t sf_100\" id=\"t3p_100\" style=\"left:929px;bottom:334px;display:inline;\">2 </div><div class=\"t sf_100\" id=\"t3q_100\" style=\"left:1011px;bottom:334px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_100\" id=\"t3r_100\" style=\"left:1097px;bottom:334px;letter-spacing:0.13px;display:inline;\">1,637 </div> \n<div class=\"t sg_100\" id=\"t3s_100\" style=\"left:74px;bottom:295px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">The Pay &amp; Reward customer values and trademark include acquired intangibles relating to Innecto and QCG. This, and the Innecto technologies, is being amortised through the </div>\n<div class=\"t sh_100\" id=\"t3t_100\" style=\"left:74px;bottom:276px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">consolidated income statement over a five-year period. The net carrying values on 31 December 2022 have been assessed for impairment and no impairment was deemed necessary. </div>\n<div class=\"t sh_100\" id=\"t3u_100\" style=\"left:74px;bottom:258px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">The assets were assessed in conjunction with the goodwill value in Note 14. The total value of amortisation relating to acquired intangibles was \u00a3238k (2021: \u00a3205k). </div><div></div><div class=\"t s1_101\" id=\"t1_101\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_101\" id=\"t2_101\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_101\" id=\"t3_101\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_101\" id=\"t4_101\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_101\" id=\"t5_101\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_101\" id=\"t6_101\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_101\" id=\"t7_101\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_101\" id=\"t8_101\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_101\" id=\"t9_101\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n<div class=\"t sa_101\" id=\"te_101\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_101\" id=\"tf_101\" style=\"left:498px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sb_101\" id=\"tg_101\" style=\"left:523px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sb_101\" id=\"th_101\" style=\"left:521px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"ti_101\" style=\"left:570px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sb_101\" id=\"tj_101\" style=\"left:594px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sb_101\" id=\"tk_101\" style=\"left:594px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sb_101\" id=\"tl_101\" style=\"left:583px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sb_101\" id=\"tm_101\" style=\"left:617px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tn_101\" style=\"left:700px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sb_101\" id=\"to_101\" style=\"left:679px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sb_101\" id=\"tp_101\" style=\"left:712px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tq_101\" style=\"left:782px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_101\" id=\"tr_101\" style=\"left:762px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sb_101\" id=\"ts_101\" style=\"left:763px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sb_101\" id=\"tt_101\" style=\"left:807px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tu_101\" style=\"left:878px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sb_101\" id=\"tv_101\" style=\"left:876px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sb_101\" id=\"tw_101\" style=\"left:878px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sb_101\" id=\"tx_101\" style=\"left:882px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sb_101\" id=\"ty_101\" style=\"left:902px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tz_101\" style=\"left:1008px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sb_101\" id=\"t10_101\" style=\"left:998px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"t11_101\" style=\"left:1097px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_101\" id=\"t12_101\" style=\"left:1093px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_101\" id=\"t13_101\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_101\" id=\"t14_101\" style=\"left:78px;bottom:600px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t15_101\" style=\"left:526px;bottom:600px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t16_101\" style=\"left:632px;bottom:600px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t17_101\" style=\"left:727px;bottom:600px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t18_101\" style=\"left:813px;bottom:600px;letter-spacing:0.26px;display:inline;\">1,520 </div><div class=\"t se_101\" id=\"t19_101\" style=\"left:917px;bottom:600px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t sd_101\" id=\"t1a_101\" style=\"left:1025px;bottom:600px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1b_101\" style=\"left:1099px;bottom:600px;letter-spacing:0.17px;display:inline;\">4,698 </div>\n<div class=\"t sc_101\" id=\"t1c_101\" style=\"left:78px;bottom:577px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t sd_101\" id=\"t1d_101\" style=\"left:549px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1e_101\" style=\"left:644px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1f_101\" style=\"left:740px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1g_101\" style=\"left:822px;bottom:577px;letter-spacing:0.21px;display:inline;\">783 </div><div class=\"t sd_101\" id=\"t1h_101\" style=\"left:930px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1i_101\" style=\"left:1012px;bottom:577px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_101\" id=\"t1j_101\" style=\"left:1108px;bottom:577px;letter-spacing:0.3px;display:inline;\">981 </div>\n<div class=\"t sc_101\" id=\"t1k_101\" style=\"left:78px;bottom:555px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t sd_101\" id=\"t1l_101\" style=\"left:549px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1m_101\" style=\"left:644px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1n_101\" style=\"left:740px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1o_101\" style=\"left:826px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div><div class=\"t sd_101\" id=\"t1p_101\" style=\"left:930px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1q_101\" style=\"left:1025px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1r_101\" style=\"left:1111px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div>\n<div class=\"t sc_101\" id=\"t1s_101\" style=\"left:78px;bottom:533px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t1t_101\" style=\"left:526px;bottom:533px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t1u_101\" style=\"left:632px;bottom:533px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t1v_101\" style=\"left:727px;bottom:533px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t1w_101\" style=\"left:813px;bottom:533px;letter-spacing:0.22px;display:inline;\">2,287 </div><div class=\"t se_101\" id=\"t1x_101\" style=\"left:917px;bottom:533px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t se_101\" id=\"t1y_101\" style=\"left:1012px;bottom:533px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t1z_101\" style=\"left:1099px;bottom:533px;letter-spacing:0.15px;display:inline;\">5,663 </div>\n<div class=\"t sc_101\" id=\"t20_101\" style=\"left:78px;bottom:511px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sc_101\" id=\"t21_101\" style=\"left:78px;bottom:489px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t22_101\" style=\"left:526px;bottom:489px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t23_101\" style=\"left:631px;bottom:489px;letter-spacing:0.34px;display:inline;\">266 </div><div class=\"t se_101\" id=\"t24_101\" style=\"left:727px;bottom:489px;letter-spacing:0.26px;display:inline;\">110 </div><div class=\"t se_101\" id=\"t25_101\" style=\"left:822px;bottom:489px;letter-spacing:0.36px;display:inline;\">923 </div><div class=\"t se_101\" id=\"t26_101\" style=\"left:917px;bottom:489px;letter-spacing:0.28px;display:inline;\">498 </div><div class=\"t sd_101\" id=\"t27_101\" style=\"left:1025px;bottom:489px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t28_101\" style=\"left:1098px;bottom:489px;letter-spacing:0.23px;display:inline;\">3,445 </div>\n<div class=\"t sc_101\" id=\"t29_101\" style=\"left:78px;bottom:467px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t sd_101\" id=\"t2a_101\" style=\"left:549px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2b_101\" style=\"left:632px;bottom:467px;letter-spacing:0.12px;display:inline;\">145 </div><div class=\"t se_101\" id=\"t2c_101\" style=\"left:733px;bottom:467px;letter-spacing:0.46px;display:inline;\">60 </div><div class=\"t sd_101\" id=\"t2d_101\" style=\"left:823px;bottom:467px;letter-spacing:-0.2px;display:inline;\">374 </div><div class=\"t sd_101\" id=\"t2e_101\" style=\"left:930px;bottom:467px;display:inline;\">6 </div><div class=\"t sd_101\" id=\"t2f_101\" style=\"left:1025px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2g_101\" style=\"left:1108px;bottom:467px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sc_101\" id=\"t2h_101\" style=\"left:78px;bottom:444px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t sd_101\" id=\"t2i_101\" style=\"left:549px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2j_101\" style=\"left:644px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2k_101\" style=\"left:740px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2l_101\" style=\"left:832px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div><div class=\"t sd_101\" id=\"t2m_101\" style=\"left:930px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2n_101\" style=\"left:1025px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2o_101\" style=\"left:1118px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div>\n<div class=\"t sc_101\" id=\"t2p_101\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t2q_101\" style=\"left:526px;bottom:422px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t sd_101\" id=\"t2r_101\" style=\"left:632px;bottom:422px;letter-spacing:0.14px;display:inline;\">411 </div><div class=\"t se_101\" id=\"t2s_101\" style=\"left:727px;bottom:422px;letter-spacing:0.01px;display:inline;\">170 </div><div class=\"t se_101\" id=\"t2t_101\" style=\"left:813px;bottom:422px;letter-spacing:0.23px;display:inline;\">1,293 </div><div class=\"t se_101\" id=\"t2u_101\" style=\"left:917px;bottom:422px;letter-spacing:0.47px;display:inline;\">504 </div><div class=\"t sd_101\" id=\"t2v_101\" style=\"left:1025px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t2w_101\" style=\"left:1099px;bottom:422px;letter-spacing:0.2px;display:inline;\">4,026 </div>\n<div class=\"t s4_101\" id=\"t2x_101\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_101\" id=\"t2y_101\" style=\"left:549px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2z_101\" style=\"left:631px;bottom:400px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t se_101\" id=\"t30_101\" style=\"left:727px;bottom:400px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t se_101\" id=\"t31_101\" style=\"left:822px;bottom:400px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t se_101\" id=\"t32_101\" style=\"left:930px;bottom:400px;display:inline;\">2 </div><div class=\"t se_101\" id=\"t33_101\" style=\"left:1012px;bottom:400px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t34_101\" style=\"left:1099px;bottom:400px;letter-spacing:0.13px;display:inline;\">1,637 </div>\n<div class=\"t sc_101\" id=\"t35_101\" style=\"left:78px;bottom:378px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2020 </div><div class=\"t sd_101\" id=\"t36_101\" style=\"left:549px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t37_101\" style=\"left:631px;bottom:378px;letter-spacing:0.43px;display:inline;\">460 </div><div class=\"t sd_101\" id=\"t38_101\" style=\"left:727px;bottom:378px;letter-spacing:0.4px;display:inline;\">188 </div><div class=\"t se_101\" id=\"t39_101\" style=\"left:822px;bottom:378px;letter-spacing:0.28px;display:inline;\">598 </div><div class=\"t sd_101\" id=\"t3a_101\" style=\"left:930px;bottom:378px;display:inline;\">8 </div><div class=\"t sd_101\" id=\"t3b_101\" style=\"left:1025px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t3c_101\" style=\"left:1098px;bottom:378px;letter-spacing:0.38px;display:inline;\">1,254 </div><div></div><div class=\"t s1_102\" id=\"t1_102\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_102\" id=\"t2_102\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_102\" id=\"t3_102\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_102\" id=\"t4_102\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_102\" id=\"t5_102\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_102\" id=\"t6_102\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_102\" id=\"t7_102\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_102\" id=\"t8_102\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_102\" id=\"t9_102\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"></div>\n<div class=\"t s8_102\" id=\"tc_102\" style=\"left:74px;bottom:765px;letter-spacing:0.21px;word-spacing:1.05px;display:inline;\">16 Property, plant and equipment </div>\n<div class=\"t s9_102\" id=\"td_102\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_102\" id=\"te_102\" style=\"left:473px;bottom:692px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Freehold land </div>\n<div class=\"t sa_102\" id=\"tf_102\" style=\"left:471px;bottom:676px;letter-spacing:-0.27px;word-spacing:0.01px;display:inline;\">and properties </div>\n<div class=\"t sa_102\" id=\"tg_102\" style=\"left:520px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"th_102\" style=\"left:613px;bottom:692px;letter-spacing:-0.03px;display:inline;\">Motor </div>\n<div class=\"t sa_102\" id=\"ti_102\" style=\"left:601px;bottom:676px;letter-spacing:-0.03px;display:inline;\">vehicles </div>\n<div class=\"t sa_102\" id=\"tj_102\" style=\"left:615px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tk_102\" style=\"left:685px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_102\" id=\"tl_102\" style=\"left:680px;bottom:676px;letter-spacing:-0.01px;display:inline;\">equipment </div>\n<div class=\"t sa_102\" id=\"tm_102\" style=\"left:711px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tn_102\" style=\"left:783px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Furniture </div>\n<div class=\"t sa_102\" id=\"to_102\" style=\"left:781px;bottom:692px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">fixtures &amp; </div>\n<div class=\"t sa_102\" id=\"tp_102\" style=\"left:795px;bottom:676px;letter-spacing:-0.01px;display:inline;\">fittings </div>\n<div class=\"t sa_102\" id=\"tq_102\" style=\"left:806px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tr_102\" style=\"left:903px;bottom:692px;letter-spacing:-0.14px;display:inline;\">Lease </div>\n<div class=\"t sa_102\" id=\"ts_102\" style=\"left:850px;bottom:676px;letter-spacing:-0.17px;display:inline;\">improvements </div>\n<div class=\"t sa_102\" id=\"tt_102\" style=\"left:902px;bottom:660px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tu_102\" style=\"left:960px;bottom:692px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Right of use </div>\n<div class=\"t sa_102\" id=\"tv_102\" style=\"left:994px;bottom:676px;letter-spacing:-0.01px;display:inline;\">assets </div>\n<div class=\"t sa_102\" id=\"tw_102\" style=\"left:996px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tx_102\" style=\"left:1096px;bottom:676px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_102\" id=\"ty_102\" style=\"left:1092px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_102\" id=\"tz_102\" style=\"left:78px;bottom:638px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_102\" id=\"t10_102\" style=\"left:78px;bottom:616px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_102\" id=\"t11_102\" style=\"left:525px;bottom:616px;letter-spacing:0.18px;display:inline;\">5,037 </div><div class=\"t sc_102\" id=\"t12_102\" style=\"left:630px;bottom:616px;letter-spacing:0.32px;display:inline;\">157 </div><div class=\"t sc_102\" id=\"t13_102\" style=\"left:715px;bottom:616px;letter-spacing:0.41px;display:inline;\">1,112 </div><div class=\"t sc_102\" id=\"t14_102\" style=\"left:811px;bottom:616px;letter-spacing:0.34px;display:inline;\">2,310 </div><div class=\"t sc_102\" id=\"t15_102\" style=\"left:922px;bottom:616px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t16_102\" style=\"left:1001px;bottom:616px;letter-spacing:0.44px;display:inline;\">1,204 </div><div class=\"t s4_102\" id=\"t17_102\" style=\"left:1097px;bottom:616px;letter-spacing:0.25px;display:inline;\">9,858 </div>\n<div class=\"t sb_102\" id=\"t18_102\" style=\"left:78px;bottom:593px;letter-spacing:0.08px;display:inline;\">Acquisition </div><div class=\"t s4_102\" id=\"t19_102\" style=\"left:548px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1a_102\" style=\"left:643px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1b_102\" style=\"left:739px;bottom:593px;display:inline;\">7 </div><div class=\"t s4_102\" id=\"t1c_102\" style=\"left:833px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1d_102\" style=\"left:929px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1e_102\" style=\"left:1024px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1f_102\" style=\"left:1120px;bottom:593px;display:inline;\">7 </div>\n<div class=\"t sb_102\" id=\"t1g_102\" style=\"left:78px;bottom:571px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_102\" id=\"t1h_102\" style=\"left:548px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1i_102\" style=\"left:643px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1j_102\" style=\"left:725px;bottom:571px;letter-spacing:0.34px;display:inline;\">324 </div><div class=\"t s4_102\" id=\"t1k_102\" style=\"left:834px;bottom:571px;display:inline;\">8 </div><div class=\"t s4_102\" id=\"t1l_102\" style=\"left:929px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1m_102\" style=\"left:1011px;bottom:571px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t sc_102\" id=\"t1n_102\" style=\"left:1107px;bottom:571px;letter-spacing:0.23px;display:inline;\">703 </div>\n<div class=\"t sb_102\" id=\"t1o_102\" style=\"left:78px;bottom:549px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_102\" id=\"t1p_102\" style=\"left:548px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1q_102\" style=\"left:643px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1r_102\" style=\"left:738px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1s_102\" style=\"left:833px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1t_102\" style=\"left:929px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1u_102\" style=\"left:1008px;bottom:549px;letter-spacing:0.19px;display:inline;\">(436) </div><div class=\"t sc_102\" id=\"t1v_102\" style=\"left:1103px;bottom:549px;letter-spacing:0.19px;display:inline;\">(436) </div>\n<div class=\"t s4_102\" id=\"t1w_102\" style=\"left:78px;bottom:527px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_102\" id=\"t1x_102\" style=\"left:525px;bottom:527px;letter-spacing:0.18px;display:inline;\">5,037 </div><div class=\"t sc_102\" id=\"t1y_102\" style=\"left:630px;bottom:527px;letter-spacing:0.32px;display:inline;\">157 </div><div class=\"t sc_102\" id=\"t1z_102\" style=\"left:715px;bottom:527px;letter-spacing:0.42px;display:inline;\">1,443 </div><div class=\"t sc_102\" id=\"t20_102\" style=\"left:810px;bottom:527px;letter-spacing:0.37px;display:inline;\">2,318 </div><div class=\"t sc_102\" id=\"t21_102\" style=\"left:922px;bottom:527px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t22_102\" style=\"left:1001px;bottom:527px;letter-spacing:0.4px;display:inline;\">1,139 </div><div class=\"t sc_102\" id=\"t23_102\" style=\"left:1090px;bottom:527px;letter-spacing:0.3px;display:inline;\">10,132 </div>\n<div class=\"t sb_102\" id=\"t24_102\" style=\"left:78px;bottom:505px;letter-spacing:0.09px;display:inline;\">Depreciation </div>\n<div class=\"t sb_102\" id=\"t25_102\" style=\"left:78px;bottom:483px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_102\" id=\"t26_102\" style=\"left:525px;bottom:483px;letter-spacing:0.39px;display:inline;\">1,828 </div><div class=\"t sc_102\" id=\"t27_102\" style=\"left:630px;bottom:483px;letter-spacing:0.36px;display:inline;\">125 </div><div class=\"t sc_102\" id=\"t28_102\" style=\"left:725px;bottom:483px;letter-spacing:0.32px;display:inline;\">786 </div><div class=\"t sc_102\" id=\"t29_102\" style=\"left:810px;bottom:483px;letter-spacing:0.36px;display:inline;\">1,265 </div><div class=\"t sc_102\" id=\"t2a_102\" style=\"left:923px;bottom:483px;letter-spacing:0.16px;display:inline;\">37 </div><div class=\"t s4_102\" id=\"t2b_102\" style=\"left:1011px;bottom:483px;letter-spacing:0.39px;display:inline;\">784 </div><div class=\"t sc_102\" id=\"t2c_102\" style=\"left:1096px;bottom:483px;letter-spacing:0.33px;display:inline;\">4,825 </div>\n<div class=\"t sb_102\" id=\"t2d_102\" style=\"left:78px;bottom:461px;letter-spacing:0.08px;display:inline;\">Acquisition </div><div class=\"t s4_102\" id=\"t2e_102\" style=\"left:548px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2f_102\" style=\"left:643px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2g_102\" style=\"left:738px;bottom:461px;display:inline;\">2 </div><div class=\"t s4_102\" id=\"t2h_102\" style=\"left:833px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2i_102\" style=\"left:929px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2j_102\" style=\"left:1024px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2k_102\" style=\"left:1120px;bottom:461px;display:inline;\">2 </div>\n<div class=\"t sb_102\" id=\"t2l_102\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_102\" id=\"t2m_102\" style=\"left:541px;bottom:438px;letter-spacing:0.44px;display:inline;\">88 </div><div class=\"t s4_102\" id=\"t2n_102\" style=\"left:643px;bottom:438px;display:inline;\">9 </div><div class=\"t sc_102\" id=\"t2o_102\" style=\"left:726px;bottom:438px;letter-spacing:0.22px;display:inline;\">270 </div><div class=\"t sc_102\" id=\"t2p_102\" style=\"left:821px;bottom:438px;letter-spacing:0.37px;display:inline;\">209 </div><div class=\"t sc_102\" id=\"t2q_102\" style=\"left:929px;bottom:438px;display:inline;\">1 </div><div class=\"t s4_102\" id=\"t2r_102\" style=\"left:1012px;bottom:438px;letter-spacing:0.05px;display:inline;\">475 </div><div class=\"t sc_102\" id=\"t2s_102\" style=\"left:1097px;bottom:438px;letter-spacing:0.29px;display:inline;\">1,052 </div>\n<div class=\"t sb_102\" id=\"t2t_102\" style=\"left:78px;bottom:416px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_102\" id=\"t2u_102\" style=\"left:548px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2v_102\" style=\"left:643px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2w_102\" style=\"left:738px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2x_102\" style=\"left:833px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2y_102\" style=\"left:929px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2z_102\" style=\"left:1007px;bottom:416px;letter-spacing:0.33px;display:inline;\">(386) </div><div class=\"t sc_102\" id=\"t30_102\" style=\"left:1102px;bottom:416px;letter-spacing:0.33px;display:inline;\">(386) </div>\n<div class=\"t s4_102\" id=\"t31_102\" style=\"left:78px;bottom:394px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_102\" id=\"t32_102\" style=\"left:525px;bottom:394px;letter-spacing:0.31px;display:inline;\">1,916 </div><div class=\"t sc_102\" id=\"t33_102\" style=\"left:630px;bottom:394px;letter-spacing:0.43px;display:inline;\">134 </div><div class=\"t sc_102\" id=\"t34_102\" style=\"left:715px;bottom:394px;letter-spacing:0.34px;display:inline;\">1,058 </div><div class=\"t sc_102\" id=\"t35_102\" style=\"left:811px;bottom:394px;letter-spacing:0.17px;display:inline;\">1,474 </div><div class=\"t sc_102\" id=\"t36_102\" style=\"left:922px;bottom:394px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t37_102\" style=\"left:1011px;bottom:394px;letter-spacing:0.32px;display:inline;\">873 </div><div class=\"t sc_102\" id=\"t38_102\" style=\"left:1097px;bottom:394px;letter-spacing:0.23px;display:inline;\">5,493 </div>\n<div class=\"t s4_102\" id=\"t39_102\" style=\"left:78px;bottom:372px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t sc_102\" id=\"t3a_102\" style=\"left:525px;bottom:372px;letter-spacing:0.3px;display:inline;\">3,121 </div><div class=\"t sc_102\" id=\"t3b_102\" style=\"left:637px;bottom:372px;letter-spacing:0.34px;display:inline;\">23 </div><div class=\"t sc_102\" id=\"t3c_102\" style=\"left:725px;bottom:372px;letter-spacing:0.31px;display:inline;\">385 </div><div class=\"t s4_102\" id=\"t3d_102\" style=\"left:820px;bottom:372px;letter-spacing:0.5px;display:inline;\">844 </div><div class=\"t s4_102\" id=\"t3e_102\" style=\"left:929px;bottom:372px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t3f_102\" style=\"left:1011px;bottom:372px;letter-spacing:0.33px;display:inline;\">266 </div><div class=\"t sc_102\" id=\"t3g_102\" style=\"left:1097px;bottom:372px;letter-spacing:0.24px;display:inline;\">4,639 </div>\n<div class=\"t sb_102\" id=\"t3h_102\" style=\"left:78px;bottom:350px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_102\" id=\"t3i_102\" style=\"left:525px;bottom:350px;letter-spacing:0.27px;display:inline;\">3,209 </div><div class=\"t sd_102\" id=\"t3j_102\" style=\"left:637px;bottom:350px;letter-spacing:0.24px;display:inline;\">32 </div><div class=\"t sd_102\" id=\"t3k_102\" style=\"left:725px;bottom:350px;letter-spacing:0.25px;display:inline;\">326 </div><div class=\"t sd_102\" id=\"t3l_102\" style=\"left:811px;bottom:350px;letter-spacing:0.25px;display:inline;\">1,045 </div><div class=\"t sd_102\" id=\"t3m_102\" style=\"left:929px;bottom:350px;display:inline;\">1 </div><div class=\"t sd_102\" id=\"t3n_102\" style=\"left:1011px;bottom:350px;letter-spacing:0.17px;display:inline;\">420 </div><div class=\"t sd_102\" id=\"t3o_102\" style=\"left:1098px;bottom:350px;letter-spacing:0.07px;display:inline;\">5,033 </div>\n<div class=\"t se_102\" id=\"t3p_102\" style=\"left:74px;bottom:311px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">In line with IFRS 16, right of use (ROU) assets relate to motor vehicles and building leases, a breakdown for which can be found in Note 30. </div><div></div><div class=\"t s1_103\" id=\"t1_103\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_103\" id=\"t2_103\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_103\" id=\"t3_103\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_103\" id=\"t4_103\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_103\" id=\"t5_103\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_103\" id=\"t6_103\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_103\" id=\"t7_103\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_103\" id=\"t8_103\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_103\" id=\"t9_103\" style=\"left:1095px;bottom:878px;letter-spacing:-0.24px;display:inline;\"></div>\n<div class=\"t sa_103\" id=\"te_103\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_103\" id=\"tf_103\" style=\"left:473px;bottom:692px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Freehold land </div>\n<div class=\"t sb_103\" id=\"tg_103\" style=\"left:468px;bottom:676px;letter-spacing:-0.01px;word-spacing:-0.38px;display:inline;\">and properties </div>\n<div class=\"t sb_103\" id=\"th_103\" style=\"left:520px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ti_103\" style=\"left:613px;bottom:692px;letter-spacing:-0.03px;display:inline;\">Motor </div>\n<div class=\"t sb_103\" id=\"tj_103\" style=\"left:601px;bottom:676px;letter-spacing:-0.03px;display:inline;\">vehicles </div>\n<div class=\"t sb_103\" id=\"tk_103\" style=\"left:615px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"tl_103\" style=\"left:685px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_103\" id=\"tm_103\" style=\"left:680px;bottom:676px;letter-spacing:-0.01px;display:inline;\">equipment </div>\n<div class=\"t sb_103\" id=\"tn_103\" style=\"left:711px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"to_103\" style=\"left:783px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Furniture </div>\n<div class=\"t sb_103\" id=\"tp_103\" style=\"left:781px;bottom:692px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">fixtures &amp; </div>\n<div class=\"t sb_103\" id=\"tq_103\" style=\"left:795px;bottom:676px;letter-spacing:-0.01px;display:inline;\">fittings </div>\n<div class=\"t sb_103\" id=\"tr_103\" style=\"left:806px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ts_103\" style=\"left:903px;bottom:692px;letter-spacing:-0.14px;display:inline;\">Lease </div>\n<div class=\"t sb_103\" id=\"tt_103\" style=\"left:850px;bottom:676px;letter-spacing:-0.17px;display:inline;\">improvements </div>\n<div class=\"t sb_103\" id=\"tu_103\" style=\"left:902px;bottom:660px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"tv_103\" style=\"left:960px;bottom:692px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Right of use </div>\n<div class=\"t sb_103\" id=\"tw_103\" style=\"left:994px;bottom:676px;letter-spacing:-0.01px;display:inline;\">assets </div>\n<div class=\"t sb_103\" id=\"tx_103\" style=\"left:996px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ty_103\" style=\"left:1096px;bottom:676px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_103\" id=\"tz_103\" style=\"left:1092px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_103\" id=\"t10_103\" style=\"left:78px;bottom:638px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_103\" id=\"t11_103\" style=\"left:78px;bottom:616px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_103\" id=\"t12_103\" style=\"left:526px;bottom:616px;letter-spacing:0.04px;display:inline;\">5,037 </div><div class=\"t sd_103\" id=\"t13_103\" style=\"left:630px;bottom:616px;letter-spacing:0.35px;display:inline;\">157 </div><div class=\"t sd_103\" id=\"t14_103\" style=\"left:716px;bottom:616px;letter-spacing:0.27px;display:inline;\">1,085 </div><div class=\"t sd_103\" id=\"t15_103\" style=\"left:811px;bottom:616px;letter-spacing:0.24px;display:inline;\">2,303 </div><div class=\"t se_103\" id=\"t16_103\" style=\"left:922px;bottom:616px;letter-spacing:0.4px;display:inline;\">38 </div><div class=\"t sd_103\" id=\"t17_103\" style=\"left:1002px;bottom:616px;letter-spacing:0.2px;display:inline;\">1,459 </div><div class=\"t sd_103\" id=\"t18_103\" style=\"left:1091px;bottom:616px;letter-spacing:0.08px;display:inline;\">10,079 </div>\n<div class=\"t sc_103\" id=\"t19_103\" style=\"left:78px;bottom:593px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t se_103\" id=\"t1a_103\" style=\"left:548px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t1b_103\" style=\"left:643px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1c_103\" style=\"left:725px;bottom:593px;letter-spacing:0.39px;display:inline;\">209 </div><div class=\"t sd_103\" id=\"t1d_103\" style=\"left:828px;bottom:593px;letter-spacing:0.05px;display:inline;\">27 </div><div class=\"t se_103\" id=\"t1e_103\" style=\"left:929px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1f_103\" style=\"left:1011px;bottom:593px;letter-spacing:0.2px;display:inline;\">307 </div><div class=\"t se_103\" id=\"t1g_103\" style=\"left:1107px;bottom:593px;letter-spacing:0.28px;display:inline;\">543 </div>\n<div class=\"t sc_103\" id=\"t1h_103\" style=\"left:78px;bottom:571px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t se_103\" id=\"t1i_103\" style=\"left:548px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t1j_103\" style=\"left:643px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1k_103\" style=\"left:722px;bottom:571px;letter-spacing:0.16px;display:inline;\">(182) </div><div class=\"t sd_103\" id=\"t1l_103\" style=\"left:824px;bottom:571px;letter-spacing:0.14px;display:inline;\">(20) </div><div class=\"t se_103\" id=\"t1m_103\" style=\"left:929px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1n_103\" style=\"left:1008px;bottom:571px;letter-spacing:0.15px;display:inline;\">(562) </div><div class=\"t se_103\" id=\"t1o_103\" style=\"left:1103px;bottom:571px;letter-spacing:0.24px;display:inline;\">(764) </div>\n<div class=\"t s4_103\" id=\"t1p_103\" style=\"left:78px;bottom:549px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_103\" id=\"t1q_103\" style=\"left:526px;bottom:549px;letter-spacing:0.04px;display:inline;\">5,037 </div><div class=\"t sd_103\" id=\"t1r_103\" style=\"left:630px;bottom:549px;letter-spacing:0.35px;display:inline;\">157 </div><div class=\"t sd_103\" id=\"t1s_103\" style=\"left:716px;bottom:549px;letter-spacing:0.31px;display:inline;\">1,112 </div><div class=\"t sd_103\" id=\"t1t_103\" style=\"left:811px;bottom:549px;letter-spacing:0.2px;display:inline;\">2,310 </div><div class=\"t se_103\" id=\"t1u_103\" style=\"left:922px;bottom:549px;letter-spacing:0.4px;display:inline;\">38 </div><div class=\"t sd_103\" id=\"t1v_103\" style=\"left:1001px;bottom:549px;letter-spacing:0.35px;display:inline;\">1,204 </div><div class=\"t se_103\" id=\"t1w_103\" style=\"left:1097px;bottom:549px;letter-spacing:0.19px;display:inline;\">9,858 </div>\n<div class=\"t sc_103\" id=\"t1x_103\" style=\"left:78px;bottom:527px;letter-spacing:0.09px;display:inline;\">Depreciation </div>\n<div class=\"t sc_103\" id=\"t1y_103\" style=\"left:78px;bottom:504px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_103\" id=\"t1z_103\" style=\"left:527px;bottom:504px;letter-spacing:-0.08px;display:inline;\">1,742 </div><div class=\"t sd_103\" id=\"t20_103\" style=\"left:630px;bottom:504px;letter-spacing:0.28px;display:inline;\">102 </div><div class=\"t se_103\" id=\"t21_103\" style=\"left:726px;bottom:504px;letter-spacing:-0.06px;display:inline;\">774 </div><div class=\"t sd_103\" id=\"t22_103\" style=\"left:811px;bottom:504px;letter-spacing:0.34px;display:inline;\">1,064 </div><div class=\"t se_103\" id=\"t23_103\" style=\"left:922px;bottom:504px;letter-spacing:0.49px;display:inline;\">34 </div><div class=\"t sd_103\" id=\"t24_103\" style=\"left:1011px;bottom:504px;letter-spacing:0.25px;display:inline;\">907 </div><div class=\"t sd_103\" id=\"t25_103\" style=\"left:1098px;bottom:504px;letter-spacing:0.12px;display:inline;\">4,623 </div>\n<div class=\"t sc_103\" id=\"t26_103\" style=\"left:78px;bottom:482px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t se_103\" id=\"t27_103\" style=\"left:541px;bottom:482px;letter-spacing:0.39px;display:inline;\">86 </div><div class=\"t sd_103\" id=\"t28_103\" style=\"left:637px;bottom:482px;letter-spacing:0.36px;display:inline;\">23 </div><div class=\"t sd_103\" id=\"t29_103\" style=\"left:725px;bottom:482px;letter-spacing:0.43px;display:inline;\">194 </div><div class=\"t sd_103\" id=\"t2a_103\" style=\"left:821px;bottom:482px;letter-spacing:0.32px;display:inline;\">221 </div><div class=\"t se_103\" id=\"t2b_103\" style=\"left:929px;bottom:482px;display:inline;\">3 </div><div class=\"t se_103\" id=\"t2c_103\" style=\"left:1012px;bottom:482px;letter-spacing:0.16px;display:inline;\">439 </div><div class=\"t se_103\" id=\"t2d_103\" style=\"left:1106px;bottom:482px;letter-spacing:0.42px;display:inline;\">966 </div>\n<div class=\"t sc_103\" id=\"t2e_103\" style=\"left:78px;bottom:460px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t se_103\" id=\"t2f_103\" style=\"left:548px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t2g_103\" style=\"left:643px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t2h_103\" style=\"left:722px;bottom:460px;letter-spacing:0.16px;display:inline;\">(182) </div><div class=\"t sd_103\" id=\"t2i_103\" style=\"left:824px;bottom:460px;letter-spacing:0.13px;display:inline;\">(20) </div><div class=\"t se_103\" id=\"t2j_103\" style=\"left:929px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t2k_103\" style=\"left:1008px;bottom:460px;letter-spacing:0.15px;display:inline;\">(562) </div><div class=\"t se_103\" id=\"t2l_103\" style=\"left:1103px;bottom:460px;letter-spacing:0.24px;display:inline;\">(764) </div>\n<div class=\"t s4_103\" id=\"t2m_103\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_103\" id=\"t2n_103\" style=\"left:525px;bottom:438px;letter-spacing:0.27px;display:inline;\">1,828 </div><div class=\"t sd_103\" id=\"t2o_103\" style=\"left:630px;bottom:438px;letter-spacing:0.42px;display:inline;\">125 </div><div class=\"t se_103\" id=\"t2p_103\" style=\"left:725px;bottom:438px;letter-spacing:0.29px;display:inline;\">786 </div><div class=\"t sd_103\" id=\"t2q_103\" style=\"left:811px;bottom:438px;letter-spacing:0.26px;display:inline;\">1,265 </div><div class=\"t se_103\" id=\"t2r_103\" style=\"left:923px;bottom:438px;letter-spacing:0.04px;display:inline;\">37 </div><div class=\"t se_103\" id=\"t2s_103\" style=\"left:1011px;bottom:438px;letter-spacing:0.38px;display:inline;\">784 </div><div class=\"t sd_103\" id=\"t2t_103\" style=\"left:1097px;bottom:438px;letter-spacing:0.26px;display:inline;\">4,825 </div>\n<div class=\"t s4_103\" id=\"t2u_103\" style=\"left:78px;bottom:416px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31 December 2021 </div><div class=\"t sd_103\" id=\"t2v_103\" style=\"left:525px;bottom:416px;letter-spacing:0.27px;display:inline;\">3,209 </div><div class=\"t sd_103\" id=\"t2w_103\" style=\"left:637px;bottom:416px;letter-spacing:0.24px;display:inline;\">32 </div><div class=\"t sd_103\" id=\"t2x_103\" style=\"left:726px;bottom:416px;letter-spacing:0.25px;display:inline;\">326 </div><div class=\"t sd_103\" id=\"t2y_103\" style=\"left:811px;bottom:416px;letter-spacing:0.25px;display:inline;\">1,045 </div><div class=\"t sd_103\" id=\"t2z_103\" style=\"left:929px;bottom:416px;display:inline;\">1 </div><div class=\"t sd_103\" id=\"t30_103\" style=\"left:1012px;bottom:416px;letter-spacing:0.17px;display:inline;\">420 </div><div class=\"t sd_103\" id=\"t31_103\" style=\"left:1098px;bottom:416px;letter-spacing:0.07px;display:inline;\">5,033 </div>\n<div class=\"t sc_103\" id=\"t32_103\" style=\"left:78px;bottom:394px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31 December 2020 </div><div class=\"t sd_103\" id=\"t33_103\" style=\"left:526px;bottom:394px;letter-spacing:0.21px;display:inline;\">3,295 </div><div class=\"t se_103\" id=\"t34_103\" style=\"left:637px;bottom:394px;letter-spacing:0.18px;display:inline;\">55 </div><div class=\"t sd_103\" id=\"t35_103\" style=\"left:726px;bottom:394px;letter-spacing:0.24px;display:inline;\">311 </div><div class=\"t sd_103\" id=\"t36_103\" style=\"left:811px;bottom:394px;letter-spacing:0.3px;display:inline;\">1,239 </div><div class=\"t se_103\" id=\"t37_103\" style=\"left:929px;bottom:394px;display:inline;\">4 </div><div class=\"t sd_103\" id=\"t38_103\" style=\"left:1012px;bottom:394px;letter-spacing:0.12px;display:inline;\">552 </div><div class=\"t se_103\" id=\"t39_103\" style=\"left:1097px;bottom:394px;letter-spacing:0.17px;display:inline;\">5,456 </div>\n<div class=\"t s8_103\" id=\"t3a_103\" style=\"left:74px;bottom:352px;letter-spacing:0.19px;word-spacing:2.2px;display:inline;\">17 Financial investments </div>\n<div class=\"t sb_103\" id=\"t3b_103\" style=\"left:753px;bottom:326px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_103\" id=\"t3c_103\" style=\"left:986px;bottom:326px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_103\" id=\"t3d_103\" style=\"left:733px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_103\" id=\"t3e_103\" style=\"left:728px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"t3f_103\" style=\"left:855px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_103\" id=\"t3g_103\" style=\"left:849px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"t3h_103\" style=\"left:975px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_103\" id=\"t3i_103\" style=\"left:970px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"t3j_103\" style=\"left:1098px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_103\" id=\"t3k_103\" style=\"left:1092px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_103\" id=\"t3l_103\" style=\"left:78px;bottom:265px;letter-spacing:0.1px;display:inline;\">Bank deposits </div><div class=\"t sf_103\" id=\"t3m_103\" style=\"left:734px;bottom:265px;letter-spacing:0.1px;display:inline;\">1,742 </div><div class=\"t sd_103\" id=\"t3n_103\" style=\"left:855px;bottom:265px;letter-spacing:0.23px;display:inline;\">2,596 </div><div class=\"t s4_103\" id=\"t3o_103\" style=\"left:998px;bottom:265px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t3p_103\" style=\"left:1119px;bottom:265px;display:inline;\">\u2013 </div>\n<div class=\"t sc_103\" id=\"t3q_103\" style=\"left:78px;bottom:243px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Equity investments </div><div class=\"t sf_103\" id=\"t3r_103\" style=\"left:733px;bottom:243px;letter-spacing:0.35px;display:inline;\">1,289 </div><div class=\"t se_103\" id=\"t3s_103\" style=\"left:877px;bottom:243px;display:inline;\">\u2013 </div><div class=\"t s4_103\" id=\"t3t_103\" style=\"left:998px;bottom:243px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t3u_103\" style=\"left:1119px;bottom:243px;display:inline;\">\u2013 </div>\n<div class=\"t s4_103\" id=\"t3v_103\" style=\"left:78px;bottom:221px;letter-spacing:0.05px;word-spacing:-0.01px;display:inline;\">Total financial investments </div><div class=\"t sf_103\" id=\"t3w_103\" style=\"left:733px;bottom:221px;letter-spacing:0.14px;display:inline;\">3,031 </div><div class=\"t sd_103\" id=\"t3x_103\" style=\"left:855px;bottom:221px;letter-spacing:0.23px;display:inline;\">2,596 </div><div class=\"t s4_103\" id=\"t3y_103\" style=\"left:998px;bottom:221px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t3z_103\" style=\"left:1119px;bottom:221px;display:inline;\">\u2013 </div><div></div><div class=\"t s1_104\" id=\"t1_104\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_104\" id=\"t2_104\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_104\" id=\"t3_104\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_104\" id=\"t4_104\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_104\" id=\"t5_104\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_104\" id=\"t6_104\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_104\" id=\"t7_104\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_104\" id=\"t8_104\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_104\" id=\"t9_104\" style=\"left:1091px;bottom:878px;letter-spacing:-0.26px;display:inline;\"> </div>\n<div class=\"t sa_104\" id=\"te_104\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">IFRS 13 Fair Value Measurement establishes a fair value hierarchy that categorises into </div>\n<div class=\"t sa_104\" id=\"tf_104\" style=\"left:74px;bottom:725px;letter-spacing:-0.16px;word-spacing:-0.16px;display:inline;\">three levels the inputs to valuation techniques used to measure fair value. The fair value </div>\n<div class=\"t sa_104\" id=\"tg_104\" style=\"left:74px;bottom:707px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for </div>\n<div class=\"t sa_104\" id=\"th_104\" style=\"left:74px;bottom:688px;letter-spacing:-0.04px;display:inline;\">identical assets or liabilities (Level 1 inputs) and the lowest priority to unobservable </div>\n<div class=\"t sa_104\" id=\"ti_104\" style=\"left:74px;bottom:670px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">inputs (Level 3 inputs). </div>\n<div class=\"t sa_104\" id=\"tj_104\" style=\"left:74px;bottom:639px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities. </div>\n<div class=\"t sa_104\" id=\"tk_104\" style=\"left:74px;bottom:620px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">All current equity investments are valued using Level 1 inputs. </div>\n<div class=\"t sa_104\" id=\"tl_104\" style=\"left:74px;bottom:598px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Level 2: inputs other than quoted prices included within Level 1 that are observable for </div>\n<div class=\"t sa_104\" id=\"tm_104\" style=\"left:74px;bottom:579px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">the asset or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices). </div>\n<div class=\"t sa_104\" id=\"tn_104\" style=\"left:74px;bottom:557px;letter-spacing:-0.05px;display:inline;\">Level 3: inputs for the asset or liability that are not based on observable market data </div>\n<div class=\"t sa_104\" id=\"to_104\" style=\"left:74px;bottom:538px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">(unobservable input). </div>\n<div class=\"t sa_104\" id=\"tp_104\" style=\"left:74px;bottom:507px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Bank deposits, held at amortised cost, are due within six months and the amortised cost </div>\n<div class=\"t sa_104\" id=\"tq_104\" style=\"left:74px;bottom:489px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">is a reasonable approximation of the fair value. These would be included within Level 2 </div>\n<div class=\"t sa_104\" id=\"tr_104\" style=\"left:74px;bottom:470px;letter-spacing:-0.09px;word-spacing:-0.1px;display:inline;\">of the fair value hierarchy. </div>\n<div class=\"t s8_104\" id=\"ts_104\" style=\"left:74px;bottom:437px;letter-spacing:0.16px;word-spacing:4.48px;display:inline;\">18 Inventories </div>\n<div class=\"t sa_104\" id=\"tt_104\" style=\"left:74px;bottom:415px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">Inventories in the Group relate primarily to salary sacrifice technology products held for </div>\n<div class=\"t sa_104\" id=\"tu_104\" style=\"left:74px;bottom:397px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">sale as part of the PG Let\u2019s Connect IT sacrifice business and vouchers (both digital and </div>\n<div class=\"t sa_104\" id=\"tv_104\" style=\"left:74px;bottom:378px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">physical) held for sale in the SaaS division of the business. </div>\n<div class=\"t sa_104\" id=\"tw_104\" style=\"left:74px;bottom:347px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Inventories held are classified as the below: </div>\n<div class=\"t sb_104\" id=\"tx_104\" style=\"left:452px;bottom:311px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_104\" id=\"ty_104\" style=\"left:448px;bottom:295px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"tz_104\" style=\"left:549px;bottom:311px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t10_104\" style=\"left:543px;bottom:295px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_104\" id=\"t11_104\" style=\"left:78px;bottom:273px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Finished Goods \u2013 IT Salary Sacrifice </div><div class=\"t s4_104\" id=\"t12_104\" style=\"left:463px;bottom:273px;letter-spacing:0.34px;display:inline;\">699 </div><div class=\"t sd_104\" id=\"t13_104\" style=\"left:558px;bottom:273px;letter-spacing:0.21px;display:inline;\">835 </div>\n<div class=\"t sc_104\" id=\"t14_104\" style=\"left:78px;bottom:251px;letter-spacing:0.04px;word-spacing:-0.01px;display:inline;\">Vouchers for resale </div><div class=\"t se_104\" id=\"t15_104\" style=\"left:469px;bottom:251px;letter-spacing:0.21px;display:inline;\">27 </div><div class=\"t sd_104\" id=\"t16_104\" style=\"left:565px;bottom:251px;letter-spacing:0.26px;display:inline;\">63 </div>\n<div class=\"t s4_104\" id=\"t17_104\" style=\"left:78px;bottom:229px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Total Inventories </div><div class=\"t se_104\" id=\"t18_104\" style=\"left:463px;bottom:229px;letter-spacing:0.28px;display:inline;\">726 </div><div class=\"t sf_104\" id=\"t19_104\" style=\"left:558px;bottom:229px;letter-spacing:0.37px;display:inline;\">898 </div>\n<div class=\"t sg_104\" id=\"t1a_104\" style=\"left:621px;bottom:765px;letter-spacing:0.17px;word-spacing:1.09px;display:inline;\">19 Trade and other receivables </div>\n<div class=\"t sb_104\" id=\"t1b_104\" style=\"left:921px;bottom:739px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_104\" id=\"t1c_104\" style=\"left:1042px;bottom:739px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_104\" id=\"t1d_104\" style=\"left:901px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_104\" id=\"t1e_104\" style=\"left:896px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t1f_104\" style=\"left:967px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t1g_104\" style=\"left:961px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t1h_104\" style=\"left:1031px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_104\" id=\"t1i_104\" style=\"left:1026px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t1j_104\" style=\"left:1097px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t1k_104\" style=\"left:1091px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_104\" id=\"t1l_104\" style=\"left:626px;bottom:678px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Loans and receivables: </div>\n<div class=\"t sc_104\" id=\"t1m_104\" style=\"left:626px;bottom:656px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Insurance receivables </div><div class=\"t sh_104\" id=\"t1n_104\" style=\"left:901px;bottom:656px;letter-spacing:0.31px;display:inline;\">2,391 </div><div class=\"t sd_104\" id=\"t1o_104\" style=\"left:967px;bottom:656px;letter-spacing:0.22px;display:inline;\">1,665 </div><div class=\"t s4_104\" id=\"t1p_104\" style=\"left:1054px;bottom:656px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t1q_104\" style=\"left:1119px;bottom:656px;display:inline;\">\u2013 </div>\n<div class=\"t sc_104\" id=\"t1r_104\" style=\"left:626px;bottom:634px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade Debtors </div><div class=\"t sh_104\" id=\"t1s_104\" style=\"left:894px;bottom:634px;letter-spacing:0.39px;display:inline;\">11,349 </div><div class=\"t sd_104\" id=\"t1t_104\" style=\"left:961px;bottom:634px;letter-spacing:0.19px;display:inline;\">10,592 </div><div class=\"t s4_104\" id=\"t1u_104\" style=\"left:1054px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t1v_104\" style=\"left:1119px;bottom:634px;display:inline;\">\u2013 </div>\n<div class=\"t sc_104\" id=\"t1w_104\" style=\"left:626px;bottom:612px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Amounts due from subsidiary undertakings </div><div class=\"t s4_104\" id=\"t1x_104\" style=\"left:924px;bottom:612px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t1y_104\" style=\"left:989px;bottom:612px;display:inline;\">\u2013 </div><div class=\"t sh_104\" id=\"t1z_104\" style=\"left:1048px;bottom:612px;letter-spacing:0.29px;display:inline;\">41 </div><div class=\"t sd_104\" id=\"t20_104\" style=\"left:1113px;bottom:612px;letter-spacing:0.29px;display:inline;\">21 </div>\n<div class=\"t sc_104\" id=\"t21_104\" style=\"left:626px;bottom:590px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Accrued interest </div><div class=\"t sh_104\" id=\"t22_104\" style=\"left:918px;bottom:590px;letter-spacing:0.55px;display:inline;\">14 </div><div class=\"t sd_104\" id=\"t23_104\" style=\"left:983px;bottom:590px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t s4_104\" id=\"t24_104\" style=\"left:1054px;bottom:590px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t25_104\" style=\"left:1119px;bottom:590px;display:inline;\">\u2013 </div>\n<div class=\"t sc_104\" id=\"t26_104\" style=\"left:626px;bottom:568px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other prepayments and accrued income </div><div class=\"t sh_104\" id=\"t27_104\" style=\"left:901px;bottom:568px;letter-spacing:0.4px;display:inline;\">2,109 </div><div class=\"t sd_104\" id=\"t28_104\" style=\"left:967px;bottom:568px;letter-spacing:0.15px;display:inline;\">1,768 </div><div class=\"t sh_104\" id=\"t29_104\" style=\"left:1041px;bottom:568px;letter-spacing:0.32px;display:inline;\">281 </div><div class=\"t sd_104\" id=\"t2a_104\" style=\"left:1107px;bottom:568px;letter-spacing:0.04px;display:inline;\">171 </div>\n<div class=\"t s4_104\" id=\"t2b_104\" style=\"left:626px;bottom:546px;letter-spacing:0.05px;word-spacing:0.01px;display:inline;\">Total trade and other receivables </div><div class=\"t sh_104\" id=\"t2c_104\" style=\"left:895px;bottom:546px;letter-spacing:0.31px;display:inline;\">15,863 </div><div class=\"t sd_104\" id=\"t2d_104\" style=\"left:961px;bottom:546px;letter-spacing:0.11px;display:inline;\">14,035 </div><div class=\"t se_104\" id=\"t2e_104\" style=\"left:1041px;bottom:546px;letter-spacing:0.26px;display:inline;\">322 </div><div class=\"t sd_104\" id=\"t2f_104\" style=\"left:1106px;bottom:546px;letter-spacing:0.36px;display:inline;\">192 </div>\n<div class=\"t sa_104\" id=\"t2g_104\" style=\"left:621px;bottom:506px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">All of the Group\u2019s insurance receivables and other receivables due within one year have </div>\n<div class=\"t si_104\" id=\"t2h_104\" style=\"left:621px;bottom:488px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">been reviewed for indicators of impairment. IFRS 9 compliant credit loss provisions have </div>\n<div class=\"t sa_104\" id=\"t2i_104\" style=\"left:621px;bottom:470px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">been made where applicable and the values shown above are net of those provisions. </div>\n<div class=\"t sa_104\" id=\"t2j_104\" style=\"left:621px;bottom:438px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Other receivables include non-insurance trade receivables, and receivables relating to </div>\n<div class=\"t sa_104\" id=\"t2k_104\" style=\"left:621px;bottom:420px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">float payments on the e-voucher platform. </div>\n<div class=\"t sa_104\" id=\"t2l_104\" style=\"left:621px;bottom:389px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">A weighted average ageing of the expected loss provision is shown below: </div>\n<div class=\"t sb_104\" id=\"t2m_104\" style=\"left:808px;bottom:353px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sb_104\" id=\"t2n_104\" style=\"left:1017px;bottom:353px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t2o_104\" style=\"left:740px;bottom:330px;letter-spacing:-0.06px;display:inline;\">Trade/ </div>\n<div class=\"t sb_104\" id=\"t2p_104\" style=\"left:721px;bottom:314px;letter-spacing:-0.03px;display:inline;\">Insurance </div>\n<div class=\"t sb_104\" id=\"t2q_104\" style=\"left:738px;bottom:298px;letter-spacing:-0.02px;display:inline;\">Debtor </div>\n<div class=\"t sb_104\" id=\"t2r_104\" style=\"left:745px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t2s_104\" style=\"left:791px;bottom:314px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sb_104\" id=\"t2t_104\" style=\"left:800px;bottom:298px;letter-spacing:-0.1px;display:inline;\">Average </div>\n<div class=\"t sb_104\" id=\"t2u_104\" style=\"left:793px;bottom:282px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t2v_104\" style=\"left:881px;bottom:330px;letter-spacing:-0.02px;display:inline;\">Credit </div>\n<div class=\"t sb_104\" id=\"t2w_104\" style=\"left:892px;bottom:314px;letter-spacing:-0.01px;display:inline;\">Loss </div>\n<div class=\"t sb_104\" id=\"t2x_104\" style=\"left:862px;bottom:298px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t2y_104\" style=\"left:884px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t2z_104\" style=\"left:948px;bottom:330px;letter-spacing:-0.06px;display:inline;\">Trade/ </div>\n<div class=\"t sb_104\" id=\"t30_104\" style=\"left:929px;bottom:314px;letter-spacing:-0.03px;display:inline;\">Insurance </div>\n<div class=\"t sb_104\" id=\"t31_104\" style=\"left:946px;bottom:298px;letter-spacing:-0.02px;display:inline;\">Debtor </div>\n<div class=\"t sb_104\" id=\"t32_104\" style=\"left:953px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t33_104\" style=\"left:999px;bottom:314px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sb_104\" id=\"t34_104\" style=\"left:1008px;bottom:298px;letter-spacing:-0.1px;display:inline;\">Average </div>\n<div class=\"t sb_104\" id=\"t35_104\" style=\"left:1001px;bottom:282px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t36_104\" style=\"left:1089px;bottom:330px;letter-spacing:-0.02px;display:inline;\">Credit </div>\n<div class=\"t sb_104\" id=\"t37_104\" style=\"left:1100px;bottom:314px;letter-spacing:-0.01px;display:inline;\">Loss </div>\n<div class=\"t sb_104\" id=\"t38_104\" style=\"left:1070px;bottom:298px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t39_104\" style=\"left:1092px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_104\" id=\"t3a_104\" style=\"left:626px;bottom:260px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Not Invoiced </div><div class=\"t se_104\" id=\"t3b_104\" style=\"left:750px;bottom:260px;letter-spacing:0.36px;display:inline;\">2,565 </div><div class=\"t se_104\" id=\"t3c_104\" style=\"left:823px;bottom:260px;letter-spacing:0.27px;display:inline;\">0.3% </div><div class=\"t s4_104\" id=\"t3d_104\" style=\"left:912px;bottom:260px;display:inline;\">6 </div><div class=\"t sd_104\" id=\"t3e_104\" style=\"left:959px;bottom:260px;letter-spacing:0.09px;display:inline;\">6,633 </div><div class=\"t sd_104\" id=\"t3f_104\" style=\"left:1032px;bottom:260px;letter-spacing:0.2px;display:inline;\">0.3% </div><div class=\"t sd_104\" id=\"t3g_104\" style=\"left:1113px;bottom:260px;letter-spacing:0.08px;display:inline;\">16 </div>\n<div class=\"t sc_104\" id=\"t3h_104\" style=\"left:626px;bottom:238px;letter-spacing:0.08px;display:inline;\">Current </div><div class=\"t sh_104\" id=\"t3i_104\" style=\"left:743px;bottom:238px;letter-spacing:0.33px;display:inline;\">10,288 </div><div class=\"t sh_104\" id=\"t3j_104\" style=\"left:823px;bottom:238px;letter-spacing:0.11px;display:inline;\">0.1% </div><div class=\"t sh_104\" id=\"t3k_104\" style=\"left:905px;bottom:238px;letter-spacing:0.33px;display:inline;\">10 </div><div class=\"t sd_104\" id=\"t3l_104\" style=\"left:959px;bottom:238px;letter-spacing:0.19px;display:inline;\">4,357 </div><div class=\"t sd_104\" id=\"t3m_104\" style=\"left:1033px;bottom:238px;letter-spacing:-0.04px;display:inline;\">0.1% </div><div class=\"t sf_104\" id=\"t3n_104\" style=\"left:1120px;bottom:238px;display:inline;\">4 </div>\n<div class=\"t sc_104\" id=\"t3o_104\" style=\"left:626px;bottom:216px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">30 Days </div><div class=\"t sh_104\" id=\"t3p_104\" style=\"left:760px;bottom:216px;letter-spacing:0.28px;display:inline;\">619 </div><div class=\"t se_104\" id=\"t3q_104\" style=\"left:823px;bottom:216px;letter-spacing:0.28px;display:inline;\">0.8% </div><div class=\"t s4_104\" id=\"t3r_104\" style=\"left:912px;bottom:216px;display:inline;\">5 </div><div class=\"t sd_104\" id=\"t3s_104\" style=\"left:968px;bottom:216px;letter-spacing:0.27px;display:inline;\">723 </div><div class=\"t sd_104\" id=\"t3t_104\" style=\"left:1032px;bottom:216px;letter-spacing:0.27px;display:inline;\">1.0% </div><div class=\"t sf_104\" id=\"t3u_104\" style=\"left:1120px;bottom:216px;display:inline;\">8 </div>\n<div class=\"t sc_104\" id=\"t3v_104\" style=\"left:626px;bottom:194px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">60 Days </div><div class=\"t sh_104\" id=\"t3w_104\" style=\"left:760px;bottom:194px;letter-spacing:0.35px;display:inline;\">168 </div><div class=\"t sh_104\" id=\"t3x_104\" style=\"left:823px;bottom:194px;letter-spacing:0.28px;display:inline;\">1.6% </div><div class=\"t s4_104\" id=\"t3y_104\" style=\"left:912px;bottom:194px;display:inline;\">3 </div><div class=\"t sd_104\" id=\"t3z_104\" style=\"left:968px;bottom:194px;letter-spacing:0.32px;display:inline;\">257 </div><div class=\"t sd_104\" id=\"t40_104\" style=\"left:1032px;bottom:194px;letter-spacing:0.04px;display:inline;\">2.1% </div><div class=\"t sf_104\" id=\"t41_104\" style=\"left:1120px;bottom:194px;display:inline;\">5 </div>\n<div class=\"t sc_104\" id=\"t42_104\" style=\"left:626px;bottom:172px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">90 Days </div><div class=\"t s4_104\" id=\"t43_104\" style=\"left:767px;bottom:172px;letter-spacing:0.29px;display:inline;\">45 </div><div class=\"t sh_104\" id=\"t44_104\" style=\"left:823px;bottom:172px;letter-spacing:0.17px;display:inline;\">4.1% </div><div class=\"t se_104\" id=\"t45_104\" style=\"left:912px;bottom:172px;display:inline;\">2 </div><div class=\"t sd_104\" id=\"t46_104\" style=\"left:968px;bottom:172px;letter-spacing:0.36px;display:inline;\">153 </div><div class=\"t sf_104\" id=\"t47_104\" style=\"left:1033px;bottom:172px;letter-spacing:-0.14px;display:inline;\">7.8% </div><div class=\"t sd_104\" id=\"t48_104\" style=\"left:1113px;bottom:172px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sc_104\" id=\"t49_104\" style=\"left:626px;bottom:150px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">150 Days </div><div class=\"t sh_104\" id=\"t4a_104\" style=\"left:760px;bottom:150px;letter-spacing:0.38px;display:inline;\">106 </div><div class=\"t se_104\" id=\"t4b_104\" style=\"left:816px;bottom:150px;letter-spacing:0.24px;display:inline;\">23.7% </div><div class=\"t se_104\" id=\"t4c_104\" style=\"left:905px;bottom:150px;letter-spacing:0.37px;display:inline;\">25 </div><div class=\"t sd_104\" id=\"t4d_104\" style=\"left:968px;bottom:150px;letter-spacing:0.1px;display:inline;\">217 </div><div class=\"t sd_104\" id=\"t4e_104\" style=\"left:1027px;bottom:150px;letter-spacing:-0.12px;display:inline;\">17.9% </div><div class=\"t sd_104\" id=\"t4f_104\" style=\"left:1113px;bottom:150px;letter-spacing:0.26px;display:inline;\">39 </div>\n<div class=\"t s4_104\" id=\"t4g_104\" style=\"left:626px;bottom:127px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_104\" id=\"t4h_104\" style=\"left:744px;bottom:127px;letter-spacing:0.23px;display:inline;\">13,791 </div><div class=\"t se_104\" id=\"t4i_104\" style=\"left:823px;bottom:127px;letter-spacing:0.27px;display:inline;\">0.3% </div><div class=\"t sh_104\" id=\"t4j_104\" style=\"left:905px;bottom:127px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_104\" id=\"t4k_104\" style=\"left:951px;bottom:127px;letter-spacing:0.37px;display:inline;\">12,340 </div><div class=\"t sd_104\" id=\"t4l_104\" style=\"left:1032px;bottom:127px;letter-spacing:0.03px;display:inline;\">0.7% </div><div class=\"t sf_104\" id=\"t4m_104\" style=\"left:1113px;bottom:127px;letter-spacing:0.57px;display:inline;\">84 </div><div></div><div class=\"t s1_105\" id=\"t1_105\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_105\" id=\"t2_105\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_105\" id=\"t3_105\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_105\" id=\"t4_105\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_105\" id=\"t5_105\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_105\" id=\"t6_105\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_105\" id=\"t7_105\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_105\" id=\"t8_105\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_105\" id=\"t9_105\" style=\"left:1091px;bottom:878px;letter-spacing:-0.26px;display:inline;\"> </div>\n<div class=\"t sa_105\" id=\"te_105\" style=\"left:74px;bottom:745px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Credit Loss Provision </div>\n<div class=\"t sb_105\" id=\"tf_105\" style=\"left:453px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"tg_105\" style=\"left:449px;bottom:702px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"th_105\" style=\"left:550px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"ti_105\" style=\"left:544px;bottom:702px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"tj_105\" style=\"left:78px;bottom:680px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Stage 1 </div><div class=\"t s4_105\" id=\"tk_105\" style=\"left:476px;bottom:680px;display:inline;\">\u2013 </div><div class=\"t sd_105\" id=\"tl_105\" style=\"left:571px;bottom:680px;display:inline;\">\u2013 </div>\n<div class=\"t sc_105\" id=\"tm_105\" style=\"left:78px;bottom:658px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Stage 2 </div><div class=\"t se_105\" id=\"tn_105\" style=\"left:470px;bottom:658px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"to_105\" style=\"left:565px;bottom:658px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sc_105\" id=\"tp_105\" style=\"left:78px;bottom:636px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Stage 3 </div><div class=\"t s4_105\" id=\"tq_105\" style=\"left:476px;bottom:636px;display:inline;\">\u2013 </div><div class=\"t sd_105\" id=\"tr_105\" style=\"left:571px;bottom:636px;display:inline;\">\u2013 </div>\n<div class=\"t s4_105\" id=\"ts_105\" style=\"left:78px;bottom:614px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t se_105\" id=\"tt_105\" style=\"left:470px;bottom:614px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"tu_105\" style=\"left:565px;bottom:614px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sf_105\" id=\"tv_105\" style=\"left:74px;bottom:574px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Set out below is the movement in the allowance for expected credit losses of trade </div>\n<div class=\"t sf_105\" id=\"tw_105\" style=\"left:74px;bottom:556px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">receivables and contracted assets: </div>\n<div class=\"t sb_105\" id=\"tx_105\" style=\"left:453px;bottom:520px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"ty_105\" style=\"left:449px;bottom:504px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"tz_105\" style=\"left:550px;bottom:520px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t10_105\" style=\"left:544px;bottom:504px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t11_105\" style=\"left:78px;bottom:483px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t s4_105\" id=\"t12_105\" style=\"left:470px;bottom:483px;letter-spacing:0.51px;display:inline;\">84 </div><div class=\"t sg_105\" id=\"t13_105\" style=\"left:559px;bottom:483px;letter-spacing:0.25px;display:inline;\">114 </div>\n<div class=\"t sc_105\" id=\"t14_105\" style=\"left:78px;bottom:460px;letter-spacing:0.07px;word-spacing:-0.01px;display:inline;\">Provision for expected credit losses </div><div class=\"t se_105\" id=\"t15_105\" style=\"left:470px;bottom:460px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"t16_105\" style=\"left:565px;bottom:460px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sc_105\" id=\"t17_105\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Provision release </div><div class=\"t s4_105\" id=\"t18_105\" style=\"left:466px;bottom:438px;letter-spacing:0.21px;display:inline;\">(84) </div><div class=\"t sg_105\" id=\"t19_105\" style=\"left:556px;bottom:438px;letter-spacing:0.13px;display:inline;\">(114) </div>\n<div class=\"t s4_105\" id=\"t1a_105\" style=\"left:78px;bottom:416px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">At 31 December </div><div class=\"t se_105\" id=\"t1b_105\" style=\"left:470px;bottom:416px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"t1c_105\" style=\"left:565px;bottom:416px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sf_105\" id=\"t1d_105\" style=\"left:74px;bottom:377px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Insurance receivables and other receivables are also held at amortised cost and the </div>\n<div class=\"t sf_105\" id=\"t1e_105\" style=\"left:74px;bottom:359px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">carrying amount is a reasonable approximation of fair value which in the case of the </div>\n<div class=\"t sf_105\" id=\"t1f_105\" style=\"left:74px;bottom:339px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">insurance receivables contains a lapse provision of \u00a390,000 (2021: \u00a3160,000). </div>\n<div class=\"t sf_105\" id=\"t1g_105\" style=\"left:74px;bottom:307px;letter-spacing:-0.28px;word-spacing:-0.04px;display:inline;\">In the past, the Group has not incurred significant bad debt write offs and consequently </div>\n<div class=\"t sf_105\" id=\"t1h_105\" style=\"left:74px;bottom:289px;letter-spacing:-0.05px;display:inline;\">whilst the above may be overdue, the risk of credit default is considered to be low. </div>\n<div class=\"t sf_105\" id=\"t1i_105\" style=\"left:74px;bottom:271px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">The Group has no charges or other security over any of these assets. </div>\n<div class=\"t s8_105\" id=\"t1j_105\" style=\"left:621px;bottom:765px;letter-spacing:0.21px;word-spacing:2.19px;display:inline;\">20 Reinsurance assets </div>\n<div class=\"t sb_105\" id=\"t1k_105\" style=\"left:1027px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t1l_105\" style=\"left:1022px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t1m_105\" style=\"left:1098px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t1n_105\" style=\"left:1092px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t1o_105\" style=\"left:626px;bottom:701px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Reinsurers share of claims incurred </div><div class=\"t s4_105\" id=\"t1p_105\" style=\"left:1044px;bottom:701px;letter-spacing:0.15px;display:inline;\">55 </div><div class=\"t sd_105\" id=\"t1q_105\" style=\"left:1113px;bottom:701px;letter-spacing:0.21px;display:inline;\">57 </div>\n<div class=\"t sc_105\" id=\"t1r_105\" style=\"left:626px;bottom:679px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Reinsurers share of unearned premiums </div><div class=\"t se_105\" id=\"t1s_105\" style=\"left:1044px;bottom:679px;letter-spacing:0.41px;display:inline;\">40 </div><div class=\"t sg_105\" id=\"t1t_105\" style=\"left:1113px;bottom:679px;letter-spacing:0.01px;display:inline;\">51 </div>\n<div class=\"t s4_105\" id=\"t1u_105\" style=\"left:626px;bottom:657px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Total reinsurance assets </div><div class=\"t se_105\" id=\"t1v_105\" style=\"left:1044px;bottom:657px;letter-spacing:0.23px;display:inline;\">95 </div><div class=\"t sg_105\" id=\"t1w_105\" style=\"left:1107px;bottom:657px;letter-spacing:0.3px;display:inline;\">108 </div>\n<div class=\"t s8_105\" id=\"t1x_105\" style=\"left:621px;bottom:615px;letter-spacing:0.23px;word-spacing:1.03px;display:inline;\">21 Cash and cash equivalents </div>\n<div class=\"t sb_105\" id=\"t1y_105\" style=\"left:888px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t1z_105\" style=\"left:884px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t20_105\" style=\"left:959px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t21_105\" style=\"left:953px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t22_105\" style=\"left:1027px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t23_105\" style=\"left:1022px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t24_105\" style=\"left:1098px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t25_105\" style=\"left:1092px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t26_105\" style=\"left:626px;bottom:551px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Cash at bank and in hand </div><div class=\"t se_105\" id=\"t27_105\" style=\"left:883px;bottom:551px;letter-spacing:0.21px;display:inline;\">11,746 </div><div class=\"t sg_105\" id=\"t28_105\" style=\"left:952px;bottom:551px;letter-spacing:0.2px;display:inline;\">14,945 </div><div class=\"t se_105\" id=\"t29_105\" style=\"left:1037px;bottom:551px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sg_105\" id=\"t2a_105\" style=\"left:1106px;bottom:551px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t sc_105\" id=\"t2b_105\" style=\"left:626px;bottom:529px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Short-term deposits </div><div class=\"t se_105\" id=\"t2c_105\" style=\"left:889px;bottom:529px;letter-spacing:0.29px;display:inline;\">5,212 </div><div class=\"t sg_105\" id=\"t2d_105\" style=\"left:958px;bottom:529px;letter-spacing:0.29px;display:inline;\">5,346 </div><div class=\"t s4_105\" id=\"t2e_105\" style=\"left:1050px;bottom:529px;display:inline;\">\u2013 </div><div class=\"t sd_105\" id=\"t2f_105\" style=\"left:1119px;bottom:529px;display:inline;\">\u2013 </div>\n<div class=\"t s4_105\" id=\"t2g_105\" style=\"left:626px;bottom:507px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Total cash and cash equivalents </div><div class=\"t se_105\" id=\"t2h_105\" style=\"left:882px;bottom:507px;letter-spacing:0.27px;display:inline;\">16,958 </div><div class=\"t sg_105\" id=\"t2i_105\" style=\"left:952px;bottom:507px;letter-spacing:0.2px;display:inline;\">20,291 </div><div class=\"t se_105\" id=\"t2j_105\" style=\"left:1037px;bottom:507px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sg_105\" id=\"t2k_105\" style=\"left:1106px;bottom:507px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t s8_105\" id=\"t2l_105\" style=\"left:621px;bottom:465px;letter-spacing:0.21px;word-spacing:2.18px;display:inline;\">22 Share capital </div>\n<div class=\"t sb_105\" id=\"t2m_105\" style=\"left:1027px;bottom:439px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t2n_105\" style=\"left:1022px;bottom:423px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t2o_105\" style=\"left:1098px;bottom:439px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t2p_105\" style=\"left:1092px;bottom:423px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t2q_105\" style=\"left:626px;bottom:401px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Authorised 200,000,000 ordinary shares of 5p each </div><div class=\"t se_105\" id=\"t2r_105\" style=\"left:1021px;bottom:401px;letter-spacing:0.31px;display:inline;\">10,000 </div><div class=\"t sg_105\" id=\"t2s_105\" style=\"left:1091px;bottom:401px;letter-spacing:0.23px;display:inline;\">10,000 </div>\n<div class=\"t sc_105\" id=\"t2t_105\" style=\"left:626px;bottom:379px;letter-spacing:0.08px;display:inline;\">Allotted, called up and fully paid 31,248,822 (2021: 31,219,207) </div>\n<div class=\"t sc_105\" id=\"t2u_105\" style=\"left:626px;bottom:362px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">ordinary shares of 5p each </div><div class=\"t se_105\" id=\"t2v_105\" style=\"left:1027px;bottom:362px;letter-spacing:0.38px;display:inline;\">1,562 </div><div class=\"t sg_105\" id=\"t2w_105\" style=\"left:1097px;bottom:362px;letter-spacing:0.27px;display:inline;\">1,561 </div>\n<div class=\"t sc_105\" id=\"t2x_105\" style=\"left:626px;bottom:340px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Share Premium </div><div class=\"t se_105\" id=\"t2y_105\" style=\"left:1027px;bottom:340px;letter-spacing:0.45px;display:inline;\">1,134 </div><div class=\"t sg_105\" id=\"t2z_105\" style=\"left:1097px;bottom:340px;letter-spacing:0.35px;display:inline;\">1,134 </div>\n<div class=\"t sf_105\" id=\"t30_105\" style=\"left:621px;bottom:300px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Each ordinary share is entitled to one vote in any circumstance. </div>\n<div class=\"t sf_105\" id=\"t31_105\" style=\"left:621px;bottom:269px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">The total number of own shares held by the Employee Benefit Trust at 31 December 2022 </div>\n<div class=\"t sh_105\" id=\"t32_105\" style=\"left:621px;bottom:251px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">was 88,822 (2021: 87,288). Of this amount, there are 70,807 (2021: 76,135) SIP shares that </div>\n<div class=\"t sf_105\" id=\"t33_105\" style=\"left:621px;bottom:232px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">have been unconditionally allocated to employees. </div>\n<div class=\"t sf_105\" id=\"t34_105\" style=\"left:621px;bottom:201px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">As at 31 December 2022, the Group maintained two share-based payment schemes for </div>\n<div class=\"t sf_105\" id=\"t35_105\" style=\"left:621px;bottom:183px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">employee compensation. </div><div></div><div class=\"t s1_106\" id=\"t1_106\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Holdings Plc </div><div class=\"t s2_106\" id=\"t2_106\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_106\" id=\"t3_106\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_106\" id=\"t4_106\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_106\" id=\"t5_106\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_106\" id=\"t6_106\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_106\" id=\"t7_106\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_106\" id=\"t8_106\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_106\" id=\"t9_106\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n<div class=\"t s6_106\" id=\"ta_106\" style=\"left:74px;bottom:794px;letter-spacing:0.15px;word-spacing:-0.16px;display:inline;\"> </div><div class=\"t s7_106\" id=\"tb_106\" style=\"left:451px;bottom:794px;letter-spacing:0.23px;display:inline;\"> </div>\n<div class=\"t sa_106\" id=\"te_106\" style=\"left:74px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">a) Company Share Ownership Plan (CSOP) and unapproved options </div>\n<div class=\"t sb_106\" id=\"tf_106\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the options granted to vest, there are no performance criteria obligations to be </div>\n<div class=\"t sb_106\" id=\"tg_106\" style=\"left:74px;bottom:704px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">fulfilled other than continuous employment during the three-year period. Exceptions </div>\n<div class=\"t sb_106\" id=\"th_106\" style=\"left:74px;bottom:686px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">are made for early termination of employment by attaining normal retirement age, </div>\n<div class=\"t sb_106\" id=\"ti_106\" style=\"left:74px;bottom:667px;letter-spacing:-0.08px;word-spacing:0.07px;display:inline;\">ill health or redundancy. </div>\n<div class=\"t sb_106\" id=\"tj_106\" style=\"left:74px;bottom:636px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">All share-based employee compensation will be settled in equity. The Group has </div>\n<div class=\"t sb_106\" id=\"tk_106\" style=\"left:74px;bottom:616px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">no legal or constructive obligation to repurchase or settle the options. </div>\n<div class=\"t sb_106\" id=\"tl_106\" style=\"left:74px;bottom:585px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Share option and weighted average exercise price are as follows for the reporting </div>\n<div class=\"t sb_106\" id=\"tm_106\" style=\"left:74px;bottom:566px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">periods presented: </div>\n<div class=\"t sc_106\" id=\"tn_106\" style=\"left:338px;bottom:531px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_106\" id=\"to_106\" style=\"left:495px;bottom:531px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_106\" id=\"tp_106\" style=\"left:296px;bottom:444px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sc_106\" id=\"tq_106\" style=\"left:364px;bottom:508px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sc_106\" id=\"tr_106\" style=\"left:375px;bottom:492px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t sc_106\" id=\"ts_106\" style=\"left:374px;bottom:476px;letter-spacing:-0.03px;display:inline;\">exercise </div>\n<div class=\"t sc_106\" id=\"tt_106\" style=\"left:392px;bottom:460px;letter-spacing:-0.03px;display:inline;\">price </div>\n<div class=\"t sc_106\" id=\"tu_106\" style=\"left:387px;bottom:444px;letter-spacing:-0.03px;display:inline;\">Pence </div><div class=\"t sc_106\" id=\"tv_106\" style=\"left:452px;bottom:444px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sc_106\" id=\"tw_106\" style=\"left:520px;bottom:508px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sc_106\" id=\"tx_106\" style=\"left:531px;bottom:492px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t sc_106\" id=\"ty_106\" style=\"left:530px;bottom:476px;letter-spacing:-0.03px;display:inline;\">exercise </div>\n<div class=\"t sc_106\" id=\"tz_106\" style=\"left:548px;bottom:460px;letter-spacing:-0.03px;display:inline;\">price </div>\n<div class=\"t sc_106\" id=\"t10_106\" style=\"left:543px;bottom:444px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t sd_106\" id=\"t11_106\" style=\"left:78px;bottom:422px;letter-spacing:0.1px;word-spacing:-0.09px;display:inline;\">Outstanding at 1 January </div><div class=\"t se_106\" id=\"t12_106\" style=\"left:305px;bottom:422px;letter-spacing:0.08px;display:inline;\">226,743 </div><div class=\"t se_106\" id=\"t13_106\" style=\"left:395px;bottom:422px;letter-spacing:0.33px;display:inline;\">384.1 </div><div class=\"t sf_106\" id=\"t14_106\" style=\"left:461px;bottom:422px;letter-spacing:0.15px;display:inline;\">205,559 </div><div class=\"t sf_106\" id=\"t15_106\" style=\"left:552px;bottom:422px;letter-spacing:0.23px;display:inline;\">394.5 </div>\n<div class=\"t sd_106\" id=\"t16_106\" style=\"left:78px;bottom:400px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Options granted in year </div><div class=\"t s4_106\" id=\"t17_106\" style=\"left:340px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_106\" id=\"t18_106\" style=\"left:418px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t19_106\" style=\"left:467px;bottom:400px;letter-spacing:0.19px;display:inline;\">69,968 </div><div class=\"t sf_106\" id=\"t1a_106\" style=\"left:552px;bottom:400px;letter-spacing:0.09px;display:inline;\">343.0 </div>\n<div class=\"t sd_106\" id=\"t1b_106\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Options exercised in year </div><div class=\"t s4_106\" id=\"t1c_106\" style=\"left:340px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t s4_106\" id=\"t1d_106\" style=\"left:418px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t1e_106\" style=\"left:496px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t1f_106\" style=\"left:574px;bottom:378px;display:inline;\">\u2013 </div>\n<div class=\"t sd_106\" id=\"t1g_106\" style=\"left:78px;bottom:356px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Options cancelled or lapsed </div><div class=\"t se_106\" id=\"t1h_106\" style=\"left:309px;bottom:356px;letter-spacing:0.01px;display:inline;\">(17,492) </div><div class=\"t se_106\" id=\"t1i_106\" style=\"left:395px;bottom:356px;letter-spacing:0.2px;display:inline;\">343.0 </div><div class=\"t sf_106\" id=\"t1j_106\" style=\"left:465px;bottom:356px;letter-spacing:0.1px;display:inline;\">(48,784) </div><div class=\"t sg_106\" id=\"t1k_106\" style=\"left:552px;bottom:356px;letter-spacing:0.21px;display:inline;\">368.9 </div>\n<div class=\"t s4_106\" id=\"t1l_106\" style=\"left:78px;bottom:333px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Outstanding at 31 December </div><div class=\"t se_106\" id=\"t1m_106\" style=\"left:304px;bottom:333px;letter-spacing:0.23px;display:inline;\">209,251 </div><div class=\"t se_106\" id=\"t1n_106\" style=\"left:396px;bottom:333px;letter-spacing:-0.04px;display:inline;\">387.6 </div><div class=\"t sf_106\" id=\"t1o_106\" style=\"left:462px;bottom:333px;letter-spacing:-0.06px;display:inline;\">226,743 </div><div class=\"t sf_106\" id=\"t1p_106\" style=\"left:551px;bottom:333px;letter-spacing:0.25px;display:inline;\">384.1 </div>\n<div class=\"t sh_106\" id=\"t1q_106\" style=\"left:74px;bottom:294px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The weighted average exercise price of 121,007 (2021: 95,294) share options exercisable </div>\n<div class=\"t sh_106\" id=\"t1r_106\" style=\"left:74px;bottom:276px;letter-spacing:-0.03px;display:inline;\">at 31\u00a0December 2022 was pence per share 446.35 (2021: 472.35). </div>\n<div class=\"t sb_106\" id=\"t1s_106\" style=\"left:74px;bottom:245px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">There were no options granted under the CSOP scheme in 2022. </div>\n<div class=\"t sh_106\" id=\"t1t_106\" style=\"left:74px;bottom:213px;letter-spacing:-0.03px;display:inline;\">The weighted average remaining contracted life of outstanding options at 31 December </div>\n<div class=\"t sb_106\" id=\"t1u_106\" style=\"left:74px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">2022 was five years and four months (2021: six years and three\u00a0months). The underlying </div>\n<div class=\"t sb_106\" id=\"t1v_106\" style=\"left:74px;bottom:177px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">expected volatility was determined by reference to historical data. No special features </div>\n<div class=\"t sb_106\" id=\"t1w_106\" style=\"left:74px;bottom:157px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">imminent to the options granted were incorporated into the measurement of fair value. </div>\n<div class=\"t sb_106\" id=\"t1x_106\" style=\"left:74px;bottom:125px;letter-spacing:-0.05px;display:inline;\">In total, \u00a320,000 of employee compensation by way of share-based payment expense </div>\n<div class=\"t sb_106\" id=\"t1y_106\" style=\"left:74px;bottom:107px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">has been included in the consolidated income statement for 2022 (2021: \u00a311,000). </div>\n<div class=\"t sb_106\" id=\"t1z_106\" style=\"left:74px;bottom:89px;letter-spacing:-0.3px;word-spacing:-0.05px;display:inline;\">The corresponding credit is taken to equity. No liabilities were recognised due to share-based </div>\n<div class=\"t sb_106\" id=\"t20_106\" style=\"left:74px;bottom:70px;letter-spacing:-0.27px;display:inline;\">transactions. </div>\n<div class=\"t sa_106\" id=\"t21_106\" style=\"left:621px;bottom:767px;letter-spacing:-0.08px;word-spacing:-0.03px;display:inline;\">b) Long Term Incentive Plan (LTIP) </div>\n<div class=\"t sh_106\" id=\"t22_106\" style=\"left:621px;bottom:745px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">The Remuneration Committee approved a new LTIP scheme on 6 April 2021. Under the </div>\n<div class=\"t sb_106\" id=\"t23_106\" style=\"left:621px;bottom:726px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">scheme share options of Personal Group Holdings Plc are granted to senior executives </div>\n<div class=\"t sb_106\" id=\"t24_106\" style=\"left:621px;bottom:708px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">with an Exercise Price of 5p (nominal value of the shares). The share options have various </div>\n<div class=\"t sb_106\" id=\"t25_106\" style=\"left:621px;bottom:690px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">market and non-market performance conditions which are required to be achieved </div>\n<div class=\"t sb_106\" id=\"t26_106\" style=\"left:621px;bottom:671px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">for the options to vest. The options also contain service conditions that require option </div>\n<div class=\"t sb_106\" id=\"t27_106\" style=\"left:621px;bottom:653px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">holders to remain in employment of the\u00a0Group. </div>\n<div class=\"t si_106\" id=\"t28_106\" style=\"left:621px;bottom:623px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">Total shareholder return (market condition) </div>\n<div class=\"t sb_106\" id=\"t29_106\" style=\"left:621px;bottom:603px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">50% of the awards vest under this condition. Subject to Compound Annual Growth Rate </div>\n<div class=\"t sb_106\" id=\"t2a_106\" style=\"left:621px;bottom:584px;letter-spacing:-0.07px;word-spacing:-0.02px;display:inline;\">(CAGR) of the Total Shareholder Return (TSR) over the Performance\u00a0Period. </div>\n<div class=\"t si_106\" id=\"t2b_106\" style=\"left:621px;bottom:554px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">EBITDA targets (non-market condition) </div>\n<div class=\"t sh_106\" id=\"t2c_106\" style=\"left:621px;bottom:534px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">35% of the awards vest under this condition. Subject to cumulative EBITDA over the </div>\n<div class=\"t sb_106\" id=\"t2d_106\" style=\"left:621px;bottom:516px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Performance Period. </div>\n<div class=\"t si_106\" id=\"t2e_106\" style=\"left:621px;bottom:486px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Environmental, social and governance targets (ESG) (non-market condition) </div>\n<div class=\"t sb_106\" id=\"t2f_106\" style=\"left:621px;bottom:465px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Up to 15% of the awards vest under this condition. The awards shall vest upon the </div>\n<div class=\"t sb_106\" id=\"t2g_106\" style=\"left:621px;bottom:447px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Remuneration Committee determining that all ESG targets have been\u00a0met. </div>\n<div class=\"t sb_106\" id=\"t2h_106\" style=\"left:621px;bottom:416px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">The fair value of the share options is estimated at the grant date using a Monte-Carlo </div>\n<div class=\"t sb_106\" id=\"t2i_106\" style=\"left:621px;bottom:397px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">binomial option pricing model for the market conditions, and a Black-Scholes pricing </div>\n<div class=\"t sb_106\" id=\"t2j_106\" style=\"left:621px;bottom:379px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">model for non-market conditions. However, the above performance condition is only </div>\n<div class=\"t sb_106\" id=\"t2k_106\" style=\"left:621px;bottom:361px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">considered in determining the number of instruments that will ultimately vest. </div>\n<div class=\"t sb_106\" id=\"t2l_106\" style=\"left:621px;bottom:329px;letter-spacing:-0.03px;display:inline;\">There are no cash settlements alternatives. The Group does not have a past practice </div>\n<div class=\"t sb_106\" id=\"t2m_106\" style=\"left:621px;bottom:311px;letter-spacing:-0.06px;word-spacing:-0.03px;display:inline;\">of cash settlement for these share options. The Group accounts for the LTIP as an </div>\n<div class=\"t sb_106\" id=\"t2n_106\" style=\"left:621px;bottom:293px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">equity-settled plan. </div>\n<div class=\"t sb_106\" id=\"t2o_106\" style=\"left:621px;bottom:261px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">Two tranches of awards have been made to date in April 2021 and April 2022. </div>\n<div class=\"t sh_106\" id=\"t2p_106\" style=\"left:621px;bottom:230px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">In total, \u00a3291,000 of employee share-based compensation has been included in the </div>\n<div class=\"t sh_106\" id=\"t2q_106\" style=\"left:621px;bottom:212px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">consolidated income statement to 31 December 2022 (2021: \u00a3158,000). The corresponding </div>\n<div class=\"t sb_106\" id=\"t2r_106\" style=\"left:621px;bottom:193px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">credit is taken to equity. No liabilities were recognised from share-based transactions. </div><div></div><div class=\"t s1_107\" id=\"t1_107\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_107\" id=\"t2_107\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_107\" id=\"t3_107\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_107\" id=\"t4_107\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_107\" id=\"t5_107\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_107\" id=\"t6_107\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_107\" id=\"t7_107\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_107\" id=\"t8_107\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_107\" id=\"t9_107\" style=\"left:1091px;bottom:878px;letter-spacing:-0.26px;display:inline;\"> </div>\n<div class=\"t s8_107\" id=\"tc_107\" style=\"left:74px;bottom:765px;letter-spacing:0.24px;word-spacing:2.15px;display:inline;\">23 Deferred tax </div>\n<div class=\"t s9_107\" id=\"td_107\" style=\"left:312px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t s9_107\" id=\"te_107\" style=\"left:486px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"tf_107\" style=\"left:243px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tg_107\" style=\"left:280px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t s9_107\" id=\"th_107\" style=\"left:284px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"ti_107\" style=\"left:330px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tj_107\" style=\"left:347px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t s9_107\" id=\"tk_107\" style=\"left:371px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"tl_107\" style=\"left:416px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tm_107\" style=\"left:453px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t s9_107\" id=\"tn_107\" style=\"left:457px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"to_107\" style=\"left:503px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tp_107\" style=\"left:520px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t s9_107\" id=\"tq_107\" style=\"left:544px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_107\" id=\"tr_107\" style=\"left:78px;bottom:662px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Non-current assets and </div>\n<div class=\"t s4_107\" id=\"ts_107\" style=\"left:78px;bottom:645px;letter-spacing:0.09px;display:inline;\">liabilities </div>\n<div class=\"t sa_107\" id=\"tt_107\" style=\"left:78px;bottom:623px;letter-spacing:0.05px;word-spacing:0.04px;display:inline;\">Property, plant and </div>\n<div class=\"t sa_107\" id=\"tu_107\" style=\"left:78px;bottom:605px;letter-spacing:0.12px;display:inline;\">equipment </div><div class=\"t sb_107\" id=\"tv_107\" style=\"left:305px;bottom:605px;letter-spacing:0.33px;display:inline;\">19 </div><div class=\"t s4_107\" id=\"tw_107\" style=\"left:385px;bottom:605px;letter-spacing:0.45px;display:inline;\">664 </div><div class=\"t sc_107\" id=\"tx_107\" style=\"left:479px;bottom:605px;letter-spacing:-0.08px;display:inline;\">17 </div><div class=\"t sc_107\" id=\"ty_107\" style=\"left:559px;bottom:605px;letter-spacing:0.18px;display:inline;\">429 </div>\n<div class=\"t sa_107\" id=\"tz_107\" style=\"left:78px;bottom:583px;letter-spacing:0.09px;word-spacing:-0.34px;display:inline;\">Intangible Assets </div><div class=\"t s4_107\" id=\"t10_107\" style=\"left:312px;bottom:583px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t11_107\" style=\"left:385px;bottom:583px;letter-spacing:0.36px;display:inline;\">102 </div><div class=\"t sd_107\" id=\"t12_107\" style=\"left:485px;bottom:583px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t13_107\" style=\"left:565px;bottom:583px;letter-spacing:0.42px;display:inline;\">66 </div>\n<div class=\"t sa_107\" id=\"t14_107\" style=\"left:78px;bottom:561px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Share Options </div><div class=\"t s4_107\" id=\"t15_107\" style=\"left:305px;bottom:561px;letter-spacing:0.4px;display:inline;\">66 </div><div class=\"t s4_107\" id=\"t16_107\" style=\"left:398px;bottom:561px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t17_107\" style=\"left:485px;bottom:561px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t18_107\" style=\"left:571px;bottom:561px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t19_107\" style=\"left:305px;bottom:539px;letter-spacing:0.26px;display:inline;\">85 </div><div class=\"t s4_107\" id=\"t1a_107\" style=\"left:386px;bottom:539px;letter-spacing:0.28px;display:inline;\">766 </div><div class=\"t sc_107\" id=\"t1b_107\" style=\"left:479px;bottom:539px;letter-spacing:-0.08px;display:inline;\">17 </div><div class=\"t sc_107\" id=\"t1c_107\" style=\"left:559px;bottom:539px;letter-spacing:0.2px;display:inline;\">495 </div>\n<div class=\"t sa_107\" id=\"t1d_107\" style=\"left:78px;bottom:517px;letter-spacing:0.1px;display:inline;\">Offset </div><div class=\"t s4_107\" id=\"t1e_107\" style=\"left:302px;bottom:517px;letter-spacing:0.19px;display:inline;\">(85) </div><div class=\"t s4_107\" id=\"t1f_107\" style=\"left:388px;bottom:517px;letter-spacing:0.19px;display:inline;\">(85) </div><div class=\"t sc_107\" id=\"t1g_107\" style=\"left:476px;bottom:517px;letter-spacing:0.11px;display:inline;\">(17) </div><div class=\"t sc_107\" id=\"t1h_107\" style=\"left:562px;bottom:517px;letter-spacing:0.11px;display:inline;\">(17) </div>\n<div class=\"t s4_107\" id=\"t1i_107\" style=\"left:78px;bottom:494px;letter-spacing:0.04px;word-spacing:-0.02px;display:inline;\">Total deferred tax </div><div class=\"t s4_107\" id=\"t1j_107\" style=\"left:312px;bottom:494px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t1k_107\" style=\"left:385px;bottom:494px;letter-spacing:0.36px;display:inline;\">681 </div><div class=\"t sd_107\" id=\"t1l_107\" style=\"left:485px;bottom:494px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t1m_107\" style=\"left:559px;bottom:494px;letter-spacing:0.07px;display:inline;\">478 </div>\n<div class=\"t s9_107\" id=\"t1n_107\" style=\"left:462px;bottom:451px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t1o_107\" style=\"left:457px;bottom:435px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t1p_107\" style=\"left:550px;bottom:451px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t1q_107\" style=\"left:544px;bottom:435px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t1r_107\" style=\"left:78px;bottom:413px;letter-spacing:0.06px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t s4_107\" id=\"t1s_107\" style=\"left:469px;bottom:413px;letter-spacing:0.08px;display:inline;\">(478) </div><div class=\"t sd_107\" id=\"t1t_107\" style=\"left:555px;bottom:413px;letter-spacing:0.24px;display:inline;\">(399) </div>\n<div class=\"t sa_107\" id=\"t1u_107\" style=\"left:78px;bottom:391px;letter-spacing:0.09px;word-spacing:-0.33px;display:inline;\">Business Acquisition </div><div class=\"t sb_107\" id=\"t1v_107\" style=\"left:475px;bottom:391px;letter-spacing:0.15px;display:inline;\">(81) </div><div class=\"t sd_107\" id=\"t1w_107\" style=\"left:572px;bottom:391px;display:inline;\">\u2013 </div>\n<div class=\"t sa_107\" id=\"t1x_107\" style=\"left:78px;bottom:369px;letter-spacing:0.05px;word-spacing:-0.1px;display:inline;\">Current year movement </div><div class=\"t sb_107\" id=\"t1y_107\" style=\"left:469px;bottom:369px;letter-spacing:0.19px;display:inline;\">(122) </div><div class=\"t sc_107\" id=\"t1z_107\" style=\"left:562px;bottom:369px;letter-spacing:0.14px;display:inline;\">(12) </div>\n<div class=\"t sa_107\" id=\"t20_107\" style=\"left:78px;bottom:346px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Movement in provisions due to tax rate changes </div><div class=\"t s4_107\" id=\"t21_107\" style=\"left:485px;bottom:346px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t22_107\" style=\"left:562px;bottom:346px;letter-spacing:0.22px;display:inline;\">(67) </div>\n<div class=\"t sa_107\" id=\"t23_107\" style=\"left:78px;bottom:324px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_107\" id=\"t24_107\" style=\"left:468px;bottom:324px;letter-spacing:0.22px;display:inline;\">(681) </div><div class=\"t sd_107\" id=\"t25_107\" style=\"left:556px;bottom:324px;letter-spacing:0.04px;display:inline;\">(478) </div>\n<div class=\"t se_107\" id=\"t26_107\" style=\"left:74px;bottom:285px;letter-spacing:-0.17px;display:inline;\">At 31 December 2022 the Group had tax losses of \u00a3940,000 (2021: \u00a3945,000) in one of </div>\n<div class=\"t sf_107\" id=\"t27_107\" style=\"left:74px;bottom:267px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">its subsidiaries available to carry forward to offset against future profits of the same </div>\n<div class=\"t sf_107\" id=\"t28_107\" style=\"left:74px;bottom:249px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">trades. A deferred tax asset has not been recognised in respect of the carried forward </div>\n<div class=\"t sf_107\" id=\"t29_107\" style=\"left:74px;bottom:230px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">tax losses as there is uncertainty as to whether they will be utilised given the trade is </div>\n<div class=\"t sf_107\" id=\"t2a_107\" style=\"left:74px;bottom:212px;letter-spacing:-0.04px;display:inline;\">no longer a significant component of the\u00a0Group. </div>\n<div class=\"t sg_107\" id=\"t2b_107\" style=\"left:621px;bottom:765px;letter-spacing:0.17px;word-spacing:1.1px;display:inline;\">24 Trade and other payables </div>\n<div class=\"t s9_107\" id=\"t2c_107\" style=\"left:626px;bottom:700px;letter-spacing:-0.02px;display:inline;\">Current </div>\n<div class=\"t s9_107\" id=\"t2d_107\" style=\"left:909px;bottom:739px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t s9_107\" id=\"t2e_107\" style=\"left:1038px;bottom:739px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t s9_107\" id=\"t2f_107\" style=\"left:888px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t2g_107\" style=\"left:884px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2h_107\" style=\"left:959px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t2i_107\" style=\"left:953px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2j_107\" style=\"left:1027px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t2k_107\" style=\"left:1022px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2l_107\" style=\"left:1098px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t2m_107\" style=\"left:1092px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t2n_107\" style=\"left:626px;bottom:678px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Financial liabilities measured at amortised </div>\n<div class=\"t sa_107\" id=\"t2o_107\" style=\"left:626px;bottom:661px;letter-spacing:0.07px;display:inline;\">cost: </div>\n<div class=\"t sa_107\" id=\"t2p_107\" style=\"left:626px;bottom:639px;letter-spacing:0.09px;word-spacing:-0.21px;display:inline;\">Amounts owed to subsidiary undertakings </div><div class=\"t s4_107\" id=\"t2q_107\" style=\"left:914px;bottom:639px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t2r_107\" style=\"left:983px;bottom:639px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t2s_107\" style=\"left:1040px;bottom:639px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t sc_107\" id=\"t2t_107\" style=\"left:1109px;bottom:639px;letter-spacing:0.32px;display:inline;\">257 </div>\n<div class=\"t sa_107\" id=\"t2u_107\" style=\"left:626px;bottom:617px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Other creditors </div><div class=\"t sb_107\" id=\"t2v_107\" style=\"left:891px;bottom:617px;letter-spacing:0.36px;display:inline;\">8,106 </div><div class=\"t sc_107\" id=\"t2w_107\" style=\"left:961px;bottom:617px;letter-spacing:0.26px;display:inline;\">8,099 </div><div class=\"t sb_107\" id=\"t2x_107\" style=\"left:1046px;bottom:617px;letter-spacing:0.41px;display:inline;\">80 </div><div class=\"t sc_107\" id=\"t2y_107\" style=\"left:1115px;bottom:617px;letter-spacing:0.26px;display:inline;\">26 </div>\n<div class=\"t sa_107\" id=\"t2z_107\" style=\"left:626px;bottom:594px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Right of use creditor </div><div class=\"t sb_107\" id=\"t30_107\" style=\"left:900px;bottom:594px;letter-spacing:0.48px;display:inline;\">148 </div><div class=\"t sc_107\" id=\"t31_107\" style=\"left:977px;bottom:594px;letter-spacing:0.18px;display:inline;\">72 </div><div class=\"t sb_107\" id=\"t32_107\" style=\"left:1039px;bottom:594px;letter-spacing:0.29px;display:inline;\">211 </div><div class=\"t sd_107\" id=\"t33_107\" style=\"left:1121px;bottom:594px;display:inline;\">\u2013 </div>\n<div class=\"t sa_107\" id=\"t34_107\" style=\"left:626px;bottom:572px;letter-spacing:0.08px;display:inline;\">Accruals </div><div class=\"t sb_107\" id=\"t35_107\" style=\"left:890px;bottom:572px;letter-spacing:0.43px;display:inline;\">1,964 </div><div class=\"t sc_107\" id=\"t36_107\" style=\"left:961px;bottom:572px;letter-spacing:0.27px;display:inline;\">3,290 </div><div class=\"t s4_107\" id=\"t37_107\" style=\"left:1052px;bottom:572px;display:inline;\">\u2013 </div><div class=\"t sc_107\" id=\"t38_107\" style=\"left:1109px;bottom:572px;letter-spacing:0.21px;display:inline;\">214 </div>\n<div class=\"t sa_107\" id=\"t39_107\" style=\"left:626px;bottom:550px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Deferred income </div><div class=\"t sb_107\" id=\"t3a_107\" style=\"left:890px;bottom:550px;letter-spacing:0.41px;display:inline;\">1,128 </div><div class=\"t sc_107\" id=\"t3b_107\" style=\"left:970px;bottom:550px;letter-spacing:0.29px;display:inline;\">895 </div><div class=\"t s4_107\" id=\"t3c_107\" style=\"left:1052px;bottom:550px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t3d_107\" style=\"left:1121px;bottom:550px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t3e_107\" style=\"left:626px;bottom:528px;letter-spacing:0.04px;word-spacing:0.02px;display:inline;\">Total trade and other payables </div><div class=\"t sb_107\" id=\"t3f_107\" style=\"left:884px;bottom:528px;letter-spacing:0.42px;display:inline;\">11,346 </div><div class=\"t sc_107\" id=\"t3g_107\" style=\"left:954px;bottom:528px;letter-spacing:0.3px;display:inline;\">12,356 </div><div class=\"t sb_107\" id=\"t3h_107\" style=\"left:1039px;bottom:528px;letter-spacing:0.29px;display:inline;\">722 </div><div class=\"t sd_107\" id=\"t3i_107\" style=\"left:1109px;bottom:528px;letter-spacing:0.07px;display:inline;\">497 </div>\n<div class=\"t s9_107\" id=\"t3j_107\" style=\"left:626px;bottom:446px;letter-spacing:-0.02px;display:inline;\">Non-Current </div>\n<div class=\"t s9_107\" id=\"t3k_107\" style=\"left:909px;bottom:484px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t s9_107\" id=\"t3l_107\" style=\"left:1038px;bottom:484px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t s9_107\" id=\"t3m_107\" style=\"left:888px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t3n_107\" style=\"left:884px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3o_107\" style=\"left:959px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t3p_107\" style=\"left:953px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3q_107\" style=\"left:1027px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t3r_107\" style=\"left:1022px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3s_107\" style=\"left:1098px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t3t_107\" style=\"left:1092px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t3u_107\" style=\"left:626px;bottom:424px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Right of use creditor </div><div class=\"t sb_107\" id=\"t3v_107\" style=\"left:899px;bottom:424px;letter-spacing:0.38px;display:inline;\">130 </div><div class=\"t sc_107\" id=\"t3w_107\" style=\"left:968px;bottom:424px;letter-spacing:0.42px;display:inline;\">402 </div><div class=\"t s4_107\" id=\"t3x_107\" style=\"left:1050px;bottom:424px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t3y_107\" style=\"left:1119px;bottom:424px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t3z_107\" style=\"left:626px;bottom:402px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sb_107\" id=\"t40_107\" style=\"left:899px;bottom:402px;letter-spacing:0.38px;display:inline;\">130 </div><div class=\"t sc_107\" id=\"t41_107\" style=\"left:968px;bottom:402px;letter-spacing:0.42px;display:inline;\">402 </div><div class=\"t s4_107\" id=\"t42_107\" style=\"left:1050px;bottom:402px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t43_107\" style=\"left:1119px;bottom:402px;display:inline;\">\u2013 </div>\n<div class=\"t sf_107\" id=\"t44_107\" style=\"left:621px;bottom:363px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">These liabilities are not secured against any assets of the Group. </div>\n<div class=\"t sf_107\" id=\"t45_107\" style=\"left:621px;bottom:331px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Other creditors include insurance and non-insurance trade creditors, and creditors </div>\n<div class=\"t sf_107\" id=\"t46_107\" style=\"left:621px;bottom:313px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">relating to e-vouchers from the platform. </div>\n<div class=\"t sg_107\" id=\"t47_107\" style=\"left:621px;bottom:279px;letter-spacing:0.19px;word-spacing:1.44px;display:inline;\">25 Insurance contract liabilities </div>\n<div class=\"t s9_107\" id=\"t48_107\" style=\"left:1027px;bottom:253px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t49_107\" style=\"left:1022px;bottom:237px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t4a_107\" style=\"left:1098px;bottom:253px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t4b_107\" style=\"left:1092px;bottom:237px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t4c_107\" style=\"left:626px;bottom:215px;letter-spacing:0.06px;word-spacing:-0.04px;display:inline;\">Provision for claims </div><div class=\"t sb_107\" id=\"t4d_107\" style=\"left:1027px;bottom:215px;letter-spacing:0.4px;display:inline;\">2,194 </div><div class=\"t sc_107\" id=\"t4e_107\" style=\"left:1097px;bottom:215px;letter-spacing:0.21px;display:inline;\">2,061 </div>\n<div class=\"t sa_107\" id=\"t4f_107\" style=\"left:626px;bottom:193px;letter-spacing:0.1px;display:inline;\">Claims settlement expenses </div><div class=\"t sb_107\" id=\"t4g_107\" style=\"left:1037px;bottom:193px;letter-spacing:0.28px;display:inline;\">127 </div><div class=\"t sc_107\" id=\"t4h_107\" style=\"left:1107px;bottom:193px;letter-spacing:0.23px;display:inline;\">127 </div>\n<div class=\"t sa_107\" id=\"t4i_107\" style=\"left:626px;bottom:171px;letter-spacing:0.11px;word-spacing:0.01px;display:inline;\">Unearned premiums </div><div class=\"t sb_107\" id=\"t4j_107\" style=\"left:1027px;bottom:171px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t sd_107\" id=\"t4k_107\" style=\"left:1106px;bottom:171px;letter-spacing:0.39px;display:inline;\">899 </div>\n<div class=\"t s4_107\" id=\"t4l_107\" style=\"left:626px;bottom:149px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Total insurance contract liabilities </div><div class=\"t sb_107\" id=\"t4m_107\" style=\"left:1028px;bottom:149px;letter-spacing:0.09px;display:inline;\">3,474 </div><div class=\"t sc_107\" id=\"t4n_107\" style=\"left:1097px;bottom:149px;letter-spacing:0.16px;display:inline;\">3,087 </div><div></div><div class=\"t s1_108\" id=\"t1_108\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_108\" id=\"t2_108\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_108\" id=\"t3_108\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_108\" id=\"t4_108\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_108\" id=\"t5_108\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_108\" id=\"t6_108\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_108\" id=\"t7_108\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_108\" id=\"t8_108\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_108\" id=\"t9_108\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"></div>\n<div class=\"t sa_108\" id=\"te_108\" style=\"left:74px;bottom:743px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The provision for claims represents the gross estimated liability arising from claim </div>\n<div class=\"t sa_108\" id=\"tf_108\" style=\"left:74px;bottom:725px;letter-spacing:-0.16px;word-spacing:-0.07px;display:inline;\">episodes in the current and preceding financial years which have not given rise to claims </div>\n<div class=\"t sa_108\" id=\"tg_108\" style=\"left:74px;bottom:707px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">paid. It is estimated based on current information, and the ultimate liability may vary as </div>\n<div class=\"t sa_108\" id=\"th_108\" style=\"left:74px;bottom:688px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">a result of subsequent information and events. Adjustments to the amount of claims </div>\n<div class=\"t sa_108\" id=\"ti_108\" style=\"left:74px;bottom:670px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">provision for prior years are included in the Income Statement in the financial year in </div>\n<div class=\"t sa_108\" id=\"tj_108\" style=\"left:74px;bottom:652px;letter-spacing:-0.01px;word-spacing:-0.06px;display:inline;\">which the change is made. </div>\n<div class=\"t sa_108\" id=\"tk_108\" style=\"left:74px;bottom:620px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">The valuation of the provision for claims outstanding in the Group\u2019s subsidiary, Personal </div>\n<div class=\"t sa_108\" id=\"tl_108\" style=\"left:74px;bottom:602px;letter-spacing:-0.17px;word-spacing:0.04px;display:inline;\">Assurance Plc, of \u00a31,298,000 (2021: \u00a31,121,000) is estimated by using a Chain Ladder </div>\n<div class=\"t sa_108\" id=\"tm_108\" style=\"left:74px;bottom:584px;letter-spacing:-0.15px;word-spacing:-0.09px;display:inline;\">method, and the main assumption underlying this technique is that the Company\u2019s past </div>\n<div class=\"t sa_108\" id=\"tn_108\" style=\"left:74px;bottom:565px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">claims development experience can be used to project future claims development and </div>\n<div class=\"t sa_108\" id=\"to_108\" style=\"left:74px;bottom:547px;letter-spacing:-0.15px;word-spacing:0.02px;display:inline;\">hence ultimate claims\u00a0costs. </div>\n<div class=\"t sa_108\" id=\"tp_108\" style=\"left:621px;bottom:768px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">The valuation of the provision for claims outstanding in the Group's subsidiary, Personal </div>\n<div class=\"t sa_108\" id=\"tq_108\" style=\"left:621px;bottom:749px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Assurance Group Guernsey Limited of \u00a3836,000 (2021: \u00a3933,000) is also estimated based </div>\n<div class=\"t sa_108\" id=\"tr_108\" style=\"left:621px;bottom:731px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">on the Company's past claims experience to predict future claims and claims costs. </div>\n<div class=\"t sa_108\" id=\"ts_108\" style=\"left:621px;bottom:700px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">It is estimated that the majority of all claims will be paid within 12 months and therefore </div>\n<div class=\"t sa_108\" id=\"tt_108\" style=\"left:621px;bottom:681px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">claims development information is not disclosed. </div>\n<div class=\"t sa_108\" id=\"tu_108\" style=\"left:621px;bottom:650px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">In setting the provision for claims outstanding, a best estimate is determined on </div>\n<div class=\"t sa_108\" id=\"tv_108\" style=\"left:621px;bottom:632px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">an undiscounted basis and then a margin of prudence is added such that there is </div>\n<div class=\"t sa_108\" id=\"tw_108\" style=\"left:621px;bottom:613px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">confidence that future claims will be met from the provisions. The level of prudence set </div>\n<div class=\"t sa_108\" id=\"tx_108\" style=\"left:621px;bottom:595px;letter-spacing:-0.04px;display:inline;\">is one that provides an appropriate degree of confidence. </div>\n<div class=\"t sb_108\" id=\"ty_108\" style=\"left:74px;bottom:517px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">a) Claims </div>\n<div class=\"t sc_108\" id=\"tz_108\" style=\"left:691px;bottom:490px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_108\" id=\"t10_108\" style=\"left:978px;bottom:490px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_108\" id=\"t11_108\" style=\"left:617px;bottom:468px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t12_108\" style=\"left:615px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t13_108\" style=\"left:672px;bottom:468px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t14_108\" style=\"left:711px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t15_108\" style=\"left:818px;bottom:468px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t16_108\" style=\"left:806px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t17_108\" style=\"left:903px;bottom:468px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t18_108\" style=\"left:901px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t19_108\" style=\"left:958px;bottom:468px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t1a_108\" style=\"left:996px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t1b_108\" style=\"left:1104px;bottom:468px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t1c_108\" style=\"left:1092px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sd_108\" id=\"t1d_108\" style=\"left:78px;bottom:430px;letter-spacing:0.07px;word-spacing:-0.06px;display:inline;\">Provision for claims at 1 January </div><div class=\"t se_108\" id=\"t1e_108\" style=\"left:620px;bottom:430px;letter-spacing:0.32px;display:inline;\">2,061 </div><div class=\"t se_108\" id=\"t1f_108\" style=\"left:728px;bottom:430px;letter-spacing:0.22px;display:inline;\">(57) </div><div class=\"t se_108\" id=\"t1g_108\" style=\"left:810px;bottom:430px;letter-spacing:0.4px;display:inline;\">2,004 </div><div class=\"t sf_108\" id=\"t1h_108\" style=\"left:907px;bottom:430px;letter-spacing:0.24px;display:inline;\">2,336 </div><div class=\"t sf_108\" id=\"t1i_108\" style=\"left:1015px;bottom:430px;letter-spacing:0.13px;display:inline;\">(18) </div><div class=\"t sf_108\" id=\"t1j_108\" style=\"left:1097px;bottom:430px;letter-spacing:0.24px;display:inline;\">2,318 </div>\n<div class=\"t sd_108\" id=\"t1k_108\" style=\"left:78px;bottom:408px;letter-spacing:0.08px;word-spacing:-0.12px;display:inline;\">Claims paid during the financial year </div><div class=\"t se_108\" id=\"t1l_108\" style=\"left:617px;bottom:408px;letter-spacing:0.18px;display:inline;\">(6,353) </div><div class=\"t s4_108\" id=\"t1m_108\" style=\"left:732px;bottom:408px;letter-spacing:0.4px;display:inline;\">66 </div><div class=\"t se_108\" id=\"t1n_108\" style=\"left:807px;bottom:408px;letter-spacing:0.28px;display:inline;\">(6,287) </div><div class=\"t sf_108\" id=\"t1o_108\" style=\"left:903px;bottom:408px;letter-spacing:0.23px;display:inline;\">(5,884) </div><div class=\"t sf_108\" id=\"t1p_108\" style=\"left:1018px;bottom:408px;letter-spacing:0.26px;display:inline;\">63 </div><div class=\"t sf_108\" id=\"t1q_108\" style=\"left:1094px;bottom:408px;letter-spacing:0.16px;display:inline;\">(5,821) </div>\n<div class=\"t sd_108\" id=\"t1r_108\" style=\"left:78px;bottom:386px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Increase/(decrease) in liabilities: </div>\n<div class=\"t sd_108\" id=\"t1s_108\" style=\"left:95px;bottom:363px;letter-spacing:0.07px;word-spacing:-0.08px;display:inline;\">Arising from current year claims </div><div class=\"t se_108\" id=\"t1t_108\" style=\"left:621px;bottom:363px;letter-spacing:0.19px;display:inline;\">6,627 </div><div class=\"t se_108\" id=\"t1u_108\" style=\"left:728px;bottom:363px;letter-spacing:0.19px;display:inline;\">(16) </div><div class=\"t se_108\" id=\"t1v_108\" style=\"left:811px;bottom:363px;letter-spacing:0.23px;display:inline;\">6,611 </div><div class=\"t sf_108\" id=\"t1w_108\" style=\"left:907px;bottom:363px;letter-spacing:0.23px;display:inline;\">6,469 </div><div class=\"t sf_108\" id=\"t1x_108\" style=\"left:1015px;bottom:363px;display:inline;\">(43) </div><div class=\"t sf_108\" id=\"t1y_108\" style=\"left:1098px;bottom:363px;letter-spacing:0.13px;display:inline;\">6,426 </div>\n<div class=\"t sd_108\" id=\"t1z_108\" style=\"left:95px;bottom:341px;letter-spacing:0.06px;word-spacing:-0.08px;display:inline;\">Arising from prior year claims </div><div class=\"t se_108\" id=\"t20_108\" style=\"left:626px;bottom:341px;letter-spacing:0.26px;display:inline;\">(141) </div><div class=\"t s4_108\" id=\"t21_108\" style=\"left:728px;bottom:341px;letter-spacing:0.17px;display:inline;\">(48) </div><div class=\"t se_108\" id=\"t22_108\" style=\"left:817px;bottom:341px;letter-spacing:0.23px;display:inline;\">(189) </div><div class=\"t sf_108\" id=\"t23_108\" style=\"left:913px;bottom:341px;letter-spacing:0.24px;display:inline;\">(860) </div><div class=\"t sf_108\" id=\"t24_108\" style=\"left:1015px;bottom:341px;letter-spacing:0.1px;display:inline;\">(59) </div><div class=\"t sf_108\" id=\"t25_108\" style=\"left:1104px;bottom:341px;letter-spacing:0.14px;display:inline;\">(919) </div>\n<div class=\"t sd_108\" id=\"t26_108\" style=\"left:78px;bottom:319px;word-spacing:0.12px;display:inline;\">Total movement </div><div class=\"t se_108\" id=\"t27_108\" style=\"left:630px;bottom:319px;letter-spacing:0.28px;display:inline;\">133 </div><div class=\"t se_108\" id=\"t28_108\" style=\"left:739px;bottom:319px;display:inline;\">2 </div><div class=\"t se_108\" id=\"t29_108\" style=\"left:821px;bottom:319px;letter-spacing:0.3px;display:inline;\">135 </div><div class=\"t sf_108\" id=\"t2a_108\" style=\"left:913px;bottom:319px;letter-spacing:0.12px;display:inline;\">(275) </div><div class=\"t sf_108\" id=\"t2b_108\" style=\"left:1015px;bottom:319px;letter-spacing:0.18px;display:inline;\">(39) </div><div class=\"t sf_108\" id=\"t2c_108\" style=\"left:1104px;bottom:319px;letter-spacing:0.14px;display:inline;\">(314) </div>\n<div class=\"t s4_108\" id=\"t2d_108\" style=\"left:78px;bottom:297px;letter-spacing:0.08px;display:inline;\">Provision for claims at 31 December </div><div class=\"t se_108\" id=\"t2e_108\" style=\"left:620px;bottom:297px;letter-spacing:0.4px;display:inline;\">2,194 </div><div class=\"t se_108\" id=\"t2f_108\" style=\"left:728px;bottom:297px;letter-spacing:0.16px;display:inline;\">(55) </div><div class=\"t se_108\" id=\"t2g_108\" style=\"left:810px;bottom:297px;letter-spacing:0.38px;display:inline;\">2,139 </div><div class=\"t sf_108\" id=\"t2h_108\" style=\"left:907px;bottom:297px;letter-spacing:0.21px;display:inline;\">2,061 </div><div class=\"t sg_108\" id=\"t2i_108\" style=\"left:1014px;bottom:297px;letter-spacing:0.24px;display:inline;\">(57) </div><div class=\"t sf_108\" id=\"t2j_108\" style=\"left:1097px;bottom:297px;letter-spacing:0.33px;display:inline;\">2,004 </div>\n<div class=\"t sb_108\" id=\"t2k_108\" style=\"left:74px;bottom:259px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">b) Unearned premiums </div>\n<div class=\"t sc_108\" id=\"t2l_108\" style=\"left:691px;bottom:232px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_108\" id=\"t2m_108\" style=\"left:978px;bottom:232px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_108\" id=\"t2n_108\" style=\"left:617px;bottom:210px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t2o_108\" style=\"left:615px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2p_108\" style=\"left:672px;bottom:210px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t2q_108\" style=\"left:711px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2r_108\" style=\"left:818px;bottom:210px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t2s_108\" style=\"left:806px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2t_108\" style=\"left:903px;bottom:210px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t2u_108\" style=\"left:901px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2v_108\" style=\"left:958px;bottom:210px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t2w_108\" style=\"left:996px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2x_108\" style=\"left:1104px;bottom:210px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t2y_108\" style=\"left:1092px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sd_108\" id=\"t2z_108\" style=\"left:78px;bottom:172px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t s4_108\" id=\"t30_108\" style=\"left:630px;bottom:172px;letter-spacing:0.36px;display:inline;\">899 </div><div class=\"t se_108\" id=\"t31_108\" style=\"left:729px;bottom:172px;letter-spacing:0.12px;display:inline;\">(51) </div><div class=\"t s4_108\" id=\"t32_108\" style=\"left:820px;bottom:172px;letter-spacing:0.47px;display:inline;\">848 </div><div class=\"t sf_108\" id=\"t33_108\" style=\"left:916px;bottom:172px;letter-spacing:0.26px;display:inline;\">695 </div><div class=\"t sf_108\" id=\"t34_108\" style=\"left:1015px;bottom:172px;letter-spacing:0.18px;display:inline;\">(60) </div><div class=\"t sf_108\" id=\"t35_108\" style=\"left:1107px;bottom:172px;letter-spacing:0.22px;display:inline;\">635 </div>\n<div class=\"t sd_108\" id=\"t36_108\" style=\"left:78px;bottom:150px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Increase in the financial year </div><div class=\"t se_108\" id=\"t37_108\" style=\"left:614px;bottom:150px;letter-spacing:0.29px;display:inline;\">25,660 </div><div class=\"t se_108\" id=\"t38_108\" style=\"left:722px;bottom:150px;letter-spacing:0.24px;display:inline;\">(138) </div><div class=\"t se_108\" id=\"t39_108\" style=\"left:804px;bottom:150px;letter-spacing:0.28px;display:inline;\">25,522 </div><div class=\"t sf_108\" id=\"t3a_108\" style=\"left:900px;bottom:150px;letter-spacing:0.23px;display:inline;\">25,050 </div><div class=\"t sf_108\" id=\"t3b_108\" style=\"left:1009px;bottom:150px;letter-spacing:0.08px;display:inline;\">(163) </div><div class=\"t sf_108\" id=\"t3c_108\" style=\"left:1091px;bottom:150px;letter-spacing:0.19px;display:inline;\">24,887 </div>\n<div class=\"t sd_108\" id=\"t3d_108\" style=\"left:78px;bottom:127px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Release in the financial year </div><div class=\"t se_108\" id=\"t3e_108\" style=\"left:610px;bottom:127px;letter-spacing:0.29px;display:inline;\">(25,406) </div><div class=\"t se_108\" id=\"t3f_108\" style=\"left:725px;bottom:127px;letter-spacing:0.39px;display:inline;\">149 </div><div class=\"t se_108\" id=\"t3g_108\" style=\"left:800px;bottom:127px;letter-spacing:0.27px;display:inline;\">(25,257) </div><div class=\"t sf_108\" id=\"t3h_108\" style=\"left:897px;bottom:127px;letter-spacing:0.22px;display:inline;\">(24,846) </div><div class=\"t sf_108\" id=\"t3i_108\" style=\"left:1012px;bottom:127px;letter-spacing:0.05px;display:inline;\">172 </div><div class=\"t sf_108\" id=\"t3j_108\" style=\"left:1089px;bottom:127px;letter-spacing:-0.01px;display:inline;\">(24,674) </div>\n<div class=\"t sd_108\" id=\"t3k_108\" style=\"left:78px;bottom:105px;letter-spacing:0.07px;word-spacing:-0.13px;display:inline;\">Movement in the financial year </div><div class=\"t se_108\" id=\"t3l_108\" style=\"left:630px;bottom:105px;letter-spacing:0.41px;display:inline;\">254 </div><div class=\"t se_108\" id=\"t3m_108\" style=\"left:732px;bottom:105px;letter-spacing:0.34px;display:inline;\">11 </div><div class=\"t se_108\" id=\"t3n_108\" style=\"left:821px;bottom:105px;letter-spacing:0.24px;display:inline;\">265 </div><div class=\"t sf_108\" id=\"t3o_108\" style=\"left:916px;bottom:105px;letter-spacing:0.42px;display:inline;\">204 </div><div class=\"t sf_108\" id=\"t3p_108\" style=\"left:1024px;bottom:105px;display:inline;\">9 </div><div class=\"t sf_108\" id=\"t3q_108\" style=\"left:1106px;bottom:105px;letter-spacing:0.36px;display:inline;\">213 </div>\n<div class=\"t s4_108\" id=\"t3r_108\" style=\"left:78px;bottom:83px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">At 31 December </div><div class=\"t se_108\" id=\"t3s_108\" style=\"left:620px;bottom:83px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t se_108\" id=\"t3t_108\" style=\"left:728px;bottom:83px;letter-spacing:0.17px;display:inline;\">(40) </div><div class=\"t se_108\" id=\"t3u_108\" style=\"left:810px;bottom:83px;letter-spacing:0.43px;display:inline;\">1,113 </div><div class=\"t sf_108\" id=\"t3v_108\" style=\"left:916px;bottom:83px;letter-spacing:0.39px;display:inline;\">899 </div><div class=\"t sf_108\" id=\"t3w_108\" style=\"left:1015px;bottom:83px;letter-spacing:0.07px;display:inline;\">(51) </div><div class=\"t sf_108\" id=\"t3x_108\" style=\"left:1106px;bottom:83px;letter-spacing:0.53px;display:inline;\">848 </div><div></div><div class=\"t s1_109\" id=\"t1_109\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_109\" id=\"t2_109\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_109\" id=\"t3_109\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_109\" id=\"t4_109\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_109\" id=\"t5_109\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_109\" id=\"t6_109\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_109\" id=\"t7_109\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_109\" id=\"t8_109\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_109\" id=\"t9_109\" style=\"left:1094px;bottom:878px;letter-spacing:-0.39px;display:inline;\"> </div>\n<div class=\"t s8_109\" id=\"tc_109\" style=\"left:74px;bottom:765px;letter-spacing:0.21px;word-spacing:0.83px;display:inline;\">26 Company investment in subsidiary undertakings </div>\n<div class=\"t s9_109\" id=\"td_109\" style=\"left:433px;bottom:739px;letter-spacing:-0.01px;display:inline;\">Shares in subsidiary </div>\n<div class=\"t s9_109\" id=\"te_109\" style=\"left:452px;bottom:723px;letter-spacing:-0.01px;display:inline;\">undertakings </div>\n<div class=\"t s9_109\" id=\"tf_109\" style=\"left:453px;bottom:700px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_109\" id=\"tg_109\" style=\"left:449px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_109\" id=\"th_109\" style=\"left:550px;bottom:700px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_109\" id=\"ti_109\" style=\"left:544px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_109\" id=\"tj_109\" style=\"left:78px;bottom:662px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_109\" id=\"tk_109\" style=\"left:78px;bottom:640px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t sb_109\" id=\"tl_109\" style=\"left:447px;bottom:640px;letter-spacing:0.31px;display:inline;\">38,101 </div><div class=\"t sc_109\" id=\"tm_109\" style=\"left:544px;bottom:640px;letter-spacing:-0.04px;display:inline;\">37,943 </div>\n<div class=\"t sa_109\" id=\"tn_109\" style=\"left:78px;bottom:618px;letter-spacing:0.06px;word-spacing:-0.13px;display:inline;\">Acquired in the year </div><div class=\"t s4_109\" id=\"to_109\" style=\"left:476px;bottom:618px;display:inline;\">\u2013 </div><div class=\"t sd_109\" id=\"tp_109\" style=\"left:571px;bottom:618px;display:inline;\">\u2013 </div>\n<div class=\"t sa_109\" id=\"tq_109\" style=\"left:78px;bottom:596px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share-based expenses </div><div class=\"t sb_109\" id=\"tr_109\" style=\"left:463px;bottom:596px;letter-spacing:0.27px;display:inline;\">271 </div><div class=\"t sc_109\" id=\"ts_109\" style=\"left:558px;bottom:596px;letter-spacing:0.46px;display:inline;\">158 </div>\n<div class=\"t sa_109\" id=\"tt_109\" style=\"left:78px;bottom:574px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_109\" id=\"tu_109\" style=\"left:447px;bottom:574px;letter-spacing:0.3px;display:inline;\">38,372 </div><div class=\"t sc_109\" id=\"tv_109\" style=\"left:543px;bottom:574px;letter-spacing:0.2px;display:inline;\">38,101 </div>\n<div class=\"t sa_109\" id=\"tw_109\" style=\"left:78px;bottom:552px;letter-spacing:0.1px;word-spacing:-0.13px;display:inline;\">Amounts written off </div>\n<div class=\"t sa_109\" id=\"tx_109\" style=\"left:78px;bottom:529px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t sb_109\" id=\"ty_109\" style=\"left:447px;bottom:529px;letter-spacing:0.36px;display:inline;\">12,898 </div><div class=\"t sc_109\" id=\"tz_109\" style=\"left:542px;bottom:529px;letter-spacing:0.32px;display:inline;\">12,898 </div>\n<div class=\"t sa_109\" id=\"t10_109\" style=\"left:78px;bottom:507px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Impairment provision in year </div><div class=\"t s4_109\" id=\"t11_109\" style=\"left:476px;bottom:507px;display:inline;\">\u2013 </div><div class=\"t sd_109\" id=\"t12_109\" style=\"left:571px;bottom:507px;display:inline;\">\u2013 </div>\n<div class=\"t sa_109\" id=\"t13_109\" style=\"left:78px;bottom:485px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_109\" id=\"t14_109\" style=\"left:447px;bottom:485px;letter-spacing:0.36px;display:inline;\">12,898 </div><div class=\"t sc_109\" id=\"t15_109\" style=\"left:542px;bottom:485px;letter-spacing:0.32px;display:inline;\">12,898 </div>\n<div class=\"t s4_109\" id=\"t16_109\" style=\"left:78px;bottom:463px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Net book amount at 31 December </div><div class=\"t sb_109\" id=\"t17_109\" style=\"left:448px;bottom:463px;letter-spacing:0.13px;display:inline;\">25,474 </div><div class=\"t sc_109\" id=\"t18_109\" style=\"left:543px;bottom:463px;letter-spacing:0.22px;display:inline;\">25,203 </div>\n<div class=\"t se_109\" id=\"t19_109\" style=\"left:74px;bottom:424px;letter-spacing:-0.31px;word-spacing:-0.02px;display:inline;\">At 31 December 2022 the Company held 100% of the allotted share capital of the following </div>\n<div class=\"t se_109\" id=\"t1a_109\" style=\"left:74px;bottom:406px;letter-spacing:-0.3px;word-spacing:-0.08px;display:inline;\">trading companies, all of which were incorporated in England and Wales, with the exception </div>\n<div class=\"t se_109\" id=\"t1b_109\" style=\"left:74px;bottom:387px;letter-spacing:-0.3px;word-spacing:-0.02px;display:inline;\">of Personal Assurance (Guernsey) Limited which is incorporated in Guernsey, and have been </div>\n<div class=\"t se_109\" id=\"t1c_109\" style=\"left:74px;bottom:369px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">consolidated in the Group financial statements. The registered address of all Group entities </div>\n<div class=\"t se_109\" id=\"t1d_109\" style=\"left:74px;bottom:351px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">is John Ormond House, 899 Silbury Boulevard, Central Milton Keynes, MK9 3XL, with the </div>\n<div class=\"t se_109\" id=\"t1e_109\" style=\"left:74px;bottom:332px;letter-spacing:-0.18px;word-spacing:-0.01px;display:inline;\">exception of Personal Assurance (Guernsey) Limited whose registered address is Level 5, </div>\n<div class=\"t se_109\" id=\"t1f_109\" style=\"left:74px;bottom:314px;letter-spacing:-0.19px;word-spacing:0.05px;display:inline;\">Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 1EJ. </div>\n<div class=\"t s4_109\" id=\"t1g_109\" style=\"left:626px;bottom:762px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Subsidiary undertaking </div><div class=\"t s4_109\" id=\"t1h_109\" style=\"left:886px;bottom:762px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Nature of business </div>\n<div class=\"t sa_109\" id=\"t1i_109\" style=\"left:626px;bottom:740px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Personal Group Limited </div><div class=\"t sa_109\" id=\"t1j_109\" style=\"left:886px;bottom:740px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Intermediate holding Company </div>\n<div class=\"t sa_109\" id=\"t1k_109\" style=\"left:626px;bottom:718px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div>\n<div class=\"t sf_109\" id=\"t1l_109\" style=\"left:752px;bottom:724px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1m_109\" style=\"left:886px;bottom:718px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">General insurance </div>\n<div class=\"t sa_109\" id=\"t1n_109\" style=\"left:626px;bottom:696px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Personal Assurance Services Limited </div>\n<div class=\"t sf_109\" id=\"t1o_109\" style=\"left:825px;bottom:702px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t1p_109\" style=\"left:886px;bottom:696px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Administration services </div>\n<div class=\"t sa_109\" id=\"t1q_109\" style=\"left:626px;bottom:674px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div>\n<div class=\"t sf_109\" id=\"t1r_109\" style=\"left:803px;bottom:680px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t1s_109\" style=\"left:886px;bottom:674px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Employee benefits sales and marketing </div>\n<div class=\"t sa_109\" id=\"t1t_109\" style=\"left:626px;bottom:651px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Personal Group Trustees Limited </div>\n<div class=\"t sf_109\" id=\"t1u_109\" style=\"left:804px;bottom:658px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1v_109\" style=\"left:886px;bottom:651px;letter-spacing:0.06px;word-spacing:0.01px;display:inline;\">Trustee for employee share options </div>\n<div class=\"t sa_109\" id=\"t1w_109\" style=\"left:626px;bottom:629px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Personal Management Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t1x_109\" style=\"left:848px;bottom:636px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1y_109\" style=\"left:886px;bottom:629px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Employee benefits sales and marketing </div>\n<div class=\"t sa_109\" id=\"t1z_109\" style=\"left:626px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited </div>\n<div class=\"t sf_109\" id=\"t20_109\" style=\"left:799px;bottom:614px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t21_109\" style=\"left:886px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Holding Company </div>\n<div class=\"t sa_109\" id=\"t22_109\" style=\"left:626px;bottom:585px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Limited </div>\n<div class=\"t sf_109\" id=\"t23_109\" style=\"left:762px;bottom:591px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t24_109\" style=\"left:886px;bottom:585px;letter-spacing:0.09px;word-spacing:-0.06px;display:inline;\">Independent financial advisers </div>\n<div class=\"t sa_109\" id=\"t25_109\" style=\"left:626px;bottom:563px;letter-spacing:0.07px;word-spacing:-0.08px;display:inline;\">Personal Assurance (Guernsey) Limited </div>\n<div class=\"t sf_109\" id=\"t26_109\" style=\"left:838px;bottom:569px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t27_109\" style=\"left:886px;bottom:563px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Death insurance underwriting services </div>\n<div class=\"t sa_109\" id=\"t28_109\" style=\"left:626px;bottom:541px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Let\u2019s Connect IT Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t29_109\" style=\"left:813px;bottom:547px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t2a_109\" style=\"left:886px;bottom:541px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Employee benefits salary sacrifice </div>\n<div class=\"t sa_109\" id=\"t2b_109\" style=\"left:886px;bottom:523px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">technology products </div>\n<div class=\"t sa_109\" id=\"t2c_109\" style=\"left:626px;bottom:501px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Innecto People Consulting Limited </div>\n<div class=\"t sf_109\" id=\"t2d_109\" style=\"left:816px;bottom:507px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t2e_109\" style=\"left:886px;bottom:501px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">HR consultancy and technology providers </div>\n<div class=\"t sa_109\" id=\"t2f_109\" style=\"left:626px;bottom:479px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Quintige Consulting Group Limited </div>\n<div class=\"t sf_109\" id=\"t2g_109\" style=\"left:817px;bottom:485px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t2h_109\" style=\"left:886px;bottom:479px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">HR consultancy </div>\n<div class=\"t sa_109\" id=\"t2i_109\" style=\"left:626px;bottom:457px;letter-spacing:0.1px;display:inline;\">Multiplelisting Limited </div><div class=\"t sa_109\" id=\"t2j_109\" style=\"left:886px;bottom:457px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2k_109\" style=\"left:626px;bottom:434px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Mutual Benefit Limited </div><div class=\"t sa_109\" id=\"t2l_109\" style=\"left:886px;bottom:434px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2m_109\" style=\"left:626px;bottom:412px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Partake Services Limited </div><div class=\"t sa_109\" id=\"t2n_109\" style=\"left:886px;bottom:412px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2o_109\" style=\"left:626px;bottom:390px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Personal Assurance Financial Services Plc </div><div class=\"t sa_109\" id=\"t2p_109\" style=\"left:886px;bottom:390px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2q_109\" style=\"left:626px;bottom:368px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Healthcare Limited </div>\n<div class=\"t sf_109\" id=\"t2r_109\" style=\"left:826px;bottom:374px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2s_109\" style=\"left:886px;bottom:368px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2t_109\" style=\"left:626px;bottom:346px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">B M Agency Services Limited </div>\n<div class=\"t sf_109\" id=\"t2u_109\" style=\"left:781px;bottom:352px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2v_109\" style=\"left:886px;bottom:346px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2w_109\" style=\"left:626px;bottom:324px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Berkeley Morgan Property Limited </div>\n<div class=\"t sf_109\" id=\"t2x_109\" style=\"left:814px;bottom:330px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2y_109\" style=\"left:886px;bottom:324px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2z_109\" style=\"left:626px;bottom:302px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Summit Financial Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t30_109\" style=\"left:821px;bottom:308px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t31_109\" style=\"left:886px;bottom:302px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t32_109\" style=\"left:626px;bottom:279px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Summit Financial Holdings Plc </div>\n<div class=\"t sf_109\" id=\"t33_109\" style=\"left:793px;bottom:286px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t34_109\" style=\"left:886px;bottom:279px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t35_109\" style=\"left:626px;bottom:257px;letter-spacing:0.06px;word-spacing:-0.06px;display:inline;\">Berkeley Morgan Trustees Limited </div>\n<div class=\"t sf_109\" id=\"t36_109\" style=\"left:812px;bottom:264px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t37_109\" style=\"left:886px;bottom:257px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t38_109\" style=\"left:626px;bottom:235px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Mobile Limited </div>\n<div class=\"t sf_109\" id=\"t39_109\" style=\"left:794px;bottom:241px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t3a_109\" style=\"left:886px;bottom:235px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t3b_109\" style=\"left:626px;bottom:213px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Universal Provident Limited </div>\n<div class=\"t sf_109\" id=\"t3c_109\" style=\"left:779px;bottom:219px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t3d_109\" style=\"left:886px;bottom:213px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sg_109\" id=\"t3e_109\" style=\"left:621px;bottom:182px;display:inline;\">* </div><div class=\"t sg_109\" id=\"t3f_109\" style=\"left:634px;bottom:182px;letter-spacing:0.14px;word-spacing:-0.18px;display:inline;\">Indirectly owned by Personal Group Holdings Plc via Personal Group Limited </div>\n<div class=\"t sg_109\" id=\"t3g_109\" style=\"left:621px;bottom:165px;display:inline;\">+ </div><div class=\"t sg_109\" id=\"t3h_109\" style=\"left:634px;bottom:165px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">Indirectly owned by Personal Group Holdings Plc via Personal Group Limited and Berkeley Morgan Group </div>\n<div class=\"t sg_109\" id=\"t3i_109\" style=\"left:634px;bottom:153px;letter-spacing:0.18px;display:inline;\">Limited </div>\n<div class=\"t sg_109\" id=\"t3j_109\" style=\"left:621px;bottom:137px;display:inline;\"># </div><div class=\"t sg_109\" id=\"t3k_109\" style=\"left:634px;bottom:137px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">Exempt from audit under parental guarantee </div><div></div><div class=\"t s1_110\" id=\"t1_110\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_110\" id=\"t2_110\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t3_110\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t4_110\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t5_110\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_110\" id=\"t6_110\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_110\" id=\"t7_110\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_110\" id=\"t8_110\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_110\" id=\"t9_110\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n<div class=\"t sa_110\" id=\"te_110\" style=\"left:74px;bottom:743px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">The following subsidiaries of the Group are exempt from the requirements of the </div>\n<div class=\"t sa_110\" id=\"tf_110\" style=\"left:74px;bottom:725px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Companies Act 2006 (\u201cthe Act\u201d) relating to the audit of individual accounts by virtue of </div>\n<div class=\"t sa_110\" id=\"tg_110\" style=\"left:74px;bottom:707px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">s479A. The parent undertaking, Personal Group Holdings Plc, gives a guarantee to these </div>\n<div class=\"t sa_110\" id=\"th_110\" style=\"left:74px;bottom:688px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsidiaries under section 479C in respect of the year ending 31 December 2022. </div>\n<div class=\"t sb_110\" id=\"ti_110\" style=\"left:74px;bottom:657px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tj_110\" style=\"left:87px;bottom:657px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Personal Assurance Services Limited \u2013 3194988. </div>\n<div class=\"t sb_110\" id=\"tk_110\" style=\"left:74px;bottom:634px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tl_110\" style=\"left:87px;bottom:634px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">Personal Group Benefits Limited \u2013 3195037. </div>\n<div class=\"t sb_110\" id=\"tm_110\" style=\"left:74px;bottom:612px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tn_110\" style=\"left:87px;bottom:612px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited \u2013 3456258. </div>\n<div class=\"t sb_110\" id=\"to_110\" style=\"left:74px;bottom:589px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tp_110\" style=\"left:87px;bottom:589px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Quintige Consulting Group Limited \u2013 3773926. </div>\n<div class=\"t s8_110\" id=\"tq_110\" style=\"left:74px;bottom:555px;letter-spacing:0.22px;word-spacing:2.18px;display:inline;\">27 Capital commitments </div>\n<div class=\"t sa_110\" id=\"tr_110\" style=\"left:74px;bottom:534px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">The Group has no capital commitments at 31 December 2022 and 31 December 2021. </div>\n<div class=\"t s8_110\" id=\"ts_110\" style=\"left:74px;bottom:500px;letter-spacing:0.19px;word-spacing:2.19px;display:inline;\">28 Contingent liabilities </div>\n<div class=\"t sa_110\" id=\"tt_110\" style=\"left:74px;bottom:478px;letter-spacing:-0.03px;display:inline;\">There were no contingent liabilities at 31 December 2022 and 31 December 2021. </div>\n<div class=\"t s8_110\" id=\"tu_110\" style=\"left:74px;bottom:444px;letter-spacing:0.23px;word-spacing:4.43px;display:inline;\">29 Pensions </div>\n<div class=\"t sc_110\" id=\"tv_110\" style=\"left:74px;bottom:424px;letter-spacing:-0.01px;word-spacing:-0.12px;display:inline;\">Group and self-invested personal pension schemes </div>\n<div class=\"t sa_110\" id=\"tw_110\" style=\"left:74px;bottom:401px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The Group operates a defined contribution Group personal pension scheme for the </div>\n<div class=\"t sa_110\" id=\"tx_110\" style=\"left:74px;bottom:383px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">benefit of certain Directors and employees. The scheme is administered by Aegon UK </div>\n<div class=\"t sa_110\" id=\"ty_110\" style=\"left:74px;bottom:365px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">plc and the funds are held independent of the Group. In addition, the Group makes </div>\n<div class=\"t sa_110\" id=\"tz_110\" style=\"left:74px;bottom:346px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">contributions to certain Directors\u2019 self-invested personal pension schemes. </div>\n<div class=\"t sa_110\" id=\"t10_110\" style=\"left:74px;bottom:315px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These schemes are administered by independent third-party administrators and the </div>\n<div class=\"t sa_110\" id=\"t11_110\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">funds are held independent of the Group. </div>\n<div class=\"t s8_110\" id=\"t12_110\" style=\"left:621px;bottom:765px;letter-spacing:0.2px;word-spacing:0.69px;display:inline;\">30 Leasing commitments and rental income receivable </div>\n<div class=\"t sc_110\" id=\"t13_110\" style=\"left:621px;bottom:745px;word-spacing:-0.12px;display:inline;\">Amounts recognised in the balance sheet </div>\n<div class=\"t sa_110\" id=\"t14_110\" style=\"left:621px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Following the adoption of IFRS 16 the balance sheet at 31 December 2022 includes </div>\n<div class=\"t sa_110\" id=\"t15_110\" style=\"left:621px;bottom:704px;letter-spacing:-0.02px;display:inline;\">assets and liabilities relating to Right of Use (ROU) assets as detailed\u00a0below: </div>\n<div class=\"t sd_110\" id=\"t16_110\" style=\"left:621px;bottom:674px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">2022 \u2013 Right of use assets &amp; lease liabilities </div>\n<div class=\"t se_110\" id=\"t17_110\" style=\"left:978px;bottom:649px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Net Book </div>\n<div class=\"t se_110\" id=\"t18_110\" style=\"left:1000px;bottom:633px;letter-spacing:-0.11px;display:inline;\">Value </div>\n<div class=\"t se_110\" id=\"t19_110\" style=\"left:980px;bottom:617px;letter-spacing:-0.04px;word-spacing:-0.31px;display:inline;\">of Assets </div>\n<div class=\"t se_110\" id=\"t1a_110\" style=\"left:1002px;bottom:601px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t se_110\" id=\"t1b_110\" style=\"left:1093px;bottom:633px;letter-spacing:-0.01px;display:inline;\">Lease </div>\n<div class=\"t se_110\" id=\"t1c_110\" style=\"left:1077px;bottom:617px;letter-spacing:-0.01px;display:inline;\">Liability </div>\n<div class=\"t se_110\" id=\"t1d_110\" style=\"left:1095px;bottom:601px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t sf_110\" id=\"t1e_110\" style=\"left:626px;bottom:579px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t s4_110\" id=\"t1f_110\" style=\"left:1013px;bottom:579px;letter-spacing:0.44px;display:inline;\">114 </div><div class=\"t sg_110\" id=\"t1g_110\" style=\"left:1109px;bottom:579px;letter-spacing:0.35px;display:inline;\">111 </div>\n<div class=\"t sf_110\" id=\"t1h_110\" style=\"left:626px;bottom:557px;letter-spacing:0.1px;display:inline;\">Buildings </div><div class=\"t sh_110\" id=\"t1i_110\" style=\"left:1013px;bottom:557px;letter-spacing:0.32px;display:inline;\">152 </div><div class=\"t sg_110\" id=\"t1j_110\" style=\"left:1109px;bottom:557px;letter-spacing:0.16px;display:inline;\">167 </div>\n<div class=\"t s4_110\" id=\"t1k_110\" style=\"left:626px;bottom:535px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_110\" id=\"t1l_110\" style=\"left:1013px;bottom:535px;letter-spacing:0.33px;display:inline;\">266 </div><div class=\"t sg_110\" id=\"t1m_110\" style=\"left:1109px;bottom:535px;letter-spacing:0.12px;display:inline;\">278 </div>\n<div class=\"t sd_110\" id=\"t1n_110\" style=\"left:621px;bottom:497px;letter-spacing:-0.01px;word-spacing:-0.09px;display:inline;\">2021 \u2013 Right of use assets &amp; lease liabilities </div>\n<div class=\"t se_110\" id=\"t1o_110\" style=\"left:978px;bottom:473px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Net Book </div>\n<div class=\"t se_110\" id=\"t1p_110\" style=\"left:1000px;bottom:457px;letter-spacing:-0.11px;display:inline;\">Value </div>\n<div class=\"t se_110\" id=\"t1q_110\" style=\"left:980px;bottom:440px;letter-spacing:-0.04px;word-spacing:-0.31px;display:inline;\">of Assets </div>\n<div class=\"t se_110\" id=\"t1r_110\" style=\"left:1002px;bottom:424px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t se_110\" id=\"t1s_110\" style=\"left:1093px;bottom:457px;letter-spacing:-0.01px;display:inline;\">Lease </div>\n<div class=\"t se_110\" id=\"t1t_110\" style=\"left:1077px;bottom:440px;letter-spacing:-0.01px;display:inline;\">Liability </div>\n<div class=\"t se_110\" id=\"t1u_110\" style=\"left:1095px;bottom:424px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t sf_110\" id=\"t1v_110\" style=\"left:626px;bottom:403px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sh_110\" id=\"t1w_110\" style=\"left:1014px;bottom:403px;letter-spacing:0.22px;display:inline;\">177 </div><div class=\"t sg_110\" id=\"t1x_110\" style=\"left:1109px;bottom:403px;letter-spacing:0.34px;display:inline;\">222 </div>\n<div class=\"t sf_110\" id=\"t1y_110\" style=\"left:626px;bottom:380px;letter-spacing:0.1px;display:inline;\">Buildings </div><div class=\"t sh_110\" id=\"t1z_110\" style=\"left:1013px;bottom:380px;letter-spacing:0.38px;display:inline;\">242 </div><div class=\"t sg_110\" id=\"t20_110\" style=\"left:1109px;bottom:380px;letter-spacing:0.24px;display:inline;\">252 </div>\n<div class=\"t s4_110\" id=\"t21_110\" style=\"left:626px;bottom:358px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_110\" id=\"t22_110\" style=\"left:1013px;bottom:358px;letter-spacing:0.31px;display:inline;\">419 </div><div class=\"t sg_110\" id=\"t23_110\" style=\"left:1110px;bottom:358px;letter-spacing:-0.24px;display:inline;\">474 </div>\n<div class=\"t sa_110\" id=\"t24_110\" style=\"left:621px;bottom:319px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">The initial valuation of the asset is equal to the discounted lease liability on the inception </div>\n<div class=\"t sa_110\" id=\"t25_110\" style=\"left:621px;bottom:301px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">of the lease and this is depreciated over the shorter of either the life of the asset or the </div>\n<div class=\"t sa_110\" id=\"t26_110\" style=\"left:621px;bottom:282px;letter-spacing:-0.01px;word-spacing:-0.23px;display:inline;\">lease term. </div>\n<div class=\"t sc_110\" id=\"t27_110\" style=\"left:621px;bottom:252px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Amounts recognised in the consolidated statement of profit or loss </div>\n<div class=\"t se_110\" id=\"t28_110\" style=\"left:956px;bottom:226px;letter-spacing:-0.02px;display:inline;\">Depreciation </div>\n<div class=\"t se_110\" id=\"t29_110\" style=\"left:991px;bottom:210px;letter-spacing:-0.02px;display:inline;\">Charge </div>\n<div class=\"t se_110\" id=\"t2a_110\" style=\"left:1002px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t se_110\" id=\"t2b_110\" style=\"left:1078px;bottom:226px;letter-spacing:-0.01px;display:inline;\">Interest </div>\n<div class=\"t se_110\" id=\"t2c_110\" style=\"left:1077px;bottom:210px;letter-spacing:-0.01px;display:inline;\">Expense </div>\n<div class=\"t se_110\" id=\"t2d_110\" style=\"left:1095px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t sf_110\" id=\"t2e_110\" style=\"left:626px;bottom:172px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sh_110\" id=\"t2f_110\" style=\"left:1013px;bottom:172px;letter-spacing:0.32px;display:inline;\">396 </div><div class=\"t sg_110\" id=\"t2g_110\" style=\"left:1115px;bottom:172px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sf_110\" id=\"t2h_110\" style=\"left:626px;bottom:150px;letter-spacing:0.1px;display:inline;\">Buildings </div><div class=\"t sh_110\" id=\"t2i_110\" style=\"left:1020px;bottom:150px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sg_110\" id=\"t2j_110\" style=\"left:1122px;bottom:150px;display:inline;\">3 </div>\n<div class=\"t s4_110\" id=\"t2k_110\" style=\"left:626px;bottom:127px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_110\" id=\"t2l_110\" style=\"left:1014px;bottom:127px;letter-spacing:0.05px;display:inline;\">475 </div><div class=\"t sg_110\" id=\"t2m_110\" style=\"left:1115px;bottom:127px;letter-spacing:0.49px;display:inline;\">15 </div>\n<div class=\"t sa_110\" id=\"t2n_110\" style=\"left:621px;bottom:88px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Total operating lease payments due until the end of the lease, or the first break clause, </div>\n<div class=\"t sa_110\" id=\"t2o_110\" style=\"left:621px;bottom:70px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">total \u00a3295,000 (2021: \u00a3388,000). </div><div></div><div class=\"t s1_111\" id=\"t1_111\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s1_111\" id=\"t2_111\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div>\n<div class=\"t s2_111\" id=\"t3_111\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s3_111\" id=\"t4_111\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s4_111\" id=\"t5_111\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s4_111\" id=\"t6_111\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s4_111\" id=\"t7_111\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s4_111\" id=\"t8_111\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div><div class=\"t s5_111\" id=\"t9_111\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n<div class=\"t sa_111\" id=\"te_111\" style=\"left:74px;bottom:743px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">An analysis of these payments due is as follows: </div>\n<div class=\"t sb_111\" id=\"tf_111\" style=\"left:455px;bottom:708px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"tg_111\" style=\"left:451px;bottom:692px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"th_111\" style=\"left:554px;bottom:708px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_111\" id=\"ti_111\" style=\"left:548px;bottom:692px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"tj_111\" style=\"left:78px;bottom:670px;letter-spacing:0.05px;word-spacing:0.01px;display:inline;\">Total lease payments falling due: </div>\n<div class=\"t sc_111\" id=\"tk_111\" style=\"left:78px;bottom:648px;letter-spacing:0.09px;word-spacing:-0.14px;display:inline;\">Within one year </div><div class=\"t sd_111\" id=\"tl_111\" style=\"left:466px;bottom:648px;letter-spacing:0.25px;display:inline;\">167 </div><div class=\"t se_111\" id=\"tm_111\" style=\"left:561px;bottom:648px;letter-spacing:0.2px;display:inline;\">193 </div>\n<div class=\"t sc_111\" id=\"tn_111\" style=\"left:78px;bottom:626px;letter-spacing:0.08px;word-spacing:-0.16px;display:inline;\">Within one to two years </div><div class=\"t s1_111\" id=\"to_111\" style=\"left:472px;bottom:626px;letter-spacing:0.4px;display:inline;\">66 </div><div class=\"t se_111\" id=\"tp_111\" style=\"left:568px;bottom:626px;letter-spacing:0.19px;display:inline;\">79 </div>\n<div class=\"t sc_111\" id=\"tq_111\" style=\"left:78px;bottom:603px;letter-spacing:0.07px;word-spacing:-0.18px;display:inline;\">Within two to five years </div><div class=\"t sd_111\" id=\"tr_111\" style=\"left:472px;bottom:603px;letter-spacing:0.22px;display:inline;\">62 </div><div class=\"t se_111\" id=\"ts_111\" style=\"left:561px;bottom:603px;letter-spacing:0.22px;display:inline;\">116 </div>\n<div class=\"t s1_111\" id=\"tt_111\" style=\"left:78px;bottom:581px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sd_111\" id=\"tu_111\" style=\"left:466px;bottom:581px;letter-spacing:0.28px;display:inline;\">295 </div><div class=\"t sf_111\" id=\"tv_111\" style=\"left:561px;bottom:581px;letter-spacing:0.44px;display:inline;\">388 </div>\n<div class=\"t sa_111\" id=\"tw_111\" style=\"left:74px;bottom:542px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">Total operating rent receivable payments due until the end of the lease or the first break </div>\n<div class=\"t sg_111\" id=\"tx_111\" style=\"left:76px;bottom:524px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">clause, total \u00a3nil (2021: \u00a313,000). An analysis of these receivable payments due is </div>\n<div class=\"t sa_111\" id=\"ty_111\" style=\"left:74px;bottom:505px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">as\u00a0follows: </div>\n<div class=\"t sb_111\" id=\"tz_111\" style=\"left:455px;bottom:470px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"t10_111\" style=\"left:451px;bottom:454px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t11_111\" style=\"left:554px;bottom:470px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_111\" id=\"t12_111\" style=\"left:548px;bottom:454px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"t13_111\" style=\"left:78px;bottom:432px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Future minimum lease payments: </div>\n<div class=\"t sc_111\" id=\"t14_111\" style=\"left:78px;bottom:410px;letter-spacing:0.09px;word-spacing:-0.14px;display:inline;\">Within one year </div><div class=\"t s1_111\" id=\"t15_111\" style=\"left:478px;bottom:410px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t16_111\" style=\"left:567px;bottom:410px;letter-spacing:0.44px;display:inline;\">13 </div>\n<div class=\"t sc_111\" id=\"t17_111\" style=\"left:78px;bottom:388px;letter-spacing:0.08px;word-spacing:-0.16px;display:inline;\">Within one to two years </div><div class=\"t s1_111\" id=\"t18_111\" style=\"left:478px;bottom:388px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t19_111\" style=\"left:574px;bottom:388px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t1a_111\" style=\"left:78px;bottom:365px;letter-spacing:0.07px;word-spacing:-0.18px;display:inline;\">Within two to five years </div><div class=\"t s1_111\" id=\"t1b_111\" style=\"left:478px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t1c_111\" style=\"left:574px;bottom:365px;display:inline;\">\u2013 </div>\n<div class=\"t s1_111\" id=\"t1d_111\" style=\"left:78px;bottom:343px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t s1_111\" id=\"t1e_111\" style=\"left:478px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t1f_111\" style=\"left:567px;bottom:343px;letter-spacing:0.44px;display:inline;\">13 </div>\n<div class=\"t sa_111\" id=\"t1g_111\" style=\"left:74px;bottom:304px;letter-spacing:-0.02px;word-spacing:-0.01px;display:inline;\">Below is a reconciliation of changes in liabilities arising from financing activities: </div>\n<div class=\"t sb_111\" id=\"t1h_111\" style=\"left:242px;bottom:268px;letter-spacing:-0.01px;word-spacing:-0.29px;display:inline;\">1 January </div>\n<div class=\"t sb_111\" id=\"t1i_111\" style=\"left:269px;bottom:252px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"t1j_111\" style=\"left:264px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1k_111\" style=\"left:336px;bottom:268px;letter-spacing:-0.01px;display:inline;\">Cash </div>\n<div class=\"t sb_111\" id=\"t1l_111\" style=\"left:328px;bottom:252px;letter-spacing:-0.05px;display:inline;\">Flows </div>\n<div class=\"t sb_111\" id=\"t1m_111\" style=\"left:329px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1n_111\" style=\"left:402px;bottom:268px;letter-spacing:-0.07px;display:inline;\">New </div>\n<div class=\"t sb_111\" id=\"t1o_111\" style=\"left:393px;bottom:252px;letter-spacing:-0.01px;display:inline;\">leases </div>\n<div class=\"t sb_111\" id=\"t1p_111\" style=\"left:394px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1q_111\" style=\"left:457px;bottom:252px;letter-spacing:-0.01px;display:inline;\">Other </div>\n<div class=\"t sb_111\" id=\"t1r_111\" style=\"left:457px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1s_111\" style=\"left:503px;bottom:268px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">31 December </div>\n<div class=\"t sb_111\" id=\"t1t_111\" style=\"left:548px;bottom:252px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"t1u_111\" style=\"left:544px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"t1v_111\" style=\"left:78px;bottom:214px;letter-spacing:0.08px;word-spacing:0.01px;display:inline;\">Current lease liabilities </div><div class=\"t s1_111\" id=\"t1w_111\" style=\"left:278px;bottom:214px;letter-spacing:0.12px;display:inline;\">222 </div><div class=\"t sd_111\" id=\"t1x_111\" style=\"left:341px;bottom:214px;letter-spacing:0.17px;display:inline;\">(429) </div><div class=\"t sd_111\" id=\"t1y_111\" style=\"left:409px;bottom:214px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t sd_111\" id=\"t1z_111\" style=\"left:481px;bottom:214px;letter-spacing:0.26px;display:inline;\">26 </div><div class=\"t sd_111\" id=\"t20_111\" style=\"left:559px;bottom:214px;letter-spacing:0.38px;display:inline;\">190 </div>\n<div class=\"t sc_111\" id=\"t21_111\" style=\"left:78px;bottom:192px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Non-current lease liabilities </div><div class=\"t s1_111\" id=\"t22_111\" style=\"left:279px;bottom:192px;letter-spacing:0.12px;display:inline;\">252 </div><div class=\"t s1_111\" id=\"t23_111\" style=\"left:357px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t s1_111\" id=\"t24_111\" style=\"left:422px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t25_111\" style=\"left:471px;bottom:192px;letter-spacing:0.19px;display:inline;\">(122) </div><div class=\"t sd_111\" id=\"t26_111\" style=\"left:559px;bottom:192px;letter-spacing:0.38px;display:inline;\">130 </div>\n<div class=\"t s1_111\" id=\"t27_111\" style=\"left:78px;bottom:170px;letter-spacing:0.04px;word-spacing:-0.01px;display:inline;\">Total liabilities from </div>\n<div class=\"t s1_111\" id=\"t28_111\" style=\"left:78px;bottom:153px;letter-spacing:0.1px;display:inline;\">financing activities </div><div class=\"t s1_111\" id=\"t29_111\" style=\"left:278px;bottom:153px;letter-spacing:-0.04px;display:inline;\">474 </div><div class=\"t sd_111\" id=\"t2a_111\" style=\"left:341px;bottom:153px;letter-spacing:0.17px;display:inline;\">(429) </div><div class=\"t sd_111\" id=\"t2b_111\" style=\"left:409px;bottom:153px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t s1_111\" id=\"t2c_111\" style=\"left:477px;bottom:153px;letter-spacing:0.23px;display:inline;\">(96) </div><div class=\"t sd_111\" id=\"t2d_111\" style=\"left:559px;bottom:153px;letter-spacing:0.26px;display:inline;\">320 </div>\n<div class=\"t sa_111\" id=\"t2e_111\" style=\"left:74px;bottom:113px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The \u201cOther\u201d column includes the effect of reclassification of non-current leases to </div>\n<div class=\"t sa_111\" id=\"t2f_111\" style=\"left:74px;bottom:95px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">current due to the passage of time, the effect of the disposal of lease assets with their </div>\n<div class=\"t sa_111\" id=\"t2g_111\" style=\"left:74px;bottom:77px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">related creditors and the effect of the unwinding of the discounted ROU creditors </div>\n<div class=\"t sa_111\" id=\"t2h_111\" style=\"left:74px;bottom:58px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">over\u00a0time. </div>\n<div class=\"t s8_111\" id=\"t2i_111\" style=\"left:621px;bottom:765px;letter-spacing:0.25px;word-spacing:1.39px;display:inline;\">31 Related party transactions </div>\n<div class=\"t sa_111\" id=\"t2j_111\" style=\"left:621px;bottom:743px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Personal Group Holdings Plc holds a bank account which it uses for payments to </div>\n<div class=\"t sa_111\" id=\"t2k_111\" style=\"left:621px;bottom:725px;letter-spacing:-0.16px;display:inline;\">Company specific creditors. During 2022 and 2021 the Company paid its own dividends </div>\n<div class=\"t sa_111\" id=\"t2l_111\" style=\"left:621px;bottom:705px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">and expenses. </div>\n<div class=\"t sa_111\" id=\"t2m_111\" style=\"left:621px;bottom:674px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">A list of intercompany balances that are outstanding at the balance sheet date with </div>\n<div class=\"t sa_111\" id=\"t2n_111\" style=\"left:621px;bottom:656px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsidiary undertakings is as follows: </div>\n<div class=\"t sb_111\" id=\"t2o_111\" style=\"left:912px;bottom:620px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sb_111\" id=\"t2p_111\" style=\"left:1051px;bottom:620px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_111\" id=\"t2q_111\" style=\"left:863px;bottom:597px;letter-spacing:-0.05px;display:inline;\">Receivable </div>\n<div class=\"t sb_111\" id=\"t2r_111\" style=\"left:892px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t2s_111\" style=\"left:941px;bottom:597px;letter-spacing:-0.07px;display:inline;\">Payable </div>\n<div class=\"t sb_111\" id=\"t2t_111\" style=\"left:953px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t2u_111\" style=\"left:1001px;bottom:597px;letter-spacing:-0.05px;display:inline;\">Receivable </div>\n<div class=\"t sb_111\" id=\"t2v_111\" style=\"left:1031px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t2w_111\" style=\"left:1079px;bottom:597px;letter-spacing:-0.07px;display:inline;\">Payable </div>\n<div class=\"t sb_111\" id=\"t2x_111\" style=\"left:1092px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"t2y_111\" style=\"left:626px;bottom:559px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div><div class=\"t s1_111\" id=\"t2z_111\" style=\"left:920px;bottom:559px;display:inline;\">\u2013 </div><div class=\"t s1_111\" id=\"t30_111\" style=\"left:981px;bottom:559px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t31_111\" style=\"left:1053px;bottom:559px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t sf_111\" id=\"t32_111\" style=\"left:1119px;bottom:559px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t33_111\" style=\"left:626px;bottom:537px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Personal Assurance Services Limited </div><div class=\"t sd_111\" id=\"t34_111\" style=\"left:914px;bottom:537px;letter-spacing:0.34px;display:inline;\">11 </div><div class=\"t s1_111\" id=\"t35_111\" style=\"left:981px;bottom:537px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t36_111\" style=\"left:1059px;bottom:537px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t37_111\" style=\"left:1120px;bottom:537px;display:inline;\">5 </div>\n<div class=\"t sc_111\" id=\"t38_111\" style=\"left:626px;bottom:515px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div><div class=\"t s1_111\" id=\"t39_111\" style=\"left:920px;bottom:515px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3a_111\" style=\"left:981px;bottom:515px;display:inline;\">1 </div><div class=\"t sf_111\" id=\"t3b_111\" style=\"left:1059px;bottom:515px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t3c_111\" style=\"left:1119px;bottom:515px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t3d_111\" style=\"left:626px;bottom:493px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Personal Assurance Financial Services Plc </div><div class=\"t s1_111\" id=\"t3e_111\" style=\"left:920px;bottom:493px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3f_111\" style=\"left:968px;bottom:493px;letter-spacing:0.3px;display:inline;\">137 </div><div class=\"t sf_111\" id=\"t3g_111\" style=\"left:1059px;bottom:493px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t3h_111\" style=\"left:1107px;bottom:493px;letter-spacing:0.24px;display:inline;\">137 </div>\n<div class=\"t sc_111\" id=\"t3i_111\" style=\"left:626px;bottom:471px;letter-spacing:0.1px;display:inline;\">Multiplelisting Limited </div><div class=\"t s1_111\" id=\"t3j_111\" style=\"left:920px;bottom:471px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3k_111\" style=\"left:968px;bottom:471px;letter-spacing:0.4px;display:inline;\">100 </div><div class=\"t sf_111\" id=\"t3l_111\" style=\"left:1059px;bottom:471px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t3m_111\" style=\"left:1106px;bottom:471px;letter-spacing:0.33px;display:inline;\">100 </div>\n<div class=\"t sc_111\" id=\"t3n_111\" style=\"left:626px;bottom:448px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Personal Management Solutions Limited </div><div class=\"t sd_111\" id=\"t3o_111\" style=\"left:920px;bottom:448px;display:inline;\">7 </div><div class=\"t s1_111\" id=\"t3p_111\" style=\"left:981px;bottom:448px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t3q_111\" style=\"left:1059px;bottom:448px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t3r_111\" style=\"left:1119px;bottom:448px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t3s_111\" style=\"left:626px;bottom:426px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Mutual Benefit Limited </div><div class=\"t s1_111\" id=\"t3t_111\" style=\"left:920px;bottom:426px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3u_111\" style=\"left:974px;bottom:426px;letter-spacing:0.35px;display:inline;\">12 </div><div class=\"t sf_111\" id=\"t3v_111\" style=\"left:1059px;bottom:426px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t3w_111\" style=\"left:1113px;bottom:426px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sc_111\" id=\"t3x_111\" style=\"left:626px;bottom:404px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Partake Services Limited </div><div class=\"t sd_111\" id=\"t3y_111\" style=\"left:920px;bottom:404px;display:inline;\">3 </div><div class=\"t s1_111\" id=\"t3z_111\" style=\"left:981px;bottom:404px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t40_111\" style=\"left:1059px;bottom:404px;display:inline;\">3 </div><div class=\"t sf_111\" id=\"t41_111\" style=\"left:1119px;bottom:404px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t42_111\" style=\"left:626px;bottom:382px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Personal Group Limited </div><div class=\"t s1_111\" id=\"t43_111\" style=\"left:920px;bottom:382px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t44_111\" style=\"left:968px;bottom:382px;letter-spacing:0.18px;display:inline;\">178 </div><div class=\"t sf_111\" id=\"t45_111\" style=\"left:1059px;bottom:382px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t46_111\" style=\"left:1119px;bottom:382px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t47_111\" style=\"left:626px;bottom:360px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited </div><div class=\"t sd_111\" id=\"t48_111\" style=\"left:920px;bottom:360px;display:inline;\">4 </div><div class=\"t s1_111\" id=\"t49_111\" style=\"left:981px;bottom:360px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t4a_111\" style=\"left:1059px;bottom:360px;display:inline;\">4 </div><div class=\"t sf_111\" id=\"t4b_111\" style=\"left:1119px;bottom:360px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t4c_111\" style=\"left:626px;bottom:338px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Innecto People Group Consulting Limited </div><div class=\"t sd_111\" id=\"t4d_111\" style=\"left:914px;bottom:338px;letter-spacing:0.26px;display:inline;\">16 </div><div class=\"t s1_111\" id=\"t4e_111\" style=\"left:981px;bottom:338px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t4f_111\" style=\"left:1059px;bottom:338px;display:inline;\">4 </div><div class=\"t sf_111\" id=\"t4g_111\" style=\"left:1119px;bottom:338px;display:inline;\">\u2013 </div>\n<div class=\"t s1_111\" id=\"t4h_111\" style=\"left:626px;bottom:316px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sd_111\" id=\"t4i_111\" style=\"left:914px;bottom:316px;letter-spacing:0.29px;display:inline;\">41 </div><div class=\"t sd_111\" id=\"t4j_111\" style=\"left:968px;bottom:316px;letter-spacing:0.33px;display:inline;\">428 </div><div class=\"t se_111\" id=\"t4k_111\" style=\"left:1053px;bottom:316px;letter-spacing:0.29px;display:inline;\">21 </div><div class=\"t se_111\" id=\"t4l_111\" style=\"left:1106px;bottom:316px;letter-spacing:0.47px;display:inline;\">254 </div>\n<div class=\"t sa_111\" id=\"t4m_111\" style=\"left:621px;bottom:276px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">All balances are repayable on demand. None of the balances are secured. All balances </div>\n<div class=\"t sa_111\" id=\"t4n_111\" style=\"left:621px;bottom:258px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">relate to intercompany funding balances. </div>\n<div class=\"t sh_111\" id=\"t4o_111\" style=\"left:621px;bottom:228px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">Transactions with Directors </div>\n<div class=\"t sa_111\" id=\"t4p_111\" style=\"left:621px;bottom:206px;letter-spacing:-0.04px;word-spacing:-0.11px;display:inline;\">During the year, no transactions were undertaken with Directors, or companies in which </div>\n<div class=\"t sa_111\" id=\"t4q_111\" style=\"left:621px;bottom:187px;letter-spacing:-0.06px;word-spacing:-0.02px;display:inline;\">Directors were key decision makers. </div><div></div><div class=\"t s1_112\" id=\"t1_112\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_112\" id=\"t2_112\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_112\" id=\"t3_112\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_112\" id=\"t4_112\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_112\" id=\"t5_112\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_112\" id=\"t6_112\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_112\" id=\"t7_112\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_112\" id=\"t8_112\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_112\" id=\"t9_112\" style=\"left:1095px;bottom:878px;letter-spacing:-0.24px;display:inline;\"> </div>\n<div class=\"t s6_112\" id=\"ta_112\" style=\"left:74px;bottom:794px;letter-spacing:0.15px;word-spacing:-0.16px;display:inline;\"> </div><div class=\"t s7_112\" id=\"tb_112\" style=\"left:451px;bottom:794px;letter-spacing:0.23px;display:inline;\"> </div>\n<div class=\"t s8_112\" id=\"tc_112\" style=\"left:74px;bottom:765px;letter-spacing:0.18px;word-spacing:0.71px;display:inline;\">32 Acquisition of Quintige Consulting Group Limited </div>\n<div class=\"t s9_112\" id=\"td_112\" style=\"left:74px;bottom:745px;word-spacing:-0.13px;display:inline;\">Summary of acquisition </div>\n<div class=\"t sa_112\" id=\"te_112\" style=\"left:74px;bottom:722px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">On 1 July 2022, the Group acquired 100% of the issued share capital of Quintige Consulting </div>\n<div class=\"t sa_112\" id=\"tf_112\" style=\"left:74px;bottom:704px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Group Limited (QCG), a provider of HR Consultancy and HR Survey Platforms. The acquisition </div>\n<div class=\"t sa_112\" id=\"tg_112\" style=\"left:74px;bottom:686px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">has enhanced the Group\u2019s offering in the employee benefits market. </div>\n<div class=\"t sa_112\" id=\"th_112\" style=\"left:74px;bottom:654px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Details of the purchase consideration, the net assets acquired and goodwill are as follows; </div>\n<div class=\"t sb_112\" id=\"ti_112\" style=\"left:548px;bottom:619px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_112\" id=\"tj_112\" style=\"left:544px;bottom:603px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_112\" id=\"tk_112\" style=\"left:78px;bottom:581px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Purchase Consideration: </div>\n<div class=\"t sc_112\" id=\"tl_112\" style=\"left:78px;bottom:559px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Cash Paid </div><div class=\"t s4_112\" id=\"tm_112\" style=\"left:561px;bottom:559px;letter-spacing:0.4px;display:inline;\">966 </div>\n<div class=\"t s4_112\" id=\"tn_112\" style=\"left:78px;bottom:536px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t s4_112\" id=\"to_112\" style=\"left:561px;bottom:536px;letter-spacing:0.4px;display:inline;\">966 </div>\n<div class=\"t sa_112\" id=\"tp_112\" style=\"left:74px;bottom:497px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The assets and liabilities recognised as a result of the acquisition are as follows: </div>\n<div class=\"t sb_112\" id=\"tq_112\" style=\"left:520px;bottom:457px;letter-spacing:-0.11px;word-spacing:-0.25px;display:inline;\">Fair Value </div>\n<div class=\"t sb_112\" id=\"tr_112\" style=\"left:544px;bottom:441px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_112\" id=\"ts_112\" style=\"left:78px;bottom:419px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Intangible assets \u2013 Customer relationships </div><div class=\"t sd_112\" id=\"tt_112\" style=\"left:560px;bottom:419px;letter-spacing:0.32px;display:inline;\">281 </div>\n<div class=\"t sc_112\" id=\"tu_112\" style=\"left:78px;bottom:397px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\">Intangible assets \u2013 Trade Name </div><div class=\"t s4_112\" id=\"tv_112\" style=\"left:566px;bottom:397px;letter-spacing:0.31px;display:inline;\">56 </div>\n<div class=\"t sc_112\" id=\"tw_112\" style=\"left:78px;bottom:375px;letter-spacing:0.06px;word-spacing:-0.03px;display:inline;\">Tangible fixed assets </div><div class=\"t s4_112\" id=\"tx_112\" style=\"left:573px;bottom:375px;display:inline;\">5 </div>\n<div class=\"t sc_112\" id=\"ty_112\" style=\"left:78px;bottom:353px;letter-spacing:0.12px;display:inline;\">Cash </div><div class=\"t s4_112\" id=\"tz_112\" style=\"left:559px;bottom:353px;letter-spacing:0.45px;display:inline;\">154 </div>\n<div class=\"t sc_112\" id=\"t10_112\" style=\"left:78px;bottom:331px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade debtors </div><div class=\"t sd_112\" id=\"t11_112\" style=\"left:560px;bottom:331px;letter-spacing:0.4px;display:inline;\">143 </div>\n<div class=\"t sc_112\" id=\"t12_112\" style=\"left:78px;bottom:309px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Other debtors </div><div class=\"t sd_112\" id=\"t13_112\" style=\"left:566px;bottom:309px;letter-spacing:0.14px;display:inline;\">33 </div>\n<div class=\"t sc_112\" id=\"t14_112\" style=\"left:78px;bottom:286px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Trade creditors </div><div class=\"t s4_112\" id=\"t15_112\" style=\"left:563px;bottom:286px;letter-spacing:0.22px;display:inline;\">(14) </div>\n<div class=\"t sc_112\" id=\"t16_112\" style=\"left:78px;bottom:264px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Other creditors </div><div class=\"t s4_112\" id=\"t17_112\" style=\"left:557px;bottom:264px;display:inline;\">(174) </div>\n<div class=\"t sc_112\" id=\"t18_112\" style=\"left:78px;bottom:242px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Deferred tax liability recognised on acquisition </div><div class=\"t s4_112\" id=\"t19_112\" style=\"left:563px;bottom:242px;letter-spacing:0.15px;display:inline;\">(81) </div>\n<div class=\"t sc_112\" id=\"t1a_112\" style=\"left:78px;bottom:220px;letter-spacing:0.08px;word-spacing:0.01px;display:inline;\">Net identifiable assets acquired </div><div class=\"t sd_112\" id=\"t1b_112\" style=\"left:560px;bottom:220px;letter-spacing:0.32px;display:inline;\">403 </div>\n<div class=\"t s4_112\" id=\"t1c_112\" style=\"left:78px;bottom:198px;letter-spacing:0.12px;display:inline;\">Goodwill </div><div class=\"t sd_112\" id=\"t1d_112\" style=\"left:560px;bottom:198px;letter-spacing:0.29px;display:inline;\">563 </div>\n<div class=\"t s4_112\" id=\"t1e_112\" style=\"left:78px;bottom:176px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Net assets acquired </div><div class=\"t s4_112\" id=\"t1f_112\" style=\"left:560px;bottom:176px;letter-spacing:0.4px;display:inline;\">966 </div>\n<div class=\"t sa_112\" id=\"t1g_112\" style=\"left:74px;bottom:136px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">The goodwill is attributable to the workforce, the high profitability of the acquired </div>\n<div class=\"t sa_112\" id=\"t1h_112\" style=\"left:74px;bottom:118px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">business and the future synergies expected within the wider Group. It\u00a0will not be </div>\n<div class=\"t sa_112\" id=\"t1i_112\" style=\"left:74px;bottom:100px;letter-spacing:-0.02px;word-spacing:-0.12px;display:inline;\">deductible for tax purposes. </div>\n<div class=\"t s9_112\" id=\"t1j_112\" style=\"left:622px;bottom:767px;word-spacing:-0.12px;display:inline;\">Intangible Asset Recognition </div>\n<div class=\"t sa_112\" id=\"t1k_112\" style=\"left:622px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">In assessing the value of separably identifiable intangibles acquired on acquisition, </div>\n<div class=\"t sa_112\" id=\"t1l_112\" style=\"left:622px;bottom:726px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">Personal Group performed the valuation using forecast information available at the time </div>\n<div class=\"t sa_112\" id=\"t1m_112\" style=\"left:622px;bottom:708px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">of the acquisition. Assets were recognised only when separately identifiable and where </div>\n<div class=\"t sa_112\" id=\"t1n_112\" style=\"left:622px;bottom:690px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">a reasonable valuation and proportion of the purchase price could be allocated to\u00a0them. </div>\n<div class=\"t sa_112\" id=\"t1o_112\" style=\"left:622px;bottom:658px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">The values of the intangible assets were calculated using several valuation methods </div>\n<div class=\"t sa_112\" id=\"t1p_112\" style=\"left:622px;bottom:640px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">including the multi-period excess earnings method and the relief from royalty method. </div>\n<div class=\"t sa_112\" id=\"t1q_112\" style=\"left:622px;bottom:622px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Both required use of the acquisition forecasts and appropriate discount rates. </div>\n<div class=\"t sa_112\" id=\"t1r_112\" style=\"left:622px;bottom:590px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">The recognised intangibles will be amortised through the income statement over </div>\n<div class=\"t sa_112\" id=\"t1s_112\" style=\"left:622px;bottom:572px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">five\u00a0years and the combined charge for the 6 months to 31 December 2022 was \u00a333,000. </div>\n<div class=\"t s9_112\" id=\"t1t_112\" style=\"left:622px;bottom:542px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Acquired Receivables </div>\n<div class=\"t sa_112\" id=\"t1u_112\" style=\"left:622px;bottom:519px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">The fair value of acquired trade receivables is \u00a3144,000. The gross contractual amount </div>\n<div class=\"t sa_112\" id=\"t1v_112\" style=\"left:622px;bottom:501px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">for\u00a0trade receivables was \u00a3144,000 of which the full amount is recoverable. </div>\n<div class=\"t s9_112\" id=\"t1w_112\" style=\"left:622px;bottom:471px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">Revenue and Profit Contribution </div>\n<div class=\"t sa_112\" id=\"t1x_112\" style=\"left:622px;bottom:449px;letter-spacing:-0.17px;display:inline;\">The acquired business contributed revenues of \u00a3409,000 and net profit of \u00a3124,000 to the </div>\n<div class=\"t sa_112\" id=\"t1y_112\" style=\"left:622px;bottom:430px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">Group for the period from 1 July to 31 December 2022. If the acquisition had occurred on </div>\n<div class=\"t sa_112\" id=\"t1z_112\" style=\"left:622px;bottom:412px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">1\u00a0January 2022, the Group\u2019s consolidated pro-forma revenue and loss for the year ended </div>\n<div class=\"t sa_112\" id=\"t20_112\" style=\"left:622px;bottom:394px;letter-spacing:-0.06px;word-spacing:0.02px;display:inline;\">31\u00a0December 2022 would have been \u00a387,064,000 and \u00a36,512,000 respectively. </div>\n<div class=\"t s9_112\" id=\"t21_112\" style=\"left:622px;bottom:364px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Purchase Consideration \u2013 Cash Outflow </div>\n<div class=\"t sb_112\" id=\"t22_112\" style=\"left:1096px;bottom:337px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_112\" id=\"t23_112\" style=\"left:1092px;bottom:321px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_112\" id=\"t24_112\" style=\"left:626px;bottom:299px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Cash consideration paid </div><div class=\"t s4_112\" id=\"t25_112\" style=\"left:1109px;bottom:299px;letter-spacing:0.4px;display:inline;\">966 </div>\n<div class=\"t sc_112\" id=\"t26_112\" style=\"left:626px;bottom:277px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Less: Cash balances acquired </div><div class=\"t s4_112\" id=\"t27_112\" style=\"left:1105px;bottom:277px;letter-spacing:0.25px;display:inline;\">(154) </div>\n<div class=\"t s4_112\" id=\"t28_112\" style=\"left:626px;bottom:255px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sd_112\" id=\"t29_112\" style=\"left:1109px;bottom:255px;letter-spacing:0.31px;display:inline;\">812 </div>\n<div class=\"t s9_112\" id=\"t2a_112\" style=\"left:622px;bottom:217px;letter-spacing:0.01px;word-spacing:-0.12px;display:inline;\">Acquisition-related costs </div>\n<div class=\"t sa_112\" id=\"t2b_112\" style=\"left:622px;bottom:194px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">In the period, acquisition-related costs of \u00a347,000 that were not directly attributable to </div>\n<div class=\"t sa_112\" id=\"t2c_112\" style=\"left:622px;bottom:176px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">the issue of shares are included within expenses in profit or loss in operating cash flows </div>\n<div class=\"t sa_112\" id=\"t2d_112\" style=\"left:622px;bottom:158px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">in the statement of cash flows. </div>\n<div class=\"t s8_112\" id=\"t2e_112\" style=\"left:622px;bottom:124px;letter-spacing:0.21px;word-spacing:1.05px;display:inline;\">33 Post balance sheet events </div>\nThere have been no post balance sheet events.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNotesAndOtherExplanatoryInformationExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9658": {
   "value": "1 General information <div class=\"t s8_81\" id=\"tc_81\" style=\"left:74px;bottom:743px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">The principal activities of Personal Group Holdings Plc (\u201cthe Company\u201d) and subsidiaries </div>\n<div class=\"t s8_81\" id=\"td_81\" style=\"left:74px;bottom:725px;letter-spacing:-0.03px;display:inline;\">(together \u201cthe Group\u201d) include providing employee services and transacting short-term </div>\n<div class=\"t s8_81\" id=\"te_81\" style=\"left:74px;bottom:707px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">accident and health insurance in the UK. </div>\n<div class=\"t s8_81\" id=\"tf_81\" style=\"left:74px;bottom:675px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">The Company is a limited liability company incorporated and domiciled in England. </div>\n<div class=\"t s8_81\" id=\"tg_81\" style=\"left:74px;bottom:657px;letter-spacing:-0.04px;display:inline;\">The address of its registered office is John Ormond House, 899 Silbury Boulevard, </div>\n<div class=\"t s8_81\" id=\"th_81\" style=\"left:74px;bottom:639px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Milton Keynes, MK9 3XL. </div>\n<div class=\"t s8_81\" id=\"ti_81\" style=\"left:74px;bottom:607px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">The Company is listed on the Alternative Investment Market of the London Stock Exchange. </div>\n<div class=\"t s8_81\" id=\"tj_81\" style=\"left:74px;bottom:576px;letter-spacing:-0.05px;display:inline;\">These financial statements have been approved for issue by the Board of Directors </div>\non 27\u00a0March 2023.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9662": {
   "value": "The principal activities of Personal Group Holdings Plc (\u201cthe Company\u201d) and subsidiaries <div class=\"t s8_81\" id=\"td_81\" style=\"left:74px;bottom:725px;letter-spacing:-0.03px;display:inline;\">(together \u201cthe Group\u201d) include providing employee services and transacting short-term </div>\naccident and health insurance in the UK. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9663": {
   "value": "Personal Group Holdings Plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9668": {
   "value": "UK",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9669": {
   "value": "UK",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9671": {
   "value": "limited liability company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9672": {
   "value": "England",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9674": {
   "value": "John Ormond House, 899 Silbury Boulevard, Milton Keynes, MK9 3XL.",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9679": {
   "value": "These financial statements have been approved for issue by the Board of Directors on 27\u00a0March 2023.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9684": {
   "value": "2 Accounting policies <div class=\"t s8_81\" id=\"tm_81\" style=\"left:74px;bottom:502px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">These financial statements of Personal Group Holdings Plc are for the year ended </div>\n<div class=\"t s8_81\" id=\"tn_81\" style=\"left:74px;bottom:484px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">31\u00a0December 2022. The financial statements are prepared in accordance with UK </div>\n<div class=\"t s8_81\" id=\"to_81\" style=\"left:74px;bottom:466px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">endorsed IFRS in conformity with the requirements of Companies Act\u00a02006. </div>\n<div class=\"t s9_81\" id=\"tp_81\" style=\"left:74px;bottom:434px;letter-spacing:-0.09px;word-spacing:0.02px;display:inline;\">IFRS 17 \u2013 Insurance Contracts </div><div class=\"t s8_81\" id=\"tq_81\" style=\"left:242px;bottom:434px;letter-spacing:-0.1px;word-spacing:-0.05px;display:inline;\">is to\u00a0be effective for periods from 1 January 2023. IFRS 17 </div>\n<div class=\"t s8_81\" id=\"tr_81\" style=\"left:74px;bottom:416px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">\u2018Insurance contracts\u2019 provides comprehensive guidance on accounting for insurance </div>\n<div class=\"t s8_81\" id=\"ts_81\" style=\"left:74px;bottom:398px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">contracts and investment contracts with discretionary features and is expected to </div>\n<div class=\"t s8_81\" id=\"tt_81\" style=\"left:74px;bottom:379px;letter-spacing:-0.17px;display:inline;\">have a significant impact on accounting for insurance contracts and presentation of the </div>\n<div class=\"t s8_81\" id=\"tu_81\" style=\"left:74px;bottom:361px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">insurance revenue and insurance service result for many insurers. </div>\n<div class=\"t s8_81\" id=\"tv_81\" style=\"left:74px;bottom:330px;letter-spacing:-0.31px;word-spacing:0.01px;display:inline;\">Under IFRS 17, different measurement approaches for the insurance contract liabilities apply, </div>\n<div class=\"t s8_81\" id=\"tw_81\" style=\"left:74px;bottom:311px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">depending on the length and nature of the insurance contracts being accounted for. </div>\n<div class=\"t s8_81\" id=\"tx_81\" style=\"left:74px;bottom:293px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">For certain contracts, IFRS 17 foresees a simplified (premium allocation) approach, </div>\n<div class=\"t s8_81\" id=\"ty_81\" style=\"left:74px;bottom:275px;letter-spacing:-0.04px;display:inline;\">which can be applied to contracts that have a coverage period of 12 months or less or </div>\n<div class=\"t s8_81\" id=\"tz_81\" style=\"left:74px;bottom:256px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">for which such simplification would produce a measurement of the liability for remaining </div>\n<div class=\"t s8_81\" id=\"t10_81\" style=\"left:74px;bottom:238px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">coverage and liability for incurred claims, that would not differ materially from the one </div>\n<div class=\"t s8_81\" id=\"t11_81\" style=\"left:74px;bottom:220px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">obtained applying the general model. </div>\n<div class=\"t s8_81\" id=\"t12_81\" style=\"left:74px;bottom:188px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">All hospital plan, death benefit plan and convalescence plan policies written by the Group </div>\n<div class=\"t s8_81\" id=\"t13_81\" style=\"left:74px;bottom:170px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">are less than 12 months in length. While Employee Default policies may be longer than </div>\n<div class=\"t s8_81\" id=\"t14_81\" style=\"left:74px;bottom:152px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">12 months, calculations performed by the Group indicate that the application of the </div>\n<div class=\"t s8_81\" id=\"t15_81\" style=\"left:74px;bottom:133px;letter-spacing:-0.1px;display:inline;\">simplified premium allocation approach under IFRS 17 does not yield a materially different </div>\n<div class=\"t s8_81\" id=\"t16_81\" style=\"left:74px;bottom:115px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">result than that obtained by applying the general model (profit difference identified for </div>\n<div class=\"t s8_81\" id=\"t17_81\" style=\"left:74px;bottom:97px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">2022 would have been circa \u00a350k higher under the General Method). </div>\n<div class=\"t s8_81\" id=\"t18_81\" style=\"left:621px;bottom:768px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">The Group has, therefore, assessed that all insurance contracts issued, and held in force </div>\n<div class=\"t s8_81\" id=\"t19_81\" style=\"left:621px;bottom:749px;letter-spacing:-0.1px;word-spacing:-0.08px;display:inline;\">as of the transition date, will be eligible for the application of the simplified approach </div>\n<div class=\"t s8_81\" id=\"t1a_81\" style=\"left:621px;bottom:731px;letter-spacing:-0.11px;word-spacing:-0.04px;display:inline;\">and will apply the simplified approach for such contracts under IFRS 17. Due to their </div>\n<div class=\"t s8_81\" id=\"t1b_81\" style=\"left:621px;bottom:713px;letter-spacing:-0.12px;word-spacing:-0.04px;display:inline;\">short-term nature such in-force contracts will typically use the fully retrospective </div>\n<div class=\"t s8_81\" id=\"t1c_81\" style=\"left:621px;bottom:694px;letter-spacing:-0.09px;word-spacing:0.02px;display:inline;\">transition approach. </div>\n<div class=\"t s8_81\" id=\"t1d_81\" style=\"left:621px;bottom:663px;letter-spacing:-0.05px;display:inline;\">The Group will adopt IFRS 17 retrospectively and restate the comparative period of 2022 </div>\n<div class=\"t s8_81\" id=\"t1e_81\" style=\"left:621px;bottom:645px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">where required. The Group expects the impact of IFRS 17 on net equity at 1 January 2022 </div>\n<div class=\"t s8_81\" id=\"t1f_81\" style=\"left:621px;bottom:626px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">and 31 December 2022 to be immaterial. </div>\n<div class=\"t sa_81\" id=\"t1g_81\" style=\"left:621px;bottom:596px;letter-spacing:-0.03px;word-spacing:1.26px;display:inline;\">2.1 Basis of preparation </div>\n<div class=\"t s8_81\" id=\"t1h_81\" style=\"left:621px;bottom:574px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">The functional and presentational currency of the Group is Sterling. These statements </div>\n<div class=\"t s8_81\" id=\"t1i_81\" style=\"left:621px;bottom:556px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">and the prior year comparatives have been presented to the nearest thousand, unless </div>\n<div class=\"t s8_81\" id=\"t1j_81\" style=\"left:621px;bottom:537px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">otherwise stated. </div>\n<div class=\"t s8_81\" id=\"t1k_81\" style=\"left:621px;bottom:506px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">In preparing these consolidated financial statements, management has made judgements, </div>\n<div class=\"t s8_81\" id=\"t1l_81\" style=\"left:621px;bottom:488px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">estimates and assumptions that affect the application\u00a0of the Group\u2019s accounting policies </div>\n<div class=\"t s8_81\" id=\"t1m_81\" style=\"left:621px;bottom:469px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">and the reported amount of assets, liabilities, income and expenses. Actual results may </div>\n<div class=\"t s8_81\" id=\"t1n_81\" style=\"left:621px;bottom:451px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">differ from these estimates. </div>\n<div class=\"t s8_81\" id=\"t1o_81\" style=\"left:621px;bottom:420px;letter-spacing:-0.03px;display:inline;\">Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to </div>\n<div class=\"t s8_81\" id=\"t1p_81\" style=\"left:621px;bottom:401px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">estimates are recognised prospectively. </div>\n<div class=\"t sb_81\" id=\"t1q_81\" style=\"left:621px;bottom:371px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">Climate Risk </div>\n<div class=\"t s8_81\" id=\"t1r_81\" style=\"left:621px;bottom:351px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">In preparing these financial statements the Directors have considered the impact of </div>\n<div class=\"t s8_81\" id=\"t1s_81\" style=\"left:621px;bottom:333px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">the physical and transition risks of climate change, but have concluded that it does </div>\n<div class=\"t s8_81\" id=\"t1t_81\" style=\"left:621px;bottom:314px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">not have a material impact on the recognition and measurement of the assets and </div>\n<div class=\"t s8_81\" id=\"t1u_81\" style=\"left:621px;bottom:296px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">liabilities in these financial statements as at 31 December 2022. This is because the </div>\n<div class=\"t s8_81\" id=\"t1v_81\" style=\"left:621px;bottom:278px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">assets are reported at fair value under UK endorsed IFRS. Market prices will include the </div>\n<div class=\"t s8_81\" id=\"t1w_81\" style=\"left:621px;bottom:259px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">current expectations of the impact of climate change on these investments. Insurance </div>\n<div class=\"t s8_81\" id=\"t1x_81\" style=\"left:621px;bottom:241px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">liabilities are accrued based on past insurable events so will not be impacted by any </div>\n<div class=\"t s8_81\" id=\"t1y_81\" style=\"left:621px;bottom:223px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">future impact of climate change. However, we recognise that government and societal </div>\n<div class=\"t s8_81\" id=\"t1z_81\" style=\"left:621px;bottom:204px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">responses to climate change risks are still developing and the future impact cannot be </div>\n<div class=\"t s8_81\" id=\"t20_81\" style=\"left:621px;bottom:186px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">predicted. Future valuations of assets may therefore differ as the market responds to </div>\n<div class=\"t s8_81\" id=\"t21_81\" style=\"left:621px;bottom:168px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">these changing impacts or assesses the impact of current requirements differently and </div>\n<div class=\"t s8_81\" id=\"t22_81\" style=\"left:621px;bottom:149px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">the frequency/magnitude of future insurable events linked to the effect of climate risks </div>\n<div class=\"t s8_81\" id=\"t23_81\" style=\"left:621px;bottom:131px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">could change. </div><div></div><div class=\"t s1_82\" id=\"t1_82\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_82\" id=\"t2_82\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_82\" id=\"t3_82\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_82\" id=\"t4_82\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_82\" id=\"t5_82\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_82\" id=\"t6_82\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_82\" id=\"t7_82\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_82\" id=\"t8_82\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_82\" id=\"t9_82\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_82\" id=\"tg_82\" style=\"left:74px;bottom:724px;letter-spacing:-0.01px;display:inline;\">Judgements </div>\n<div class=\"t sd_82\" id=\"th_82\" style=\"left:74px;bottom:703px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Information about judgements made in applying accounting policies that have the most </div>\n<div class=\"t sd_82\" id=\"ti_82\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">significant effects on the amounts recognised in the consolidated financial statements </div>\n<div class=\"t sd_82\" id=\"tj_82\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tk_82\" style=\"left:74px;bottom:635px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tl_82\" style=\"left:87px;bottom:635px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Agent vs principal (Note 2.22) \u2013 whether the sale of discounted vouchers should be </div>\n<div class=\"t sd_82\" id=\"tm_82\" style=\"left:87px;bottom:617px;letter-spacing:-0.04px;display:inline;\">treated as a principal or agency transaction. </div>\n<div class=\"t sc_82\" id=\"tn_82\" style=\"left:74px;bottom:587px;word-spacing:-0.12px;display:inline;\">Assumptions and estimation uncertainties </div>\n<div class=\"t sd_82\" id=\"to_82\" style=\"left:74px;bottom:567px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Information about assumptions and estimation uncertainties that have a significant risk of </div>\n<div class=\"t sd_82\" id=\"tp_82\" style=\"left:74px;bottom:548px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">resulting in a material adjustment to the carrying amounts of assets and liabilities within </div>\n<div class=\"t sd_82\" id=\"tq_82\" style=\"left:74px;bottom:530px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the year ending 31 December 2022 is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tr_82\" style=\"left:74px;bottom:499px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"ts_82\" style=\"left:87px;bottom:499px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Goodwill valuation (Note 14) \u2013 key assumptions underlying recoverable amounts. </div>\n<div class=\"t se_82\" id=\"tt_82\" style=\"left:74px;bottom:476px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tu_82\" style=\"left:87px;bottom:476px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Establishing the value of claims outstanding (Note 25) \u2013 key assumptions regarding </div>\n<div class=\"t sd_82\" id=\"tv_82\" style=\"left:87px;bottom:458px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">the provisions for claims. </div>\n<div class=\"t sc_82\" id=\"tw_82\" style=\"left:74px;bottom:428px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Going concern </div>\n<div class=\"t sd_82\" id=\"tx_82\" style=\"left:74px;bottom:407px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">The financial statements are prepared on a going concern basis. In considering </div>\n<div class=\"t sd_82\" id=\"ty_82\" style=\"left:74px;bottom:389px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">going concern, the Directors have reviewed the Group\u2019s and Company\u2019s future cash </div>\n<div class=\"t sd_82\" id=\"tz_82\" style=\"left:74px;bottom:371px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">requirements, earnings projections and capital projections over the next 12 months </div>\n<div class=\"t sd_82\" id=\"t10_82\" style=\"left:74px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ending 27 March 2024. The Directors believe that projections have been prepared on </div>\n<div class=\"t sd_82\" id=\"t11_82\" style=\"left:74px;bottom:334px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">a prudent basis and have also considered the impact of a range of potential\u00a0changes </div>\n<div class=\"t sd_82\" id=\"t12_82\" style=\"left:74px;bottom:316px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">to trading performance over the next 12 months ending 27 March 2024, including the </div>\n<div class=\"t sd_82\" id=\"t13_82\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">impacts of climate risk discussed above. </div>\n<div class=\"t sd_82\" id=\"t14_82\" style=\"left:74px;bottom:266px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Having prepared and considered these stress scenarios the Directors have concluded </div>\n<div class=\"t sd_82\" id=\"t15_82\" style=\"left:74px;bottom:248px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the Group and Company will be able to operate without requiring any external </div>\n<div class=\"t sd_82\" id=\"t16_82\" style=\"left:74px;bottom:229px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">funding and therefore believe it is appropriate to prepare the financial statements </div>\n<div class=\"t sd_82\" id=\"t17_82\" style=\"left:74px;bottom:211px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">of the Group and Company on a going concern basis. This is supported by the Group\u2019s, </div>\n<div class=\"t sd_82\" id=\"t18_82\" style=\"left:74px;bottom:193px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">and Company\u2019s, liquidity position at the year end. </div>\n<div class=\"t sa_82\" id=\"t19_82\" style=\"left:621px;bottom:767px;letter-spacing:0.02px;word-spacing:1.22px;display:inline;\">2.2 Basis of consolidation </div>\n<div class=\"t sc_82\" id=\"t1a_82\" style=\"left:621px;bottom:746px;letter-spacing:0.01px;display:inline;\">Subsidiaries </div>\n<div class=\"t sd_82\" id=\"t1b_82\" style=\"left:621px;bottom:726px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">Subsidiaries are entities controlled by the Group. The Group controls an entity when it </div>\n<div class=\"t sd_82\" id=\"t1c_82\" style=\"left:621px;bottom:707px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">is exposed to, or has rights to, variable returns from its involvement with the entity and </div>\n<div class=\"t sd_82\" id=\"t1d_82\" style=\"left:621px;bottom:689px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">has the ability to affect those returns through its power over the entity. In assessing </div>\n<div class=\"t sd_82\" id=\"t1e_82\" style=\"left:621px;bottom:671px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">control, the Group takes into consideration potential voting rights that are currently </div>\n<div class=\"t sd_82\" id=\"t1f_82\" style=\"left:621px;bottom:652px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">exercisable. The acquisition date is the date on which control is transferred to the </div>\n<div class=\"t sd_82\" id=\"t1g_82\" style=\"left:621px;bottom:634px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">acquirer. The financial statements of subsidiaries are included in the consolidated </div>\n<div class=\"t sd_82\" id=\"t1h_82\" style=\"left:621px;bottom:616px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">financial statements from the date that control commences until the date that </div>\n<div class=\"t sd_82\" id=\"t1i_82\" style=\"left:621px;bottom:597px;letter-spacing:-0.07px;word-spacing:0.06px;display:inline;\">control ceases. </div>\n<div class=\"t sc_82\" id=\"t1j_82\" style=\"left:621px;bottom:567px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Transactions eliminated on consolidation </div>\n<div class=\"t sd_82\" id=\"t1k_82\" style=\"left:621px;bottom:547px;letter-spacing:-0.16px;display:inline;\">Intra-Group balances and transactions, and any unrealised income and expenses arising </div>\n<div class=\"t sd_82\" id=\"t1l_82\" style=\"left:621px;bottom:529px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">from these transactions, are eliminated on consolidation. </div>\n<div class=\"t sa_82\" id=\"t1m_82\" style=\"left:621px;bottom:499px;letter-spacing:0.01px;word-spacing:0.88px;display:inline;\">2.3 Goodwill and acquired intangibles </div>\n<div class=\"t sd_82\" id=\"t1n_82\" style=\"left:621px;bottom:476px;letter-spacing:-0.06px;word-spacing:-0.05px;display:inline;\">Goodwill representing the excess of the cost of acquisition over the fair value of the </div>\n<div class=\"t sd_82\" id=\"t1o_82\" style=\"left:621px;bottom:458px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Group\u2019s share of the identifiable net assets acquired, is capitalised and reviewed </div>\n<div class=\"t sd_82\" id=\"t1p_82\" style=\"left:621px;bottom:440px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">annually for impairment. Goodwill is carried at cost less accumulated impairment losses. </div>\n<div class=\"t sd_82\" id=\"t1q_82\" style=\"left:621px;bottom:421px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">Negative goodwill is recognised immediately after acquisition in the income statement. </div>\n<div class=\"t sd_82\" id=\"t1r_82\" style=\"left:621px;bottom:390px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Intangible assets meeting the relevant recognition criteria are initially measured at cost </div>\n<div class=\"t sd_82\" id=\"t1s_82\" style=\"left:621px;bottom:372px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">and amortised on a systematic basis over their useful lives. </div>\n<div class=\"t sa_82\" id=\"t1t_82\" style=\"left:621px;bottom:341px;word-spacing:3.92px;display:inline;\">2.4 Revenue </div>\n<div class=\"t sd_82\" id=\"t1u_82\" style=\"left:621px;bottom:319px;letter-spacing:-0.06px;word-spacing:-0.03px;display:inline;\">Revenue is measured by reference to the fair value of consideration received or </div>\n<div class=\"t sd_82\" id=\"t1v_82\" style=\"left:621px;bottom:301px;letter-spacing:-0.07px;word-spacing:-0.01px;display:inline;\">receivable by the Group for goods supplied and services provided, excluding VAT, </div>\n<div class=\"t sd_82\" id=\"t1w_82\" style=\"left:621px;bottom:282px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">IPT and trade discounts. </div>\n<div class=\"t sd_82\" id=\"t1x_82\" style=\"left:621px;bottom:251px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Whilst IFRS 15 considerations have been noted for the most significant revenue streams to </div>\n<div class=\"t sd_82\" id=\"t1y_82\" style=\"left:621px;bottom:233px;letter-spacing:-0.03px;display:inline;\">which it is applicable, the insurance premium revenue stream is out of scope for IFRS\u00a015. </div><div></div><div class=\"t s1_83\" id=\"t1_83\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_83\" id=\"t2_83\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_83\" id=\"t3_83\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_83\" id=\"t4_83\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_83\" id=\"t5_83\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_83\" id=\"t6_83\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_83\" id=\"t7_83\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_83\" id=\"t8_83\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_83\" id=\"t9_83\" style=\"left:1107px;bottom:878px;letter-spacing:-0.25px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_83\" id=\"tg_83\" style=\"left:74px;bottom:724px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Earned premium </div>\n<div class=\"t sd_83\" id=\"th_83\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">Earned premium is recognised in the period in which the Group is legally bound through </div>\n<div class=\"t sd_83\" id=\"ti_83\" style=\"left:74px;bottom:685px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">a contract to provide insurance cover, which is typically a week or a month in length </div>\n<div class=\"t sd_83\" id=\"tj_83\" style=\"left:74px;bottom:667px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">and renews at the end of each cover period. It represents the earned amount of gross </div>\n<div class=\"t sd_83\" id=\"tk_83\" style=\"left:74px;bottom:648px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">written premiums receivable under the contract. The remainder of gross written </div>\n<div class=\"t sd_83\" id=\"tl_83\" style=\"left:74px;bottom:630px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">premiums are deferred as a provision for unearned premiums until recognised as </div>\n<div class=\"t sd_83\" id=\"tm_83\" style=\"left:74px;bottom:612px;letter-spacing:-0.31px;word-spacing:0.02px;display:inline;\">revenue computed on a monthly or daily pro-rata basis. The unearned premium reserve </div>\n<div class=\"t sd_83\" id=\"tn_83\" style=\"left:74px;bottom:593px;letter-spacing:-0.05px;display:inline;\">is typically small as a large proportion of policies are weekly renewals. </div>\n<div class=\"t sd_83\" id=\"to_83\" style=\"left:74px;bottom:562px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Net earned premiums are stated net of amounts passed to reinsurers. Premiums are </div>\n<div class=\"t sd_83\" id=\"tp_83\" style=\"left:74px;bottom:544px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">shown before deduction of commission and exclude any sales-based taxes or duties. </div>\n<div class=\"t sc_83\" id=\"tq_83\" style=\"left:74px;bottom:514px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Other insurance related </div>\n<div class=\"t sd_83\" id=\"tr_83\" style=\"left:74px;bottom:493px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Commission receivable on the renewal of previously sold financial services are </div>\n<div class=\"t sd_83\" id=\"ts_83\" style=\"left:74px;bottom:475px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">recognised by the Group as the renewal takes place with the underwriter. </div>\n<div class=\"t sc_83\" id=\"tt_83\" style=\"left:74px;bottom:445px;word-spacing:-0.12px;display:inline;\">Other Owned Benefits \u2013 IT Salary Sacrifice </div>\n<div class=\"t sd_83\" id=\"tu_83\" style=\"left:74px;bottom:425px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Income from the provision of salary sacrifice technology products is recognised when </div>\n<div class=\"t sd_83\" id=\"tv_83\" style=\"left:74px;bottom:405px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the goods are dispatched. </div>\n<div class=\"t se_83\" id=\"tw_83\" style=\"left:78px;bottom:369px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">IFRS 15 \u2013 IT salary sacrifice income (Other Owned Benefits) </div>\n<div class=\"t sf_83\" id=\"tx_83\" style=\"left:78px;bottom:347px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"ty_83\" style=\"left:78px;bottom:330px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"tz_83\" style=\"left:191px;bottom:347px;letter-spacing:0.06px;word-spacing:0.02px;display:inline;\">Provision of IT goods to employer companies. Goods are acquired by </div>\n<div class=\"t sf_83\" id=\"t10_83\" style=\"left:191px;bottom:330px;letter-spacing:0.07px;word-spacing:-0.03px;display:inline;\">the Group from various suppliers and held as inventory until sold to </div>\n<div class=\"t sf_83\" id=\"t11_83\" style=\"left:191px;bottom:312px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">customers at an agreed price. </div>\n<div class=\"t sf_83\" id=\"t12_83\" style=\"left:78px;bottom:290px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t13_83\" style=\"left:191px;bottom:290px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Purchase price varies dependant on product purchased but is </div>\n<div class=\"t sf_83\" id=\"t14_83\" style=\"left:191px;bottom:273px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">clearly indicated. </div>\n<div class=\"t sf_83\" id=\"t15_83\" style=\"left:78px;bottom:250px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t16_83\" style=\"left:191px;bottom:250px;letter-spacing:0.07px;word-spacing:-0.06px;display:inline;\">Prices are allocated by product, volumes and values. </div>\n<div class=\"t sf_83\" id=\"t17_83\" style=\"left:78px;bottom:228px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t18_83\" style=\"left:78px;bottom:211px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t19_83\" style=\"left:191px;bottom:228px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Revenue is recognised on dispatch as Group has met its performance </div>\n<div class=\"t sf_83\" id=\"t1a_83\" style=\"left:191px;bottom:211px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">obligation as per the contracts in place. </div>\n<div class=\"t sc_83\" id=\"t1b_83\" style=\"left:74px;bottom:173px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Platform income </div>\n<div class=\"t sd_83\" id=\"t1c_83\" style=\"left:74px;bottom:153px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Platform income, including that derived from Hapi, is recognised on a straight-line basis </div>\n<div class=\"t sd_83\" id=\"t1d_83\" style=\"left:74px;bottom:135px;letter-spacing:-0.06px;word-spacing:-0.04px;display:inline;\">over the length of the contract. </div>\n<div class=\"t sd_83\" id=\"t1e_83\" style=\"left:74px;bottom:103px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Where a proportion of this income and costs, credited or charged in the current year, </div>\n<div class=\"t sd_83\" id=\"t1f_83\" style=\"left:74px;bottom:85px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">relate to the provision of services provided in the following year, they are carried </div>\n<div class=\"t sd_83\" id=\"t1g_83\" style=\"left:74px;bottom:67px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">forward as deferred income or costs, calculated on a daily pro-rata basis. </div>\n<div class=\"t se_83\" id=\"t1h_83\" style=\"left:626px;bottom:761px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">IFRS 15 \u2013 Platform income (Benefits Platform) </div>\n<div class=\"t sf_83\" id=\"t1i_83\" style=\"left:626px;bottom:740px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"t1j_83\" style=\"left:626px;bottom:722px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t1k_83\" style=\"left:738px;bottom:740px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Ongoing access to Hapi platform with each relevant month access </div>\n<div class=\"t sf_83\" id=\"t1l_83\" style=\"left:738px;bottom:722px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">is provided being considered a separate performance obligation. </div>\n<div class=\"t sf_83\" id=\"t1m_83\" style=\"left:626px;bottom:700px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t1n_83\" style=\"left:738px;bottom:700px;letter-spacing:0.07px;word-spacing:0.01px;display:inline;\">Prices are set on a by employee rate and are agreed with each client </div>\n<div class=\"t sf_83\" id=\"t1o_83\" style=\"left:738px;bottom:682px;letter-spacing:0.04px;display:inline;\">individually. </div>\n<div class=\"t sf_83\" id=\"t1p_83\" style=\"left:626px;bottom:660px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t1q_83\" style=\"left:738px;bottom:660px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">Price allocated evenly to each period/performance obligation. </div>\n<div class=\"t sf_83\" id=\"t1r_83\" style=\"left:626px;bottom:638px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t1s_83\" style=\"left:626px;bottom:620px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t1t_83\" style=\"left:738px;bottom:638px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">Recognised straight-line over period of agreement of service as </div>\n<div class=\"t sf_83\" id=\"t1u_83\" style=\"left:738px;bottom:620px;letter-spacing:0.1px;word-spacing:-0.01px;display:inline;\">the performance obligation is deemed to be met each month as </div>\n<div class=\"t sf_83\" id=\"t1v_83\" style=\"left:738px;bottom:603px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">the contract progresses. </div>\n<div class=\"t sd_83\" id=\"t1w_83\" style=\"left:621px;bottom:564px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Voucher income derives from customers ordering retail vouchers through the Hapi </div>\n<div class=\"t sd_83\" id=\"t1x_83\" style=\"left:621px;bottom:546px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">platform. E-vouchers are fulfilled and made available instantly to the customer while, </div>\n<div class=\"t sd_83\" id=\"t1y_83\" style=\"left:621px;bottom:527px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">for reloadable cards, customers receive these several working days after placing the </div>\n<div class=\"t sd_83\" id=\"t1z_83\" style=\"left:621px;bottom:509px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">order. Income from the sale of reloadable cards and e-vouchers is recognised as orders </div>\n<div class=\"t sd_83\" id=\"t20_83\" style=\"left:621px;bottom:491px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">are fulfilled by the Group. In the vast majority of these transactions the Group acts as </div>\n<div class=\"t sd_83\" id=\"t21_83\" style=\"left:621px;bottom:472px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">principal. Refer to 2.22 for further details of agent vs principal assessment. </div>\n<div class=\"t se_83\" id=\"t22_83\" style=\"left:626px;bottom:437px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">IFRS 15 \u2013 Voucher resale income </div>\n<div class=\"t sf_83\" id=\"t23_83\" style=\"left:626px;bottom:415px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"t24_83\" style=\"left:626px;bottom:397px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t25_83\" style=\"left:738px;bottom:415px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Provision of voucher to individuals/companies. </div>\n<div class=\"t sf_83\" id=\"t26_83\" style=\"left:626px;bottom:375px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t27_83\" style=\"left:738px;bottom:375px;letter-spacing:0.08px;display:inline;\">Prices are based on each retailer\u2019s discount on purchase into the Group. </div>\n<div class=\"t sf_83\" id=\"t28_83\" style=\"left:626px;bottom:353px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t29_83\" style=\"left:738px;bottom:353px;letter-spacing:0.09px;word-spacing:-0.05px;display:inline;\">Whole price allocated to the sole performance obligation. </div>\n<div class=\"t sf_83\" id=\"t2a_83\" style=\"left:626px;bottom:331px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t2b_83\" style=\"left:626px;bottom:313px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t2c_83\" style=\"left:738px;bottom:331px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">Recognised on dispatch of voucher as this is the point at which the Group </div>\n<div class=\"t sf_83\" id=\"t2d_83\" style=\"left:738px;bottom:313px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">has fulfilled its part of the agreed contract. </div>\n<div class=\"t sd_83\" id=\"t2e_83\" style=\"left:621px;bottom:274px;letter-spacing:-0.3px;display:inline;\">The Group receives income from its provision of HR consultancy services to corporate </div>\n<div class=\"t sd_83\" id=\"t2f_83\" style=\"left:621px;bottom:256px;letter-spacing:-0.3px;display:inline;\">clients. Consultancy income is recognised in the profit and loss account at the relevant </div>\n<div class=\"t sd_83\" id=\"t2g_83\" style=\"left:621px;bottom:238px;letter-spacing:-0.28px;word-spacing:-0.03px;display:inline;\">charge out rates of the consultants and based on the chargeable time spent on each </div>\n<div class=\"t sd_83\" id=\"t2h_83\" style=\"left:621px;bottom:219px;letter-spacing:-0.29px;word-spacing:0.02px;display:inline;\">client\u00a0project. </div><div></div><div class=\"t s1_84\" id=\"t1_84\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_84\" id=\"t2_84\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_84\" id=\"t3_84\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_84\" id=\"t4_84\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_84\" id=\"t5_84\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_84\" id=\"t6_84\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_84\" id=\"t7_84\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_84\" id=\"t8_84\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_84\" id=\"t9_84\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_84\" id=\"tg_84\" style=\"left:78px;bottom:718px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">IFRS 15 \u2013 Consultancy income (Pay and Reward) </div>\n<div class=\"t sd_84\" id=\"th_84\" style=\"left:78px;bottom:694px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sd_84\" id=\"ti_84\" style=\"left:78px;bottom:677px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sd_84\" id=\"tj_84\" style=\"left:191px;bottom:694px;letter-spacing:0.07px;word-spacing:0.01px;display:inline;\">Provision of consultancy services, typically based on an agreed number </div>\n<div class=\"t sd_84\" id=\"tk_84\" style=\"left:191px;bottom:677px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">of consultant hours. </div>\n<div class=\"t sd_84\" id=\"tl_84\" style=\"left:78px;bottom:650px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sd_84\" id=\"tm_84\" style=\"left:191px;bottom:650px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Prices are based on each contractual client agreement, dependant on </div>\n<div class=\"t sd_84\" id=\"tn_84\" style=\"left:191px;bottom:633px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">the level and duration of consultant hours\u00a0spent. </div>\n<div class=\"t sd_84\" id=\"to_84\" style=\"left:78px;bottom:606px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sd_84\" id=\"tp_84\" style=\"left:191px;bottom:606px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Each chargeable hour will have an agreed price dependant on the level </div>\n<div class=\"t sd_84\" id=\"tq_84\" style=\"left:191px;bottom:589px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">and experience of the consultant. </div>\n<div class=\"t sd_84\" id=\"tr_84\" style=\"left:78px;bottom:562px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sd_84\" id=\"ts_84\" style=\"left:78px;bottom:545px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sd_84\" id=\"tt_84\" style=\"left:191px;bottom:562px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Each consultant hour charged is considered a separate performance </div>\n<div class=\"t sd_84\" id=\"tu_84\" style=\"left:191px;bottom:545px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">obligation and recognition is recorded periodically (typically monthly) </div>\n<div class=\"t sd_84\" id=\"tv_84\" style=\"left:191px;bottom:527px;letter-spacing:0.1px;word-spacing:-0.03px;display:inline;\">based on chargeable hours in that period. </div>\n<div class=\"t se_84\" id=\"tw_84\" style=\"left:74px;bottom:494px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Other income </div>\n<div class=\"t sf_84\" id=\"tx_84\" style=\"left:74px;bottom:474px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Property rental income is recognised on a receivable basis when the right to receive </div>\n<div class=\"t sf_84\" id=\"ty_84\" style=\"left:74px;bottom:455px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">consideration has been established. </div>\n<div class=\"t se_84\" id=\"tz_84\" style=\"left:74px;bottom:425px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">Costs incurred to fulfil a contract </div>\n<div class=\"t sf_84\" id=\"t10_84\" style=\"left:74px;bottom:405px;letter-spacing:-0.23px;display:inline;\">Costs incurred to fulfil a contract under IFRS 15 are recognised as an asset under certain </div>\n<div class=\"t sf_84\" id=\"t11_84\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:-0.01px;display:inline;\">conditions laid out in IFRS 15.95. The capitalised contract costs are amortised on a </div>\n<div class=\"t sf_84\" id=\"t12_84\" style=\"left:74px;bottom:368px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">systematic basis that is consistent with the Company\u2019s transfer of the related goods </div>\n<div class=\"t sf_84\" id=\"t13_84\" style=\"left:74px;bottom:350px;letter-spacing:-0.06px;word-spacing:-0.07px;display:inline;\">or services to the customer. </div>\n<div class=\"t sf_84\" id=\"t14_84\" style=\"left:74px;bottom:319px;letter-spacing:-0.41px;word-spacing:-0.02px;display:inline;\">Capitalised contract costs are subject to an impairment assessment at the end of each </div>\n<div class=\"t sf_84\" id=\"t15_84\" style=\"left:74px;bottom:300px;letter-spacing:-0.42px;word-spacing:-0.01px;display:inline;\">reporting period. Impairment losses are recognised in the profit or loss. There are no contracts </div>\n<div class=\"t sf_84\" id=\"t16_84\" style=\"left:74px;bottom:281px;letter-spacing:-0.42px;word-spacing:-0.04px;display:inline;\">in the Group for which these conditions are met and, as such, no assets have been recognised. </div>\n<div class=\"t se_84\" id=\"t17_84\" style=\"left:74px;bottom:250px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Investment income </div>\n<div class=\"t sf_84\" id=\"t18_84\" style=\"left:74px;bottom:230px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Interest income is recognised on an effective interest rate method. </div>\n<div class=\"t sa_84\" id=\"t19_84\" style=\"left:74px;bottom:200px;letter-spacing:0.02px;word-spacing:3.91px;display:inline;\">2.5 Reinsurance </div>\n<div class=\"t sf_84\" id=\"t1a_84\" style=\"left:74px;bottom:178px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">Outwards reinsurance premiums are accounted for in the same accounting period as the </div>\n<div class=\"t sf_84\" id=\"t1b_84\" style=\"left:74px;bottom:159px;letter-spacing:-0.17px;display:inline;\">premiums for the related direct or inwards business being reinsured. Reinsurers\u2019 share of </div>\n<div class=\"t sf_84\" id=\"t1c_84\" style=\"left:74px;bottom:141px;letter-spacing:-0.03px;display:inline;\">technical reserves is shown as an asset in the balance sheet. </div>\n<div class=\"t sf_84\" id=\"t1d_84\" style=\"left:74px;bottom:110px;letter-spacing:-0.17px;word-spacing:0.02px;display:inline;\">Amounts recoverable under reinsurance contracts are assessed for impairment at each </div>\n<div class=\"t sf_84\" id=\"t1e_84\" style=\"left:74px;bottom:91px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">balance sheet date. If objective evidence of impairment exists reinsurance assets are </div>\n<div class=\"t sf_84\" id=\"t1f_84\" style=\"left:74px;bottom:73px;letter-spacing:-0.18px;word-spacing:-0.05px;display:inline;\">reduced to the level at which they are considered to be recoverable, and an impairment </div>\n<div class=\"t sf_84\" id=\"t1g_84\" style=\"left:74px;bottom:55px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">loss is recognised in the income statement. </div>\n<div class=\"t sa_84\" id=\"t1h_84\" style=\"left:621px;bottom:767px;word-spacing:0.7px;display:inline;\">2.6 Claims recognition and claims provisions </div>\n<div class=\"t sf_84\" id=\"t1i_84\" style=\"left:621px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The provision for claims represents the gross estimated liability arising from claim </div>\n<div class=\"t sf_84\" id=\"t1j_84\" style=\"left:621px;bottom:726px;letter-spacing:-0.1px;word-spacing:-0.07px;display:inline;\">episodes in the current and preceding financial years which have not given rise to claims </div>\n<div class=\"t sf_84\" id=\"t1k_84\" style=\"left:621px;bottom:708px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">paid. The provision includes an allowance for claims management and handling expenses. </div>\n<div class=\"t sf_84\" id=\"t1l_84\" style=\"left:621px;bottom:677px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The provision for claims is estimated based on current information, and the\u00a0ultimate </div>\n<div class=\"t sf_84\" id=\"t1m_84\" style=\"left:621px;bottom:658px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">liability may vary as a result of subsequent information and\u00a0events. </div>\n<div class=\"t sf_84\" id=\"t1n_84\" style=\"left:621px;bottom:627px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Adjustments to the amount of claims provision for prior years are included in the income </div>\n<div class=\"t sf_84\" id=\"t1o_84\" style=\"left:621px;bottom:609px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">statement in the financial year in which the change is made. </div>\n<div class=\"t sf_84\" id=\"t1p_84\" style=\"left:621px;bottom:577px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">In setting the provisions for claims outstanding, a best estimate is determined on an </div>\n<div class=\"t sf_84\" id=\"t1q_84\" style=\"left:621px;bottom:559px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">undiscounted basis and then a margin of prudence is added such that there is confidence </div>\n<div class=\"t sf_84\" id=\"t1r_84\" style=\"left:621px;bottom:541px;letter-spacing:-0.16px;word-spacing:-0.07px;display:inline;\">that future claims will be met from the provisions. When IFRS 17 becomes effective from </div>\n<div class=\"t sf_84\" id=\"t1s_84\" style=\"left:621px;bottom:522px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">1st January 2023, the margin of prudence added to the claims provision will form the </div>\n<div class=\"t sf_84\" id=\"t1t_84\" style=\"left:621px;bottom:504px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">basis of the risk adjustment for non-financial risk. The level of prudence set is one that </div>\n<div class=\"t sf_84\" id=\"t1u_84\" style=\"left:621px;bottom:486px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">provides an appropriate degree of confidence. </div>\n<div class=\"t sf_84\" id=\"t1v_84\" style=\"left:621px;bottom:454px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">The liability adequacy test is performed at each reported balance sheet date. This requires </div>\n<div class=\"t sf_84\" id=\"t1w_84\" style=\"left:621px;bottom:436px;letter-spacing:-0.1px;word-spacing:-0.02px;display:inline;\">the estimate of future cash flows under its insurance contracts to be measured against </div>\n<div class=\"t sf_84\" id=\"t1x_84\" style=\"left:621px;bottom:418px;letter-spacing:-0.09px;word-spacing:0.02px;display:inline;\">the recognised insurance liabilities. </div>\n<div class=\"t sa_84\" id=\"t1y_84\" style=\"left:621px;bottom:387px;word-spacing:0.46px;display:inline;\">2.7 Property, plant and equipment and intangible assets </div>\n<div class=\"t sf_84\" id=\"t1z_84\" style=\"left:621px;bottom:365px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Property, plant and equipment and software intangibles are stated at cost, net of </div>\n<div class=\"t sf_84\" id=\"t20_84\" style=\"left:621px;bottom:347px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">depreciation, amortisation and any provision for impairment. No depreciation or </div>\n<div class=\"t sf_84\" id=\"t21_84\" style=\"left:621px;bottom:329px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">amortisation is charged during the period of construction. </div>\n<div class=\"t se_84\" id=\"t22_84\" style=\"left:621px;bottom:298px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Research and development </div>\n<div class=\"t sf_84\" id=\"t23_84\" style=\"left:621px;bottom:278px;letter-spacing:-0.15px;display:inline;\">Expenditure on research activities is recognised in the income statement as an expense </div>\n<div class=\"t sf_84\" id=\"t24_84\" style=\"left:621px;bottom:260px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">as\u00a0incurred. </div>\n<div class=\"t sf_84\" id=\"t25_84\" style=\"left:621px;bottom:229px;letter-spacing:-0.03px;display:inline;\">Expenditure on development activities is capitalised if the product or process is </div>\n<div class=\"t sf_84\" id=\"t26_84\" style=\"left:621px;bottom:210px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">technically and commercially feasible and the Group intends, and has the technical </div>\n<div class=\"t sf_84\" id=\"t27_84\" style=\"left:621px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ability and sufficient resources to, complete development, future economic benefits </div>\n<div class=\"t sf_84\" id=\"t28_84\" style=\"left:621px;bottom:174px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">are probable and if the Group can measure reliably the expenditure attributable to </div>\n<div class=\"t sf_84\" id=\"t29_84\" style=\"left:621px;bottom:155px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">the intangible asset during its development. Development activities involve a plan </div>\n<div class=\"t sf_84\" id=\"t2a_84\" style=\"left:621px;bottom:137px;letter-spacing:-0.06px;word-spacing:0.02px;display:inline;\">or design for the production of new or substantially improved products or processes. </div><div></div><div class=\"t s1_85\" id=\"t1_85\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_85\" id=\"t2_85\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_85\" id=\"t3_85\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t4_85\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t5_85\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_85\" id=\"t6_85\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_85\" id=\"t7_85\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_85\" id=\"t8_85\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_85\" id=\"t9_85\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_85\" id=\"ti_85\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;display:inline;\">The expenditure capitalised includes the cost of materials, external consultancy costs and </div>\n<div class=\"t se_85\" id=\"tj_85\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;display:inline;\">salary costs where a distinct product has been created. Other development expenditure </div>\n<div class=\"t se_85\" id=\"tk_85\" style=\"left:74px;bottom:667px;letter-spacing:-0.15px;display:inline;\">is recognised in the income statement as an expense as incurred. Capitalised development </div>\n<div class=\"t se_85\" id=\"tl_85\" style=\"left:74px;bottom:648px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">expenditure is stated at cost less accumulated amortisation and less accumulated </div>\n<div class=\"t se_85\" id=\"tm_85\" style=\"left:74px;bottom:630px;letter-spacing:-0.14px;word-spacing:0.01px;display:inline;\">impairment losses. </div>\n<div class=\"t sc_85\" id=\"tn_85\" style=\"left:74px;bottom:600px;word-spacing:-0.12px;display:inline;\">Disposal of assets </div>\n<div class=\"t se_85\" id=\"to_85\" style=\"left:74px;bottom:580px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The gain or loss arising on the disposal of an asset is determined as the difference </div>\n<div class=\"t se_85\" id=\"tp_85\" style=\"left:74px;bottom:561px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">between the disposal proceeds and the carrying amount of the asset and is recognised </div>\n<div class=\"t se_85\" id=\"tq_85\" style=\"left:74px;bottom:543px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">in the income statement. </div>\n<div class=\"t sc_85\" id=\"tr_85\" style=\"left:74px;bottom:513px;word-spacing:-0.12px;display:inline;\">Amortisation and depreciation </div>\n<div class=\"t se_85\" id=\"ts_85\" style=\"left:74px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Amortisation and depreciation are calculated to write down the cost or valuation less </div>\n<div class=\"t se_85\" id=\"tt_85\" style=\"left:74px;bottom:474px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">estimated residual value of all intangible assets, and tangible assets other than freehold </div>\n<div class=\"t se_85\" id=\"tu_85\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">land excluding investment properties by equal annual instalments over their estimated </div>\n<div class=\"t se_85\" id=\"tv_85\" style=\"left:74px;bottom:436px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">economic useful lives. </div>\n<div class=\"t se_85\" id=\"tw_85\" style=\"left:74px;bottom:405px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Residual value is reviewed annually and amended if material. The rates generally </div>\n<div class=\"t se_85\" id=\"tx_85\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">applicable are: </div>\n<div class=\"t sf_85\" id=\"ty_85\" style=\"left:78px;bottom:352px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Freehold properties </div><div class=\"t sg_85\" id=\"tz_85\" style=\"left:533px;bottom:352px;letter-spacing:0.25px;word-spacing:-0.14px;display:inline;\">50 years </div>\n<div class=\"t sf_85\" id=\"t10_85\" style=\"left:78px;bottom:329px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sg_85\" id=\"t11_85\" style=\"left:521px;bottom:329px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t12_85\" style=\"left:78px;bottom:307px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Computer equipment </div><div class=\"t sg_85\" id=\"t13_85\" style=\"left:521px;bottom:307px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t14_85\" style=\"left:78px;bottom:285px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Furniture, fixtures and fittings </div><div class=\"t sg_85\" id=\"t15_85\" style=\"left:515px;bottom:285px;letter-spacing:0.16px;word-spacing:-0.07px;display:inline;\">5 \u2013 10 years </div>\n<div class=\"t sf_85\" id=\"t16_85\" style=\"left:78px;bottom:263px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Computer software and development </div><div class=\"t sg_85\" id=\"t17_85\" style=\"left:521px;bottom:263px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t18_85\" style=\"left:78px;bottom:241px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Internally generated intangibles </div><div class=\"t sg_85\" id=\"t19_85\" style=\"left:521px;bottom:241px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1a_85\" style=\"left:78px;bottom:219px;letter-spacing:0.1px;display:inline;\">Intangible assets </div><div class=\"t sg_85\" id=\"t1b_85\" style=\"left:521px;bottom:219px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1c_85\" style=\"left:78px;bottom:196px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Right of Use Assets </div><div class=\"t sh_85\" id=\"t1d_85\" style=\"left:501px;bottom:196px;letter-spacing:0.16px;word-spacing:-0.05px;display:inline;\">Term of Lease </div>\n<div class=\"t sa_85\" id=\"t1e_85\" style=\"left:74px;bottom:159px;letter-spacing:0.06px;word-spacing:3.87px;display:inline;\">2.8 Leases </div>\n<div class=\"t se_85\" id=\"t1f_85\" style=\"left:74px;bottom:137px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Under IFRS 16, with the exception of short-term or low value leases, all operating </div>\n<div class=\"t se_85\" id=\"t1g_85\" style=\"left:74px;bottom:119px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">and finance leases are accounted for in the balance sheet. On inception of the lease, </div>\n<div class=\"t se_85\" id=\"t1h_85\" style=\"left:74px;bottom:100px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">the future payments, including any expected end of life costs, are discounted based on </div>\n<div class=\"t se_85\" id=\"t1i_85\" style=\"left:74px;bottom:82px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">the implicit interest rate in the specific lease. A \u201cRight of Use\u201d asset is created at an equal </div>\n<div class=\"t se_85\" id=\"t1j_85\" style=\"left:74px;bottom:64px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">value depreciated over the life of the lease which is determined by the contract with </div>\n<div class=\"t se_85\" id=\"t1k_85\" style=\"left:621px;bottom:768px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">any break clauses being reviewed as to the expected use at the time of inception and at </div>\n<div class=\"t se_85\" id=\"t1l_85\" style=\"left:621px;bottom:750px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">each following year end. Payments made to the lessor are debited to the balance sheet </div>\n<div class=\"t se_85\" id=\"t1m_85\" style=\"left:621px;bottom:731px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">and the income statement is charged with monthly depreciation and interest which is </div>\n<div class=\"t se_85\" id=\"t1n_85\" style=\"left:621px;bottom:713px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">included as finance costs in the accounts. </div>\n<div class=\"t se_85\" id=\"t1o_85\" style=\"left:621px;bottom:682px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Low value leases or short life leases of less than one year are expensed directly into the </div>\n<div class=\"t se_85\" id=\"t1p_85\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">income statement account on a straight line over the life of the lease. </div>\n<div class=\"t sa_85\" id=\"t1q_85\" style=\"left:621px;bottom:633px;letter-spacing:0.01px;word-spacing:0.89px;display:inline;\">2.9 Impairment of non-financial assets </div>\n<div class=\"t se_85\" id=\"t1r_85\" style=\"left:621px;bottom:611px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">For the purposes of assessing impairment, assets are grouped at the lowest\u00a0levels for </div>\n<div class=\"t se_85\" id=\"t1s_85\" style=\"left:621px;bottom:592px;letter-spacing:-0.17px;word-spacing:-0.04px;display:inline;\">which there are separately identifiable cash flows (cash-generating units). As a result, </div>\n<div class=\"t se_85\" id=\"t1t_85\" style=\"left:621px;bottom:574px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">some assets are tested individually for impairment and some are tested at cash- </div>\n<div class=\"t se_85\" id=\"t1u_85\" style=\"left:621px;bottom:556px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">generating unit level. Goodwill is allocated to those cash-generating units that are </div>\n<div class=\"t se_85\" id=\"t1v_85\" style=\"left:621px;bottom:537px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">expected to benefit from\u00a0synergies of the related business combination and represent </div>\n<div class=\"t se_85\" id=\"t1w_85\" style=\"left:621px;bottom:519px;letter-spacing:-0.29px;word-spacing:-0.07px;display:inline;\">the lowest level within the Group at which management monitors the related cash flows. </div>\n<div class=\"t se_85\" id=\"t1x_85\" style=\"left:621px;bottom:488px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">Goodwill, other individual assets or cash-generating units that include goodwill and those </div>\n<div class=\"t se_85\" id=\"t1y_85\" style=\"left:621px;bottom:469px;letter-spacing:-0.06px;word-spacing:-0.02px;display:inline;\">intangible assets not yet available for use are tested for impairment at least annually. </div>\n<div class=\"t se_85\" id=\"t1z_85\" style=\"left:621px;bottom:451px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">All other individual assets or cash-generating units are tested for impairment whenever </div>\n<div class=\"t se_85\" id=\"t20_85\" style=\"left:621px;bottom:433px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">events or changes in circumstances indicate that the carrying amount may not be </div>\n<div class=\"t se_85\" id=\"t21_85\" style=\"left:621px;bottom:414px;letter-spacing:-0.3px;word-spacing:-0.04px;display:inline;\">recoverable. See Note 14 for further details on the impairment testing of goodwill. </div>\n<div class=\"t sa_85\" id=\"t22_85\" style=\"left:621px;bottom:384px;letter-spacing:-0.09px;word-spacing:4.02px;display:inline;\">2.10 Taxation </div>\n<div class=\"t se_85\" id=\"t23_85\" style=\"left:621px;bottom:362px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">Current tax is the tax currently payable based on taxable profit for the year. </div>\n<div class=\"t se_85\" id=\"t24_85\" style=\"left:621px;bottom:331px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred income taxes are calculated using the liability method on temporary </div>\n<div class=\"t se_85\" id=\"t25_85\" style=\"left:621px;bottom:312px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">differences. Deferred tax is generally provided on the difference between the carrying </div>\n<div class=\"t se_85\" id=\"t26_85\" style=\"left:621px;bottom:294px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">amounts of assets and liabilities and their tax bases. </div>\n<div class=\"t se_85\" id=\"t27_85\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">However, deferred tax is not provided on the initial recognition of goodwill, nor on the </div>\n<div class=\"t se_85\" id=\"t28_85\" style=\"left:621px;bottom:244px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">initial recognition of an asset or liability unless the related transaction is a business </div>\n<div class=\"t se_85\" id=\"t29_85\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;display:inline;\">combination or affects tax or accounting profit. </div>\n<div class=\"t se_85\" id=\"t2a_85\" style=\"left:621px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax on temporary differences associated with shares in subsidiaries and joint </div>\n<div class=\"t se_85\" id=\"t2b_85\" style=\"left:621px;bottom:176px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">ventures is not provided if reversal of these temporary differences can be controlled </div>\n<div class=\"t se_85\" id=\"t2c_85\" style=\"left:621px;bottom:158px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">by the Group and it is probable that reversal will not occur in the foreseeable future. </div>\n<div class=\"t se_85\" id=\"t2d_85\" style=\"left:621px;bottom:140px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">In addition, tax losses available to be carried forward as well as other income tax credits </div>\n<div class=\"t se_85\" id=\"t2e_85\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">to the Group are assessed for recognition as deferred tax assets. </div><div></div><div class=\"t s1_86\" id=\"t1_86\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_86\" id=\"t2_86\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_86\" id=\"t3_86\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t4_86\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t5_86\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_86\" id=\"t6_86\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_86\" id=\"t7_86\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_86\" id=\"t8_86\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_86\" id=\"t9_86\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_86\" id=\"tg_86\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax liabilities are provided in full, with no discounting. Deferred tax assets are </div>\n<div class=\"t sc_86\" id=\"th_86\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">recognised to the extent that it is probable that the underlying deductible temporary </div>\n<div class=\"t sc_86\" id=\"ti_86\" style=\"left:74px;bottom:686px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">differences will be able to be offset against future taxable income. Current and deferred </div>\n<div class=\"t sc_86\" id=\"tj_86\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">tax assets and liabilities are calculated at tax rates that are expected to apply to their </div>\n<div class=\"t sc_86\" id=\"tk_86\" style=\"left:74px;bottom:649px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">respective period of realisation, provided they are enacted or substantively enacted at </div>\n<div class=\"t sc_86\" id=\"tl_86\" style=\"left:74px;bottom:631px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the balance sheet date. </div>\n<div class=\"t sa_86\" id=\"tm_86\" style=\"left:74px;bottom:601px;letter-spacing:-0.02px;word-spacing:1.94px;display:inline;\">2.11 Financial assets </div>\n<div class=\"t sc_86\" id=\"tn_86\" style=\"left:74px;bottom:578px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">Financial assets include; equity investments, bank deposits (as defined below); </div>\n<div class=\"t sc_86\" id=\"to_86\" style=\"left:74px;bottom:560px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">loans and other receivables. Financial assets are assigned to the different categories </div>\n<div class=\"t sc_86\" id=\"tp_86\" style=\"left:74px;bottom:542px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">by management on initial recognition, depending on the purpose for which they </div>\n<div class=\"t sc_86\" id=\"tq_86\" style=\"left:74px;bottom:522px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">were acquired. </div>\n<div class=\"t sc_86\" id=\"tr_86\" style=\"left:74px;bottom:490px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">A financial asset is measured at amortised cost if it is both: held within a business model </div>\n<div class=\"t sc_86\" id=\"ts_86\" style=\"left:74px;bottom:472px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">whose objective is to hold assets to collect contractual cash flows; and its contractual </div>\n<div class=\"t sc_86\" id=\"tt_86\" style=\"left:74px;bottom:454px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">terms give rise to cash flows that are solely payments of principal and interest on the </div>\n<div class=\"t sc_86\" id=\"tu_86\" style=\"left:74px;bottom:435px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">amount outstanding. For the purposes of this assessment, \u201cprincipal\u201d is defined as </div>\n<div class=\"t sc_86\" id=\"tv_86\" style=\"left:74px;bottom:417px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">the fair value of the financial asset on initial recognition, and \u201cinterest\u201d is defined as </div>\n<div class=\"t sc_86\" id=\"tw_86\" style=\"left:74px;bottom:399px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">consideration for the time value of money and for the credit risk associated with the </div>\n<div class=\"t sc_86\" id=\"tx_86\" style=\"left:74px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">principal amount outstanding. In assessing whether the contractual cash flows are </div>\n<div class=\"t sc_86\" id=\"ty_86\" style=\"left:74px;bottom:362px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">solely payments of principal and interest, the Group considers the contractual terms </div>\n<div class=\"t sc_86\" id=\"tz_86\" style=\"left:74px;bottom:344px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">of the instrument, including any terms which may affect the timing or amount of </div>\n<div class=\"t sc_86\" id=\"t10_86\" style=\"left:74px;bottom:325px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">contractual cash flows. </div>\n<div class=\"t sc_86\" id=\"t11_86\" style=\"left:74px;bottom:294px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Loans and receivables are non-derivative financial assets with fixed or determinable </div>\n<div class=\"t sc_86\" id=\"t12_86\" style=\"left:74px;bottom:276px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">payments that are not quoted in an active market. Loans and receivables are measured </div>\n<div class=\"t sc_86\" id=\"t13_86\" style=\"left:74px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsequent to initial recognition at amortised cost using the effective interest method, </div>\n<div class=\"t sc_86\" id=\"t14_86\" style=\"left:74px;bottom:239px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">less provision for impairment. Any change in their value through impairment or reversal </div>\n<div class=\"t sc_86\" id=\"t15_86\" style=\"left:74px;bottom:221px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">of impairment is recognised in the income statement. </div>\n<div class=\"t sc_86\" id=\"t16_86\" style=\"left:74px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Fixed interest rate bank deposits with a maturity date of three months or more from </div>\n<div class=\"t sc_86\" id=\"t17_86\" style=\"left:74px;bottom:171px;letter-spacing:-0.03px;display:inline;\">the date of acquisition are classified as financial assets. </div>\n<div class=\"t sc_86\" id=\"t18_86\" style=\"left:74px;bottom:140px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">Equity investments are financial assets categorised as at fair value through profit and </div>\n<div class=\"t sc_86\" id=\"t19_86\" style=\"left:74px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">loss and are initially recognised at fair value on the date acquired and are subsequently </div>\n<div class=\"t sc_86\" id=\"t1a_86\" style=\"left:74px;bottom:103px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">re-measured at their fair value. Changes in the fair value of equity investments are </div>\n<div class=\"t sc_86\" id=\"t1b_86\" style=\"left:74px;bottom:85px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">recognised in profit or loss. </div>\n<div class=\"t sc_86\" id=\"t1c_86\" style=\"left:621px;bottom:768px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">In assessing impairment requirements on financial assets, the Group considers the rate of </div>\n<div class=\"t sc_86\" id=\"t1d_86\" style=\"left:621px;bottom:749px;letter-spacing:-0.28px;word-spacing:-0.02px;display:inline;\">historic losses on similar assets in conjunction with expected future losses and credit losses </div>\n<div class=\"t sc_86\" id=\"t1e_86\" style=\"left:621px;bottom:731px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">as a result of potential defaults. This will, as mandated by IFRS 9, continue to be reassessed </div>\n<div class=\"t sc_86\" id=\"t1f_86\" style=\"left:621px;bottom:713px;letter-spacing:-0.16px;word-spacing:-0.06px;display:inline;\">as and when further information becomes available or when conditions\u00a0change. </div>\n<div class=\"t sc_86\" id=\"t1g_86\" style=\"left:621px;bottom:681px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">A financial asset is de-recognised only where the contractual rights to the cash flows </div>\n<div class=\"t sc_86\" id=\"t1h_86\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">from the asset expire or the financial asset is transferred, and that transfer qualifies for </div>\n<div class=\"t sc_86\" id=\"t1i_86\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">de-recognition. A financial asset is transferred if the contractual rights to receive the </div>\n<div class=\"t sc_86\" id=\"t1j_86\" style=\"left:621px;bottom:626px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">cash flows of the asset have been transferred or the Group retains the contractual rights </div>\n<div class=\"t sc_86\" id=\"t1k_86\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">to receive the cash flows of the asset but assumes a contractual obligation to pay the </div>\n<div class=\"t sc_86\" id=\"t1l_86\" style=\"left:621px;bottom:590px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">cash flows to one or more recipients. A financial asset that is transferred qualifies for </div>\n<div class=\"t sc_86\" id=\"t1m_86\" style=\"left:621px;bottom:571px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">de-recognition if the Group transfers substantially all the risks and rewards of ownership </div>\n<div class=\"t sc_86\" id=\"t1n_86\" style=\"left:621px;bottom:553px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of the asset, or if the Group neither retains nor transfers substantially all the risks and </div>\n<div class=\"t sc_86\" id=\"t1o_86\" style=\"left:621px;bottom:535px;letter-spacing:-0.06px;display:inline;\">rewards of ownership but does transfer control of that asset. </div> \n<div class=\"t sd_86\" id=\"t1p_86\" style=\"left:621px;bottom:505px;word-spacing:-0.11px;display:inline;\">Impairment of financial assets </div>\n<div class=\"t sc_86\" id=\"t1q_86\" style=\"left:621px;bottom:485px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">The Group assesses on a forward-looking basis, the expected credit losses (ECL) </div>\n<div class=\"t sc_86\" id=\"t1r_86\" style=\"left:621px;bottom:466px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">associated with its debt instrument assets carried at amortised costs. The Group </div>\n<div class=\"t sc_86\" id=\"t1s_86\" style=\"left:621px;bottom:448px;letter-spacing:-0.18px;word-spacing:-0.02px;display:inline;\">calculates the lifetime ECL as a practical expedient for short-term receivables. A loss </div>\n<div class=\"t sc_86\" id=\"t1t_86\" style=\"left:621px;bottom:430px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">allowance is recognised for such losses at each reporting date. The Group measures </div>\n<div class=\"t sc_86\" id=\"t1u_86\" style=\"left:621px;bottom:411px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">ECL on each balance sheet date according to a three stage ECL impairment model: </div>\n<div class=\"t sc_86\" id=\"t1v_86\" style=\"left:621px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Stage 1 \u2013 from initial recognition of the financial asset to the date on which the asset </div>\n<div class=\"t sc_86\" id=\"t1w_86\" style=\"left:621px;bottom:362px;letter-spacing:-0.16px;display:inline;\">has experienced a significant increase in credit risk (SICR) relative to its initial recognition, </div>\n<div class=\"t sc_86\" id=\"t1x_86\" style=\"left:621px;bottom:343px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">a loss allowance is equal to the credit loss expected\u00a0to result from default occurring </div>\n<div class=\"t sc_86\" id=\"t1y_86\" style=\"left:621px;bottom:325px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">over 12 months following the reporting date. </div>\n<div class=\"t sc_86\" id=\"t1z_86\" style=\"left:621px;bottom:294px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Stage 2 \u2013 following a significant increase in credit risk relative to the initial recognition of </div>\n<div class=\"t sc_86\" id=\"t20_86\" style=\"left:621px;bottom:275px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">the financial asset, a loss allowance is recognised equal to the credit losses expected over </div>\n<div class=\"t sc_86\" id=\"t21_86\" style=\"left:621px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the remaining lifetime of the asset. Where an SICR is no longer observed, the instrument </div>\n<div class=\"t sc_86\" id=\"t22_86\" style=\"left:621px;bottom:239px;letter-spacing:-0.05px;display:inline;\">will move back to Stage 1. </div>\n<div class=\"t sc_86\" id=\"t23_86\" style=\"left:621px;bottom:207px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">Stage 3 \u2013 when the financial asset is considered to be credit impaired, a loss allowance </div>\n<div class=\"t sc_86\" id=\"t24_86\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">is recognised equal to the credit losses expected over the remaining life of the asset. </div>\n<div class=\"t sc_86\" id=\"t25_86\" style=\"left:621px;bottom:171px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Interest and revenue is calculated based on the gross carrying amount of the asset, </div>\n<div class=\"t sc_86\" id=\"t26_86\" style=\"left:621px;bottom:152px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">net of the loss allowance. </div><div></div><div class=\"t s1_87\" id=\"t1_87\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_87\" id=\"t2_87\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_87\" id=\"t3_87\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t4_87\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t5_87\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_87\" id=\"t6_87\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_87\" id=\"t7_87\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_87\" id=\"t8_87\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_87\" id=\"t9_87\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_87\" id=\"ti_87\" style=\"left:74px;bottom:703px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The measurement of the ECL reflects an unbiased and probability-weighted amount </div>\n<div class=\"t se_87\" id=\"tj_87\" style=\"left:74px;bottom:685px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">that is determined by evaluating a range of possible outcomes, the time value of money </div>\n<div class=\"t se_87\" id=\"tk_87\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">and reasonable and supportable information that is available without undue cost and </div>\n<div class=\"t se_87\" id=\"tl_87\" style=\"left:74px;bottom:648px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">effort at the reporting date about past events, current conditions and forecasts of </div>\n<div class=\"t se_87\" id=\"tm_87\" style=\"left:74px;bottom:630px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">future economic conditions. </div>\n<div class=\"t se_87\" id=\"tn_87\" style=\"left:74px;bottom:599px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Insurance receivables, which are outside the scope of IFRS 9, are subject to a lapse </div>\n<div class=\"t se_87\" id=\"to_87\" style=\"left:74px;bottom:580px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">provision calculated based on historic loss data. </div>\n<div class=\"t sa_87\" id=\"tp_87\" style=\"left:74px;bottom:550px;letter-spacing:-0.02px;word-spacing:1.94px;display:inline;\">2.12 Financial liabilities </div>\n<div class=\"t se_87\" id=\"tq_87\" style=\"left:74px;bottom:528px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Financial liabilities are classified as measured at amortised cost or fair value through </div>\n<div class=\"t se_87\" id=\"tr_87\" style=\"left:74px;bottom:510px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">profit and loss (FVTPL). A financial liability is classified as at FVTPL if it is classified as </div>\n<div class=\"t se_87\" id=\"ts_87\" style=\"left:74px;bottom:491px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">held-for-trading or it is designated as such on initial recognition. </div>\n<div class=\"t se_87\" id=\"tt_87\" style=\"left:74px;bottom:460px;letter-spacing:-0.03px;display:inline;\">Financial liabilities are subsequently measured at amortised cost using the effective </div>\n<div class=\"t se_87\" id=\"tu_87\" style=\"left:74px;bottom:442px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">interest method, with interest related charges recognised as an expense in finance cost </div>\n<div class=\"t se_87\" id=\"tv_87\" style=\"left:74px;bottom:423px;letter-spacing:-0.15px;display:inline;\">in the income statement. Finance charges, including premiums payable on settlement or </div>\n<div class=\"t se_87\" id=\"tw_87\" style=\"left:74px;bottom:405px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">redemption and direct issue costs, are charged to the income statement on an accruals </div>\n<div class=\"t se_87\" id=\"tx_87\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">basis using the effective interest method and are added to the carrying amount of the </div>\n<div class=\"t se_87\" id=\"ty_87\" style=\"left:74px;bottom:368px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">instrument to the extent that they are not settled in the period in which they arise. </div>\n<div class=\"t se_87\" id=\"tz_87\" style=\"left:74px;bottom:337px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">There are no financial liabilities categorised as at fair value through profit or\u00a0loss. </div>\n<div class=\"t se_87\" id=\"t10_87\" style=\"left:74px;bottom:306px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">A financial liability is de-recognised only when the obligation is extinguished, that is, </div>\n<div class=\"t se_87\" id=\"t11_87\" style=\"left:74px;bottom:287px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">when the obligation is discharged or cancelled or\u00a0expires. </div>\n<div class=\"t sa_87\" id=\"t12_87\" style=\"left:74px;bottom:257px;letter-spacing:-0.02px;word-spacing:0.91px;display:inline;\">2.13 Cash and cash equivalents </div>\n<div class=\"t se_87\" id=\"t13_87\" style=\"left:74px;bottom:235px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">Cash and cash equivalents comprise cash on hand and demand deposits, together with </div>\n<div class=\"t se_87\" id=\"t14_87\" style=\"left:74px;bottom:216px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">other short-term, highly liquid investments that are readily convertible into known </div>\n<div class=\"t se_87\" id=\"t15_87\" style=\"left:74px;bottom:198px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">amounts of cash and which are subject to an insignificant risk of changes in value. </div>\n<div class=\"t se_87\" id=\"t16_87\" style=\"left:74px;bottom:167px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">As stated in Note 2.11 fixed interest rate bank deposits with the maturity date of three </div>\n<div class=\"t se_87\" id=\"t17_87\" style=\"left:74px;bottom:148px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">months or more from the date of acquisition are classified as financial assets. </div>\n<div class=\"t sa_87\" id=\"t18_87\" style=\"left:621px;bottom:767px;letter-spacing:-0.01px;word-spacing:0.9px;display:inline;\">2.14 Investments in subsidiary undertakings </div>\n<div class=\"t se_87\" id=\"t19_87\" style=\"left:621px;bottom:745px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Company investments in subsidiary undertakings and joint ventures held in the Company </div>\n<div class=\"t se_87\" id=\"t1a_87\" style=\"left:621px;bottom:726px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">Balance Sheet are shown at cost less impairment provisions. </div>\n<div class=\"t se_87\" id=\"t1b_87\" style=\"left:621px;bottom:695px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Impairment testing is completed on an annual basis or as and when an indicator for </div>\n<div class=\"t se_87\" id=\"t1c_87\" style=\"left:621px;bottom:677px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">impairment under IAS 36 arises. </div>\n<div class=\"t sa_87\" id=\"t1d_87\" style=\"left:621px;bottom:646px;letter-spacing:-0.06px;word-spacing:3.99px;display:inline;\">2.15 Equity </div>\n<div class=\"t se_87\" id=\"t1e_87\" style=\"left:621px;bottom:624px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">Equity comprises the following: </div>\n<div class=\"t sf_87\" id=\"t1f_87\" style=\"left:621px;bottom:593px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1g_87\" style=\"left:634px;bottom:593px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">\u201cShare capital\u201d represents the nominal value of equity shares. </div>\n<div class=\"t sf_87\" id=\"t1h_87\" style=\"left:621px;bottom:570px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1i_87\" style=\"left:634px;bottom:570px;letter-spacing:-0.04px;display:inline;\">\u201cShare premium account\u201d represents the amount paid on issue for equity shares in </div>\n<div class=\"t se_87\" id=\"t1j_87\" style=\"left:634px;bottom:552px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">excess of their nominal value. </div>\n<div class=\"t sf_87\" id=\"t1k_87\" style=\"left:621px;bottom:529px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1l_87\" style=\"left:634px;bottom:529px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">\u201cCapital redemption reserve\u201d represents the nominal value of its own equity shares </div>\n<div class=\"t se_87\" id=\"t1m_87\" style=\"left:634px;bottom:511px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">purchased, and then cancelled, by the Company. </div>\n<div class=\"t sf_87\" id=\"t1n_87\" style=\"left:621px;bottom:488px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1o_87\" style=\"left:634px;bottom:488px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">\u201cShare based payments reserve\u201d represents the equity value of the accumulated share </div>\n<div class=\"t se_87\" id=\"t1p_87\" style=\"left:634px;bottom:470px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">based payments expenses in LTIP 2021. </div>\n<div class=\"t sf_87\" id=\"t1q_87\" style=\"left:621px;bottom:447px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1r_87\" style=\"left:634px;bottom:447px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">\u201cOther reserve\u201d represents the investment in own Company shares by the Employee </div>\n<div class=\"t se_87\" id=\"t1s_87\" style=\"left:634px;bottom:429px;letter-spacing:-0.06px;word-spacing:-0.27px;display:inline;\">Benefit Trust. </div>\n<div class=\"t sf_87\" id=\"t1t_87\" style=\"left:621px;bottom:406px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1u_87\" style=\"left:634px;bottom:406px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">\u201cProfit and loss reserve\u201d represents retained profits. </div>\n<div class=\"t sa_87\" id=\"t1v_87\" style=\"left:621px;bottom:376px;letter-spacing:-0.04px;word-spacing:1.94px;display:inline;\">2.16 Employee benefits </div>\n<div class=\"t se_87\" id=\"t1w_87\" style=\"left:621px;bottom:354px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">Defined contribution group and self-invested personal pension schemes. </div>\n<div class=\"t se_87\" id=\"t1x_87\" style=\"left:621px;bottom:322px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">The pension costs charged against profits are the contributions payable to the schemes </div>\n<div class=\"t se_87\" id=\"t1y_87\" style=\"left:621px;bottom:304px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">in respect of the accounting period. </div>\n<div class=\"t sa_87\" id=\"t1z_87\" style=\"left:621px;bottom:274px;letter-spacing:-0.03px;word-spacing:1.93px;display:inline;\">2.17 Share-based payment </div>\n<div class=\"t sc_87\" id=\"t20_87\" style=\"left:621px;bottom:253px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Equity-settled share-based payment </div>\n<div class=\"t se_87\" id=\"t21_87\" style=\"left:621px;bottom:233px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">All goods and services received in exchange for the grant of any share-based payment </div>\n<div class=\"t se_87\" id=\"t22_87\" style=\"left:621px;bottom:214px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">are measured at their fair values. Where employees are rewarded using share-based </div>\n<div class=\"t se_87\" id=\"t23_87\" style=\"left:621px;bottom:196px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">payments, the fair values of employees\u2019 services are determined indirectly by reference </div>\n<div class=\"t se_87\" id=\"t24_87\" style=\"left:621px;bottom:178px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">to the fair value of the instrument as at the date it is granted to the employee. </div>\n<div class=\"t se_87\" id=\"t25_87\" style=\"left:621px;bottom:146px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">All equity-settled share-based payments are ultimately recognised as an expense in the </div>\n<div class=\"t se_87\" id=\"t26_87\" style=\"left:621px;bottom:128px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">income statement with a corresponding credit to \u201cprofit and loss reserve\u201d. </div><div></div><div class=\"t s1_88\" id=\"t1_88\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_88\" id=\"t2_88\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_88\" id=\"t3_88\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_88\" id=\"t4_88\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_88\" id=\"t5_88\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_88\" id=\"t6_88\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_88\" id=\"t7_88\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_88\" id=\"t8_88\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_88\" id=\"t9_88\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_88\" id=\"ti_88\" style=\"left:74px;bottom:703px;letter-spacing:-0.17px;word-spacing:-0.04px;display:inline;\">If vesting periods or other non-market vesting conditions apply, the expense is allocated </div>\n<div class=\"t se_88\" id=\"tj_88\" style=\"left:74px;bottom:685px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">over the vesting period, based on the best available estimate of the number of share </div>\n<div class=\"t se_88\" id=\"tk_88\" style=\"left:74px;bottom:667px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">options expected to vest. Estimates are subsequently revised if there is any indication </div>\n<div class=\"t se_88\" id=\"tl_88\" style=\"left:74px;bottom:648px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the number of share options expected to vest differs from previous estimates. </div>\n<div class=\"t se_88\" id=\"tm_88\" style=\"left:74px;bottom:630px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">Any cumulative adjustment prior to vesting is recognised in the current period. </div>\n<div class=\"t se_88\" id=\"tn_88\" style=\"left:74px;bottom:612px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">No adjustment is made to any expense recognised in prior periods if share options </div>\n<div class=\"t se_88\" id=\"to_88\" style=\"left:74px;bottom:593px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">ultimately exercised are different to that estimated on vesting. </div>\n<div class=\"t se_88\" id=\"tp_88\" style=\"left:74px;bottom:562px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Upon exercise of share options, the proceeds received net of attributable transaction </div>\n<div class=\"t se_88\" id=\"tq_88\" style=\"left:74px;bottom:544px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">costs are credited to share capital, and where appropriate share premium. </div>\n<div class=\"t sa_88\" id=\"tr_88\" style=\"left:74px;bottom:514px;letter-spacing:-0.03px;word-spacing:1.26px;display:inline;\">2.18 Employee benefit trust </div>\n<div class=\"t se_88\" id=\"ts_88\" style=\"left:74px;bottom:491px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">The assets and liabilities of the Employee Benefit Trust (EBT) have been included in the </div>\n<div class=\"t se_88\" id=\"tt_88\" style=\"left:74px;bottom:473px;letter-spacing:-0.18px;word-spacing:-0.03px;display:inline;\">Group accounts. Any assets held by the EBT cease to be recognised on the Group balance </div>\n<div class=\"t se_88\" id=\"tu_88\" style=\"left:74px;bottom:455px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">sheet when the assets vest unconditionally in identified beneficiaries. </div>\n<div class=\"t se_88\" id=\"tv_88\" style=\"left:74px;bottom:423px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">The costs of purchasing own shares held by the EBT are shown as a deduction against </div>\n<div class=\"t se_88\" id=\"tw_88\" style=\"left:74px;bottom:405px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">equity. The proceeds from the sale of own shares held increase equity. Neither the </div>\n<div class=\"t se_88\" id=\"tx_88\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;display:inline;\">purchase nor sale of own shares leads to a gain or loss being recognised in the Group </div>\n<div class=\"t se_88\" id=\"ty_88\" style=\"left:74px;bottom:367px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">income statement. </div>\n<div class=\"t se_88\" id=\"tz_88\" style=\"left:74px;bottom:335px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">At present the Company operates a plan whereby all employees are entitled to make </div>\n<div class=\"t se_88\" id=\"t10_88\" style=\"left:74px;bottom:317px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">monthly payments to the trust via payroll deductions. The current allocation period is </div>\n<div class=\"t se_88\" id=\"t11_88\" style=\"left:74px;bottom:299px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">six\u00a0months and shares are allocated to employees at the end of each allocation period. </div>\n<div class=\"t se_88\" id=\"t12_88\" style=\"left:74px;bottom:280px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">The shares are allocated at the lower of the mid-market price at the beginning and </div>\n<div class=\"t se_88\" id=\"t13_88\" style=\"left:74px;bottom:262px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">end of the allocation period. The trust Company has not waived its right to dividends </div>\n<div class=\"t se_88\" id=\"t14_88\" style=\"left:74px;bottom:244px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">on unallocated shares. Any profit or loss on allocation of shares to individuals is taken </div>\n<div class=\"t se_88\" id=\"t15_88\" style=\"left:74px;bottom:225px;letter-spacing:-0.07px;word-spacing:-0.07px;display:inline;\">directly to the \u201cother reserve\u201d within equity. </div>\n<div class=\"t sa_88\" id=\"t16_88\" style=\"left:74px;bottom:195px;letter-spacing:-0.02px;word-spacing:0.48px;display:inline;\">2.19 Shares held in an employee benefit trust </div>\n<div class=\"t se_88\" id=\"t17_88\" style=\"left:74px;bottom:173px;letter-spacing:-0.06px;word-spacing:-0.02px;display:inline;\">Transactions of the Company sponsored EBT are treated as being those of the Company </div>\n<div class=\"t se_88\" id=\"t18_88\" style=\"left:74px;bottom:155px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">and are therefore, reflected in these financial statements. </div>\n<div class=\"t sa_88\" id=\"t19_88\" style=\"left:621px;bottom:767px;word-spacing:3.93px;display:inline;\">2.20 Inventories </div>\n<div class=\"t se_88\" id=\"t1a_88\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Inventories are valued at the lower of cost and net realisable value after making due </div>\n<div class=\"t se_88\" id=\"t1b_88\" style=\"left:621px;bottom:726px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">allowance for obsolete and slow-moving items. Cost includes all direct costs and an </div>\n<div class=\"t se_88\" id=\"t1c_88\" style=\"left:621px;bottom:708px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">appropriate proportion of fixed and variable overheads. </div>\n<div class=\"t sa_88\" id=\"t1d_88\" style=\"left:621px;bottom:678px;letter-spacing:0.03px;word-spacing:3.9px;display:inline;\">2.21 Provisions </div>\n<div class=\"t se_88\" id=\"t1e_88\" style=\"left:621px;bottom:655px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">A provision is recognised in the balance sheet when the Group has a present legal, </div>\n<div class=\"t se_88\" id=\"t1f_88\" style=\"left:621px;bottom:637px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">or constructive, obligation as a result of a past event, that can be reliably measured, </div>\n<div class=\"t se_88\" id=\"t1g_88\" style=\"left:621px;bottom:619px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">and it is probable that an outflow of economic benefits will be required to settle the </div>\n<div class=\"t se_88\" id=\"t1h_88\" style=\"left:621px;bottom:600px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">obligation. Provisions are determined by discounting the expected future cash flows </div>\n<div class=\"t se_88\" id=\"t1i_88\" style=\"left:621px;bottom:582px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">at a pre-tax rate that reflects risks specific to the liability. </div>\n<div class=\"t sa_88\" id=\"t1j_88\" style=\"left:621px;bottom:552px;word-spacing:1.24px;display:inline;\">2.22 Agent vs Principal </div>\n<div class=\"t se_88\" id=\"t1k_88\" style=\"left:621px;bottom:530px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">The sale of discounted vouchers, be it physical or electronic, represents the majority of </div>\n<div class=\"t se_88\" id=\"t1l_88\" style=\"left:621px;bottom:511px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">SaaS revenue for the Group. The Group has a mixture of relationships with retailers and </div>\n<div class=\"t se_88\" id=\"t1m_88\" style=\"left:621px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">third-party suppliers, depending on the offering. Some offerings require purchasing </div>\n<div class=\"t se_88\" id=\"t1n_88\" style=\"left:621px;bottom:475px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">inventory in advance while others require the maintaining of cash floats with suppliers </div>\n<div class=\"t se_88\" id=\"t1o_88\" style=\"left:621px;bottom:456px;letter-spacing:-0.05px;display:inline;\">and others require the settlement of supplier invoices as they are received. </div>\n<div class=\"t se_88\" id=\"t1p_88\" style=\"left:621px;bottom:425px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">Depending on the contractual relationship and the nature of the transactions with the </div>\n<div class=\"t se_88\" id=\"t1q_88\" style=\"left:621px;bottom:407px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">relevant suppliers, the Group has made a judgement on whether the offerings constitute </div>\n<div class=\"t se_88\" id=\"t1r_88\" style=\"left:621px;bottom:388px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">agency or principal transactions. This judgement is significant in nature as it has a </div>\n<div class=\"t se_88\" id=\"t1s_88\" style=\"left:621px;bottom:370px;letter-spacing:-0.04px;display:inline;\">material impact on the revenue and cost of sales of the Group. </div>\n<div class=\"t se_88\" id=\"t1t_88\" style=\"left:621px;bottom:339px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">In the majority of circumstances, the Group, either physically or via its IT systems, takes </div>\n<div class=\"t se_88\" id=\"t1u_88\" style=\"left:621px;bottom:320px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">possession and ownership of the vouchers, has control over their use and resale price </div>\n<div class=\"t se_88\" id=\"t1v_88\" style=\"left:621px;bottom:302px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">and, as a result, these transactions are deemed to be principal in nature. In such cases, </div>\n<div class=\"t se_88\" id=\"t1w_88\" style=\"left:621px;bottom:284px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">the sale of vouchers, and their relevant cost of sales, are presented gross in the income </div>\n<div class=\"t se_88\" id=\"t1x_88\" style=\"left:621px;bottom:265px;letter-spacing:-0.08px;word-spacing:-0.16px;display:inline;\">statement for the year. </div>\n<div class=\"t se_88\" id=\"t1y_88\" style=\"left:621px;bottom:234px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Where a contractual relationship exists with the supplier that classifies the relationship </div>\n<div class=\"t se_88\" id=\"t1z_88\" style=\"left:621px;bottom:216px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">as that of an agency, this is deemed to supersede the factors discussed above. As a </div>\n<div class=\"t se_88\" id=\"t20_88\" style=\"left:621px;bottom:197px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">result, the voucher sale and their relevant cost of sales have been presented net as </div>\nagency income in the income statement for the period. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9717": {
   "value": "2.1 Basis of preparation <div class=\"t s8_81\" id=\"t1h_81\" style=\"left:621px;bottom:574px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">The functional and presentational currency of the Group is Sterling. These statements </div>\n<div class=\"t s8_81\" id=\"t1i_81\" style=\"left:621px;bottom:556px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">and the prior year comparatives have been presented to the nearest thousand, unless </div>\n<div class=\"t s8_81\" id=\"t1j_81\" style=\"left:621px;bottom:537px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">otherwise stated. </div>\n<div class=\"t s8_81\" id=\"t1k_81\" style=\"left:621px;bottom:506px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">In preparing these consolidated financial statements, management has made judgements, </div>\n<div class=\"t s8_81\" id=\"t1l_81\" style=\"left:621px;bottom:488px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">estimates and assumptions that affect the application\u00a0of the Group\u2019s accounting policies </div>\n<div class=\"t s8_81\" id=\"t1m_81\" style=\"left:621px;bottom:469px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">and the reported amount of assets, liabilities, income and expenses. Actual results may </div>\n<div class=\"t s8_81\" id=\"t1n_81\" style=\"left:621px;bottom:451px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">differ from these estimates. </div>\n<div class=\"t s8_81\" id=\"t1o_81\" style=\"left:621px;bottom:420px;letter-spacing:-0.03px;display:inline;\">Estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to </div>\n<div class=\"t s8_81\" id=\"t1p_81\" style=\"left:621px;bottom:401px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">estimates are recognised prospectively. </div>\n<div class=\"t sb_81\" id=\"t1q_81\" style=\"left:621px;bottom:371px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">Climate Risk </div>\n<div class=\"t s8_81\" id=\"t1r_81\" style=\"left:621px;bottom:351px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">In preparing these financial statements the Directors have considered the impact of </div>\n<div class=\"t s8_81\" id=\"t1s_81\" style=\"left:621px;bottom:333px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">the physical and transition risks of climate change, but have concluded that it does </div>\n<div class=\"t s8_81\" id=\"t1t_81\" style=\"left:621px;bottom:314px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">not have a material impact on the recognition and measurement of the assets and </div>\n<div class=\"t s8_81\" id=\"t1u_81\" style=\"left:621px;bottom:296px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">liabilities in these financial statements as at 31 December 2022. This is because the </div>\n<div class=\"t s8_81\" id=\"t1v_81\" style=\"left:621px;bottom:278px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">assets are reported at fair value under UK endorsed IFRS. Market prices will include the </div>\n<div class=\"t s8_81\" id=\"t1w_81\" style=\"left:621px;bottom:259px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">current expectations of the impact of climate change on these investments. Insurance </div>\n<div class=\"t s8_81\" id=\"t1x_81\" style=\"left:621px;bottom:241px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">liabilities are accrued based on past insurable events so will not be impacted by any </div>\n<div class=\"t s8_81\" id=\"t1y_81\" style=\"left:621px;bottom:223px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">future impact of climate change. However, we recognise that government and societal </div>\n<div class=\"t s8_81\" id=\"t1z_81\" style=\"left:621px;bottom:204px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">responses to climate change risks are still developing and the future impact cannot be </div>\n<div class=\"t s8_81\" id=\"t20_81\" style=\"left:621px;bottom:186px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">predicted. Future valuations of assets may therefore differ as the market responds to </div>\n<div class=\"t s8_81\" id=\"t21_81\" style=\"left:621px;bottom:168px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">these changing impacts or assesses the impact of current requirements differently and </div>\n<div class=\"t s8_81\" id=\"t22_81\" style=\"left:621px;bottom:149px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">the frequency/magnitude of future insurable events linked to the effect of climate risks </div>\n<div class=\"t s8_81\" id=\"t23_81\" style=\"left:621px;bottom:131px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">could change. </div><div></div><div class=\"t s1_82\" id=\"t1_82\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_82\" id=\"t2_82\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_82\" id=\"t3_82\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_82\" id=\"t4_82\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_82\" id=\"t5_82\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_82\" id=\"t6_82\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_82\" id=\"t7_82\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_82\" id=\"t8_82\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_82\" id=\"t9_82\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_82\" id=\"tg_82\" style=\"left:74px;bottom:724px;letter-spacing:-0.01px;display:inline;\">Judgements </div>\n<div class=\"t sd_82\" id=\"th_82\" style=\"left:74px;bottom:703px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Information about judgements made in applying accounting policies that have the most </div>\n<div class=\"t sd_82\" id=\"ti_82\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">significant effects on the amounts recognised in the consolidated financial statements </div>\n<div class=\"t sd_82\" id=\"tj_82\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tk_82\" style=\"left:74px;bottom:635px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tl_82\" style=\"left:87px;bottom:635px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Agent vs principal (Note 2.22) \u2013 whether the sale of discounted vouchers should be </div>\n<div class=\"t sd_82\" id=\"tm_82\" style=\"left:87px;bottom:617px;letter-spacing:-0.04px;display:inline;\">treated as a principal or agency transaction. </div>\n<div class=\"t sc_82\" id=\"tn_82\" style=\"left:74px;bottom:587px;word-spacing:-0.12px;display:inline;\">Assumptions and estimation uncertainties </div>\n<div class=\"t sd_82\" id=\"to_82\" style=\"left:74px;bottom:567px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Information about assumptions and estimation uncertainties that have a significant risk of </div>\n<div class=\"t sd_82\" id=\"tp_82\" style=\"left:74px;bottom:548px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">resulting in a material adjustment to the carrying amounts of assets and liabilities within </div>\n<div class=\"t sd_82\" id=\"tq_82\" style=\"left:74px;bottom:530px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the year ending 31 December 2022 is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tr_82\" style=\"left:74px;bottom:499px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"ts_82\" style=\"left:87px;bottom:499px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Goodwill valuation (Note 14) \u2013 key assumptions underlying recoverable amounts. </div>\n<div class=\"t se_82\" id=\"tt_82\" style=\"left:74px;bottom:476px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tu_82\" style=\"left:87px;bottom:476px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Establishing the value of claims outstanding (Note 25) \u2013 key assumptions regarding </div>\n<div class=\"t sd_82\" id=\"tv_82\" style=\"left:87px;bottom:458px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">the provisions for claims. </div>\n<div class=\"t sc_82\" id=\"tw_82\" style=\"left:74px;bottom:428px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Going concern </div>\n<div class=\"t sd_82\" id=\"tx_82\" style=\"left:74px;bottom:407px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">The financial statements are prepared on a going concern basis. In considering </div>\n<div class=\"t sd_82\" id=\"ty_82\" style=\"left:74px;bottom:389px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">going concern, the Directors have reviewed the Group\u2019s and Company\u2019s future cash </div>\n<div class=\"t sd_82\" id=\"tz_82\" style=\"left:74px;bottom:371px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">requirements, earnings projections and capital projections over the next 12 months </div>\n<div class=\"t sd_82\" id=\"t10_82\" style=\"left:74px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ending 27 March 2024. The Directors believe that projections have been prepared on </div>\n<div class=\"t sd_82\" id=\"t11_82\" style=\"left:74px;bottom:334px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">a prudent basis and have also considered the impact of a range of potential\u00a0changes </div>\n<div class=\"t sd_82\" id=\"t12_82\" style=\"left:74px;bottom:316px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">to trading performance over the next 12 months ending 27 March 2024, including the </div>\n<div class=\"t sd_82\" id=\"t13_82\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">impacts of climate risk discussed above. </div>\n<div class=\"t sd_82\" id=\"t14_82\" style=\"left:74px;bottom:266px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Having prepared and considered these stress scenarios the Directors have concluded </div>\n<div class=\"t sd_82\" id=\"t15_82\" style=\"left:74px;bottom:248px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the Group and Company will be able to operate without requiring any external </div>\n<div class=\"t sd_82\" id=\"t16_82\" style=\"left:74px;bottom:229px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">funding and therefore believe it is appropriate to prepare the financial statements </div>\n<div class=\"t sd_82\" id=\"t17_82\" style=\"left:74px;bottom:211px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">of the Group and Company on a going concern basis. This is supported by the Group\u2019s, </div>\nand Company\u2019s, liquidity position at the year end. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9720": {
   "value": "The functional and presentational currency of the Group is Sterling. These statements <div class=\"t s8_81\" id=\"t1i_81\" style=\"left:621px;bottom:556px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">and the prior year comparatives have been presented to the nearest thousand, unless </div>\notherwise stated.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9792": {
   "value": "Judgements <div class=\"t sd_82\" id=\"th_82\" style=\"left:74px;bottom:703px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Information about judgements made in applying accounting policies that have the most </div>\n<div class=\"t sd_82\" id=\"ti_82\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">significant effects on the amounts recognised in the consolidated financial statements </div>\n<div class=\"t sd_82\" id=\"tj_82\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tk_82\" style=\"left:74px;bottom:635px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tl_82\" style=\"left:87px;bottom:635px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Agent vs principal (Note 2.22) \u2013 whether the sale of discounted vouchers should be </div>\n<div class=\"t sd_82\" id=\"tm_82\" style=\"left:87px;bottom:617px;letter-spacing:-0.04px;display:inline;\">treated as a principal or agency transaction. </div>\n<div class=\"t sc_82\" id=\"tn_82\" style=\"left:74px;bottom:587px;word-spacing:-0.12px;display:inline;\">Assumptions and estimation uncertainties </div>\n<div class=\"t sd_82\" id=\"to_82\" style=\"left:74px;bottom:567px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Information about assumptions and estimation uncertainties that have a significant risk of </div>\n<div class=\"t sd_82\" id=\"tp_82\" style=\"left:74px;bottom:548px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">resulting in a material adjustment to the carrying amounts of assets and liabilities within </div>\n<div class=\"t sd_82\" id=\"tq_82\" style=\"left:74px;bottom:530px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the year ending 31 December 2022 is included in the following notes: </div>\n<div class=\"t se_82\" id=\"tr_82\" style=\"left:74px;bottom:499px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"ts_82\" style=\"left:87px;bottom:499px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Goodwill valuation (Note 14) \u2013 key assumptions underlying recoverable amounts. </div>\n<div class=\"t se_82\" id=\"tt_82\" style=\"left:74px;bottom:476px;display:inline;\">&gt; </div><div class=\"t sd_82\" id=\"tu_82\" style=\"left:87px;bottom:476px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Establishing the value of claims outstanding (Note 25) \u2013 key assumptions regarding </div>\nthe provisions for claims.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9811": {
   "value": "Going concern <div class=\"t sd_82\" id=\"tx_82\" style=\"left:74px;bottom:407px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">The financial statements are prepared on a going concern basis. In considering </div>\n<div class=\"t sd_82\" id=\"ty_82\" style=\"left:74px;bottom:389px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">going concern, the Directors have reviewed the Group\u2019s and Company\u2019s future cash </div>\n<div class=\"t sd_82\" id=\"tz_82\" style=\"left:74px;bottom:371px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">requirements, earnings projections and capital projections over the next 12 months </div>\n<div class=\"t sd_82\" id=\"t10_82\" style=\"left:74px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ending 27 March 2024. The Directors believe that projections have been prepared on </div>\n<div class=\"t sd_82\" id=\"t11_82\" style=\"left:74px;bottom:334px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">a prudent basis and have also considered the impact of a range of potential\u00a0changes </div>\n<div class=\"t sd_82\" id=\"t12_82\" style=\"left:74px;bottom:316px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">to trading performance over the next 12 months ending 27 March 2024, including the </div>\n<div class=\"t sd_82\" id=\"t13_82\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">impacts of climate risk discussed above. </div>\n<div class=\"t sd_82\" id=\"t14_82\" style=\"left:74px;bottom:266px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Having prepared and considered these stress scenarios the Directors have concluded </div>\n<div class=\"t sd_82\" id=\"t15_82\" style=\"left:74px;bottom:248px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the Group and Company will be able to operate without requiring any external </div>\n<div class=\"t sd_82\" id=\"t16_82\" style=\"left:74px;bottom:229px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">funding and therefore believe it is appropriate to prepare the financial statements </div>\n<div class=\"t sd_82\" id=\"t17_82\" style=\"left:74px;bottom:211px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">of the Group and Company on a going concern basis. This is supported by the Group\u2019s, </div>and Company\u2019s, liquidity position at the year end.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9828": {
   "value": "2.2 Basis of consolidation <div class=\"t sc_82\" id=\"t1a_82\" style=\"left:621px;bottom:746px;letter-spacing:0.01px;display:inline;\">Subsidiaries </div>\n<div class=\"t sd_82\" id=\"t1b_82\" style=\"left:621px;bottom:726px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">Subsidiaries are entities controlled by the Group. The Group controls an entity when it </div>\n<div class=\"t sd_82\" id=\"t1c_82\" style=\"left:621px;bottom:707px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">is exposed to, or has rights to, variable returns from its involvement with the entity and </div>\n<div class=\"t sd_82\" id=\"t1d_82\" style=\"left:621px;bottom:689px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">has the ability to affect those returns through its power over the entity. In assessing </div>\n<div class=\"t sd_82\" id=\"t1e_82\" style=\"left:621px;bottom:671px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">control, the Group takes into consideration potential voting rights that are currently </div>\n<div class=\"t sd_82\" id=\"t1f_82\" style=\"left:621px;bottom:652px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">exercisable. The acquisition date is the date on which control is transferred to the </div>\n<div class=\"t sd_82\" id=\"t1g_82\" style=\"left:621px;bottom:634px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">acquirer. The financial statements of subsidiaries are included in the consolidated </div>\n<div class=\"t sd_82\" id=\"t1h_82\" style=\"left:621px;bottom:616px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">financial statements from the date that control commences until the date that </div>\n<div class=\"t sd_82\" id=\"t1i_82\" style=\"left:621px;bottom:597px;letter-spacing:-0.07px;word-spacing:0.06px;display:inline;\">control ceases. </div>\n<div class=\"t sc_82\" id=\"t1j_82\" style=\"left:621px;bottom:567px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Transactions eliminated on consolidation </div>\n<div class=\"t sd_82\" id=\"t1k_82\" style=\"left:621px;bottom:547px;letter-spacing:-0.16px;display:inline;\">Intra-Group balances and transactions, and any unrealised income and expenses arising </div>\nfrom these transactions, are eliminated on consolidation.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9844": {
   "value": "2.3 Goodwill and acquired intangibles <div class=\"t sd_82\" id=\"t1n_82\" style=\"left:621px;bottom:476px;letter-spacing:-0.06px;word-spacing:-0.05px;display:inline;\">Goodwill representing the excess of the cost of acquisition over the fair value of the </div>\n<div class=\"t sd_82\" id=\"t1o_82\" style=\"left:621px;bottom:458px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Group\u2019s share of the identifiable net assets acquired, is capitalised and reviewed </div>\n<div class=\"t sd_82\" id=\"t1p_82\" style=\"left:621px;bottom:440px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">annually for impairment. Goodwill is carried at cost less accumulated impairment losses. </div>\n<div class=\"t sd_82\" id=\"t1q_82\" style=\"left:621px;bottom:421px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">Negative goodwill is recognised immediately after acquisition in the income statement. </div>\n<div class=\"t sd_82\" id=\"t1r_82\" style=\"left:621px;bottom:390px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Intangible assets meeting the relevant recognition criteria are initially measured at cost </div>\nand amortised on a systematic basis over their useful lives.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9847": {
   "value": "Goodwill representing the excess of the cost of acquisition over the fair value of the <div class=\"t sd_82\" id=\"t1o_82\" style=\"left:621px;bottom:458px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Group\u2019s share of the identifiable net assets acquired, is capitalised and reviewed </div>\n<div class=\"t sd_82\" id=\"t1p_82\" style=\"left:621px;bottom:440px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">annually for impairment. Goodwill is carried at cost less accumulated impairment losses. </div>\nNegative goodwill is recognised immediately after acquisition in the income statement.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9857": {
   "value": "2.4 Revenue <div class=\"t sd_82\" id=\"t1u_82\" style=\"left:621px;bottom:319px;letter-spacing:-0.06px;word-spacing:-0.03px;display:inline;\">Revenue is measured by reference to the fair value of consideration received or </div>\n<div class=\"t sd_82\" id=\"t1v_82\" style=\"left:621px;bottom:301px;letter-spacing:-0.07px;word-spacing:-0.01px;display:inline;\">receivable by the Group for goods supplied and services provided, excluding VAT, </div>\n<div class=\"t sd_82\" id=\"t1w_82\" style=\"left:621px;bottom:282px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">IPT and trade discounts. </div>\n<div class=\"t sd_82\" id=\"t1x_82\" style=\"left:621px;bottom:251px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Whilst IFRS 15 considerations have been noted for the most significant revenue streams to </div>\n<div class=\"t sd_82\" id=\"t1y_82\" style=\"left:621px;bottom:233px;letter-spacing:-0.03px;display:inline;\">which it is applicable, the insurance premium revenue stream is out of scope for IFRS\u00a015. </div><div></div><div class=\"t s1_83\" id=\"t1_83\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_83\" id=\"t2_83\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_83\" id=\"t3_83\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_83\" id=\"t4_83\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_83\" id=\"t5_83\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_83\" id=\"t6_83\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_83\" id=\"t7_83\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_83\" id=\"t8_83\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_83\" id=\"t9_83\" style=\"left:1107px;bottom:878px;letter-spacing:-0.25px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_83\" id=\"tg_83\" style=\"left:74px;bottom:724px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Earned premium </div>\n<div class=\"t sd_83\" id=\"th_83\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">Earned premium is recognised in the period in which the Group is legally bound through </div>\n<div class=\"t sd_83\" id=\"ti_83\" style=\"left:74px;bottom:685px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">a contract to provide insurance cover, which is typically a week or a month in length </div>\n<div class=\"t sd_83\" id=\"tj_83\" style=\"left:74px;bottom:667px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">and renews at the end of each cover period. It represents the earned amount of gross </div>\n<div class=\"t sd_83\" id=\"tk_83\" style=\"left:74px;bottom:648px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">written premiums receivable under the contract. The remainder of gross written </div>\n<div class=\"t sd_83\" id=\"tl_83\" style=\"left:74px;bottom:630px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">premiums are deferred as a provision for unearned premiums until recognised as </div>\n<div class=\"t sd_83\" id=\"tm_83\" style=\"left:74px;bottom:612px;letter-spacing:-0.31px;word-spacing:0.02px;display:inline;\">revenue computed on a monthly or daily pro-rata basis. The unearned premium reserve </div>\n<div class=\"t sd_83\" id=\"tn_83\" style=\"left:74px;bottom:593px;letter-spacing:-0.05px;display:inline;\">is typically small as a large proportion of policies are weekly renewals. </div>\n<div class=\"t sd_83\" id=\"to_83\" style=\"left:74px;bottom:562px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Net earned premiums are stated net of amounts passed to reinsurers. Premiums are </div>\n<div class=\"t sd_83\" id=\"tp_83\" style=\"left:74px;bottom:544px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">shown before deduction of commission and exclude any sales-based taxes or duties. </div>\n<div class=\"t sc_83\" id=\"tq_83\" style=\"left:74px;bottom:514px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Other insurance related </div>\n<div class=\"t sd_83\" id=\"tr_83\" style=\"left:74px;bottom:493px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">Commission receivable on the renewal of previously sold financial services are </div>\n<div class=\"t sd_83\" id=\"ts_83\" style=\"left:74px;bottom:475px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">recognised by the Group as the renewal takes place with the underwriter. </div>\n<div class=\"t sc_83\" id=\"tt_83\" style=\"left:74px;bottom:445px;word-spacing:-0.12px;display:inline;\">Other Owned Benefits \u2013 IT Salary Sacrifice </div>\n<div class=\"t sd_83\" id=\"tu_83\" style=\"left:74px;bottom:425px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Income from the provision of salary sacrifice technology products is recognised when </div>\n<div class=\"t sd_83\" id=\"tv_83\" style=\"left:74px;bottom:405px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the goods are dispatched. </div>\n<div class=\"t se_83\" id=\"tw_83\" style=\"left:78px;bottom:369px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">IFRS 15 \u2013 IT salary sacrifice income (Other Owned Benefits) </div>\n<div class=\"t sf_83\" id=\"tx_83\" style=\"left:78px;bottom:347px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"ty_83\" style=\"left:78px;bottom:330px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"tz_83\" style=\"left:191px;bottom:347px;letter-spacing:0.06px;word-spacing:0.02px;display:inline;\">Provision of IT goods to employer companies. Goods are acquired by </div>\n<div class=\"t sf_83\" id=\"t10_83\" style=\"left:191px;bottom:330px;letter-spacing:0.07px;word-spacing:-0.03px;display:inline;\">the Group from various suppliers and held as inventory until sold to </div>\n<div class=\"t sf_83\" id=\"t11_83\" style=\"left:191px;bottom:312px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">customers at an agreed price. </div>\n<div class=\"t sf_83\" id=\"t12_83\" style=\"left:78px;bottom:290px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t13_83\" style=\"left:191px;bottom:290px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Purchase price varies dependant on product purchased but is </div>\n<div class=\"t sf_83\" id=\"t14_83\" style=\"left:191px;bottom:273px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">clearly indicated. </div>\n<div class=\"t sf_83\" id=\"t15_83\" style=\"left:78px;bottom:250px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t16_83\" style=\"left:191px;bottom:250px;letter-spacing:0.07px;word-spacing:-0.06px;display:inline;\">Prices are allocated by product, volumes and values. </div>\n<div class=\"t sf_83\" id=\"t17_83\" style=\"left:78px;bottom:228px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t18_83\" style=\"left:78px;bottom:211px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t19_83\" style=\"left:191px;bottom:228px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Revenue is recognised on dispatch as Group has met its performance </div>\n<div class=\"t sf_83\" id=\"t1a_83\" style=\"left:191px;bottom:211px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">obligation as per the contracts in place. </div>\n<div class=\"t sc_83\" id=\"t1b_83\" style=\"left:74px;bottom:173px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Platform income </div>\n<div class=\"t sd_83\" id=\"t1c_83\" style=\"left:74px;bottom:153px;letter-spacing:-0.15px;word-spacing:-0.01px;display:inline;\">Platform income, including that derived from Hapi, is recognised on a straight-line basis </div>\n<div class=\"t sd_83\" id=\"t1d_83\" style=\"left:74px;bottom:135px;letter-spacing:-0.06px;word-spacing:-0.04px;display:inline;\">over the length of the contract. </div>\n<div class=\"t sd_83\" id=\"t1e_83\" style=\"left:74px;bottom:103px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Where a proportion of this income and costs, credited or charged in the current year, </div>\n<div class=\"t sd_83\" id=\"t1f_83\" style=\"left:74px;bottom:85px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">relate to the provision of services provided in the following year, they are carried </div>\n<div class=\"t sd_83\" id=\"t1g_83\" style=\"left:74px;bottom:67px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">forward as deferred income or costs, calculated on a daily pro-rata basis. </div>\n<div class=\"t se_83\" id=\"t1h_83\" style=\"left:626px;bottom:761px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">IFRS 15 \u2013 Platform income (Benefits Platform) </div>\n<div class=\"t sf_83\" id=\"t1i_83\" style=\"left:626px;bottom:740px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"t1j_83\" style=\"left:626px;bottom:722px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t1k_83\" style=\"left:738px;bottom:740px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Ongoing access to Hapi platform with each relevant month access </div>\n<div class=\"t sf_83\" id=\"t1l_83\" style=\"left:738px;bottom:722px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">is provided being considered a separate performance obligation. </div>\n<div class=\"t sf_83\" id=\"t1m_83\" style=\"left:626px;bottom:700px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t1n_83\" style=\"left:738px;bottom:700px;letter-spacing:0.07px;word-spacing:0.01px;display:inline;\">Prices are set on a by employee rate and are agreed with each client </div>\n<div class=\"t sf_83\" id=\"t1o_83\" style=\"left:738px;bottom:682px;letter-spacing:0.04px;display:inline;\">individually. </div>\n<div class=\"t sf_83\" id=\"t1p_83\" style=\"left:626px;bottom:660px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t1q_83\" style=\"left:738px;bottom:660px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">Price allocated evenly to each period/performance obligation. </div>\n<div class=\"t sf_83\" id=\"t1r_83\" style=\"left:626px;bottom:638px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t1s_83\" style=\"left:626px;bottom:620px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t1t_83\" style=\"left:738px;bottom:638px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">Recognised straight-line over period of agreement of service as </div>\n<div class=\"t sf_83\" id=\"t1u_83\" style=\"left:738px;bottom:620px;letter-spacing:0.1px;word-spacing:-0.01px;display:inline;\">the performance obligation is deemed to be met each month as </div>\n<div class=\"t sf_83\" id=\"t1v_83\" style=\"left:738px;bottom:603px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">the contract progresses. </div>\n<div class=\"t sd_83\" id=\"t1w_83\" style=\"left:621px;bottom:564px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Voucher income derives from customers ordering retail vouchers through the Hapi </div>\n<div class=\"t sd_83\" id=\"t1x_83\" style=\"left:621px;bottom:546px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">platform. E-vouchers are fulfilled and made available instantly to the customer while, </div>\n<div class=\"t sd_83\" id=\"t1y_83\" style=\"left:621px;bottom:527px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">for reloadable cards, customers receive these several working days after placing the </div>\n<div class=\"t sd_83\" id=\"t1z_83\" style=\"left:621px;bottom:509px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">order. Income from the sale of reloadable cards and e-vouchers is recognised as orders </div>\n<div class=\"t sd_83\" id=\"t20_83\" style=\"left:621px;bottom:491px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">are fulfilled by the Group. In the vast majority of these transactions the Group acts as </div>\n<div class=\"t sd_83\" id=\"t21_83\" style=\"left:621px;bottom:472px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">principal. Refer to 2.22 for further details of agent vs principal assessment. </div>\n<div class=\"t se_83\" id=\"t22_83\" style=\"left:626px;bottom:437px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">IFRS 15 \u2013 Voucher resale income </div>\n<div class=\"t sf_83\" id=\"t23_83\" style=\"left:626px;bottom:415px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sf_83\" id=\"t24_83\" style=\"left:626px;bottom:397px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t25_83\" style=\"left:738px;bottom:415px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Provision of voucher to individuals/companies. </div>\n<div class=\"t sf_83\" id=\"t26_83\" style=\"left:626px;bottom:375px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sf_83\" id=\"t27_83\" style=\"left:738px;bottom:375px;letter-spacing:0.08px;display:inline;\">Prices are based on each retailer\u2019s discount on purchase into the Group. </div>\n<div class=\"t sf_83\" id=\"t28_83\" style=\"left:626px;bottom:353px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sf_83\" id=\"t29_83\" style=\"left:738px;bottom:353px;letter-spacing:0.09px;word-spacing:-0.05px;display:inline;\">Whole price allocated to the sole performance obligation. </div>\n<div class=\"t sf_83\" id=\"t2a_83\" style=\"left:626px;bottom:331px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sf_83\" id=\"t2b_83\" style=\"left:626px;bottom:313px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sf_83\" id=\"t2c_83\" style=\"left:738px;bottom:331px;letter-spacing:-0.17px;word-spacing:-0.07px;display:inline;\">Recognised on dispatch of voucher as this is the point at which the Group </div>\n<div class=\"t sf_83\" id=\"t2d_83\" style=\"left:738px;bottom:313px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">has fulfilled its part of the agreed contract. </div>\n<div class=\"t sd_83\" id=\"t2e_83\" style=\"left:621px;bottom:274px;letter-spacing:-0.3px;display:inline;\">The Group receives income from its provision of HR consultancy services to corporate </div>\n<div class=\"t sd_83\" id=\"t2f_83\" style=\"left:621px;bottom:256px;letter-spacing:-0.3px;display:inline;\">clients. Consultancy income is recognised in the profit and loss account at the relevant </div>\n<div class=\"t sd_83\" id=\"t2g_83\" style=\"left:621px;bottom:238px;letter-spacing:-0.28px;word-spacing:-0.03px;display:inline;\">charge out rates of the consultants and based on the chargeable time spent on each </div>\n<div class=\"t sd_83\" id=\"t2h_83\" style=\"left:621px;bottom:219px;letter-spacing:-0.29px;word-spacing:0.02px;display:inline;\">client\u00a0project. </div><div></div><div class=\"t s1_84\" id=\"t1_84\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_84\" id=\"t2_84\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_84\" id=\"t3_84\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_84\" id=\"t4_84\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_84\" id=\"t5_84\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_84\" id=\"t6_84\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_84\" id=\"t7_84\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_84\" id=\"t8_84\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_84\" id=\"t9_84\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_84\" id=\"tg_84\" style=\"left:78px;bottom:718px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">IFRS 15 \u2013 Consultancy income (Pay and Reward) </div>\n<div class=\"t sd_84\" id=\"th_84\" style=\"left:78px;bottom:694px;letter-spacing:0.09px;display:inline;\">Performance </div>\n<div class=\"t sd_84\" id=\"ti_84\" style=\"left:78px;bottom:677px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sd_84\" id=\"tj_84\" style=\"left:191px;bottom:694px;letter-spacing:0.07px;word-spacing:0.01px;display:inline;\">Provision of consultancy services, typically based on an agreed number </div>\n<div class=\"t sd_84\" id=\"tk_84\" style=\"left:191px;bottom:677px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">of consultant hours. </div>\n<div class=\"t sd_84\" id=\"tl_84\" style=\"left:78px;bottom:650px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Transaction Price </div><div class=\"t sd_84\" id=\"tm_84\" style=\"left:191px;bottom:650px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Prices are based on each contractual client agreement, dependant on </div>\n<div class=\"t sd_84\" id=\"tn_84\" style=\"left:191px;bottom:633px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">the level and duration of consultant hours\u00a0spent. </div>\n<div class=\"t sd_84\" id=\"to_84\" style=\"left:78px;bottom:606px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Allocation of Price </div><div class=\"t sd_84\" id=\"tp_84\" style=\"left:191px;bottom:606px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Each chargeable hour will have an agreed price dependant on the level </div>\n<div class=\"t sd_84\" id=\"tq_84\" style=\"left:191px;bottom:589px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">and experience of the consultant. </div>\n<div class=\"t sd_84\" id=\"tr_84\" style=\"left:78px;bottom:562px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Satisfaction of </div>\n<div class=\"t sd_84\" id=\"ts_84\" style=\"left:78px;bottom:545px;letter-spacing:0.1px;display:inline;\">Obligations </div>\n<div class=\"t sd_84\" id=\"tt_84\" style=\"left:191px;bottom:562px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Each consultant hour charged is considered a separate performance </div>\n<div class=\"t sd_84\" id=\"tu_84\" style=\"left:191px;bottom:545px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">obligation and recognition is recorded periodically (typically monthly) </div>\n<div class=\"t sd_84\" id=\"tv_84\" style=\"left:191px;bottom:527px;letter-spacing:0.1px;word-spacing:-0.03px;display:inline;\">based on chargeable hours in that period. </div>\n<div class=\"t se_84\" id=\"tw_84\" style=\"left:74px;bottom:494px;letter-spacing:-0.02px;word-spacing:-0.11px;display:inline;\">Other income </div>\n<div class=\"t sf_84\" id=\"tx_84\" style=\"left:74px;bottom:474px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Property rental income is recognised on a receivable basis when the right to receive </div>\n<div class=\"t sf_84\" id=\"ty_84\" style=\"left:74px;bottom:455px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">consideration has been established. </div>\n<div class=\"t se_84\" id=\"tz_84\" style=\"left:74px;bottom:425px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">Costs incurred to fulfil a contract </div>\n<div class=\"t sf_84\" id=\"t10_84\" style=\"left:74px;bottom:405px;letter-spacing:-0.23px;display:inline;\">Costs incurred to fulfil a contract under IFRS 15 are recognised as an asset under certain </div>\n<div class=\"t sf_84\" id=\"t11_84\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:-0.01px;display:inline;\">conditions laid out in IFRS 15.95. The capitalised contract costs are amortised on a </div>\n<div class=\"t sf_84\" id=\"t12_84\" style=\"left:74px;bottom:368px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">systematic basis that is consistent with the Company\u2019s transfer of the related goods </div>\n<div class=\"t sf_84\" id=\"t13_84\" style=\"left:74px;bottom:350px;letter-spacing:-0.06px;word-spacing:-0.07px;display:inline;\">or services to the customer. </div>\n<div class=\"t sf_84\" id=\"t14_84\" style=\"left:74px;bottom:319px;letter-spacing:-0.41px;word-spacing:-0.02px;display:inline;\">Capitalised contract costs are subject to an impairment assessment at the end of each </div>\n<div class=\"t sf_84\" id=\"t15_84\" style=\"left:74px;bottom:300px;letter-spacing:-0.42px;word-spacing:-0.01px;display:inline;\">reporting period. Impairment losses are recognised in the profit or loss. There are no contracts </div>\n<div class=\"t sf_84\" id=\"t16_84\" style=\"left:74px;bottom:281px;letter-spacing:-0.42px;word-spacing:-0.04px;display:inline;\">in the Group for which these conditions are met and, as such, no assets have been recognised. </div>\n<div class=\"t se_84\" id=\"t17_84\" style=\"left:74px;bottom:250px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Investment income </div>\nInterest income is recognised on an effective interest rate method.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10057": {
   "value": "Investment income Interest income is recognised on an effective interest rate method.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10062": {
   "value": "2.5 Reinsurance <div class=\"t sf_84\" id=\"t1a_84\" style=\"left:74px;bottom:178px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">Outwards reinsurance premiums are accounted for in the same accounting period as the </div>\n<div class=\"t sf_84\" id=\"t1b_84\" style=\"left:74px;bottom:159px;letter-spacing:-0.17px;display:inline;\">premiums for the related direct or inwards business being reinsured. Reinsurers\u2019 share of </div>\n<div class=\"t sf_84\" id=\"t1c_84\" style=\"left:74px;bottom:141px;letter-spacing:-0.03px;display:inline;\">technical reserves is shown as an asset in the balance sheet. </div>\n<div class=\"t sf_84\" id=\"t1d_84\" style=\"left:74px;bottom:110px;letter-spacing:-0.17px;word-spacing:0.02px;display:inline;\">Amounts recoverable under reinsurance contracts are assessed for impairment at each </div>\n<div class=\"t sf_84\" id=\"t1e_84\" style=\"left:74px;bottom:91px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">balance sheet date. If objective evidence of impairment exists reinsurance assets are </div>\n<div class=\"t sf_84\" id=\"t1f_84\" style=\"left:74px;bottom:73px;letter-spacing:-0.18px;word-spacing:-0.05px;display:inline;\">reduced to the level at which they are considered to be recoverable, and an impairment </div>\nloss is recognised in the income statement.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReinsuranceExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10090": {
   "value": "2.7 Property, plant and equipment and intangible assets <div class=\"t sf_84\" id=\"t1z_84\" style=\"left:621px;bottom:365px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Property, plant and equipment and software intangibles are stated at cost, net of </div>\n<div class=\"t sf_84\" id=\"t20_84\" style=\"left:621px;bottom:347px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">depreciation, amortisation and any provision for impairment. No depreciation or </div>\n<div class=\"t sf_84\" id=\"t21_84\" style=\"left:621px;bottom:329px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">amortisation is charged during the period of construction. </div>\n<div class=\"t se_84\" id=\"t22_84\" style=\"left:621px;bottom:298px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Research and development </div>\n<div class=\"t sf_84\" id=\"t23_84\" style=\"left:621px;bottom:278px;letter-spacing:-0.15px;display:inline;\">Expenditure on research activities is recognised in the income statement as an expense </div>\n<div class=\"t sf_84\" id=\"t24_84\" style=\"left:621px;bottom:260px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">as\u00a0incurred. </div>\n<div class=\"t sf_84\" id=\"t25_84\" style=\"left:621px;bottom:229px;letter-spacing:-0.03px;display:inline;\">Expenditure on development activities is capitalised if the product or process is </div>\n<div class=\"t sf_84\" id=\"t26_84\" style=\"left:621px;bottom:210px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">technically and commercially feasible and the Group intends, and has the technical </div>\n<div class=\"t sf_84\" id=\"t27_84\" style=\"left:621px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ability and sufficient resources to, complete development, future economic benefits </div>\n<div class=\"t sf_84\" id=\"t28_84\" style=\"left:621px;bottom:174px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">are probable and if the Group can measure reliably the expenditure attributable to </div>\n<div class=\"t sf_84\" id=\"t29_84\" style=\"left:621px;bottom:155px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">the intangible asset during its development. Development activities involve a plan </div>\n<div class=\"t sf_84\" id=\"t2a_84\" style=\"left:621px;bottom:137px;letter-spacing:-0.06px;word-spacing:0.02px;display:inline;\">or design for the production of new or substantially improved products or processes. </div><div></div><div class=\"t s1_85\" id=\"t1_85\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_85\" id=\"t2_85\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_85\" id=\"t3_85\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t4_85\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t5_85\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_85\" id=\"t6_85\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_85\" id=\"t7_85\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_85\" id=\"t8_85\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_85\" id=\"t9_85\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_85\" id=\"ti_85\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;display:inline;\">The expenditure capitalised includes the cost of materials, external consultancy costs and </div>\n<div class=\"t se_85\" id=\"tj_85\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;display:inline;\">salary costs where a distinct product has been created. Other development expenditure </div>\n<div class=\"t se_85\" id=\"tk_85\" style=\"left:74px;bottom:667px;letter-spacing:-0.15px;display:inline;\">is recognised in the income statement as an expense as incurred. Capitalised development </div>\n<div class=\"t se_85\" id=\"tl_85\" style=\"left:74px;bottom:648px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">expenditure is stated at cost less accumulated amortisation and less accumulated </div>\n<div class=\"t se_85\" id=\"tm_85\" style=\"left:74px;bottom:630px;letter-spacing:-0.14px;word-spacing:0.01px;display:inline;\">impairment losses. </div>\n<div class=\"t sc_85\" id=\"tn_85\" style=\"left:74px;bottom:600px;word-spacing:-0.12px;display:inline;\">Disposal of assets </div>\n<div class=\"t se_85\" id=\"to_85\" style=\"left:74px;bottom:580px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The gain or loss arising on the disposal of an asset is determined as the difference </div>\n<div class=\"t se_85\" id=\"tp_85\" style=\"left:74px;bottom:561px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">between the disposal proceeds and the carrying amount of the asset and is recognised </div>\n<div class=\"t se_85\" id=\"tq_85\" style=\"left:74px;bottom:543px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">in the income statement. </div>\n<div class=\"t sc_85\" id=\"tr_85\" style=\"left:74px;bottom:513px;word-spacing:-0.12px;display:inline;\">Amortisation and depreciation </div>\n<div class=\"t se_85\" id=\"ts_85\" style=\"left:74px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Amortisation and depreciation are calculated to write down the cost or valuation less </div>\n<div class=\"t se_85\" id=\"tt_85\" style=\"left:74px;bottom:474px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">estimated residual value of all intangible assets, and tangible assets other than freehold </div>\n<div class=\"t se_85\" id=\"tu_85\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">land excluding investment properties by equal annual instalments over their estimated </div>\n<div class=\"t se_85\" id=\"tv_85\" style=\"left:74px;bottom:436px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">economic useful lives. </div>\n<div class=\"t se_85\" id=\"tw_85\" style=\"left:74px;bottom:405px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Residual value is reviewed annually and amended if material. The rates generally </div>\n<div class=\"t se_85\" id=\"tx_85\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">applicable are: </div>\n<div class=\"t sf_85\" id=\"ty_85\" style=\"left:78px;bottom:352px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Freehold properties </div><div class=\"t sg_85\" id=\"tz_85\" style=\"left:533px;bottom:352px;letter-spacing:0.25px;word-spacing:-0.14px;display:inline;\">50 years </div>\n<div class=\"t sf_85\" id=\"t10_85\" style=\"left:78px;bottom:329px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sg_85\" id=\"t11_85\" style=\"left:521px;bottom:329px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t12_85\" style=\"left:78px;bottom:307px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Computer equipment </div><div class=\"t sg_85\" id=\"t13_85\" style=\"left:521px;bottom:307px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t14_85\" style=\"left:78px;bottom:285px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Furniture, fixtures and fittings </div><div class=\"t sg_85\" id=\"t15_85\" style=\"left:515px;bottom:285px;letter-spacing:0.16px;word-spacing:-0.07px;display:inline;\">5 \u2013 10 years </div>\n<div class=\"t sf_85\" id=\"t16_85\" style=\"left:78px;bottom:263px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Computer software and development </div><div class=\"t sg_85\" id=\"t17_85\" style=\"left:521px;bottom:263px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t18_85\" style=\"left:78px;bottom:241px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Internally generated intangibles </div><div class=\"t sg_85\" id=\"t19_85\" style=\"left:521px;bottom:241px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1a_85\" style=\"left:78px;bottom:219px;letter-spacing:0.1px;display:inline;\">Intangible assets </div><div class=\"t sg_85\" id=\"t1b_85\" style=\"left:521px;bottom:219px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1c_85\" style=\"left:78px;bottom:196px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Right of Use Assets </div>Term of Lease",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10091": {
   "value": "2.7 Property, plant and equipment and intangible assets <div class=\"t sf_84\" id=\"t1z_84\" style=\"left:621px;bottom:365px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Property, plant and equipment and software intangibles are stated at cost, net of </div>\n<div class=\"t sf_84\" id=\"t20_84\" style=\"left:621px;bottom:347px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">depreciation, amortisation and any provision for impairment. No depreciation or </div>\n<div class=\"t sf_84\" id=\"t21_84\" style=\"left:621px;bottom:329px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">amortisation is charged during the period of construction. </div>\n<div class=\"t se_84\" id=\"t22_84\" style=\"left:621px;bottom:298px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Research and development </div>\n<div class=\"t sf_84\" id=\"t23_84\" style=\"left:621px;bottom:278px;letter-spacing:-0.15px;display:inline;\">Expenditure on research activities is recognised in the income statement as an expense </div>\n<div class=\"t sf_84\" id=\"t24_84\" style=\"left:621px;bottom:260px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">as\u00a0incurred. </div>\n<div class=\"t sf_84\" id=\"t25_84\" style=\"left:621px;bottom:229px;letter-spacing:-0.03px;display:inline;\">Expenditure on development activities is capitalised if the product or process is </div>\n<div class=\"t sf_84\" id=\"t26_84\" style=\"left:621px;bottom:210px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">technically and commercially feasible and the Group intends, and has the technical </div>\n<div class=\"t sf_84\" id=\"t27_84\" style=\"left:621px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ability and sufficient resources to, complete development, future economic benefits </div>\n<div class=\"t sf_84\" id=\"t28_84\" style=\"left:621px;bottom:174px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">are probable and if the Group can measure reliably the expenditure attributable to </div>\n<div class=\"t sf_84\" id=\"t29_84\" style=\"left:621px;bottom:155px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">the intangible asset during its development. Development activities involve a plan </div>\n<div class=\"t sf_84\" id=\"t2a_84\" style=\"left:621px;bottom:137px;letter-spacing:-0.06px;word-spacing:0.02px;display:inline;\">or design for the production of new or substantially improved products or processes. </div><div></div><div class=\"t s1_85\" id=\"t1_85\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_85\" id=\"t2_85\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_85\" id=\"t3_85\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t4_85\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t5_85\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_85\" id=\"t6_85\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_85\" id=\"t7_85\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_85\" id=\"t8_85\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_85\" id=\"t9_85\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_85\" id=\"ti_85\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;display:inline;\">The expenditure capitalised includes the cost of materials, external consultancy costs and </div>\n<div class=\"t se_85\" id=\"tj_85\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;display:inline;\">salary costs where a distinct product has been created. Other development expenditure </div>\n<div class=\"t se_85\" id=\"tk_85\" style=\"left:74px;bottom:667px;letter-spacing:-0.15px;display:inline;\">is recognised in the income statement as an expense as incurred. Capitalised development </div>\n<div class=\"t se_85\" id=\"tl_85\" style=\"left:74px;bottom:648px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">expenditure is stated at cost less accumulated amortisation and less accumulated </div>\n<div class=\"t se_85\" id=\"tm_85\" style=\"left:74px;bottom:630px;letter-spacing:-0.14px;word-spacing:0.01px;display:inline;\">impairment losses. </div>\n<div class=\"t sc_85\" id=\"tn_85\" style=\"left:74px;bottom:600px;word-spacing:-0.12px;display:inline;\">Disposal of assets </div>\n<div class=\"t se_85\" id=\"to_85\" style=\"left:74px;bottom:580px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The gain or loss arising on the disposal of an asset is determined as the difference </div>\n<div class=\"t se_85\" id=\"tp_85\" style=\"left:74px;bottom:561px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">between the disposal proceeds and the carrying amount of the asset and is recognised </div>\n<div class=\"t se_85\" id=\"tq_85\" style=\"left:74px;bottom:543px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">in the income statement. </div>\n<div class=\"t sc_85\" id=\"tr_85\" style=\"left:74px;bottom:513px;word-spacing:-0.12px;display:inline;\">Amortisation and depreciation </div>\n<div class=\"t se_85\" id=\"ts_85\" style=\"left:74px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Amortisation and depreciation are calculated to write down the cost or valuation less </div>\n<div class=\"t se_85\" id=\"tt_85\" style=\"left:74px;bottom:474px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">estimated residual value of all intangible assets, and tangible assets other than freehold </div>\n<div class=\"t se_85\" id=\"tu_85\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">land excluding investment properties by equal annual instalments over their estimated </div>\n<div class=\"t se_85\" id=\"tv_85\" style=\"left:74px;bottom:436px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">economic useful lives. </div>\n<div class=\"t se_85\" id=\"tw_85\" style=\"left:74px;bottom:405px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Residual value is reviewed annually and amended if material. The rates generally </div>\n<div class=\"t se_85\" id=\"tx_85\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">applicable are: </div>\n<div class=\"t sf_85\" id=\"ty_85\" style=\"left:78px;bottom:352px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Freehold properties </div><div class=\"t sg_85\" id=\"tz_85\" style=\"left:533px;bottom:352px;letter-spacing:0.25px;word-spacing:-0.14px;display:inline;\">50 years </div>\n<div class=\"t sf_85\" id=\"t10_85\" style=\"left:78px;bottom:329px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sg_85\" id=\"t11_85\" style=\"left:521px;bottom:329px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t12_85\" style=\"left:78px;bottom:307px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Computer equipment </div><div class=\"t sg_85\" id=\"t13_85\" style=\"left:521px;bottom:307px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t14_85\" style=\"left:78px;bottom:285px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Furniture, fixtures and fittings </div><div class=\"t sg_85\" id=\"t15_85\" style=\"left:515px;bottom:285px;letter-spacing:0.16px;word-spacing:-0.07px;display:inline;\">5 \u2013 10 years </div>\n<div class=\"t sf_85\" id=\"t16_85\" style=\"left:78px;bottom:263px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Computer software and development </div><div class=\"t sg_85\" id=\"t17_85\" style=\"left:521px;bottom:263px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t18_85\" style=\"left:78px;bottom:241px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Internally generated intangibles </div><div class=\"t sg_85\" id=\"t19_85\" style=\"left:521px;bottom:241px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1a_85\" style=\"left:78px;bottom:219px;letter-spacing:0.1px;display:inline;\">Intangible assets </div><div class=\"t sg_85\" id=\"t1b_85\" style=\"left:521px;bottom:219px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1c_85\" style=\"left:78px;bottom:196px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Right of Use Assets </div>Term of Lease",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10098": {
   "value": "Research and development <div class=\"t sf_84\" id=\"t23_84\" style=\"left:621px;bottom:278px;letter-spacing:-0.15px;display:inline;\">Expenditure on research activities is recognised in the income statement as an expense </div>\n<div class=\"t sf_84\" id=\"t24_84\" style=\"left:621px;bottom:260px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">as\u00a0incurred. </div>\n<div class=\"t sf_84\" id=\"t25_84\" style=\"left:621px;bottom:229px;letter-spacing:-0.03px;display:inline;\">Expenditure on development activities is capitalised if the product or process is </div>\n<div class=\"t sf_84\" id=\"t26_84\" style=\"left:621px;bottom:210px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">technically and commercially feasible and the Group intends, and has the technical </div>\n<div class=\"t sf_84\" id=\"t27_84\" style=\"left:621px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">ability and sufficient resources to, complete development, future economic benefits </div>\n<div class=\"t sf_84\" id=\"t28_84\" style=\"left:621px;bottom:174px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">are probable and if the Group can measure reliably the expenditure attributable to </div>\n<div class=\"t sf_84\" id=\"t29_84\" style=\"left:621px;bottom:155px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">the intangible asset during its development. Development activities involve a plan </div>\n<div class=\"t sf_84\" id=\"t2a_84\" style=\"left:621px;bottom:137px;letter-spacing:-0.06px;word-spacing:0.02px;display:inline;\">or design for the production of new or substantially improved products or processes. </div><div></div><div class=\"t s1_85\" id=\"t1_85\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_85\" id=\"t2_85\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_85\" id=\"t3_85\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t4_85\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_85\" id=\"t5_85\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_85\" id=\"t6_85\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_85\" id=\"t7_85\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_85\" id=\"t8_85\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_85\" id=\"t9_85\" style=\"left:1103px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_85\" id=\"ti_85\" style=\"left:74px;bottom:703px;letter-spacing:-0.16px;display:inline;\">The expenditure capitalised includes the cost of materials, external consultancy costs and </div>\n<div class=\"t se_85\" id=\"tj_85\" style=\"left:74px;bottom:685px;letter-spacing:-0.03px;display:inline;\">salary costs where a distinct product has been created. Other development expenditure </div>\n<div class=\"t se_85\" id=\"tk_85\" style=\"left:74px;bottom:667px;letter-spacing:-0.15px;display:inline;\">is recognised in the income statement as an expense as incurred. Capitalised development </div>\n<div class=\"t se_85\" id=\"tl_85\" style=\"left:74px;bottom:648px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">expenditure is stated at cost less accumulated amortisation and less accumulated </div>\nimpairment losses.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForResearchAndDevelopmentExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10171": {
   "value": "Disposal of assets <div class=\"t se_85\" id=\"to_85\" style=\"left:74px;bottom:580px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The gain or loss arising on the disposal of an asset is determined as the difference </div>\n<div class=\"t se_85\" id=\"tp_85\" style=\"left:74px;bottom:561px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">between the disposal proceeds and the carrying amount of the asset and is recognised </div>\nin the income statement.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10178": {
   "value": "Amortisation and depreciation <div class=\"t se_85\" id=\"ts_85\" style=\"left:74px;bottom:493px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Amortisation and depreciation are calculated to write down the cost or valuation less </div>\n<div class=\"t se_85\" id=\"tt_85\" style=\"left:74px;bottom:474px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">estimated residual value of all intangible assets, and tangible assets other than freehold </div>\n<div class=\"t se_85\" id=\"tu_85\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">land excluding investment properties by equal annual instalments over their estimated </div>\n<div class=\"t se_85\" id=\"tv_85\" style=\"left:74px;bottom:436px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">economic useful lives. </div>\n<div class=\"t se_85\" id=\"tw_85\" style=\"left:74px;bottom:405px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Residual value is reviewed annually and amended if material. The rates generally </div>\n<div class=\"t se_85\" id=\"tx_85\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">applicable are: </div>\n<div class=\"t sf_85\" id=\"ty_85\" style=\"left:78px;bottom:352px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Freehold properties </div><div class=\"t sg_85\" id=\"tz_85\" style=\"left:533px;bottom:352px;letter-spacing:0.25px;word-spacing:-0.14px;display:inline;\">50 years </div>\n<div class=\"t sf_85\" id=\"t10_85\" style=\"left:78px;bottom:329px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sg_85\" id=\"t11_85\" style=\"left:521px;bottom:329px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t12_85\" style=\"left:78px;bottom:307px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Computer equipment </div><div class=\"t sg_85\" id=\"t13_85\" style=\"left:521px;bottom:307px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t14_85\" style=\"left:78px;bottom:285px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Furniture, fixtures and fittings </div><div class=\"t sg_85\" id=\"t15_85\" style=\"left:515px;bottom:285px;letter-spacing:0.16px;word-spacing:-0.07px;display:inline;\">5 \u2013 10 years </div>\n<div class=\"t sf_85\" id=\"t16_85\" style=\"left:78px;bottom:263px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Computer software and development </div><div class=\"t sg_85\" id=\"t17_85\" style=\"left:521px;bottom:263px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">2 \u2013 4 years </div>\n<div class=\"t sf_85\" id=\"t18_85\" style=\"left:78px;bottom:241px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Internally generated intangibles </div><div class=\"t sg_85\" id=\"t19_85\" style=\"left:521px;bottom:241px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1a_85\" style=\"left:78px;bottom:219px;letter-spacing:0.1px;display:inline;\">Intangible assets </div><div class=\"t sg_85\" id=\"t1b_85\" style=\"left:521px;bottom:219px;letter-spacing:0.17px;word-spacing:-0.08px;display:inline;\">3 \u2013 5 years </div>\n<div class=\"t sf_85\" id=\"t1c_85\" style=\"left:78px;bottom:196px;letter-spacing:0.07px;word-spacing:-0.09px;display:inline;\">Right of Use Assets </div>Term of Lease",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10206": {
   "value": "2.8 Leases <div class=\"t se_85\" id=\"t1f_85\" style=\"left:74px;bottom:137px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Under IFRS 16, with the exception of short-term or low value leases, all operating </div>\n<div class=\"t se_85\" id=\"t1g_85\" style=\"left:74px;bottom:119px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">and finance leases are accounted for in the balance sheet. On inception of the lease, </div>\n<div class=\"t se_85\" id=\"t1h_85\" style=\"left:74px;bottom:100px;letter-spacing:-0.16px;word-spacing:0.01px;display:inline;\">the future payments, including any expected end of life costs, are discounted based on </div>\n<div class=\"t se_85\" id=\"t1i_85\" style=\"left:74px;bottom:82px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">the implicit interest rate in the specific lease. A \u201cRight of Use\u201d asset is created at an equal </div>\n<div class=\"t se_85\" id=\"t1j_85\" style=\"left:74px;bottom:64px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">value depreciated over the life of the lease which is determined by the contract with </div>\n<div class=\"t se_85\" id=\"t1k_85\" style=\"left:621px;bottom:768px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">any break clauses being reviewed as to the expected use at the time of inception and at </div>\n<div class=\"t se_85\" id=\"t1l_85\" style=\"left:621px;bottom:750px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">each following year end. Payments made to the lessor are debited to the balance sheet </div>\n<div class=\"t se_85\" id=\"t1m_85\" style=\"left:621px;bottom:731px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">and the income statement is charged with monthly depreciation and interest which is </div>\n<div class=\"t se_85\" id=\"t1n_85\" style=\"left:621px;bottom:713px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">included as finance costs in the accounts. </div>\n<div class=\"t se_85\" id=\"t1o_85\" style=\"left:621px;bottom:682px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Low value leases or short life leases of less than one year are expensed directly into the </div>\nincome statement account on a straight line over the life of the lease.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10221": {
   "value": "2.9 Impairment of non-financial assets <div class=\"t se_85\" id=\"t1r_85\" style=\"left:621px;bottom:611px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">For the purposes of assessing impairment, assets are grouped at the lowest\u00a0levels for </div>\n<div class=\"t se_85\" id=\"t1s_85\" style=\"left:621px;bottom:592px;letter-spacing:-0.17px;word-spacing:-0.04px;display:inline;\">which there are separately identifiable cash flows (cash-generating units). As a result, </div>\n<div class=\"t se_85\" id=\"t1t_85\" style=\"left:621px;bottom:574px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">some assets are tested individually for impairment and some are tested at cash- </div>\n<div class=\"t se_85\" id=\"t1u_85\" style=\"left:621px;bottom:556px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">generating unit level. Goodwill is allocated to those cash-generating units that are </div>\n<div class=\"t se_85\" id=\"t1v_85\" style=\"left:621px;bottom:537px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">expected to benefit from\u00a0synergies of the related business combination and represent </div>\n<div class=\"t se_85\" id=\"t1w_85\" style=\"left:621px;bottom:519px;letter-spacing:-0.29px;word-spacing:-0.07px;display:inline;\">the lowest level within the Group at which management monitors the related cash flows. </div>\n<div class=\"t se_85\" id=\"t1x_85\" style=\"left:621px;bottom:488px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">Goodwill, other individual assets or cash-generating units that include goodwill and those </div>\n<div class=\"t se_85\" id=\"t1y_85\" style=\"left:621px;bottom:469px;letter-spacing:-0.06px;word-spacing:-0.02px;display:inline;\">intangible assets not yet available for use are tested for impairment at least annually. </div>\n<div class=\"t se_85\" id=\"t1z_85\" style=\"left:621px;bottom:451px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">All other individual assets or cash-generating units are tested for impairment whenever </div>\n<div class=\"t se_85\" id=\"t20_85\" style=\"left:621px;bottom:433px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">events or changes in circumstances indicate that the carrying amount may not be </div>\nrecoverable. See Note 14 for further details on the impairment testing of goodwill. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10236": {
   "value": "2.10 Taxation <div class=\"t se_85\" id=\"t23_85\" style=\"left:621px;bottom:362px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">Current tax is the tax currently payable based on taxable profit for the year. </div>\n<div class=\"t se_85\" id=\"t24_85\" style=\"left:621px;bottom:331px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred income taxes are calculated using the liability method on temporary </div>\n<div class=\"t se_85\" id=\"t25_85\" style=\"left:621px;bottom:312px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">differences. Deferred tax is generally provided on the difference between the carrying </div>\n<div class=\"t se_85\" id=\"t26_85\" style=\"left:621px;bottom:294px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">amounts of assets and liabilities and their tax bases. </div>\n<div class=\"t se_85\" id=\"t27_85\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">However, deferred tax is not provided on the initial recognition of goodwill, nor on the </div>\n<div class=\"t se_85\" id=\"t28_85\" style=\"left:621px;bottom:244px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">initial recognition of an asset or liability unless the related transaction is a business </div>\n<div class=\"t se_85\" id=\"t29_85\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;display:inline;\">combination or affects tax or accounting profit. </div>\n<div class=\"t se_85\" id=\"t2a_85\" style=\"left:621px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax on temporary differences associated with shares in subsidiaries and joint </div>\n<div class=\"t se_85\" id=\"t2b_85\" style=\"left:621px;bottom:176px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">ventures is not provided if reversal of these temporary differences can be controlled </div>\n<div class=\"t se_85\" id=\"t2c_85\" style=\"left:621px;bottom:158px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">by the Group and it is probable that reversal will not occur in the foreseeable future. </div>\n<div class=\"t se_85\" id=\"t2d_85\" style=\"left:621px;bottom:140px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">In addition, tax losses available to be carried forward as well as other income tax credits </div>\n<div class=\"t se_85\" id=\"t2e_85\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">to the Group are assessed for recognition as deferred tax assets. </div><div></div><div class=\"t s1_86\" id=\"t1_86\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_86\" id=\"t2_86\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_86\" id=\"t3_86\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t4_86\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t5_86\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_86\" id=\"t6_86\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_86\" id=\"t7_86\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_86\" id=\"t8_86\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_86\" id=\"t9_86\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_86\" id=\"tg_86\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax liabilities are provided in full, with no discounting. Deferred tax assets are </div>\n<div class=\"t sc_86\" id=\"th_86\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">recognised to the extent that it is probable that the underlying deductible temporary </div>\n<div class=\"t sc_86\" id=\"ti_86\" style=\"left:74px;bottom:686px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">differences will be able to be offset against future taxable income. Current and deferred </div>\n<div class=\"t sc_86\" id=\"tj_86\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">tax assets and liabilities are calculated at tax rates that are expected to apply to their </div>\n<div class=\"t sc_86\" id=\"tk_86\" style=\"left:74px;bottom:649px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">respective period of realisation, provided they are enacted or substantively enacted at </div>\nthe balance sheet date.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10240": {
   "value": "Deferred income taxes are calculated using the liability method on temporary <div class=\"t se_85\" id=\"t25_85\" style=\"left:621px;bottom:312px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">differences. Deferred tax is generally provided on the difference between the carrying </div>\n<div class=\"t se_85\" id=\"t26_85\" style=\"left:621px;bottom:294px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">amounts of assets and liabilities and their tax bases. </div>\n<div class=\"t se_85\" id=\"t27_85\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">However, deferred tax is not provided on the initial recognition of goodwill, nor on the </div>\n<div class=\"t se_85\" id=\"t28_85\" style=\"left:621px;bottom:244px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">initial recognition of an asset or liability unless the related transaction is a business </div>\n<div class=\"t se_85\" id=\"t29_85\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;display:inline;\">combination or affects tax or accounting profit. </div>\n<div class=\"t se_85\" id=\"t2a_85\" style=\"left:621px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax on temporary differences associated with shares in subsidiaries and joint </div>\n<div class=\"t se_85\" id=\"t2b_85\" style=\"left:621px;bottom:176px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">ventures is not provided if reversal of these temporary differences can be controlled </div>\n<div class=\"t se_85\" id=\"t2c_85\" style=\"left:621px;bottom:158px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">by the Group and it is probable that reversal will not occur in the foreseeable future. </div>\n<div class=\"t se_85\" id=\"t2d_85\" style=\"left:621px;bottom:140px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">In addition, tax losses available to be carried forward as well as other income tax credits </div>\n<div class=\"t se_85\" id=\"t2e_85\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">to the Group are assessed for recognition as deferred tax assets. </div><div></div><div class=\"t s1_86\" id=\"t1_86\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_86\" id=\"t2_86\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_86\" id=\"t3_86\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t4_86\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_86\" id=\"t5_86\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_86\" id=\"t6_86\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_86\" id=\"t7_86\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_86\" id=\"t8_86\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_86\" id=\"t9_86\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n\n<div class=\"t sc_86\" id=\"tg_86\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Deferred tax liabilities are provided in full, with no discounting. Deferred tax assets are </div>\n<div class=\"t sc_86\" id=\"th_86\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">recognised to the extent that it is probable that the underlying deductible temporary </div>\n<div class=\"t sc_86\" id=\"ti_86\" style=\"left:74px;bottom:686px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">differences will be able to be offset against future taxable income. Current and deferred </div>\n<div class=\"t sc_86\" id=\"tj_86\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">tax assets and liabilities are calculated at tax rates that are expected to apply to their </div>\n<div class=\"t sc_86\" id=\"tk_86\" style=\"left:74px;bottom:649px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">respective period of realisation, provided they are enacted or substantively enacted at </div>\nthe balance sheet date.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10310": {
   "value": "2.11 Financial assets <div class=\"t sc_86\" id=\"tn_86\" style=\"left:74px;bottom:578px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">Financial assets include; equity investments, bank deposits (as defined below); </div>\n<div class=\"t sc_86\" id=\"to_86\" style=\"left:74px;bottom:560px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">loans and other receivables. Financial assets are assigned to the different categories </div>\n<div class=\"t sc_86\" id=\"tp_86\" style=\"left:74px;bottom:542px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">by management on initial recognition, depending on the purpose for which they </div>\n<div class=\"t sc_86\" id=\"tq_86\" style=\"left:74px;bottom:522px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">were acquired. </div>\n<div class=\"t sc_86\" id=\"tr_86\" style=\"left:74px;bottom:490px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">A financial asset is measured at amortised cost if it is both: held within a business model </div>\n<div class=\"t sc_86\" id=\"ts_86\" style=\"left:74px;bottom:472px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">whose objective is to hold assets to collect contractual cash flows; and its contractual </div>\n<div class=\"t sc_86\" id=\"tt_86\" style=\"left:74px;bottom:454px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">terms give rise to cash flows that are solely payments of principal and interest on the </div>\n<div class=\"t sc_86\" id=\"tu_86\" style=\"left:74px;bottom:435px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">amount outstanding. For the purposes of this assessment, \u201cprincipal\u201d is defined as </div>\n<div class=\"t sc_86\" id=\"tv_86\" style=\"left:74px;bottom:417px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">the fair value of the financial asset on initial recognition, and \u201cinterest\u201d is defined as </div>\n<div class=\"t sc_86\" id=\"tw_86\" style=\"left:74px;bottom:399px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">consideration for the time value of money and for the credit risk associated with the </div>\n<div class=\"t sc_86\" id=\"tx_86\" style=\"left:74px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">principal amount outstanding. In assessing whether the contractual cash flows are </div>\n<div class=\"t sc_86\" id=\"ty_86\" style=\"left:74px;bottom:362px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">solely payments of principal and interest, the Group considers the contractual terms </div>\n<div class=\"t sc_86\" id=\"tz_86\" style=\"left:74px;bottom:344px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">of the instrument, including any terms which may affect the timing or amount of </div>\n<div class=\"t sc_86\" id=\"t10_86\" style=\"left:74px;bottom:325px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">contractual cash flows. </div>\n<div class=\"t sc_86\" id=\"t11_86\" style=\"left:74px;bottom:294px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Loans and receivables are non-derivative financial assets with fixed or determinable </div>\n<div class=\"t sc_86\" id=\"t12_86\" style=\"left:74px;bottom:276px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">payments that are not quoted in an active market. Loans and receivables are measured </div>\n<div class=\"t sc_86\" id=\"t13_86\" style=\"left:74px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsequent to initial recognition at amortised cost using the effective interest method, </div>\n<div class=\"t sc_86\" id=\"t14_86\" style=\"left:74px;bottom:239px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">less provision for impairment. Any change in their value through impairment or reversal </div>\n<div class=\"t sc_86\" id=\"t15_86\" style=\"left:74px;bottom:221px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">of impairment is recognised in the income statement. </div>\n<div class=\"t sc_86\" id=\"t16_86\" style=\"left:74px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Fixed interest rate bank deposits with a maturity date of three months or more from </div>\n<div class=\"t sc_86\" id=\"t17_86\" style=\"left:74px;bottom:171px;letter-spacing:-0.03px;display:inline;\">the date of acquisition are classified as financial assets. </div>\n<div class=\"t sc_86\" id=\"t18_86\" style=\"left:74px;bottom:140px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">Equity investments are financial assets categorised as at fair value through profit and </div>\n<div class=\"t sc_86\" id=\"t19_86\" style=\"left:74px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">loss and are initially recognised at fair value on the date acquired and are subsequently </div>\n<div class=\"t sc_86\" id=\"t1a_86\" style=\"left:74px;bottom:103px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">re-measured at their fair value. Changes in the fair value of equity investments are </div>\n<div class=\"t sc_86\" id=\"t1b_86\" style=\"left:74px;bottom:85px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">recognised in profit or loss. </div>\n<div class=\"t sc_86\" id=\"t1c_86\" style=\"left:621px;bottom:768px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">In assessing impairment requirements on financial assets, the Group considers the rate of </div>\n<div class=\"t sc_86\" id=\"t1d_86\" style=\"left:621px;bottom:749px;letter-spacing:-0.28px;word-spacing:-0.02px;display:inline;\">historic losses on similar assets in conjunction with expected future losses and credit losses </div>\n<div class=\"t sc_86\" id=\"t1e_86\" style=\"left:621px;bottom:731px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">as a result of potential defaults. This will, as mandated by IFRS 9, continue to be reassessed </div>\n<div class=\"t sc_86\" id=\"t1f_86\" style=\"left:621px;bottom:713px;letter-spacing:-0.16px;word-spacing:-0.06px;display:inline;\">as and when further information becomes available or when conditions\u00a0change. </div>\n<div class=\"t sc_86\" id=\"t1g_86\" style=\"left:621px;bottom:681px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">A financial asset is de-recognised only where the contractual rights to the cash flows </div>\n<div class=\"t sc_86\" id=\"t1h_86\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">from the asset expire or the financial asset is transferred, and that transfer qualifies for </div>\n<div class=\"t sc_86\" id=\"t1i_86\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">de-recognition. A financial asset is transferred if the contractual rights to receive the </div>\n<div class=\"t sc_86\" id=\"t1j_86\" style=\"left:621px;bottom:626px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">cash flows of the asset have been transferred or the Group retains the contractual rights </div>\n<div class=\"t sc_86\" id=\"t1k_86\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">to receive the cash flows of the asset but assumes a contractual obligation to pay the </div>\n<div class=\"t sc_86\" id=\"t1l_86\" style=\"left:621px;bottom:590px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">cash flows to one or more recipients. A financial asset that is transferred qualifies for </div>\n<div class=\"t sc_86\" id=\"t1m_86\" style=\"left:621px;bottom:571px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">de-recognition if the Group transfers substantially all the risks and rewards of ownership </div>\n<div class=\"t sc_86\" id=\"t1n_86\" style=\"left:621px;bottom:553px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of the asset, or if the Group neither retains nor transfers substantially all the risks and </div>\n<div class=\"t sc_86\" id=\"t1o_86\" style=\"left:621px;bottom:535px;letter-spacing:-0.06px;display:inline;\">rewards of ownership but does transfer control of that asset. </div> \n<div class=\"t sd_86\" id=\"t1p_86\" style=\"left:621px;bottom:505px;word-spacing:-0.11px;display:inline;\">Impairment of financial assets </div>\n<div class=\"t sc_86\" id=\"t1q_86\" style=\"left:621px;bottom:485px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">The Group assesses on a forward-looking basis, the expected credit losses (ECL) </div>\n<div class=\"t sc_86\" id=\"t1r_86\" style=\"left:621px;bottom:466px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">associated with its debt instrument assets carried at amortised costs. The Group </div>\n<div class=\"t sc_86\" id=\"t1s_86\" style=\"left:621px;bottom:448px;letter-spacing:-0.18px;word-spacing:-0.02px;display:inline;\">calculates the lifetime ECL as a practical expedient for short-term receivables. A loss </div>\n<div class=\"t sc_86\" id=\"t1t_86\" style=\"left:621px;bottom:430px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">allowance is recognised for such losses at each reporting date. The Group measures </div>\n<div class=\"t sc_86\" id=\"t1u_86\" style=\"left:621px;bottom:411px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">ECL on each balance sheet date according to a three stage ECL impairment model: </div>\n<div class=\"t sc_86\" id=\"t1v_86\" style=\"left:621px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Stage 1 \u2013 from initial recognition of the financial asset to the date on which the asset </div>\n<div class=\"t sc_86\" id=\"t1w_86\" style=\"left:621px;bottom:362px;letter-spacing:-0.16px;display:inline;\">has experienced a significant increase in credit risk (SICR) relative to its initial recognition, </div>\n<div class=\"t sc_86\" id=\"t1x_86\" style=\"left:621px;bottom:343px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">a loss allowance is equal to the credit loss expected\u00a0to result from default occurring </div>\n<div class=\"t sc_86\" id=\"t1y_86\" style=\"left:621px;bottom:325px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">over 12 months following the reporting date. </div>\n<div class=\"t sc_86\" id=\"t1z_86\" style=\"left:621px;bottom:294px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Stage 2 \u2013 following a significant increase in credit risk relative to the initial recognition of </div>\n<div class=\"t sc_86\" id=\"t20_86\" style=\"left:621px;bottom:275px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">the financial asset, a loss allowance is recognised equal to the credit losses expected over </div>\n<div class=\"t sc_86\" id=\"t21_86\" style=\"left:621px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the remaining lifetime of the asset. Where an SICR is no longer observed, the instrument </div>\n<div class=\"t sc_86\" id=\"t22_86\" style=\"left:621px;bottom:239px;letter-spacing:-0.05px;display:inline;\">will move back to Stage 1. </div>\n<div class=\"t sc_86\" id=\"t23_86\" style=\"left:621px;bottom:207px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">Stage 3 \u2013 when the financial asset is considered to be credit impaired, a loss allowance </div>\n<div class=\"t sc_86\" id=\"t24_86\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">is recognised equal to the credit losses expected over the remaining life of the asset. </div>\n<div class=\"t sc_86\" id=\"t25_86\" style=\"left:621px;bottom:171px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Interest and revenue is calculated based on the gross carrying amount of the asset, </div>\n<div class=\"t sc_86\" id=\"t26_86\" style=\"left:621px;bottom:152px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">net of the loss allowance. </div><div></div><div class=\"t s1_87\" id=\"t1_87\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_87\" id=\"t2_87\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_87\" id=\"t3_87\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t4_87\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t5_87\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_87\" id=\"t6_87\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_87\" id=\"t7_87\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_87\" id=\"t8_87\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_87\" id=\"t9_87\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_87\" id=\"ti_87\" style=\"left:74px;bottom:703px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The measurement of the ECL reflects an unbiased and probability-weighted amount </div>\n<div class=\"t se_87\" id=\"tj_87\" style=\"left:74px;bottom:685px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">that is determined by evaluating a range of possible outcomes, the time value of money </div>\n<div class=\"t se_87\" id=\"tk_87\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">and reasonable and supportable information that is available without undue cost and </div>\n<div class=\"t se_87\" id=\"tl_87\" style=\"left:74px;bottom:648px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">effort at the reporting date about past events, current conditions and forecasts of </div>\n<div class=\"t se_87\" id=\"tm_87\" style=\"left:74px;bottom:630px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">future economic conditions. </div>\n<div class=\"t se_87\" id=\"tn_87\" style=\"left:74px;bottom:599px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Insurance receivables, which are outside the scope of IFRS 9, are subject to a lapse </div>\nprovision calculated based on historic loss data. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10341": {
   "value": "<div class=\"t sc_86\" id=\"t1g_86\" style=\"left:621px;bottom:681px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">A financial asset is de-recognised only where the contractual rights to the cash flows </div>\n<div class=\"t sc_86\" id=\"t1h_86\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">from the asset expire or the financial asset is transferred, and that transfer qualifies for </div>\n<div class=\"t sc_86\" id=\"t1i_86\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">de-recognition. A financial asset is transferred if the contractual rights to receive the </div>\n<div class=\"t sc_86\" id=\"t1j_86\" style=\"left:621px;bottom:626px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">cash flows of the asset have been transferred or the Group retains the contractual rights </div>\n<div class=\"t sc_86\" id=\"t1k_86\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">to receive the cash flows of the asset but assumes a contractual obligation to pay the </div>\n<div class=\"t sc_86\" id=\"t1l_86\" style=\"left:621px;bottom:590px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">cash flows to one or more recipients. A financial asset that is transferred qualifies for </div>\n<div class=\"t sc_86\" id=\"t1m_86\" style=\"left:621px;bottom:571px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">de-recognition if the Group transfers substantially all the risks and rewards of ownership </div>\n<div class=\"t sc_86\" id=\"t1n_86\" style=\"left:621px;bottom:553px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of the asset, or if the Group neither retains nor transfers substantially all the risks and </div>\n<div class=\"t sc_86\" id=\"t1o_86\" style=\"left:621px;bottom:535px;letter-spacing:-0.06px;display:inline;\">rewards of ownership but does transfer control of that asset. </div><div class=\"t se_87\" id=\"t10_87\" style=\"left:74px;bottom:306px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">A financial liability is de-recognised only when the obligation is extinguished, that is, </div>\n<div class=\"t se_87\" id=\"t11_87\" style=\"left:74px;bottom:287px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">when the obligation is discharged or cancelled or\u00a0expires. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10352": {
   "value": "Impairment of financial assets <div class=\"t sc_86\" id=\"t1q_86\" style=\"left:621px;bottom:485px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">The Group assesses on a forward-looking basis, the expected credit losses (ECL) </div>\n<div class=\"t sc_86\" id=\"t1r_86\" style=\"left:621px;bottom:466px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">associated with its debt instrument assets carried at amortised costs. The Group </div>\n<div class=\"t sc_86\" id=\"t1s_86\" style=\"left:621px;bottom:448px;letter-spacing:-0.18px;word-spacing:-0.02px;display:inline;\">calculates the lifetime ECL as a practical expedient for short-term receivables. A loss </div>\n<div class=\"t sc_86\" id=\"t1t_86\" style=\"left:621px;bottom:430px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">allowance is recognised for such losses at each reporting date. The Group measures </div>\n<div class=\"t sc_86\" id=\"t1u_86\" style=\"left:621px;bottom:411px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">ECL on each balance sheet date according to a three stage ECL impairment model: </div>\n<div class=\"t sc_86\" id=\"t1v_86\" style=\"left:621px;bottom:380px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">Stage 1 \u2013 from initial recognition of the financial asset to the date on which the asset </div>\n<div class=\"t sc_86\" id=\"t1w_86\" style=\"left:621px;bottom:362px;letter-spacing:-0.16px;display:inline;\">has experienced a significant increase in credit risk (SICR) relative to its initial recognition, </div>\n<div class=\"t sc_86\" id=\"t1x_86\" style=\"left:621px;bottom:343px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">a loss allowance is equal to the credit loss expected\u00a0to result from default occurring </div>\n<div class=\"t sc_86\" id=\"t1y_86\" style=\"left:621px;bottom:325px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">over 12 months following the reporting date. </div>\n<div class=\"t sc_86\" id=\"t1z_86\" style=\"left:621px;bottom:294px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Stage 2 \u2013 following a significant increase in credit risk relative to the initial recognition of </div>\n<div class=\"t sc_86\" id=\"t20_86\" style=\"left:621px;bottom:275px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">the financial asset, a loss allowance is recognised equal to the credit losses expected over </div>\n<div class=\"t sc_86\" id=\"t21_86\" style=\"left:621px;bottom:257px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the remaining lifetime of the asset. Where an SICR is no longer observed, the instrument </div>\n<div class=\"t sc_86\" id=\"t22_86\" style=\"left:621px;bottom:239px;letter-spacing:-0.05px;display:inline;\">will move back to Stage 1. </div>\n<div class=\"t sc_86\" id=\"t23_86\" style=\"left:621px;bottom:207px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">Stage 3 \u2013 when the financial asset is considered to be credit impaired, a loss allowance </div>\n<div class=\"t sc_86\" id=\"t24_86\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">is recognised equal to the credit losses expected over the remaining life of the asset. </div>\n<div class=\"t sc_86\" id=\"t25_86\" style=\"left:621px;bottom:171px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Interest and revenue is calculated based on the gross carrying amount of the asset, </div>\n<div class=\"t sc_86\" id=\"t26_86\" style=\"left:621px;bottom:152px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">net of the loss allowance. </div><div></div><div class=\"t s1_87\" id=\"t1_87\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_87\" id=\"t2_87\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_87\" id=\"t3_87\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t4_87\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_87\" id=\"t5_87\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_87\" id=\"t6_87\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_87\" id=\"t7_87\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_87\" id=\"t8_87\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_87\" id=\"t9_87\" style=\"left:1104px;bottom:878px;letter-spacing:-0.28px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_87\" id=\"ti_87\" style=\"left:74px;bottom:703px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The measurement of the ECL reflects an unbiased and probability-weighted amount </div>\n<div class=\"t se_87\" id=\"tj_87\" style=\"left:74px;bottom:685px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">that is determined by evaluating a range of possible outcomes, the time value of money </div>\n<div class=\"t se_87\" id=\"tk_87\" style=\"left:74px;bottom:667px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">and reasonable and supportable information that is available without undue cost and </div>\n<div class=\"t se_87\" id=\"tl_87\" style=\"left:74px;bottom:648px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">effort at the reporting date about past events, current conditions and forecasts of </div>\n<div class=\"t se_87\" id=\"tm_87\" style=\"left:74px;bottom:630px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">future economic conditions. </div>\n<div class=\"t se_87\" id=\"tn_87\" style=\"left:74px;bottom:599px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Insurance receivables, which are outside the scope of IFRS 9, are subject to a lapse </div>\nprovision calculated based on historic loss data.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10433": {
   "value": "2.12 Financial liabilities <div class=\"t se_87\" id=\"tq_87\" style=\"left:74px;bottom:528px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Financial liabilities are classified as measured at amortised cost or fair value through </div>\n<div class=\"t se_87\" id=\"tr_87\" style=\"left:74px;bottom:510px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">profit and loss (FVTPL). A financial liability is classified as at FVTPL if it is classified as </div>\n<div class=\"t se_87\" id=\"ts_87\" style=\"left:74px;bottom:491px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">held-for-trading or it is designated as such on initial recognition. </div>\n<div class=\"t se_87\" id=\"tt_87\" style=\"left:74px;bottom:460px;letter-spacing:-0.03px;display:inline;\">Financial liabilities are subsequently measured at amortised cost using the effective </div>\n<div class=\"t se_87\" id=\"tu_87\" style=\"left:74px;bottom:442px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">interest method, with interest related charges recognised as an expense in finance cost </div>\n<div class=\"t se_87\" id=\"tv_87\" style=\"left:74px;bottom:423px;letter-spacing:-0.15px;display:inline;\">in the income statement. Finance charges, including premiums payable on settlement or </div>\n<div class=\"t se_87\" id=\"tw_87\" style=\"left:74px;bottom:405px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">redemption and direct issue costs, are charged to the income statement on an accruals </div>\n<div class=\"t se_87\" id=\"tx_87\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">basis using the effective interest method and are added to the carrying amount of the </div>\n<div class=\"t se_87\" id=\"ty_87\" style=\"left:74px;bottom:368px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">instrument to the extent that they are not settled in the period in which they arise. </div>\n<div class=\"t se_87\" id=\"tz_87\" style=\"left:74px;bottom:337px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">There are no financial liabilities categorised as at fair value through profit or\u00a0loss. </div>\n<div class=\"t se_87\" id=\"t10_87\" style=\"left:74px;bottom:306px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">A financial liability is de-recognised only when the obligation is extinguished, that is, </div>\nwhen the obligation is discharged or cancelled or\u00a0expires.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10451": {
   "value": "2.13 Cash and cash equivalents <div class=\"t se_87\" id=\"t13_87\" style=\"left:74px;bottom:235px;letter-spacing:-0.15px;word-spacing:-0.03px;display:inline;\">Cash and cash equivalents comprise cash on hand and demand deposits, together with </div>\n<div class=\"t se_87\" id=\"t14_87\" style=\"left:74px;bottom:216px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">other short-term, highly liquid investments that are readily convertible into known </div>\n<div class=\"t se_87\" id=\"t15_87\" style=\"left:74px;bottom:198px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">amounts of cash and which are subject to an insignificant risk of changes in value. </div>\n<div class=\"t se_87\" id=\"t16_87\" style=\"left:74px;bottom:167px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">As stated in Note 2.11 fixed interest rate bank deposits with the maturity date of three </div>\nmonths or more from the date of acquisition are classified as financial assets.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10460": {
   "value": "2.14 Investments in subsidiary undertakings <div class=\"t se_87\" id=\"t19_87\" style=\"left:621px;bottom:745px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">Company investments in subsidiary undertakings and joint ventures held in the Company </div>\n<div class=\"t se_87\" id=\"t1a_87\" style=\"left:621px;bottom:726px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">Balance Sheet are shown at cost less impairment provisions. </div>\n<div class=\"t se_87\" id=\"t1b_87\" style=\"left:621px;bottom:695px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Impairment testing is completed on an annual basis or as and when an indicator for </div>\nimpairment under IAS 36 arises.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10468": {
   "value": "2.15 Equity <div class=\"t se_87\" id=\"t1e_87\" style=\"left:621px;bottom:624px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">Equity comprises the following: </div>\n<div class=\"t sf_87\" id=\"t1f_87\" style=\"left:621px;bottom:593px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1g_87\" style=\"left:634px;bottom:593px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">\u201cShare capital\u201d represents the nominal value of equity shares. </div>\n<div class=\"t sf_87\" id=\"t1h_87\" style=\"left:621px;bottom:570px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1i_87\" style=\"left:634px;bottom:570px;letter-spacing:-0.04px;display:inline;\">\u201cShare premium account\u201d represents the amount paid on issue for equity shares in </div>\n<div class=\"t se_87\" id=\"t1j_87\" style=\"left:634px;bottom:552px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">excess of their nominal value. </div>\n<div class=\"t sf_87\" id=\"t1k_87\" style=\"left:621px;bottom:529px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1l_87\" style=\"left:634px;bottom:529px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">\u201cCapital redemption reserve\u201d represents the nominal value of its own equity shares </div>\n<div class=\"t se_87\" id=\"t1m_87\" style=\"left:634px;bottom:511px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">purchased, and then cancelled, by the Company. </div>\n<div class=\"t sf_87\" id=\"t1n_87\" style=\"left:621px;bottom:488px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1o_87\" style=\"left:634px;bottom:488px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">\u201cShare based payments reserve\u201d represents the equity value of the accumulated share </div>\n<div class=\"t se_87\" id=\"t1p_87\" style=\"left:634px;bottom:470px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">based payments expenses in LTIP 2021. </div>\n<div class=\"t sf_87\" id=\"t1q_87\" style=\"left:621px;bottom:447px;display:inline;\">&gt; </div><div class=\"t se_87\" id=\"t1r_87\" style=\"left:634px;bottom:447px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">\u201cOther reserve\u201d represents the investment in own Company shares by the Employee </div>\n<div class=\"t se_87\" id=\"t1s_87\" style=\"left:634px;bottom:429px;letter-spacing:-0.06px;word-spacing:-0.27px;display:inline;\">Benefit Trust. </div>\n<div class=\"t sf_87\" id=\"t1t_87\" style=\"left:621px;bottom:406px;display:inline;\">&gt; </div>\u201cProfit and loss reserve\u201d represents retained profits.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10489": {
   "value": "2.16 Employee benefits <div class=\"t se_87\" id=\"t1w_87\" style=\"left:621px;bottom:354px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">Defined contribution group and self-invested personal pension schemes. </div>\n<div class=\"t se_87\" id=\"t1x_87\" style=\"left:621px;bottom:322px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">The pension costs charged against profits are the contributions payable to the schemes </div>\nin respect of the accounting period.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10496": {
   "value": "2.17 Share-based payment <div class=\"t sc_87\" id=\"t20_87\" style=\"left:621px;bottom:253px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Equity-settled share-based payment </div>\n<div class=\"t se_87\" id=\"t21_87\" style=\"left:621px;bottom:233px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">All goods and services received in exchange for the grant of any share-based payment </div>\n<div class=\"t se_87\" id=\"t22_87\" style=\"left:621px;bottom:214px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">are measured at their fair values. Where employees are rewarded using share-based </div>\n<div class=\"t se_87\" id=\"t23_87\" style=\"left:621px;bottom:196px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">payments, the fair values of employees\u2019 services are determined indirectly by reference </div>\n<div class=\"t se_87\" id=\"t24_87\" style=\"left:621px;bottom:178px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">to the fair value of the instrument as at the date it is granted to the employee. </div>\n<div class=\"t se_87\" id=\"t25_87\" style=\"left:621px;bottom:146px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">All equity-settled share-based payments are ultimately recognised as an expense in the </div>\n<div class=\"t se_87\" id=\"t26_87\" style=\"left:621px;bottom:128px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">income statement with a corresponding credit to \u201cprofit and loss reserve\u201d. </div><div></div><div class=\"t s1_88\" id=\"t1_88\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_88\" id=\"t2_88\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_88\" id=\"t3_88\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_88\" id=\"t4_88\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_88\" id=\"t5_88\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_88\" id=\"t6_88\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_88\" id=\"t7_88\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_88\" id=\"t8_88\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_88\" id=\"t9_88\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"></div>\n\n\n\n\n<div class=\"t se_88\" id=\"ti_88\" style=\"left:74px;bottom:703px;letter-spacing:-0.17px;word-spacing:-0.04px;display:inline;\">If vesting periods or other non-market vesting conditions apply, the expense is allocated </div>\n<div class=\"t se_88\" id=\"tj_88\" style=\"left:74px;bottom:685px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">over the vesting period, based on the best available estimate of the number of share </div>\n<div class=\"t se_88\" id=\"tk_88\" style=\"left:74px;bottom:667px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">options expected to vest. Estimates are subsequently revised if there is any indication </div>\n<div class=\"t se_88\" id=\"tl_88\" style=\"left:74px;bottom:648px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">that the number of share options expected to vest differs from previous estimates. </div>\n<div class=\"t se_88\" id=\"tm_88\" style=\"left:74px;bottom:630px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">Any cumulative adjustment prior to vesting is recognised in the current period. </div>\n<div class=\"t se_88\" id=\"tn_88\" style=\"left:74px;bottom:612px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">No adjustment is made to any expense recognised in prior periods if share options </div>\n<div class=\"t se_88\" id=\"to_88\" style=\"left:74px;bottom:593px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">ultimately exercised are different to that estimated on vesting. </div>\n<div class=\"t se_88\" id=\"tp_88\" style=\"left:74px;bottom:562px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">Upon exercise of share options, the proceeds received net of attributable transaction </div>\ncosts are credited to share capital, and where appropriate share premium.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10585": {
   "value": "2.20 Inventories <div class=\"t se_88\" id=\"t1a_88\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Inventories are valued at the lower of cost and net realisable value after making due </div>\n<div class=\"t se_88\" id=\"t1b_88\" style=\"left:621px;bottom:726px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">allowance for obsolete and slow-moving items. Cost includes all direct costs and an </div>\nappropriate proportion of fixed and variable overheads. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForMeasuringInventories",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10592": {
   "value": "2.21 Provisions <div class=\"t se_88\" id=\"t1e_88\" style=\"left:621px;bottom:655px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">A provision is recognised in the balance sheet when the Group has a present legal, </div>\n<div class=\"t se_88\" id=\"t1f_88\" style=\"left:621px;bottom:637px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">or constructive, obligation as a result of a past event, that can be reliably measured, </div>\n<div class=\"t se_88\" id=\"t1g_88\" style=\"left:621px;bottom:619px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">and it is probable that an outflow of economic benefits will be required to settle the </div>\n<div class=\"t se_88\" id=\"t1h_88\" style=\"left:621px;bottom:600px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">obligation. Provisions are determined by discounting the expected future cash flows </div>\nat a pre-tax rate that reflects risks specific to the liability.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10654": {
   "value": "3 Risk management objectives and policies <div class=\"t s9_89\" id=\"td_89\" style=\"left:74px;bottom:743px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The Board recognises that the effective management of risks and opportunities is </div>\n<div class=\"t s9_89\" id=\"te_89\" style=\"left:74px;bottom:725px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">fundamental to achieving the Group\u2019s strategic objectives. As a result, it is important </div>\n<div class=\"t s9_89\" id=\"tf_89\" style=\"left:74px;bottom:707px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">there is a strong risk management culture throughout the Group, and that we identify, </div>\n<div class=\"t s9_89\" id=\"tg_89\" style=\"left:74px;bottom:688px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">assess and appropriately mitigate the key risks to the Group achieving this strategy. </div>\n<div class=\"t s9_89\" id=\"th_89\" style=\"left:74px;bottom:657px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">To achieve its objectives as well as sustainable profitability, the Group may pursue the </div>\n<div class=\"t s9_89\" id=\"ti_89\" style=\"left:74px;bottom:639px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">opportunities that gave rise to risk. Therefore, we have adopted an Enterprise Risk </div>\n<div class=\"t s9_89\" id=\"tj_89\" style=\"left:74px;bottom:620px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">Management Framework as part of our decision making and business management </div>\n<div class=\"t s9_89\" id=\"tk_89\" style=\"left:74px;bottom:602px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">process. As a result of this rigorous approach, the Group can maintain financial security, </div>\n<div class=\"t s9_89\" id=\"tl_89\" style=\"left:74px;bottom:584px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">produce good outcomes and the fair treatment of customers, and meet the needs of </div>\n<div class=\"t s9_89\" id=\"tm_89\" style=\"left:74px;bottom:565px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">other parties such as shareholders, employees, suppliers and regulators. </div>\n<div class=\"t s9_89\" id=\"tn_89\" style=\"left:74px;bottom:534px;letter-spacing:-0.07px;word-spacing:0.04px;display:inline;\">We review the risk management strategy regularly, particularly after any significant </div>\n<div class=\"t s9_89\" id=\"to_89\" style=\"left:74px;bottom:516px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">change to the change environment and, each year, after the approval of the Group\u2019s </div>\n<div class=\"t s9_89\" id=\"tp_89\" style=\"left:74px;bottom:497px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">strategy and business plans. The most significant financial risks to which the Group </div>\n<div class=\"t s9_89\" id=\"tq_89\" style=\"left:74px;bottom:479px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">and Company are exposed under normal circumstances are described in this section. </div>\n<div class=\"t sa_89\" id=\"tr_89\" style=\"left:74px;bottom:449px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Credit risk </div>\n<div class=\"t s9_89\" id=\"ts_89\" style=\"left:74px;bottom:427px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">The Group\u2019s and Company\u2019s exposure to credit risk includes the carrying value of certain </div>\n<div class=\"t s9_89\" id=\"tt_89\" style=\"left:74px;bottom:408px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">financial assets at the balance sheet date, summarised as follows: </div>\n<div class=\"t sb_89\" id=\"tu_89\" style=\"left:309px;bottom:373px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_89\" id=\"tv_89\" style=\"left:473px;bottom:373px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_89\" id=\"tw_89\" style=\"left:289px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_89\" id=\"tx_89\" style=\"left:284px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"ty_89\" style=\"left:377px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_89\" id=\"tz_89\" style=\"left:371px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"t10_89\" style=\"left:462px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_89\" id=\"t11_89\" style=\"left:457px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"t12_89\" style=\"left:550px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_89\" id=\"t13_89\" style=\"left:544px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_89\" id=\"t14_89\" style=\"left:78px;bottom:312px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Insurance receivables </div><div class=\"t sd_89\" id=\"t15_89\" style=\"left:289px;bottom:312px;letter-spacing:0.31px;display:inline;\">2,391 </div><div class=\"t se_89\" id=\"t16_89\" style=\"left:376px;bottom:312px;letter-spacing:0.22px;display:inline;\">1,665 </div><div class=\"t s4_89\" id=\"t17_89\" style=\"left:485px;bottom:312px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t18_89\" style=\"left:572px;bottom:312px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t19_89\" style=\"left:78px;bottom:290px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Reinsurance assets </div><div class=\"t s4_89\" id=\"t1a_89\" style=\"left:305px;bottom:290px;letter-spacing:0.23px;display:inline;\">95 </div><div class=\"t sf_89\" id=\"t1b_89\" style=\"left:386px;bottom:290px;letter-spacing:0.3px;display:inline;\">108 </div><div class=\"t s4_89\" id=\"t1c_89\" style=\"left:485px;bottom:290px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1d_89\" style=\"left:572px;bottom:290px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1e_89\" style=\"left:78px;bottom:268px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade debtors </div><div class=\"t sd_89\" id=\"t1f_89\" style=\"left:282px;bottom:268px;letter-spacing:0.39px;display:inline;\">11,349 </div><div class=\"t sf_89\" id=\"t1g_89\" style=\"left:370px;bottom:268px;letter-spacing:0.19px;display:inline;\">10,592 </div><div class=\"t s4_89\" id=\"t1h_89\" style=\"left:485px;bottom:268px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1i_89\" style=\"left:572px;bottom:268px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1j_89\" style=\"left:78px;bottom:246px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Accrued interest </div><div class=\"t sd_89\" id=\"t1k_89\" style=\"left:305px;bottom:246px;letter-spacing:0.55px;display:inline;\">14 </div><div class=\"t sf_89\" id=\"t1l_89\" style=\"left:392px;bottom:246px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t s4_89\" id=\"t1m_89\" style=\"left:485px;bottom:246px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1n_89\" style=\"left:572px;bottom:246px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1o_89\" style=\"left:78px;bottom:223px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Cash and cash equivalents </div><div class=\"t sd_89\" id=\"t1p_89\" style=\"left:283px;bottom:223px;letter-spacing:0.27px;display:inline;\">16,958 </div><div class=\"t sf_89\" id=\"t1q_89\" style=\"left:370px;bottom:223px;letter-spacing:0.2px;display:inline;\">20,291 </div><div class=\"t sd_89\" id=\"t1r_89\" style=\"left:472px;bottom:223px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t se_89\" id=\"t1s_89\" style=\"left:559px;bottom:223px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t sc_89\" id=\"t1t_89\" style=\"left:78px;bottom:201px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Equity investments </div><div class=\"t sd_89\" id=\"t1u_89\" style=\"left:288px;bottom:201px;letter-spacing:0.42px;display:inline;\">1,290 </div><div class=\"t se_89\" id=\"t1v_89\" style=\"left:398px;bottom:201px;display:inline;\">\u2013 </div><div class=\"t s4_89\" id=\"t1w_89\" style=\"left:485px;bottom:201px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1x_89\" style=\"left:572px;bottom:201px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1y_89\" style=\"left:78px;bottom:179px;letter-spacing:0.1px;display:inline;\">Bank deposits </div><div class=\"t sd_89\" id=\"t1z_89\" style=\"left:289px;bottom:179px;letter-spacing:0.16px;display:inline;\">1,741 </div><div class=\"t sf_89\" id=\"t20_89\" style=\"left:376px;bottom:179px;letter-spacing:0.29px;display:inline;\">2,596 </div><div class=\"t s4_89\" id=\"t21_89\" style=\"left:485px;bottom:179px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t22_89\" style=\"left:572px;bottom:179px;display:inline;\">\u2013 </div>\n<div class=\"t s4_89\" id=\"t23_89\" style=\"left:78px;bottom:157px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Total credit risk </div><div class=\"t sd_89\" id=\"t24_89\" style=\"left:283px;bottom:157px;letter-spacing:0.25px;display:inline;\">33,838 </div><div class=\"t sf_89\" id=\"t25_89\" style=\"left:370px;bottom:157px;letter-spacing:0.17px;display:inline;\">35,262 </div><div class=\"t sd_89\" id=\"t26_89\" style=\"left:472px;bottom:157px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t se_89\" id=\"t27_89\" style=\"left:559px;bottom:157px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t s9_89\" id=\"t28_89\" style=\"left:621px;bottom:768px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">A large proportion of the Group\u2019s revenue is generated from the sale of insurance </div>\n<div class=\"t s9_89\" id=\"t29_89\" style=\"left:621px;bottom:750px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">policies to individual customers, with most of the premiums collected, and paid over </div>\n<div class=\"t s9_89\" id=\"t2a_89\" style=\"left:621px;bottom:731px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">to the Group, by the individuals\u2019 employer via payroll deduction. The vast majority of </div>\n<div class=\"t s9_89\" id=\"t2b_89\" style=\"left:621px;bottom:713px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">employers pay over payroll deductions made, within one month, on a regular basis, </div>\n<div class=\"t s9_89\" id=\"t2c_89\" style=\"left:621px;bottom:694px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">thereby minimising the credit risk exposure to the Group. </div>\n<div class=\"t s9_89\" id=\"t2d_89\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Due to the seasonal nature of the PG Let\u2019s Connect business, the year-end receivables </div>\n<div class=\"t s9_89\" id=\"t2e_89\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">balance is heavily weighted towards salary sacrifice goods. These receivables are due </div>\n<div class=\"t s9_89\" id=\"t2f_89\" style=\"left:621px;bottom:627px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">from the employers of the individuals who place the order. The vast majority of these </div>\n<div class=\"t s9_89\" id=\"t2g_89\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">employers pay the receivable balance within two months of receiving the consolidated </div>\n<div class=\"t sg_89\" id=\"t2h_89\" style=\"left:621px;bottom:590px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">invoice for their scheme. Included within trade debtors are \u00a38.2m (2021: \u00a38.4m) relating </div>\n<div class=\"t s9_89\" id=\"t2i_89\" style=\"left:621px;bottom:571px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">to PG Let\u2019s Connect sales. </div>\n<div class=\"t s9_89\" id=\"t2j_89\" style=\"left:621px;bottom:540px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">The use of payroll deductions by a \u201chost company employer\u201d would not be permitted </div>\n<div class=\"t s9_89\" id=\"t2k_89\" style=\"left:621px;bottom:522px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">where the Board believed there may be a significant credit risk. Receivables past their </div>\n<div class=\"t sg_89\" id=\"t2l_89\" style=\"left:621px;bottom:503px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">due date are summarised within Note 19. The credit risk for liquid funds and other short- </div>\n<div class=\"t s9_89\" id=\"t2m_89\" style=\"left:621px;bottom:485px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">term financial assets is considered negligible, since the counterparties are all regulated </div>\n<div class=\"t s9_89\" id=\"t2n_89\" style=\"left:621px;bottom:467px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">in the UK by the PRA. </div>\n<div class=\"t sg_89\" id=\"t2o_89\" style=\"left:621px;bottom:436px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">At 31 December 2022 the counterparties were as follows: The Co-operative Bank plc, </div>\n<div class=\"t s9_89\" id=\"t2p_89\" style=\"left:621px;bottom:417px;letter-spacing:-0.03px;display:inline;\">Santander UK plc, HSBC Bank Plc, Lloyds Bank Plc, Close Brothers Ltd and Aberdeen </div>\n<div class=\"t s9_89\" id=\"t2q_89\" style=\"left:621px;bottom:399px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">Standard Investments. Long-term rate credit ratings for these counterparties range from </div>\n<div class=\"t s9_89\" id=\"t2r_89\" style=\"left:621px;bottom:380px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">AA to B (ratings sourced from Fitch, and Standard &amp; Poor\u2019s) (2020: AA to B rating range). </div>\n<div class=\"t s9_89\" id=\"t2s_89\" style=\"left:621px;bottom:349px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">The Group is also exposed to the recoverability of receivables from reinsurers. </div>\n<div class=\"t sg_89\" id=\"t2t_89\" style=\"left:621px;bottom:331px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">At 31\u00a0December 2022, the Group utilised two reinsurances counterparties, namely, </div>\n<div class=\"t s9_89\" id=\"t2u_89\" style=\"left:621px;bottom:312px;letter-spacing:-0.29px;word-spacing:-0.01px;display:inline;\">Swiss Re Europe S.A., United Kingdom Branch and AXA XL Insurance Life Syndicate 3002. </div>\n<div class=\"t s9_89\" id=\"t2v_89\" style=\"left:621px;bottom:294px;letter-spacing:-0.05px;word-spacing:-0.13px;display:inline;\">Credit ratings for this reinsurer range from A+ to AA. </div>\n<div class=\"t sg_89\" id=\"t2w_89\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">All subsidiary undertakings are 100% owned by the Company or subsidiaries thereof. </div>\n<div class=\"t s9_89\" id=\"t2x_89\" style=\"left:621px;bottom:245px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">There is at least one Director of Personal Group Holdings on each of the larger subsidiary </div>\n<div class=\"t s9_89\" id=\"t2y_89\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">companies\u2019 Boards and all operations are controlled from within the registered office </div>\n<div class=\"t s9_89\" id=\"t2z_89\" style=\"left:621px;bottom:208px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">in Milton Keynes. The Company Directors have a good understanding of the operational </div>\n<div class=\"t s9_89\" id=\"t30_89\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">performance of each of the subsidiary undertakings. The Company Directors are satisfied </div>\n<div class=\"t s9_89\" id=\"t31_89\" style=\"left:621px;bottom:171px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">that the subsidiary undertakings have sufficient future income streams to enable the </div>\n<div class=\"t s9_89\" id=\"t32_89\" style=\"left:621px;bottom:153px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">liabilities to be repaid in full in the foreseeable future. </div>\n<div class=\"t s9_89\" id=\"t33_89\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Information relating to the fair value measurement of financial assets can be found </div>\n<div class=\"t sg_89\" id=\"t34_89\" style=\"left:621px;bottom:103px;letter-spacing:-0.12px;word-spacing:0.12px;display:inline;\">in Note 17. </div><div></div><div class=\"t s1_90\" id=\"t1_90\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_90\" id=\"t2_90\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_90\" id=\"t3_90\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_90\" id=\"t4_90\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_90\" id=\"t5_90\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_90\" id=\"t6_90\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_90\" id=\"t7_90\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_90\" id=\"t8_90\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_90\" id=\"t9_90\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\">88 </div>\n\n\n<div class=\"t sa_90\" id=\"te_90\" style=\"left:74px;bottom:745px;word-spacing:-0.11px;display:inline;\">Interest rate risk </div>\n<div class=\"t sb_90\" id=\"tf_90\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">The Group is not exposed to any financial liabilities with an interest element aside from </div>\n<div class=\"t sb_90\" id=\"tg_90\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the interest element intrinsic in leases. </div>\n<div class=\"t sb_90\" id=\"th_90\" style=\"left:74px;bottom:673px;letter-spacing:-0.04px;display:inline;\">At 31 December 2022, bank deposits and cash and cash equivalents were \u00a318,700,000 </div>\n<div class=\"t sb_90\" id=\"ti_90\" style=\"left:74px;bottom:654px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">(2021: \u00a322,887,000). If UK interest rates increased by 2%, net finance income would </div>\n<div class=\"t sb_90\" id=\"tj_90\" style=\"left:74px;bottom:636px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">increase by approximately \u00a3374,000 with a corresponding increase to\u00a0equity. </div>\n<div class=\"t sa_90\" id=\"tk_90\" style=\"left:74px;bottom:606px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">Market risk </div>\n<div class=\"t sb_90\" id=\"tl_90\" style=\"left:74px;bottom:584px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The Group is exposed to market risk, in the form of equity price risk, in respect of its </div>\n<div class=\"t sb_90\" id=\"tm_90\" style=\"left:74px;bottom:565px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">equity investments in managed funds which are invested in worldwide equities and so </div>\n<div class=\"t sb_90\" id=\"tn_90\" style=\"left:74px;bottom:547px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">are valued via directly observable inputs (level 1 inputs). The assets are measured at fair </div>\n<div class=\"t sb_90\" id=\"to_90\" style=\"left:74px;bottom:527px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">value through profit and loss. </div>\n<div class=\"t sa_90\" id=\"tp_90\" style=\"left:74px;bottom:497px;letter-spacing:0.02px;word-spacing:-0.13px;display:inline;\">Liquidity risk </div>\n<div class=\"t sb_90\" id=\"tq_90\" style=\"left:74px;bottom:475px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">Cash balances are managed internally by the Financial Controller and amounts are </div>\n<div class=\"t sb_90\" id=\"tr_90\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;display:inline;\">placed on short-term deposits (currently not exceeding six months) to ensure that </div>\n<div class=\"t sb_90\" id=\"ts_90\" style=\"left:74px;bottom:436px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">sufficient funds are available at all times to pay all liabilities as and when they fall due. </div>\n<div class=\"t sb_90\" id=\"tt_90\" style=\"left:74px;bottom:405px;letter-spacing:-0.03px;display:inline;\">As at 31 December 2022, the Group\u2019s and Company\u2019s liabilities have contractual </div>\n<div class=\"t sb_90\" id=\"tu_90\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">maturities (including interest payments where applicable) as summarised\u00a0below: </div>\n<div class=\"t sc_90\" id=\"tv_90\" style=\"left:267px;bottom:335px;letter-spacing:-0.01px;display:inline;\">Within 6 </div>\n<div class=\"t sc_90\" id=\"tw_90\" style=\"left:272px;bottom:319px;letter-spacing:-0.01px;display:inline;\">months </div>\n<div class=\"t sc_90\" id=\"tx_90\" style=\"left:284px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"ty_90\" style=\"left:356px;bottom:335px;letter-spacing:-0.05px;display:inline;\">6\u201312 </div>\n<div class=\"t sc_90\" id=\"tz_90\" style=\"left:337px;bottom:319px;letter-spacing:-0.01px;display:inline;\">months </div>\n<div class=\"t sc_90\" id=\"t10_90\" style=\"left:349px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t11_90\" style=\"left:394px;bottom:319px;letter-spacing:-0.03px;word-spacing:-0.3px;display:inline;\">1\u20135 years </div>\n<div class=\"t sc_90\" id=\"t12_90\" style=\"left:414px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t13_90\" style=\"left:483px;bottom:351px;letter-spacing:-0.03px;display:inline;\">Non- </div>\n<div class=\"t sc_90\" id=\"t14_90\" style=\"left:486px;bottom:335px;letter-spacing:-0.01px;display:inline;\">cash </div>\n<div class=\"t sc_90\" id=\"t15_90\" style=\"left:474px;bottom:319px;display:inline;\">items* </div>\n<div class=\"t sc_90\" id=\"t16_90\" style=\"left:479px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t17_90\" style=\"left:548px;bottom:319px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sc_90\" id=\"t18_90\" style=\"left:544px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_90\" id=\"t19_90\" style=\"left:78px;bottom:281px;letter-spacing:0.11px;display:inline;\">Group </div>\n<div class=\"t sd_90\" id=\"t1a_90\" style=\"left:78px;bottom:259px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div>\n<div class=\"t sd_90\" id=\"t1b_90\" style=\"left:78px;bottom:237px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t se_90\" id=\"t1c_90\" style=\"left:282px;bottom:237px;letter-spacing:0.29px;display:inline;\">10,422 </div><div class=\"t se_90\" id=\"t1d_90\" style=\"left:364px;bottom:237px;letter-spacing:0.4px;display:inline;\">186 </div><div class=\"t s4_90\" id=\"t1e_90\" style=\"left:441px;bottom:237px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1f_90\" style=\"left:494px;bottom:237px;letter-spacing:0.4px;display:inline;\">868 </div><div class=\"t se_90\" id=\"t1g_90\" style=\"left:542px;bottom:237px;letter-spacing:0.28px;display:inline;\">11,476 </div>\n<div class=\"t sd_90\" id=\"t1h_90\" style=\"left:78px;bottom:215px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Insurance contract liabilities </div><div class=\"t se_90\" id=\"t1i_90\" style=\"left:289px;bottom:215px;letter-spacing:0.33px;display:inline;\">2,321 </div><div class=\"t s4_90\" id=\"t1j_90\" style=\"left:377px;bottom:215px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t1k_90\" style=\"left:441px;bottom:215px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1l_90\" style=\"left:483px;bottom:215px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t se_90\" id=\"t1m_90\" style=\"left:550px;bottom:215px;letter-spacing:0.09px;display:inline;\">3,474 </div>\n<div class=\"t s4_90\" id=\"t1n_90\" style=\"left:78px;bottom:192px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t se_90\" id=\"t1o_90\" style=\"left:283px;bottom:192px;letter-spacing:0.17px;display:inline;\">12,743 </div><div class=\"t se_90\" id=\"t1p_90\" style=\"left:364px;bottom:192px;letter-spacing:0.4px;display:inline;\">186 </div><div class=\"t s4_90\" id=\"t1q_90\" style=\"left:441px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1r_90\" style=\"left:484px;bottom:192px;letter-spacing:0.32px;display:inline;\">2,021 </div><div class=\"t se_90\" id=\"t1s_90\" style=\"left:542px;bottom:192px;letter-spacing:0.35px;display:inline;\">14,950 </div>\n<div class=\"t sd_90\" id=\"t1t_90\" style=\"left:78px;bottom:170px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div>\n<div class=\"t sd_90\" id=\"t1u_90\" style=\"left:78px;bottom:148px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t sf_90\" id=\"t1v_90\" style=\"left:283px;bottom:148px;letter-spacing:0.28px;display:inline;\">11,535 </div><div class=\"t sf_90\" id=\"t1w_90\" style=\"left:364px;bottom:148px;letter-spacing:0.32px;display:inline;\">182 </div><div class=\"t sg_90\" id=\"t1x_90\" style=\"left:442px;bottom:148px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t1y_90\" style=\"left:495px;bottom:148px;letter-spacing:-0.19px;display:inline;\">743 </div><div class=\"t sf_90\" id=\"t1z_90\" style=\"left:542px;bottom:148px;letter-spacing:0.34px;display:inline;\">12,460 </div>\n<div class=\"t sd_90\" id=\"t20_90\" style=\"left:78px;bottom:126px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Insurance contract liabilities </div><div class=\"t sf_90\" id=\"t21_90\" style=\"left:289px;bottom:126px;letter-spacing:0.3px;display:inline;\">2,188 </div><div class=\"t sg_90\" id=\"t22_90\" style=\"left:377px;bottom:126px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t23_90\" style=\"left:442px;bottom:126px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t24_90\" style=\"left:494px;bottom:126px;letter-spacing:0.39px;display:inline;\">899 </div><div class=\"t sf_90\" id=\"t25_90\" style=\"left:550px;bottom:126px;letter-spacing:0.16px;display:inline;\">3,087 </div>\n<div class=\"t s4_90\" id=\"t26_90\" style=\"left:78px;bottom:104px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t sf_90\" id=\"t27_90\" style=\"left:283px;bottom:104px;letter-spacing:0.16px;display:inline;\">13,723 </div><div class=\"t sf_90\" id=\"t28_90\" style=\"left:364px;bottom:104px;letter-spacing:0.32px;display:inline;\">182 </div><div class=\"t sg_90\" id=\"t29_90\" style=\"left:442px;bottom:104px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t2a_90\" style=\"left:484px;bottom:104px;letter-spacing:0.2px;display:inline;\">1,642 </div><div class=\"t sf_90\" id=\"t2b_90\" style=\"left:543px;bottom:104px;letter-spacing:0.26px;display:inline;\">15,547 </div>\n<div class=\"t s4_90\" id=\"t2c_90\" style=\"left:626px;bottom:762px;letter-spacing:0.1px;display:inline;\">Company </div>\n<div class=\"t sd_90\" id=\"t2d_90\" style=\"left:626px;bottom:740px;letter-spacing:0.36px;word-spacing:-0.13px;display:inline;\">At 31 December 2022 </div>\n<div class=\"t sd_90\" id=\"t2e_90\" style=\"left:626px;bottom:718px;letter-spacing:0.38px;word-spacing:-0.14px;display:inline;\">Amounts owed to Group </div>\n<div class=\"t sd_90\" id=\"t2f_90\" style=\"left:626px;bottom:700px;letter-spacing:0.46px;display:inline;\">undertakings </div><div class=\"t se_90\" id=\"t2g_90\" style=\"left:847px;bottom:700px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t s4_90\" id=\"t2h_90\" style=\"left:924px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2i_90\" style=\"left:989px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2j_90\" style=\"left:1054px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t2k_90\" style=\"left:1107px;bottom:700px;letter-spacing:0.22px;display:inline;\">431 </div>\n<div class=\"t s4_90\" id=\"t2l_90\" style=\"left:626px;bottom:678px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t se_90\" id=\"t2m_90\" style=\"left:847px;bottom:678px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t s4_90\" id=\"t2n_90\" style=\"left:924px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2o_90\" style=\"left:989px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2p_90\" style=\"left:1054px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t2q_90\" style=\"left:1107px;bottom:678px;letter-spacing:0.22px;display:inline;\">431 </div>\n<div class=\"t sd_90\" id=\"t2r_90\" style=\"left:626px;bottom:634px;letter-spacing:0.36px;word-spacing:-0.13px;display:inline;\">At 31 December 2022 </div><div class=\"t sf_90\" id=\"t2s_90\" style=\"left:846px;bottom:634px;letter-spacing:0.44px;display:inline;\">257 </div><div class=\"t sg_90\" id=\"t2t_90\" style=\"left:924px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t2u_90\" style=\"left:989px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t2v_90\" style=\"left:1054px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t2w_90\" style=\"left:1106px;bottom:634px;letter-spacing:0.44px;display:inline;\">257 </div>\n<div class=\"t sd_90\" id=\"t2x_90\" style=\"left:626px;bottom:612px;letter-spacing:0.39px;word-spacing:-0.15px;display:inline;\">Amounts owed to subsidiary </div>\n<div class=\"t sd_90\" id=\"t2y_90\" style=\"left:626px;bottom:594px;letter-spacing:0.46px;display:inline;\">undertakings </div><div class=\"t sf_90\" id=\"t2z_90\" style=\"left:847px;bottom:594px;letter-spacing:0.32px;display:inline;\">257 </div><div class=\"t sg_90\" id=\"t30_90\" style=\"left:924px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t31_90\" style=\"left:989px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t32_90\" style=\"left:1054px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t33_90\" style=\"left:1107px;bottom:594px;letter-spacing:0.32px;display:inline;\">257 </div>\n<div class=\"t sh_90\" id=\"t34_90\" style=\"left:621px;bottom:563px;display:inline;\">* </div><div class=\"t sh_90\" id=\"t35_90\" style=\"left:634px;bottom:563px;letter-spacing:0.14px;word-spacing:-0.18px;display:inline;\">Non-cash items relate to unearned premiums or unearned revenue across the different business segments. </div>\n<div class=\"t sa_90\" id=\"t36_90\" style=\"left:621px;bottom:531px;letter-spacing:0.01px;word-spacing:-0.14px;display:inline;\">Currency risk </div>\n<div class=\"t sb_90\" id=\"t37_90\" style=\"left:621px;bottom:509px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">The Group is not exposed to any currency risk as all business is conducted in GBP and all </div>\n<div class=\"t sb_90\" id=\"t38_90\" style=\"left:621px;bottom:490px;letter-spacing:-0.03px;display:inline;\">bank accounts were held in GBP in both 2022 and 2021. </div>\n<div class=\"t sa_90\" id=\"t39_90\" style=\"left:621px;bottom:460px;word-spacing:-0.12px;display:inline;\">Insurance claim and related risks </div>\n<div class=\"t sb_90\" id=\"t3a_90\" style=\"left:621px;bottom:438px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">During the year, Personal Assurance Plc (PA) underwrote two categories of business and </div>\n<div class=\"t sb_90\" id=\"t3b_90\" style=\"left:621px;bottom:420px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">Personal Assurance (Guernsey) Ltd (PAGL) a further two categories, which are described </div>\n<div class=\"t sb_90\" id=\"t3c_90\" style=\"left:621px;bottom:401px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">in detail below: </div>\n<div class=\"t sa_90\" id=\"t3d_90\" style=\"left:621px;bottom:371px;word-spacing:-0.11px;display:inline;\">Hospital cash plans and other personal accident and sickness policies </div>\n<div class=\"t sb_90\" id=\"t3e_90\" style=\"left:621px;bottom:349px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">These have been PA\u2019s core products since 1984 and, at 31 December 2022, represent </div>\n<div class=\"t sb_90\" id=\"t3f_90\" style=\"left:621px;bottom:330px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">99.1% (2021: 98.8%) of PA\u2019s gross premiums written. The vast majority of these policies </div>\n<div class=\"t sb_90\" id=\"t3g_90\" style=\"left:621px;bottom:312px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">are sold to individuals at their place of work as part of an employee benefits package </div>\n<div class=\"t sb_90\" id=\"t3h_90\" style=\"left:621px;bottom:294px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">introduced by PGH on behalf of the employer. The gross loss ratio (excluding claims </div>\n<div class=\"t sb_90\" id=\"t3i_90\" style=\"left:621px;bottom:275px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">handling costs) on these policies at 31 December 2021 was 26.4% (2021: 19.2%). While the </div>\n<div class=\"t sb_90\" id=\"t3j_90\" style=\"left:621px;bottom:257px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">loss ratio has increased year on year, historic losses have been consistent over the period </div>\n<div class=\"t sb_90\" id=\"t3k_90\" style=\"left:621px;bottom:239px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">of time that these policies have been underwritten and therefore the Board has taken </div>\n<div class=\"t sb_90\" id=\"t3l_90\" style=\"left:621px;bottom:220px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">the decision to continue to accept the underwriting risk in full and not to use reinsurance </div>\n<div class=\"t sb_90\" id=\"t3m_90\" style=\"left:621px;bottom:202px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">as a way of managing insurance claim risk. This will continue to be reviewed to ensure </div>\n<div class=\"t sb_90\" id=\"t3n_90\" style=\"left:621px;bottom:184px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">that this remains appropriate going forward. </div>\n<div class=\"t sb_90\" id=\"t3o_90\" style=\"left:621px;bottom:152px;letter-spacing:-0.03px;display:inline;\">At present the maximum payable on any one single claim is \u00a391,375 (2021: \u00a391,375) </div>\n<div class=\"t sb_90\" id=\"t3p_90\" style=\"left:621px;bottom:134px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">and would only be payable after a period of hospital confinement of two years. The </div>\n<div class=\"t sb_90\" id=\"t3q_90\" style=\"left:621px;bottom:116px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">total number of these individual policies in force at 31 December 2022 was 174,887 </div>\n<div class=\"t sb_90\" id=\"t3r_90\" style=\"left:621px;bottom:97px;letter-spacing:-0.3px;word-spacing:-0.08px;display:inline;\">(2021:\u00a0172,829) and the total annualised premium value of these policies was \u00a320,720,000 </div>\n<div class=\"t sb_90\" id=\"t3s_90\" style=\"left:621px;bottom:79px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">(2021: \u00a319,227,000). The average amount paid per claim in 2022 was \u00a3184 (2021: \u00a3205). </div><div></div><div class=\"t s1_91\" id=\"t1_91\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s2_91\" id=\"t2_91\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s3_91\" id=\"t3_91\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"></div>\n<div class=\"t s1_91\" id=\"t4_91\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s1_91\" id=\"t5_91\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s1_91\" id=\"t6_91\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div>\n<div class=\"t s4_91\" id=\"t7_91\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_91\" id=\"t8_91\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_91\" id=\"t9_91\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"></div>\n\n\n<div class=\"t sa_91\" id=\"te_91\" style=\"left:74px;bottom:745px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Voluntary Group Income Protection policies (VGIP) </div>\n<div class=\"t sb_91\" id=\"tf_91\" style=\"left:74px;bottom:722px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">In July 2012 PA commenced the underwriting of VGIP policies. In order to manage this </div>\n<div class=\"t sb_91\" id=\"tg_91\" style=\"left:74px;bottom:704px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">insurance risk, the Board took out a quota share reinsurance policy to exclusively cover </div>\n<div class=\"t sb_91\" id=\"th_91\" style=\"left:74px;bottom:686px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">this part of the business. Under this reinsurance policy 90% of the value of each claim is </div>\n<div class=\"t sb_91\" id=\"ti_91\" style=\"left:74px;bottom:667px;letter-spacing:-0.08px;word-spacing:-0.06px;display:inline;\">recoverable from the reinsurer. </div>\n<div class=\"t sb_91\" id=\"tj_91\" style=\"left:74px;bottom:636px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">At 31 December 2022 these policies represent 0.9% (2021: 1.2%) of PA\u2019s gross premiums </div>\n<div class=\"t sb_91\" id=\"tk_91\" style=\"left:74px;bottom:618px;letter-spacing:-0.03px;word-spacing:-0.11px;display:inline;\">written. The total annualised premium value of these policies was \u00a3208,000 (2021: </div>\n<div class=\"t sb_91\" id=\"tl_91\" style=\"left:74px;bottom:599px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">\u00a3231,000). The gross loss ratio (excluding claims handling costs) on these policies at </div>\n<div class=\"t sb_91\" id=\"tm_91\" style=\"left:74px;bottom:581px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">31\u00a0December 2022 was 41.1% (2021: 50.8%). The total number of these individual policies </div>\n<div class=\"t sb_91\" id=\"tn_91\" style=\"left:74px;bottom:563px;letter-spacing:-0.17px;word-spacing:-0.01px;display:inline;\">in force at 31 December 2022 was 509 (2021: 674) and the average amount paid per claim </div>\n<div class=\"t sb_91\" id=\"to_91\" style=\"left:74px;bottom:544px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">in 2022 was \u00a38,908 (2021: \u00a311,116). </div>\n<div class=\"t sa_91\" id=\"tp_91\" style=\"left:74px;bottom:514px;word-spacing:-0.12px;display:inline;\">Death benefit policies </div>\n<div class=\"t sb_91\" id=\"tq_91\" style=\"left:74px;bottom:492px;letter-spacing:-0.17px;display:inline;\">Death benefit policies have been underwritten by PAGL since March 2015. These policies </div>\n<div class=\"t sb_91\" id=\"tr_91\" style=\"left:74px;bottom:474px;letter-spacing:-0.17px;word-spacing:-0.06px;display:inline;\">are sold primarily to individuals at their place of work in the same way as the hospital </div>\n<div class=\"t sb_91\" id=\"ts_91\" style=\"left:74px;bottom:455px;letter-spacing:-0.14px;word-spacing:0.01px;display:inline;\">cash\u00a0plans. </div>\n<div class=\"t sb_91\" id=\"tt_91\" style=\"left:74px;bottom:424px;letter-spacing:-0.19px;word-spacing:0.03px;display:inline;\">At 31 December 2022 these policies represent 90% (2021: 89%) of PAGL's gross premiums </div>\n<div class=\"t sb_91\" id=\"tu_91\" style=\"left:74px;bottom:406px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">written. The total annualised premium value of these policies was \u00a37,068,000 (2021: </div>\n<div class=\"t sb_91\" id=\"tv_91\" style=\"left:74px;bottom:387px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">\u00a35,929,000). The gross loss ratio (excluding claims handling costs) on these policies at </div>\n<div class=\"t sb_91\" id=\"tw_91\" style=\"left:74px;bottom:369px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">31 December 2022 was 23.6% (2021: 32.6%). A stop loss reinsurance policy is in place to </div>\n<div class=\"t sb_91\" id=\"tx_91\" style=\"left:74px;bottom:351px;letter-spacing:-0.19px;word-spacing:-0.01px;display:inline;\">cover claims over \u00a33,000,000 at any given location. The total number of these individual </div>\n<div class=\"t sb_91\" id=\"ty_91\" style=\"left:74px;bottom:332px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">policies in force at 31 December 2022 was 54,497 (2021: 62,482) and the average amount </div>\n<div class=\"t sb_91\" id=\"tz_91\" style=\"left:74px;bottom:312px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">paid per death in 2022 was \u00a39,365 (2021: \u00a39,518). </div>\n<div class=\"t sa_91\" id=\"t10_91\" style=\"left:74px;bottom:282px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Employee default policies </div>\n<div class=\"t sb_91\" id=\"t11_91\" style=\"left:74px;bottom:260px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">In February 2020 PAGL commenced the underwriting of employee default policies in </div>\n<div class=\"t sb_91\" id=\"t12_91\" style=\"left:74px;bottom:242px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">relation to salary sacrifice sales made by Let\u2019s Connect. These policies provided cover </div>\n<div class=\"t sb_91\" id=\"t13_91\" style=\"left:74px;bottom:223px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">to Let\u2019s Connect\u2019s largest customer in the event that employees left owing salary </div>\n<div class=\"t sb_91\" id=\"t14_91\" style=\"left:74px;bottom:205px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">sacrifice deductions to their employer and these monies were unable to be recovered </div>\n<div class=\"t sb_91\" id=\"t15_91\" style=\"left:74px;bottom:187px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">by alternative means. </div>\n<div class=\"t sb_91\" id=\"t16_91\" style=\"left:74px;bottom:155px;letter-spacing:-0.19px;word-spacing:0.03px;display:inline;\">At 31 December 2022 these policies represent 10% (2021: 11%) of PAGL\u2019s gross premiums </div>\n<div class=\"t sb_91\" id=\"t17_91\" style=\"left:74px;bottom:137px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">written. The gross loss ratio (excluding claims handling costs) on these policies at </div>\n<div class=\"t sb_91\" id=\"t18_91\" style=\"left:74px;bottom:119px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">31\u00a0December 2022 was 3% (2021: 82.3%) and the average amount paid per individual </div>\n<div class=\"t sb_91\" id=\"t19_91\" style=\"left:74px;bottom:100px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">default in 2022 was \u00a3538 (2021:\u00a0\u00a3750). </div>\n<div class=\"t sa_91\" id=\"t1a_91\" style=\"left:621px;bottom:767px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Group loss ratio </div>\n<div class=\"t sb_91\" id=\"t1b_91\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">For the year ended 31 December 2022 the gross claims ratio of the Group was 26.9% </div>\n<div class=\"t sb_91\" id=\"t1c_91\" style=\"left:621px;bottom:726px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">(2021:\u00a024.9%), by taking claims incurred as a proportion of earned premium. A 2% increase </div>\n<div class=\"t sb_91\" id=\"t1d_91\" style=\"left:621px;bottom:708px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">in the claims ratio would increase claims incurred by approximately \u00a3513,000. </div>\n<div class=\"t sb_91\" id=\"t1e_91\" style=\"left:621px;bottom:677px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">There are no material individual claims and open claims over 12 months old are also </div>\nimmaterial. As a result, the Group has elected to not disclose claims development tables.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10671": {
   "value": "Credit risk <div class=\"t s9_89\" id=\"ts_89\" style=\"left:74px;bottom:427px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">The Group\u2019s and Company\u2019s exposure to credit risk includes the carrying value of certain </div>\n<div class=\"t s9_89\" id=\"tt_89\" style=\"left:74px;bottom:408px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">financial assets at the balance sheet date, summarised as follows: </div>\n<div class=\"t sb_89\" id=\"tu_89\" style=\"left:309px;bottom:373px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_89\" id=\"tv_89\" style=\"left:473px;bottom:373px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_89\" id=\"tw_89\" style=\"left:289px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_89\" id=\"tx_89\" style=\"left:284px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"ty_89\" style=\"left:377px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_89\" id=\"tz_89\" style=\"left:371px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"t10_89\" style=\"left:462px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_89\" id=\"t11_89\" style=\"left:457px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_89\" id=\"t12_89\" style=\"left:550px;bottom:350px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_89\" id=\"t13_89\" style=\"left:544px;bottom:334px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_89\" id=\"t14_89\" style=\"left:78px;bottom:312px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Insurance receivables </div><div class=\"t sd_89\" id=\"t15_89\" style=\"left:289px;bottom:312px;letter-spacing:0.31px;display:inline;\">2,391 </div><div class=\"t se_89\" id=\"t16_89\" style=\"left:376px;bottom:312px;letter-spacing:0.22px;display:inline;\">1,665 </div><div class=\"t s4_89\" id=\"t17_89\" style=\"left:485px;bottom:312px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t18_89\" style=\"left:572px;bottom:312px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t19_89\" style=\"left:78px;bottom:290px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Reinsurance assets </div><div class=\"t s4_89\" id=\"t1a_89\" style=\"left:305px;bottom:290px;letter-spacing:0.23px;display:inline;\">95 </div><div class=\"t sf_89\" id=\"t1b_89\" style=\"left:386px;bottom:290px;letter-spacing:0.3px;display:inline;\">108 </div><div class=\"t s4_89\" id=\"t1c_89\" style=\"left:485px;bottom:290px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1d_89\" style=\"left:572px;bottom:290px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1e_89\" style=\"left:78px;bottom:268px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade debtors </div><div class=\"t sd_89\" id=\"t1f_89\" style=\"left:282px;bottom:268px;letter-spacing:0.39px;display:inline;\">11,349 </div><div class=\"t sf_89\" id=\"t1g_89\" style=\"left:370px;bottom:268px;letter-spacing:0.19px;display:inline;\">10,592 </div><div class=\"t s4_89\" id=\"t1h_89\" style=\"left:485px;bottom:268px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1i_89\" style=\"left:572px;bottom:268px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1j_89\" style=\"left:78px;bottom:246px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Accrued interest </div><div class=\"t sd_89\" id=\"t1k_89\" style=\"left:305px;bottom:246px;letter-spacing:0.55px;display:inline;\">14 </div><div class=\"t sf_89\" id=\"t1l_89\" style=\"left:392px;bottom:246px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t s4_89\" id=\"t1m_89\" style=\"left:485px;bottom:246px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1n_89\" style=\"left:572px;bottom:246px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1o_89\" style=\"left:78px;bottom:223px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Cash and cash equivalents </div><div class=\"t sd_89\" id=\"t1p_89\" style=\"left:283px;bottom:223px;letter-spacing:0.27px;display:inline;\">16,958 </div><div class=\"t sf_89\" id=\"t1q_89\" style=\"left:370px;bottom:223px;letter-spacing:0.2px;display:inline;\">20,291 </div><div class=\"t sd_89\" id=\"t1r_89\" style=\"left:472px;bottom:223px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t se_89\" id=\"t1s_89\" style=\"left:559px;bottom:223px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t sc_89\" id=\"t1t_89\" style=\"left:78px;bottom:201px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Equity investments </div><div class=\"t sd_89\" id=\"t1u_89\" style=\"left:288px;bottom:201px;letter-spacing:0.42px;display:inline;\">1,290 </div><div class=\"t se_89\" id=\"t1v_89\" style=\"left:398px;bottom:201px;display:inline;\">\u2013 </div><div class=\"t s4_89\" id=\"t1w_89\" style=\"left:485px;bottom:201px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t1x_89\" style=\"left:572px;bottom:201px;display:inline;\">\u2013 </div>\n<div class=\"t sc_89\" id=\"t1y_89\" style=\"left:78px;bottom:179px;letter-spacing:0.1px;display:inline;\">Bank deposits </div><div class=\"t sd_89\" id=\"t1z_89\" style=\"left:289px;bottom:179px;letter-spacing:0.16px;display:inline;\">1,741 </div><div class=\"t sf_89\" id=\"t20_89\" style=\"left:376px;bottom:179px;letter-spacing:0.29px;display:inline;\">2,596 </div><div class=\"t s4_89\" id=\"t21_89\" style=\"left:485px;bottom:179px;display:inline;\">\u2013 </div><div class=\"t se_89\" id=\"t22_89\" style=\"left:572px;bottom:179px;display:inline;\">\u2013 </div>\n<div class=\"t s4_89\" id=\"t23_89\" style=\"left:78px;bottom:157px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Total credit risk </div><div class=\"t sd_89\" id=\"t24_89\" style=\"left:283px;bottom:157px;letter-spacing:0.25px;display:inline;\">33,838 </div><div class=\"t sf_89\" id=\"t25_89\" style=\"left:370px;bottom:157px;letter-spacing:0.17px;display:inline;\">35,262 </div><div class=\"t sd_89\" id=\"t26_89\" style=\"left:472px;bottom:157px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t se_89\" id=\"t27_89\" style=\"left:559px;bottom:157px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t s9_89\" id=\"t28_89\" style=\"left:621px;bottom:768px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">A large proportion of the Group\u2019s revenue is generated from the sale of insurance </div>\n<div class=\"t s9_89\" id=\"t29_89\" style=\"left:621px;bottom:750px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">policies to individual customers, with most of the premiums collected, and paid over </div>\n<div class=\"t s9_89\" id=\"t2a_89\" style=\"left:621px;bottom:731px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">to the Group, by the individuals\u2019 employer via payroll deduction. The vast majority of </div>\n<div class=\"t s9_89\" id=\"t2b_89\" style=\"left:621px;bottom:713px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">employers pay over payroll deductions made, within one month, on a regular basis, </div>\n<div class=\"t s9_89\" id=\"t2c_89\" style=\"left:621px;bottom:694px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">thereby minimising the credit risk exposure to the Group. </div>\n<div class=\"t s9_89\" id=\"t2d_89\" style=\"left:621px;bottom:663px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">Due to the seasonal nature of the PG Let\u2019s Connect business, the year-end receivables </div>\n<div class=\"t s9_89\" id=\"t2e_89\" style=\"left:621px;bottom:645px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">balance is heavily weighted towards salary sacrifice goods. These receivables are due </div>\n<div class=\"t s9_89\" id=\"t2f_89\" style=\"left:621px;bottom:627px;letter-spacing:-0.04px;word-spacing:-0.1px;display:inline;\">from the employers of the individuals who place the order. The vast majority of these </div>\n<div class=\"t s9_89\" id=\"t2g_89\" style=\"left:621px;bottom:608px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">employers pay the receivable balance within two months of receiving the consolidated </div>\n<div class=\"t sg_89\" id=\"t2h_89\" style=\"left:621px;bottom:590px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">invoice for their scheme. Included within trade debtors are \u00a38.2m (2021: \u00a38.4m) relating </div>\n<div class=\"t s9_89\" id=\"t2i_89\" style=\"left:621px;bottom:571px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">to PG Let\u2019s Connect sales. </div>\n<div class=\"t s9_89\" id=\"t2j_89\" style=\"left:621px;bottom:540px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">The use of payroll deductions by a \u201chost company employer\u201d would not be permitted </div>\n<div class=\"t s9_89\" id=\"t2k_89\" style=\"left:621px;bottom:522px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">where the Board believed there may be a significant credit risk. Receivables past their </div>\n<div class=\"t sg_89\" id=\"t2l_89\" style=\"left:621px;bottom:503px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">due date are summarised within Note 19. The credit risk for liquid funds and other short- </div>\n<div class=\"t s9_89\" id=\"t2m_89\" style=\"left:621px;bottom:485px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">term financial assets is considered negligible, since the counterparties are all regulated </div>\n<div class=\"t s9_89\" id=\"t2n_89\" style=\"left:621px;bottom:467px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">in the UK by the PRA. </div>\n<div class=\"t sg_89\" id=\"t2o_89\" style=\"left:621px;bottom:436px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">At 31 December 2022 the counterparties were as follows: The Co-operative Bank plc, </div>\n<div class=\"t s9_89\" id=\"t2p_89\" style=\"left:621px;bottom:417px;letter-spacing:-0.03px;display:inline;\">Santander UK plc, HSBC Bank Plc, Lloyds Bank Plc, Close Brothers Ltd and Aberdeen </div>\n<div class=\"t s9_89\" id=\"t2q_89\" style=\"left:621px;bottom:399px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">Standard Investments. Long-term rate credit ratings for these counterparties range from </div>\n<div class=\"t s9_89\" id=\"t2r_89\" style=\"left:621px;bottom:380px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">AA to B (ratings sourced from Fitch, and Standard &amp; Poor\u2019s) (2020: AA to B rating range). </div>\n<div class=\"t s9_89\" id=\"t2s_89\" style=\"left:621px;bottom:349px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">The Group is also exposed to the recoverability of receivables from reinsurers. </div>\n<div class=\"t sg_89\" id=\"t2t_89\" style=\"left:621px;bottom:331px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">At 31\u00a0December 2022, the Group utilised two reinsurances counterparties, namely, </div>\n<div class=\"t s9_89\" id=\"t2u_89\" style=\"left:621px;bottom:312px;letter-spacing:-0.29px;word-spacing:-0.01px;display:inline;\">Swiss Re Europe S.A., United Kingdom Branch and AXA XL Insurance Life Syndicate 3002. </div>\n<div class=\"t s9_89\" id=\"t2v_89\" style=\"left:621px;bottom:294px;letter-spacing:-0.05px;word-spacing:-0.13px;display:inline;\">Credit ratings for this reinsurer range from A+ to AA. </div>\n<div class=\"t sg_89\" id=\"t2w_89\" style=\"left:621px;bottom:263px;letter-spacing:-0.05px;display:inline;\">All subsidiary undertakings are 100% owned by the Company or subsidiaries thereof. </div>\n<div class=\"t s9_89\" id=\"t2x_89\" style=\"left:621px;bottom:245px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">There is at least one Director of Personal Group Holdings on each of the larger subsidiary </div>\n<div class=\"t s9_89\" id=\"t2y_89\" style=\"left:621px;bottom:226px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">companies\u2019 Boards and all operations are controlled from within the registered office </div>\n<div class=\"t s9_89\" id=\"t2z_89\" style=\"left:621px;bottom:208px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">in Milton Keynes. The Company Directors have a good understanding of the operational </div>\n<div class=\"t s9_89\" id=\"t30_89\" style=\"left:621px;bottom:189px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">performance of each of the subsidiary undertakings. The Company Directors are satisfied </div>\n<div class=\"t s9_89\" id=\"t31_89\" style=\"left:621px;bottom:171px;letter-spacing:-0.02px;word-spacing:-0.06px;display:inline;\">that the subsidiary undertakings have sufficient future income streams to enable the </div>\n<div class=\"t s9_89\" id=\"t32_89\" style=\"left:621px;bottom:153px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">liabilities to be repaid in full in the foreseeable future. </div>\n<div class=\"t s9_89\" id=\"t33_89\" style=\"left:621px;bottom:121px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Information relating to the fair value measurement of financial assets can be found </div>\n<div class=\"t sg_89\" id=\"t34_89\" style=\"left:621px;bottom:103px;letter-spacing:-0.12px;word-spacing:0.12px;display:inline;\">in Note 17. </div><div></div><div class=\"t s1_90\" id=\"t1_90\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_90\" id=\"t2_90\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_90\" id=\"t3_90\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_90\" id=\"t4_90\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_90\" id=\"t5_90\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_90\" id=\"t6_90\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_90\" id=\"t7_90\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_90\" id=\"t8_90\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_90\" id=\"t9_90\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\">88 </div>\n\n\n<div class=\"t sa_90\" id=\"te_90\" style=\"left:74px;bottom:745px;word-spacing:-0.11px;display:inline;\">Interest rate risk </div>\n<div class=\"t sb_90\" id=\"tf_90\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">The Group is not exposed to any financial liabilities with an interest element aside from </div>\n<div class=\"t sb_90\" id=\"tg_90\" style=\"left:74px;bottom:704px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">the interest element intrinsic in leases. </div>\n<div class=\"t sb_90\" id=\"th_90\" style=\"left:74px;bottom:673px;letter-spacing:-0.04px;display:inline;\">At 31 December 2022, bank deposits and cash and cash equivalents were \u00a318,700,000 </div>\n<div class=\"t sb_90\" id=\"ti_90\" style=\"left:74px;bottom:654px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">(2021: \u00a322,887,000). If UK interest rates increased by 2%, net finance income would </div>\nincrease by approximately \u00a3374,000 with a corresponding increase to\u00a0equity.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10807": {
   "value": "Market risk <div class=\"t sb_90\" id=\"tl_90\" style=\"left:74px;bottom:584px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The Group is exposed to market risk, in the form of equity price risk, in respect of its </div>\n<div class=\"t sb_90\" id=\"tm_90\" style=\"left:74px;bottom:565px;letter-spacing:-0.16px;word-spacing:-0.04px;display:inline;\">equity investments in managed funds which are invested in worldwide equities and so </div>\n<div class=\"t sb_90\" id=\"tn_90\" style=\"left:74px;bottom:547px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">are valued via directly observable inputs (level 1 inputs). The assets are measured at fair </div>\nvalue through profit and loss.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10815": {
   "value": "Liquidity risk <div class=\"t sb_90\" id=\"tq_90\" style=\"left:74px;bottom:475px;letter-spacing:-0.05px;word-spacing:0.02px;display:inline;\">Cash balances are managed internally by the Financial Controller and amounts are </div>\n<div class=\"t sb_90\" id=\"tr_90\" style=\"left:74px;bottom:456px;letter-spacing:-0.05px;display:inline;\">placed on short-term deposits (currently not exceeding six months) to ensure that </div>\n<div class=\"t sb_90\" id=\"ts_90\" style=\"left:74px;bottom:436px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">sufficient funds are available at all times to pay all liabilities as and when they fall due. </div>\n<div class=\"t sb_90\" id=\"tt_90\" style=\"left:74px;bottom:405px;letter-spacing:-0.03px;display:inline;\">As at 31 December 2022, the Group\u2019s and Company\u2019s liabilities have contractual </div>\n<div class=\"t sb_90\" id=\"tu_90\" style=\"left:74px;bottom:387px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">maturities (including interest payments where applicable) as summarised\u00a0below: </div>\n<div class=\"t sc_90\" id=\"tv_90\" style=\"left:267px;bottom:335px;letter-spacing:-0.01px;display:inline;\">Within 6 </div>\n<div class=\"t sc_90\" id=\"tw_90\" style=\"left:272px;bottom:319px;letter-spacing:-0.01px;display:inline;\">months </div>\n<div class=\"t sc_90\" id=\"tx_90\" style=\"left:284px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"ty_90\" style=\"left:356px;bottom:335px;letter-spacing:-0.05px;display:inline;\">6\u201312 </div>\n<div class=\"t sc_90\" id=\"tz_90\" style=\"left:337px;bottom:319px;letter-spacing:-0.01px;display:inline;\">months </div>\n<div class=\"t sc_90\" id=\"t10_90\" style=\"left:349px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t11_90\" style=\"left:394px;bottom:319px;letter-spacing:-0.03px;word-spacing:-0.3px;display:inline;\">1\u20135 years </div>\n<div class=\"t sc_90\" id=\"t12_90\" style=\"left:414px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t13_90\" style=\"left:483px;bottom:351px;letter-spacing:-0.03px;display:inline;\">Non- </div>\n<div class=\"t sc_90\" id=\"t14_90\" style=\"left:486px;bottom:335px;letter-spacing:-0.01px;display:inline;\">cash </div>\n<div class=\"t sc_90\" id=\"t15_90\" style=\"left:474px;bottom:319px;display:inline;\">items* </div>\n<div class=\"t sc_90\" id=\"t16_90\" style=\"left:479px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_90\" id=\"t17_90\" style=\"left:548px;bottom:319px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sc_90\" id=\"t18_90\" style=\"left:544px;bottom:303px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_90\" id=\"t19_90\" style=\"left:78px;bottom:281px;letter-spacing:0.11px;display:inline;\">Group </div>\n<div class=\"t sd_90\" id=\"t1a_90\" style=\"left:78px;bottom:259px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div>\n<div class=\"t sd_90\" id=\"t1b_90\" style=\"left:78px;bottom:237px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t se_90\" id=\"t1c_90\" style=\"left:282px;bottom:237px;letter-spacing:0.29px;display:inline;\">10,422 </div><div class=\"t se_90\" id=\"t1d_90\" style=\"left:364px;bottom:237px;letter-spacing:0.4px;display:inline;\">186 </div><div class=\"t s4_90\" id=\"t1e_90\" style=\"left:441px;bottom:237px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1f_90\" style=\"left:494px;bottom:237px;letter-spacing:0.4px;display:inline;\">868 </div><div class=\"t se_90\" id=\"t1g_90\" style=\"left:542px;bottom:237px;letter-spacing:0.28px;display:inline;\">11,476 </div>\n<div class=\"t sd_90\" id=\"t1h_90\" style=\"left:78px;bottom:215px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Insurance contract liabilities </div><div class=\"t se_90\" id=\"t1i_90\" style=\"left:289px;bottom:215px;letter-spacing:0.33px;display:inline;\">2,321 </div><div class=\"t s4_90\" id=\"t1j_90\" style=\"left:377px;bottom:215px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t1k_90\" style=\"left:441px;bottom:215px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1l_90\" style=\"left:483px;bottom:215px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t se_90\" id=\"t1m_90\" style=\"left:550px;bottom:215px;letter-spacing:0.09px;display:inline;\">3,474 </div>\n<div class=\"t s4_90\" id=\"t1n_90\" style=\"left:78px;bottom:192px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t se_90\" id=\"t1o_90\" style=\"left:283px;bottom:192px;letter-spacing:0.17px;display:inline;\">12,743 </div><div class=\"t se_90\" id=\"t1p_90\" style=\"left:364px;bottom:192px;letter-spacing:0.4px;display:inline;\">186 </div><div class=\"t s4_90\" id=\"t1q_90\" style=\"left:441px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t1r_90\" style=\"left:484px;bottom:192px;letter-spacing:0.32px;display:inline;\">2,021 </div><div class=\"t se_90\" id=\"t1s_90\" style=\"left:542px;bottom:192px;letter-spacing:0.35px;display:inline;\">14,950 </div>\n<div class=\"t sd_90\" id=\"t1t_90\" style=\"left:78px;bottom:170px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div>\n<div class=\"t sd_90\" id=\"t1u_90\" style=\"left:78px;bottom:148px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade and other payables </div><div class=\"t sf_90\" id=\"t1v_90\" style=\"left:283px;bottom:148px;letter-spacing:0.28px;display:inline;\">11,535 </div><div class=\"t sf_90\" id=\"t1w_90\" style=\"left:364px;bottom:148px;letter-spacing:0.32px;display:inline;\">182 </div><div class=\"t sg_90\" id=\"t1x_90\" style=\"left:442px;bottom:148px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t1y_90\" style=\"left:495px;bottom:148px;letter-spacing:-0.19px;display:inline;\">743 </div><div class=\"t sf_90\" id=\"t1z_90\" style=\"left:542px;bottom:148px;letter-spacing:0.34px;display:inline;\">12,460 </div>\n<div class=\"t sd_90\" id=\"t20_90\" style=\"left:78px;bottom:126px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Insurance contract liabilities </div><div class=\"t sf_90\" id=\"t21_90\" style=\"left:289px;bottom:126px;letter-spacing:0.3px;display:inline;\">2,188 </div><div class=\"t sg_90\" id=\"t22_90\" style=\"left:377px;bottom:126px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t23_90\" style=\"left:442px;bottom:126px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t24_90\" style=\"left:494px;bottom:126px;letter-spacing:0.39px;display:inline;\">899 </div><div class=\"t sf_90\" id=\"t25_90\" style=\"left:550px;bottom:126px;letter-spacing:0.16px;display:inline;\">3,087 </div>\n<div class=\"t s4_90\" id=\"t26_90\" style=\"left:78px;bottom:104px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t sf_90\" id=\"t27_90\" style=\"left:283px;bottom:104px;letter-spacing:0.16px;display:inline;\">13,723 </div><div class=\"t sf_90\" id=\"t28_90\" style=\"left:364px;bottom:104px;letter-spacing:0.32px;display:inline;\">182 </div><div class=\"t sg_90\" id=\"t29_90\" style=\"left:442px;bottom:104px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t2a_90\" style=\"left:484px;bottom:104px;letter-spacing:0.2px;display:inline;\">1,642 </div><div class=\"t sf_90\" id=\"t2b_90\" style=\"left:543px;bottom:104px;letter-spacing:0.26px;display:inline;\">15,547 </div>\n<div class=\"t s4_90\" id=\"t2c_90\" style=\"left:626px;bottom:762px;letter-spacing:0.1px;display:inline;\">Company </div>\n<div class=\"t sd_90\" id=\"t2d_90\" style=\"left:626px;bottom:740px;letter-spacing:0.36px;word-spacing:-0.13px;display:inline;\">At 31 December 2022 </div>\n<div class=\"t sd_90\" id=\"t2e_90\" style=\"left:626px;bottom:718px;letter-spacing:0.38px;word-spacing:-0.14px;display:inline;\">Amounts owed to Group </div>\n<div class=\"t sd_90\" id=\"t2f_90\" style=\"left:626px;bottom:700px;letter-spacing:0.46px;display:inline;\">undertakings </div><div class=\"t se_90\" id=\"t2g_90\" style=\"left:847px;bottom:700px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t s4_90\" id=\"t2h_90\" style=\"left:924px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2i_90\" style=\"left:989px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2j_90\" style=\"left:1054px;bottom:700px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t2k_90\" style=\"left:1107px;bottom:700px;letter-spacing:0.22px;display:inline;\">431 </div>\n<div class=\"t s4_90\" id=\"t2l_90\" style=\"left:626px;bottom:678px;letter-spacing:0.02px;word-spacing:0.07px;display:inline;\">Total liquidity risk </div><div class=\"t se_90\" id=\"t2m_90\" style=\"left:847px;bottom:678px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t s4_90\" id=\"t2n_90\" style=\"left:924px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2o_90\" style=\"left:989px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t s4_90\" id=\"t2p_90\" style=\"left:1054px;bottom:678px;display:inline;\">\u2013 </div><div class=\"t se_90\" id=\"t2q_90\" style=\"left:1107px;bottom:678px;letter-spacing:0.22px;display:inline;\">431 </div>\n<div class=\"t sd_90\" id=\"t2r_90\" style=\"left:626px;bottom:634px;letter-spacing:0.36px;word-spacing:-0.13px;display:inline;\">At 31 December 2022 </div><div class=\"t sf_90\" id=\"t2s_90\" style=\"left:846px;bottom:634px;letter-spacing:0.44px;display:inline;\">257 </div><div class=\"t sg_90\" id=\"t2t_90\" style=\"left:924px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t2u_90\" style=\"left:989px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t2v_90\" style=\"left:1054px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t2w_90\" style=\"left:1106px;bottom:634px;letter-spacing:0.44px;display:inline;\">257 </div>\n<div class=\"t sd_90\" id=\"t2x_90\" style=\"left:626px;bottom:612px;letter-spacing:0.39px;word-spacing:-0.15px;display:inline;\">Amounts owed to subsidiary </div>\n<div class=\"t sd_90\" id=\"t2y_90\" style=\"left:626px;bottom:594px;letter-spacing:0.46px;display:inline;\">undertakings </div><div class=\"t sf_90\" id=\"t2z_90\" style=\"left:847px;bottom:594px;letter-spacing:0.32px;display:inline;\">257 </div><div class=\"t sg_90\" id=\"t30_90\" style=\"left:924px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t31_90\" style=\"left:989px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sg_90\" id=\"t32_90\" style=\"left:1054px;bottom:594px;display:inline;\">\u2013 </div><div class=\"t sf_90\" id=\"t33_90\" style=\"left:1107px;bottom:594px;letter-spacing:0.32px;display:inline;\">257 </div>\n<div class=\"t sh_90\" id=\"t34_90\" style=\"left:621px;bottom:563px;display:inline;\">* </div>Non-cash items relate to unearned premiums or unearned revenue across the different business segments.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11009": {
   "value": "4 Capital management and requirements <div class=\"t sb_91\" id=\"t1h_91\" style=\"left:621px;bottom:603px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The Group\u2019s capital management objective is to maintain sufficient capital to safeguard </div>\n<div class=\"t sb_91\" id=\"t1i_91\" style=\"left:621px;bottom:584px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">the Group\u2019s ability to continue as a going concern and to protect the interests of all of </div>\n<div class=\"t sb_91\" id=\"t1j_91\" style=\"left:621px;bottom:566px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">its customers, investors, regulator and trading partners while also efficiently deploying </div>\n<div class=\"t sb_91\" id=\"t1k_91\" style=\"left:621px;bottom:548px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">capital and managing risk to sustain ongoing business development. The Group manages </div>\n<div class=\"t sb_91\" id=\"t1l_91\" style=\"left:621px;bottom:529px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">its capital resources in line with the Group\u2019s capital management Policy, which is reviewed </div>\n<div class=\"t sb_91\" id=\"t1m_91\" style=\"left:621px;bottom:511px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">on an annual basis. The Group\u2019s capital position is kept under constant review and is </div>\n<div class=\"t sb_91\" id=\"t1n_91\" style=\"left:621px;bottom:493px;letter-spacing:-0.05px;word-spacing:-0.08px;display:inline;\">reported monthly to the Board. </div>\n<div class=\"t sb_91\" id=\"t1o_91\" style=\"left:621px;bottom:461px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Since 1 January 2016, Personal Assurance Plc (PA) has been subject to the requirements of </div>\n<div class=\"t sb_91\" id=\"t1p_91\" style=\"left:621px;bottom:443px;letter-spacing:-0.17px;word-spacing:0.02px;display:inline;\">the Solvency II (SII) Directive and must hold sufficient capital to cover its Solvency Capital </div>\n<div class=\"t sb_91\" id=\"t1q_91\" style=\"left:621px;bottom:425px;letter-spacing:-0.18px;word-spacing:0.02px;display:inline;\">Requirement (SCR). In addition, PA maintains a buffer in excess of this capital requirement, </div>\n<div class=\"t sb_91\" id=\"t1r_91\" style=\"left:621px;bottom:406px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">specified in line with the capital risk appetite agreed by the Board. The SCR is calculated in </div>\n<div class=\"t sb_91\" id=\"t1s_91\" style=\"left:621px;bottom:388px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">accordance with the Standard Formula specified in the SII legislation. </div>\n<div class=\"t sb_91\" id=\"t1t_91\" style=\"left:621px;bottom:357px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">At least annually, the Group undertakes the Own Risk and Solvency Assessment (ORSA). </div>\n<div class=\"t sb_91\" id=\"t1u_91\" style=\"left:621px;bottom:338px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">This process enables the Group to assess how well the Standard Formula SCR reflects </div>\n<div class=\"t sb_91\" id=\"t1v_91\" style=\"left:621px;bottom:320px;letter-spacing:-0.04px;display:inline;\">the Group\u2019s actual risk profile, and comprises all the activities by which PA establishes </div>\n<div class=\"t sb_91\" id=\"t1w_91\" style=\"left:621px;bottom:302px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">the level of capital required to meet its solvency needs over the planning period given </div>\n<div class=\"t sb_91\" id=\"t1x_91\" style=\"left:621px;bottom:283px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">the Company\u2019s strategy and risk appetite. The conclusions from these activities are </div>\n<div class=\"t sb_91\" id=\"t1y_91\" style=\"left:621px;bottom:265px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">summarised in the ORSA Report which is reviewed by the Risk Committee, approved by </div>\n<div class=\"t sb_91\" id=\"t1z_91\" style=\"left:621px;bottom:247px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">the Board and submitted to the Prudential Regulation Authority (PRA) at least annually. </div>\n<div class=\"t sb_91\" id=\"t20_91\" style=\"left:621px;bottom:215px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">PA\u2019s unaudited Eligible Own Funds, determined in accordance with the SII valuation </div>\n<div class=\"t sb_91\" id=\"t21_91\" style=\"left:621px;bottom:197px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">rules, were \u00a311.5m (2021: \u00a312.6m) which was in excess of the estimated SCR of \u00a33.5m </div>\n<div class=\"t sb_91\" id=\"t22_91\" style=\"left:621px;bottom:179px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">(2021: \u00a33.5m). This represented an estimated solvency coverage ratio of 333% (2021: </div>\n<div class=\"t sb_91\" id=\"t23_91\" style=\"left:621px;bottom:160px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">357%). The movement year on year remains consistent and is in line with the Board\u2019s </div>\n<div class=\"t sb_91\" id=\"t24_91\" style=\"left:621px;bottom:142px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">risk appetite of holding greater than 150% of the requirement. </div>\n<div class=\"t sb_91\" id=\"t25_91\" style=\"left:621px;bottom:111px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Other than disclosed above there have been no changes to what is managed as capital </div>\n<div class=\"t sb_91\" id=\"t26_91\" style=\"left:621px;bottom:92px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">or the Group\u2019s capital management objectives, policies or procedures during the year. </div><div></div><div class=\"t s1_92\" id=\"t1_92\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_92\" id=\"t2_92\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_92\" id=\"t3_92\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_92\" id=\"t4_92\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_92\" id=\"t5_92\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_92\" id=\"t6_92\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_92\" id=\"t7_92\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_92\" id=\"t8_92\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_92\" id=\"t9_92\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n<div class=\"t sa_92\" id=\"te_92\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">At 31 December 2022, the requirements of the Group\u2019s regulated companies were </div>\n<div class=\"t sa_92\" id=\"tf_92\" style=\"left:74px;bottom:725px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">as\u00a0follows: </div>\n<div class=\"t sb_92\" id=\"tg_92\" style=\"left:274px;bottom:641px;letter-spacing:-0.06px;display:inline;\">Relevant </div>\n<div class=\"t sb_92\" id=\"th_92\" style=\"left:263px;bottom:625px;letter-spacing:-0.02px;display:inline;\">regulatory </div>\n<div class=\"t sb_92\" id=\"ti_92\" style=\"left:298px;bottom:609px;letter-spacing:-0.01px;display:inline;\">body </div>\n<div class=\"t sb_92\" id=\"tj_92\" style=\"left:371px;bottom:673px;letter-spacing:-0.01px;display:inline;\">Capital </div>\n<div class=\"t sb_92\" id=\"tk_92\" style=\"left:356px;bottom:657px;letter-spacing:-0.04px;display:inline;\">resources </div>\n<div class=\"t sb_92\" id=\"tl_92\" style=\"left:339px;bottom:641px;letter-spacing:-0.02px;display:inline;\">requirement </div>\n<div class=\"t sb_92\" id=\"tm_92\" style=\"left:352px;bottom:625px;letter-spacing:-0.01px;display:inline;\">unaudited </div>\n<div class=\"t sb_92\" id=\"tn_92\" style=\"left:379px;bottom:609px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_92\" id=\"to_92\" style=\"left:449px;bottom:657px;letter-spacing:-0.01px;display:inline;\">Capital </div>\n<div class=\"t sb_92\" id=\"tp_92\" style=\"left:434px;bottom:641px;letter-spacing:-0.04px;display:inline;\">resources </div>\n<div class=\"t sb_92\" id=\"tq_92\" style=\"left:430px;bottom:625px;letter-spacing:-0.01px;display:inline;\">unaudited </div>\n<div class=\"t sb_92\" id=\"tr_92\" style=\"left:457px;bottom:609px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_92\" id=\"ts_92\" style=\"left:533px;bottom:689px;letter-spacing:-0.01px;display:inline;\">Surplus </div>\n<div class=\"t sb_92\" id=\"tt_92\" style=\"left:508px;bottom:673px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">over capital </div>\n<div class=\"t sb_92\" id=\"tu_92\" style=\"left:521px;bottom:657px;letter-spacing:-0.04px;display:inline;\">resources </div>\n<div class=\"t sb_92\" id=\"tv_92\" style=\"left:503px;bottom:641px;letter-spacing:-0.02px;display:inline;\">requirement </div>\n<div class=\"t sb_92\" id=\"tw_92\" style=\"left:517px;bottom:625px;letter-spacing:-0.01px;display:inline;\">unaudited </div>\n<div class=\"t sb_92\" id=\"tx_92\" style=\"left:544px;bottom:609px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_92\" id=\"ty_92\" style=\"left:78px;bottom:587px;letter-spacing:0.1px;display:inline;\">Company </div>\n<div class=\"t sc_92\" id=\"tz_92\" style=\"left:78px;bottom:565px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div><div class=\"t s4_92\" id=\"t10_92\" style=\"left:275px;bottom:565px;letter-spacing:0.37px;word-spacing:-0.25px;display:inline;\">FCA, PRA </div><div class=\"t sd_92\" id=\"t11_92\" style=\"left:384px;bottom:565px;letter-spacing:0.31px;display:inline;\">3,469 </div><div class=\"t sd_92\" id=\"t12_92\" style=\"left:455px;bottom:565px;letter-spacing:0.41px;display:inline;\">11,541 </div><div class=\"t sd_92\" id=\"t13_92\" style=\"left:549px;bottom:565px;letter-spacing:0.26px;display:inline;\">8,071 </div>\n<div class=\"t sc_92\" id=\"t14_92\" style=\"left:78px;bottom:543px;letter-spacing:0.08px;word-spacing:-0.15px;display:inline;\">Personal Assurance Services </div>\n<div class=\"t sc_92\" id=\"t15_92\" style=\"left:78px;bottom:525px;letter-spacing:0.11px;display:inline;\">Limited </div><div class=\"t s4_92\" id=\"t16_92\" style=\"left:305px;bottom:525px;letter-spacing:0.31px;display:inline;\">FCA </div><div class=\"t sd_92\" id=\"t17_92\" style=\"left:401px;bottom:525px;letter-spacing:0.25px;display:inline;\">43 </div><div class=\"t sd_92\" id=\"t18_92\" style=\"left:462px;bottom:525px;letter-spacing:0.3px;display:inline;\">4,330 </div><div class=\"t sd_92\" id=\"t19_92\" style=\"left:549px;bottom:525px;letter-spacing:0.33px;display:inline;\">4,287 </div>\n<div class=\"t sc_92\" id=\"t1a_92\" style=\"left:78px;bottom:503px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div><div class=\"t s4_92\" id=\"t1b_92\" style=\"left:305px;bottom:503px;letter-spacing:0.31px;display:inline;\">FCA </div><div class=\"t s4_92\" id=\"t1c_92\" style=\"left:401px;bottom:503px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t s4_92\" id=\"t1d_92\" style=\"left:472px;bottom:503px;letter-spacing:0.21px;display:inline;\">521 </div><div class=\"t sd_92\" id=\"t1e_92\" style=\"left:559px;bottom:503px;letter-spacing:0.11px;display:inline;\">470 </div>\n<div class=\"t sc_92\" id=\"t1f_92\" style=\"left:78px;bottom:481px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Limited </div><div class=\"t s4_92\" id=\"t1g_92\" style=\"left:305px;bottom:481px;letter-spacing:0.31px;display:inline;\">FCA </div><div class=\"t s4_92\" id=\"t1h_92\" style=\"left:401px;bottom:481px;letter-spacing:0.12px;display:inline;\">75 </div><div class=\"t sd_92\" id=\"t1i_92\" style=\"left:472px;bottom:481px;letter-spacing:0.31px;display:inline;\">411 </div><div class=\"t s4_92\" id=\"t1j_92\" style=\"left:559px;bottom:481px;letter-spacing:0.22px;display:inline;\">336 </div>\n<div class=\"t sc_92\" id=\"t1k_92\" style=\"left:78px;bottom:459px;letter-spacing:0.06px;word-spacing:-0.13px;display:inline;\">Personal Assurance (Guernsey) </div>\n<div class=\"t sc_92\" id=\"t1l_92\" style=\"left:78px;bottom:441px;letter-spacing:0.11px;display:inline;\">Limited </div><div class=\"t s4_92\" id=\"t1m_92\" style=\"left:298px;bottom:441px;letter-spacing:0.36px;display:inline;\">GFSC </div><div class=\"t sd_92\" id=\"t1n_92\" style=\"left:394px;bottom:441px;letter-spacing:0.35px;display:inline;\">914 </div><div class=\"t sd_92\" id=\"t1o_92\" style=\"left:462px;bottom:441px;letter-spacing:0.38px;display:inline;\">2,849 </div><div class=\"t s4_92\" id=\"t1p_92\" style=\"left:549px;bottom:441px;letter-spacing:0.29px;display:inline;\">1,935 </div>\n<div class=\"t sa_92\" id=\"t1q_92\" style=\"left:74px;bottom:402px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">Personal Assurance Plc and Personal Assurance (Guernsey) Limited maintains the </div>\n<div class=\"t sa_92\" id=\"t1r_92\" style=\"left:74px;bottom:384px;letter-spacing:-0.04px;display:inline;\">majority of their assets in cash and short-term fixed interest rate\u00a0deposits. </div>\n<div class=\"t sa_92\" id=\"t1s_92\" style=\"left:74px;bottom:353px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">The capital resources and corresponding capital resource requirement for each PRA </div>\n<div class=\"t sa_92\" id=\"t1t_92\" style=\"left:74px;bottom:334px;letter-spacing:-0.04px;display:inline;\">regulated entity is calculated in accordance with PRA regulations. </div>\n<div class=\"t sa_92\" id=\"t1u_92\" style=\"left:74px;bottom:303px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">The capital resources and corresponding capital resource requirement for each FCA </div>\n<div class=\"t sa_92\" id=\"t1v_92\" style=\"left:74px;bottom:285px;letter-spacing:-0.05px;display:inline;\">regulated entity is calculated in accordance with FCA regulations. </div>\n<div class=\"t sa_92\" id=\"t1w_92\" style=\"left:74px;bottom:253px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">The Group\u2019s capital comprises all components of equity. </div>\n<div class=\"t sa_92\" id=\"t1x_92\" style=\"left:74px;bottom:222px;letter-spacing:-0.04px;display:inline;\">The Group\u2019s regulated entities have complied with all externally imposed capital </div>\nrequirements during the year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11136": {
   "value": "5 Segment analysis <div class=\"t sa_92\" id=\"t20_92\" style=\"left:621px;bottom:743px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">The segments used by management to review the operations of the business are </div>\n<div class=\"t sa_92\" id=\"t21_92\" style=\"left:621px;bottom:725px;letter-spacing:0.08px;word-spacing:0.05px;display:inline;\">disclosed below. </div>\n<div class=\"t sf_92\" id=\"t22_92\" style=\"left:621px;bottom:695px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">1) Affordable Insurance </div>\n<div class=\"t sa_92\" id=\"t23_92\" style=\"left:621px;bottom:673px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Personal Assurance Plc (PA), a subsidiary within the Group, is a PRA regulated general </div>\n<div class=\"t sa_92\" id=\"t24_92\" style=\"left:621px;bottom:654px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">insurance Company and is authorised to transact accident and sickness insurance. It was </div>\n<div class=\"t sa_92\" id=\"t25_92\" style=\"left:621px;bottom:636px;letter-spacing:-0.01px;display:inline;\">established in 1984 and has been underwriting business since 1985. In 1997 Personal </div>\n<div class=\"t sa_92\" id=\"t26_92\" style=\"left:621px;bottom:618px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Group Holdings Plc (PGH) was created and became the ultimate parent undertaking of </div>\n<div class=\"t sa_92\" id=\"t27_92\" style=\"left:621px;bottom:599px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">the Group. </div>\n<div class=\"t sa_92\" id=\"t28_92\" style=\"left:621px;bottom:568px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">Personal Assurance (Guernsey) Limited (PAGL), a subsidiary within the Group, is regulated </div>\n<div class=\"t sa_92\" id=\"t29_92\" style=\"left:621px;bottom:550px;letter-spacing:-0.03px;display:inline;\">by the Guernsey Financial Services Commission and has been underwriting death benefit </div>\n<div class=\"t sa_92\" id=\"t2a_92\" style=\"left:621px;bottom:531px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">policies since March 2015. </div>\n<div class=\"t sa_92\" id=\"t2b_92\" style=\"left:621px;bottom:500px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">This operating segment derives the majority of its revenue from the underwriting by PA </div>\n<div class=\"t sa_92\" id=\"t2c_92\" style=\"left:621px;bottom:482px;letter-spacing:-0.06px;word-spacing:0.03px;display:inline;\">and PAGL of insurance policies that have been bought by employees of host companies </div>\n<div class=\"t sa_92\" id=\"t2d_92\" style=\"left:621px;bottom:463px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">via bespoke benefit programmes. During 2020 PAGL began underwriting employee </div>\n<div class=\"t sa_92\" id=\"t2e_92\" style=\"left:621px;bottom:445px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">default insurance for a proportion of PG Let's Connect customers. </div>\n<div class=\"t sf_92\" id=\"t2f_92\" style=\"left:621px;bottom:415px;word-spacing:-0.13px;display:inline;\">2) Other Owned Benefits </div>\n<div class=\"t sa_92\" id=\"t2g_92\" style=\"left:621px;bottom:393px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">This segment constitutes any goods or services in the benefits platform supply chain </div>\n<div class=\"t sa_92\" id=\"t2h_92\" style=\"left:621px;bottom:374px;letter-spacing:-0.18px;word-spacing:-0.03px;display:inline;\">which are owned by the Group. At present this is made up of a technology salary sacrifice </div>\n<div class=\"t sa_92\" id=\"t2i_92\" style=\"left:621px;bottom:356px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">business trading as PG Let\u2019s Connect, purchased by the Group in 2014. </div>\n<div class=\"t sf_92\" id=\"t2j_92\" style=\"left:621px;bottom:326px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">3) Benefits Platform </div>\n<div class=\"t sa_92\" id=\"t2k_92\" style=\"left:621px;bottom:303px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Revenue in this segment relates to the annual subscription income and other related </div>\n<div class=\"t sa_92\" id=\"t2l_92\" style=\"left:621px;bottom:285px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">income arising from the licensing of Hapi, the Group\u2019s employee benefit platform. </div>\n<div class=\"t sa_92\" id=\"t2m_92\" style=\"left:621px;bottom:267px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">This includes sales to both the large corporate and SME sectors. </div>\n<div class=\"t sf_92\" id=\"t2n_92\" style=\"left:621px;bottom:237px;letter-spacing:-0.08px;word-spacing:-0.04px;display:inline;\">4) Pay and Reward </div>\n<div class=\"t sa_92\" id=\"t2o_92\" style=\"left:621px;bottom:214px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">Pay and Reward refers to the trade of the Group\u2019s pay and reward consultancy Company </div>\n<div class=\"t sa_92\" id=\"t2p_92\" style=\"left:621px;bottom:196px;letter-spacing:-0.29px;word-spacing:-0.01px;display:inline;\">Innecto, purchased in 2019, and QCG, purchased in 2022. Revenue in this segment relates to </div>\n<div class=\"t sa_92\" id=\"t2q_92\" style=\"left:621px;bottom:178px;letter-spacing:-0.3px;word-spacing:0.02px;display:inline;\">consultancy, surveys, and licence income derived from selling digital platform subscriptions. </div>\n<div class=\"t sf_92\" id=\"t2r_92\" style=\"left:621px;bottom:147px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">5) Other </div>\n<div class=\"t sa_92\" id=\"t2s_92\" style=\"left:621px;bottom:125px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">The other operating segment consists exclusively of revenue generated by Berkeley </div>\n<div class=\"t sa_92\" id=\"t2t_92\" style=\"left:621px;bottom:107px;letter-spacing:-0.03px;display:inline;\">Morgan Group (BMG) and its subsidiary undertakings along with any investment and </div>\n<div class=\"t sa_92\" id=\"t2u_92\" style=\"left:621px;bottom:88px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">rental income obtained by the Group. This segment also includes revenue generated </div>\n<div class=\"t sa_92\" id=\"t2v_92\" style=\"left:621px;bottom:70px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">from the resale of vouchers (Note 2.22). </div><div></div><div class=\"t s1_93\" id=\"t1_93\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_93\" id=\"t2_93\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_93\" id=\"t3_93\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_93\" id=\"t4_93\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_93\" id=\"t5_93\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_93\" id=\"t6_93\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_93\" id=\"t7_93\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_93\" id=\"t8_93\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_93\" id=\"t9_93\" style=\"left:1107px;bottom:878px;letter-spacing:-0.25px;display:inline;\"></div>\n\n\n<div class=\"t sa_93\" id=\"te_93\" style=\"left:456px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"tf_93\" style=\"left:451px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"tg_93\" style=\"left:553px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"th_93\" style=\"left:547px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_93\" id=\"ti_93\" style=\"left:79px;bottom:701px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Revenue by segment </div>\n<div class=\"t sb_93\" id=\"tj_93\" style=\"left:79px;bottom:679px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Affordable Insurance </div><div class=\"t sc_93\" id=\"tk_93\" style=\"left:450px;bottom:679px;letter-spacing:0.3px;display:inline;\">25,257 </div><div class=\"t sd_93\" id=\"tl_93\" style=\"left:546px;bottom:679px;letter-spacing:0.09px;display:inline;\">24,670 </div>\n<div class=\"t sb_93\" id=\"tm_93\" style=\"left:79px;bottom:657px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"tn_93\" style=\"left:449px;bottom:657px;letter-spacing:0.34px;display:inline;\">16,800 </div><div class=\"t sd_93\" id=\"to_93\" style=\"left:546px;bottom:657px;letter-spacing:0.22px;display:inline;\">18,214 </div>\n<div class=\"t sb_93\" id=\"tp_93\" style=\"left:79px;bottom:635px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s4_93\" id=\"tq_93\" style=\"left:457px;bottom:635px;letter-spacing:0.15px;display:inline;\">7,446 </div><div class=\"t sd_93\" id=\"tr_93\" style=\"left:553px;bottom:635px;letter-spacing:0.09px;display:inline;\">6,051 </div>\n<div class=\"t sb_93\" id=\"ts_93\" style=\"left:79px;bottom:613px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform \u2013 Group Elimination </div><div class=\"t sc_93\" id=\"tt_93\" style=\"left:453px;bottom:613px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"tu_93\" style=\"left:550px;bottom:613px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t sb_93\" id=\"tv_93\" style=\"left:79px;bottom:590px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"tw_93\" style=\"left:456px;bottom:590px;letter-spacing:0.38px;display:inline;\">2,008 </div><div class=\"t sd_93\" id=\"tx_93\" style=\"left:552px;bottom:590px;letter-spacing:0.31px;display:inline;\">1,236 </div>\n<div class=\"t s4_93\" id=\"ty_93\" style=\"left:79px;bottom:568px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Other income </div>\n<div class=\"t sb_93\" id=\"tz_93\" style=\"left:79px;bottom:546px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Voucher resale </div><div class=\"t s4_93\" id=\"t10_93\" style=\"left:451px;bottom:546px;letter-spacing:0.12px;display:inline;\">37,389 </div><div class=\"t sd_93\" id=\"t11_93\" style=\"left:546px;bottom:546px;letter-spacing:0.17px;display:inline;\">26,852 </div>\n<div class=\"t sb_93\" id=\"t12_93\" style=\"left:79px;bottom:524px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t13_93\" style=\"left:466px;bottom:524px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sd_93\" id=\"t14_93\" style=\"left:561px;bottom:524px;letter-spacing:0.39px;display:inline;\">215 </div>\n<div class=\"t sb_93\" id=\"t15_93\" style=\"left:79px;bottom:502px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Investment income </div><div class=\"t sc_93\" id=\"t16_93\" style=\"left:466px;bottom:502px;letter-spacing:0.42px;display:inline;\">145 </div><div class=\"t sd_93\" id=\"t17_93\" style=\"left:568px;bottom:502px;letter-spacing:0.36px;display:inline;\">23 </div>\n<div class=\"t s4_93\" id=\"t18_93\" style=\"left:79px;bottom:480px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">Group Revenue </div><div class=\"t sc_93\" id=\"t19_93\" style=\"left:450px;bottom:480px;letter-spacing:0.22px;display:inline;\">86,655 </div><div class=\"t sd_93\" id=\"t1a_93\" style=\"left:546px;bottom:480px;letter-spacing:0.09px;display:inline;\">74,513 </div>\n<div class=\"t s4_93\" id=\"t1b_93\" style=\"left:79px;bottom:457px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Adjusted EBITDA* contribution by segment </div>\n<div class=\"t sb_93\" id=\"t1c_93\" style=\"left:79px;bottom:435px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Affordable Insurance </div><div class=\"t sc_93\" id=\"t1d_93\" style=\"left:457px;bottom:435px;letter-spacing:0.17px;display:inline;\">9,032 </div><div class=\"t sd_93\" id=\"t1e_93\" style=\"left:545px;bottom:435px;letter-spacing:0.26px;display:inline;\">11,012 </div>\n<div class=\"t sb_93\" id=\"t1f_93\" style=\"left:79px;bottom:413px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t s4_93\" id=\"t1g_93\" style=\"left:466px;bottom:413px;letter-spacing:0.45px;display:inline;\">664 </div><div class=\"t sd_93\" id=\"t1h_93\" style=\"left:561px;bottom:413px;letter-spacing:0.35px;display:inline;\">730 </div>\n<div class=\"t sb_93\" id=\"t1i_93\" style=\"left:79px;bottom:391px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t sc_93\" id=\"t1j_93\" style=\"left:456px;bottom:391px;letter-spacing:0.39px;display:inline;\">2,866 </div><div class=\"t sd_93\" id=\"t1k_93\" style=\"left:552px;bottom:391px;letter-spacing:0.28px;display:inline;\">2,098 </div>\n<div class=\"t sb_93\" id=\"t1l_93\" style=\"left:79px;bottom:369px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"t1m_93\" style=\"left:466px;bottom:369px;letter-spacing:0.23px;display:inline;\">495 </div><div class=\"t sd_93\" id=\"t1n_93\" style=\"left:562px;bottom:369px;letter-spacing:0.22px;display:inline;\">303 </div>\n<div class=\"t sb_93\" id=\"t1o_93\" style=\"left:79px;bottom:347px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t1p_93\" style=\"left:466px;bottom:347px;letter-spacing:0.35px;display:inline;\">160 </div><div class=\"t sd_93\" id=\"t1q_93\" style=\"left:562px;bottom:347px;letter-spacing:0.12px;display:inline;\">279 </div>\n<div class=\"t sb_93\" id=\"t1r_93\" style=\"left:79px;bottom:325px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Group admin and central costs** </div><div class=\"t sc_93\" id=\"t1s_93\" style=\"left:453px;bottom:325px;letter-spacing:0.17px;display:inline;\">(7,107) </div><div class=\"t sd_93\" id=\"t1t_93\" style=\"left:549px;bottom:325px;letter-spacing:0.18px;display:inline;\">(8,228) </div>\n<div class=\"t sb_93\" id=\"t1u_93\" style=\"left:79px;bottom:302px;letter-spacing:0.1px;display:inline;\">Charitable donations </div><div class=\"t sc_93\" id=\"t1v_93\" style=\"left:462px;bottom:302px;letter-spacing:0.24px;display:inline;\">(100) </div><div class=\"t sd_93\" id=\"t1w_93\" style=\"left:558px;bottom:302px;letter-spacing:0.18px;display:inline;\">(100) </div>\n<div class=\"t s4_93\" id=\"t1x_93\" style=\"left:79px;bottom:280px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Adjusted EBITDA* </div><div class=\"t sc_93\" id=\"t1y_93\" style=\"left:456px;bottom:280px;letter-spacing:0.24px;display:inline;\">6,010 </div><div class=\"t sd_93\" id=\"t1z_93\" style=\"left:552px;bottom:280px;letter-spacing:0.25px;display:inline;\">6,094 </div>\n<div class=\"t sb_93\" id=\"t20_93\" style=\"left:79px;bottom:258px;letter-spacing:0.09px;display:inline;\">Depreciation** </div><div class=\"t sc_93\" id=\"t21_93\" style=\"left:453px;bottom:258px;letter-spacing:0.21px;display:inline;\">(1,052) </div><div class=\"t sd_93\" id=\"t22_93\" style=\"left:558px;bottom:258px;letter-spacing:0.27px;display:inline;\">(966) </div>\n<div class=\"t sb_93\" id=\"t23_93\" style=\"left:79px;bottom:236px;letter-spacing:0.1px;display:inline;\">Amortisation** </div><div class=\"t s4_93\" id=\"t24_93\" style=\"left:462px;bottom:236px;letter-spacing:0.3px;display:inline;\">(786) </div><div class=\"t se_93\" id=\"t25_93\" style=\"left:558px;bottom:236px;letter-spacing:0.27px;display:inline;\">(585) </div>\n<div class=\"t sb_93\" id=\"t26_93\" style=\"left:79px;bottom:214px;letter-spacing:0.07px;display:inline;\">Interest </div><div class=\"t sc_93\" id=\"t27_93\" style=\"left:469px;bottom:214px;letter-spacing:0.15px;display:inline;\">(20) </div><div class=\"t sd_93\" id=\"t28_93\" style=\"left:565px;bottom:214px;letter-spacing:0.17px;display:inline;\">(32) </div>\n<div class=\"t sb_93\" id=\"t29_93\" style=\"left:79px;bottom:192px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share based payments expenses </div><div class=\"t sc_93\" id=\"t2a_93\" style=\"left:463px;bottom:192px;letter-spacing:0.15px;display:inline;\">(291) </div><div class=\"t sd_93\" id=\"t2b_93\" style=\"left:559px;bottom:192px;letter-spacing:0.1px;display:inline;\">(169) </div>\n<div class=\"t sb_93\" id=\"t2c_93\" style=\"left:79px;bottom:169px;letter-spacing:0.11px;display:inline;\">Impairment </div><div class=\"t sc_93\" id=\"t2d_93\" style=\"left:446px;bottom:169px;letter-spacing:0.21px;display:inline;\">(10,575) </div><div class=\"t se_93\" id=\"t2e_93\" style=\"left:574px;bottom:169px;display:inline;\">\u2013 </div>\n<div class=\"t sb_93\" id=\"t2f_93\" style=\"left:79px;bottom:147px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Corporate acquisition costs </div><div class=\"t s4_93\" id=\"t2g_93\" style=\"left:469px;bottom:147px;letter-spacing:0.2px;display:inline;\">(46) </div><div class=\"t se_93\" id=\"t2h_93\" style=\"left:574px;bottom:147px;display:inline;\">\u2013 </div>\n<div class=\"t s4_93\" id=\"t2i_93\" style=\"left:79px;bottom:125px;letter-spacing:0.08px;word-spacing:-0.07px;display:inline;\">(Loss)/Profit before tax </div><div class=\"t sc_93\" id=\"t2j_93\" style=\"left:453px;bottom:125px;letter-spacing:0.17px;display:inline;\">(6,760) </div><div class=\"t sd_93\" id=\"t2k_93\" style=\"left:552px;bottom:125px;letter-spacing:0.22px;display:inline;\">4,342 </div>\n<div class=\"t sf_93\" id=\"t2l_93\" style=\"left:74px;bottom:93px;display:inline;\">* </div><div class=\"t sf_93\" id=\"t2m_93\" style=\"left:87px;bottom:93px;letter-spacing:0.15px;word-spacing:-0.18px;display:inline;\">Adjusted EBITDA is defined as earnings before interest, tax, depreciation, amortisation of intangible assets, </div>\n<div class=\"t sf_93\" id=\"t2n_93\" style=\"left:87px;bottom:81px;letter-spacing:0.16px;word-spacing:-0.19px;display:inline;\">goodwill impairment, share-based payment expenses, corporate acquisition costs, restructuring costs and </div>\n<div class=\"t sf_93\" id=\"t2o_93\" style=\"left:87px;bottom:69px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">release of tax provision. </div>\n<div class=\"t sf_93\" id=\"t2p_93\" style=\"left:74px;bottom:52px;letter-spacing:0.14px;word-spacing:-0.02px;display:inline;\">** These costs constitute Group administration expenses on the face of the Consolidated Income Statement. </div>\n<div class=\"t sg_93\" id=\"t2q_93\" style=\"left:621px;bottom:767px;word-spacing:-0.11px;display:inline;\">Segmental assets and liabilities </div>\n<div class=\"t sa_93\" id=\"t2r_93\" style=\"left:886px;bottom:742px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sa_93\" id=\"t2s_93\" style=\"left:1043px;bottom:742px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"t2t_93\" style=\"left:854px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t sa_93\" id=\"t2u_93\" style=\"left:858px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t2v_93\" style=\"left:912px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t sa_93\" id=\"t2w_93\" style=\"left:936px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t2x_93\" style=\"left:1010px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t sa_93\" id=\"t2y_93\" style=\"left:1014px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t2z_93\" style=\"left:1068px;bottom:720px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t sa_93\" id=\"t30_93\" style=\"left:1092px;bottom:704px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_93\" id=\"t31_93\" style=\"left:626px;bottom:682px;letter-spacing:0.08px;display:inline;\">Insurance </div><div class=\"t sc_93\" id=\"t32_93\" style=\"left:856px;bottom:682px;letter-spacing:0.3px;display:inline;\">25,080 </div><div class=\"t sc_93\" id=\"t33_93\" style=\"left:941px;bottom:682px;letter-spacing:0.32px;display:inline;\">8,419 </div><div class=\"t sd_93\" id=\"t34_93\" style=\"left:1013px;bottom:682px;letter-spacing:0.24px;display:inline;\">28,205 </div><div class=\"t sd_93\" id=\"t35_93\" style=\"left:1097px;bottom:682px;letter-spacing:0.21px;display:inline;\">8,168 </div>\n<div class=\"t sb_93\" id=\"t36_93\" style=\"left:626px;bottom:660px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"t37_93\" style=\"left:863px;bottom:660px;letter-spacing:0.25px;display:inline;\">9,608 </div><div class=\"t s4_93\" id=\"t38_93\" style=\"left:941px;bottom:660px;letter-spacing:0.28px;display:inline;\">4,794 </div><div class=\"t sd_93\" id=\"t39_93\" style=\"left:1013px;bottom:660px;letter-spacing:0.12px;display:inline;\">10,910 </div><div class=\"t sd_93\" id=\"t3a_93\" style=\"left:1098px;bottom:660px;letter-spacing:0.04px;display:inline;\">6,176 </div>\n<div class=\"t sb_93\" id=\"t3b_93\" style=\"left:626px;bottom:637px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t sc_93\" id=\"t3c_93\" style=\"left:862px;bottom:637px;letter-spacing:0.36px;display:inline;\">2,410 </div><div class=\"t sc_93\" id=\"t3d_93\" style=\"left:940px;bottom:637px;letter-spacing:0.38px;display:inline;\">1,325 </div><div class=\"t sd_93\" id=\"t3e_93\" style=\"left:1019px;bottom:637px;letter-spacing:0.18px;display:inline;\">2,055 </div><div class=\"t sd_93\" id=\"t3f_93\" style=\"left:1097px;bottom:637px;letter-spacing:0.36px;display:inline;\">1,400 </div>\n<div class=\"t sb_93\" id=\"t3g_93\" style=\"left:626px;bottom:615px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"t3h_93\" style=\"left:862px;bottom:615px;letter-spacing:0.42px;display:inline;\">1,190 </div><div class=\"t sc_93\" id=\"t3i_93\" style=\"left:957px;bottom:615px;letter-spacing:0.09px;display:inline;\">17 </div><div class=\"t sd_93\" id=\"t3j_93\" style=\"left:1029px;bottom:615px;letter-spacing:0.05px;display:inline;\">471 </div><div class=\"t se_93\" id=\"t3k_93\" style=\"left:1119px;bottom:615px;display:inline;\">\u2013 </div>\n<div class=\"t sb_93\" id=\"t3l_93\" style=\"left:626px;bottom:593px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t3m_93\" style=\"left:863px;bottom:593px;letter-spacing:0.29px;display:inline;\">8,321 </div><div class=\"t sc_93\" id=\"t3n_93\" style=\"left:941px;bottom:593px;letter-spacing:0.28px;display:inline;\">1,076 </div><div class=\"t sd_93\" id=\"t3o_93\" style=\"left:1013px;bottom:593px;letter-spacing:0.28px;display:inline;\">15,963 </div><div class=\"t sd_93\" id=\"t3p_93\" style=\"left:1107px;bottom:593px;letter-spacing:0.2px;display:inline;\">579 </div>\n<div class=\"t s4_93\" id=\"t3q_93\" style=\"left:626px;bottom:571px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">Total segment assets and liabilities </div><div class=\"t sc_93\" id=\"t3r_93\" style=\"left:856px;bottom:571px;letter-spacing:0.32px;display:inline;\">46,609 </div><div class=\"t sc_93\" id=\"t3s_93\" style=\"left:934px;bottom:571px;letter-spacing:0.23px;display:inline;\">15,631 </div><div class=\"t sd_93\" id=\"t3t_93\" style=\"left:1014px;bottom:571px;letter-spacing:0.03px;display:inline;\">57,604 </div><div class=\"t sd_93\" id=\"t3u_93\" style=\"left:1091px;bottom:571px;letter-spacing:0.2px;display:inline;\">16,323 </div>\n<div class=\"t sh_93\" id=\"t3v_93\" style=\"left:621px;bottom:545px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Other assets comprise mostly of goodwill, intangible assets, and assets associated with </div>\n<div class=\"t sh_93\" id=\"t3w_93\" style=\"left:621px;bottom:527px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">the sale of e-vouchers through the platform. Other liabilities comprise mostly of liabilities </div>\n<div class=\"t sh_93\" id=\"t3x_93\" style=\"left:621px;bottom:508px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">associated with the sale of e-vouchers. </div>\n<div class=\"t s8_93\" id=\"t3y_93\" style=\"left:621px;bottom:474px;letter-spacing:0.21px;word-spacing:1.43px;display:inline;\">5a Further segmental analysis </div>\n<div class=\"t sh_93\" id=\"t3z_93\" style=\"left:621px;bottom:453px;letter-spacing:-0.43px;word-spacing:0.02px;display:inline;\">The following note provides additional analysis on Group segmental income and expenditure. </div>\n<div class=\"t si_93\" id=\"t40_93\" style=\"left:621px;bottom:423px;word-spacing:-0.12px;display:inline;\">Employee benefits and services income </div>\n<div class=\"t sa_93\" id=\"t41_93\" style=\"left:1018px;bottom:394px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"t42_93\" style=\"left:1014px;bottom:378px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t43_93\" style=\"left:1098px;bottom:394px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"t44_93\" style=\"left:1092px;bottom:378px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_93\" id=\"t45_93\" style=\"left:626px;bottom:354px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"t46_93\" style=\"left:1012px;bottom:354px;letter-spacing:0.34px;display:inline;\">16,800 </div><div class=\"t sd_93\" id=\"t47_93\" style=\"left:1091px;bottom:354px;letter-spacing:0.22px;display:inline;\">18,214 </div>\n<div class=\"t sb_93\" id=\"t48_93\" style=\"left:626px;bottom:327px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s4_93\" id=\"t49_93\" style=\"left:1019px;bottom:327px;letter-spacing:0.15px;display:inline;\">7,446 </div><div class=\"t sd_93\" id=\"t4a_93\" style=\"left:1098px;bottom:327px;letter-spacing:0.09px;display:inline;\">6,051 </div>\n<div class=\"t sb_93\" id=\"t4b_93\" style=\"left:626px;bottom:301px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform Group elimination* </div><div class=\"t sc_93\" id=\"t4c_93\" style=\"left:1015px;bottom:301px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"t4d_93\" style=\"left:1095px;bottom:301px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t sb_93\" id=\"t4e_93\" style=\"left:626px;bottom:275px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"t4f_93\" style=\"left:1018px;bottom:275px;letter-spacing:0.38px;display:inline;\">2,008 </div><div class=\"t sd_93\" id=\"t4g_93\" style=\"left:1097px;bottom:275px;letter-spacing:0.31px;display:inline;\">1,236 </div>\n<div class=\"t s4_93\" id=\"t4h_93\" style=\"left:626px;bottom:248px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Total employee benefits and service income </div><div class=\"t sc_93\" id=\"t4i_93\" style=\"left:1012px;bottom:248px;letter-spacing:0.22px;display:inline;\">23,627 </div><div class=\"t sd_93\" id=\"t4j_93\" style=\"left:1091px;bottom:248px;letter-spacing:0.14px;display:inline;\">22,753 </div>\n<div class=\"t si_93\" id=\"t4k_93\" style=\"left:621px;bottom:208px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Insurance operating expenses </div>\n<div class=\"t sa_93\" id=\"t4l_93\" style=\"left:1018px;bottom:182px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"t4m_93\" style=\"left:1014px;bottom:166px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"t4n_93\" style=\"left:1098px;bottom:182px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"t4o_93\" style=\"left:1092px;bottom:166px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_93\" id=\"t4p_93\" style=\"left:626px;bottom:144px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Operating expenses </div><div class=\"t sc_93\" id=\"t4q_93\" style=\"left:1019px;bottom:144px;letter-spacing:0.32px;display:inline;\">9,246 </div><div class=\"t sd_93\" id=\"t4r_93\" style=\"left:1098px;bottom:144px;letter-spacing:-0.03px;display:inline;\">7,608 </div>\n<div class=\"t sb_93\" id=\"t4s_93\" style=\"left:626px;bottom:122px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Group elimination* </div><div class=\"t sc_93\" id=\"t4t_93\" style=\"left:1015px;bottom:122px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"t4u_93\" style=\"left:1095px;bottom:122px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t s4_93\" id=\"t4v_93\" style=\"left:626px;bottom:99px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Total insurance operating expenses </div><div class=\"t sc_93\" id=\"t4w_93\" style=\"left:1019px;bottom:99px;letter-spacing:0.22px;display:inline;\">6,619 </div><div class=\"t sd_93\" id=\"t4x_93\" style=\"left:1097px;bottom:99px;letter-spacing:0.28px;display:inline;\">4,860 </div>\n<div class=\"t sf_93\" id=\"t4y_93\" style=\"left:621px;bottom:68px;display:inline;\">* </div><div class=\"t sf_93\" id=\"t4z_93\" style=\"left:634px;bottom:68px;letter-spacing:0.04px;word-spacing:-0.17px;display:inline;\">In order to properly assess the segments individually, this Group elimination apportions at arm\u2019s length value to </div>\n<div class=\"t sf_93\" id=\"t50_93\" style=\"left:634px;bottom:56px;letter-spacing:0.05px;word-spacing:-0.18px;display:inline;\">platform sales offered at a discount in return for insurance selling opportunities at corporate clients. This value </div>\n<div class=\"t sf_93\" id=\"t51_93\" style=\"left:634px;bottom:43px;letter-spacing:0.05px;word-spacing:-0.18px;display:inline;\">is then added to Benefits Platform income and Insurance Operating expenses before being eliminated\u00a0out. </div><div></div>\n<div class=\"t s3_94\" id=\"t3_94\" style=\"left:74px;bottom:745px;word-spacing:-0.13px;display:inline;\">Employee benefits and services expenses </div>\n<div class=\"t s4_94\" id=\"t4_94\" style=\"left:267px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t s4_94\" id=\"t5_94\" style=\"left:471px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t6_94\" style=\"left:194px;bottom:695px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Cost of </div>\n<div class=\"t s4_94\" id=\"t7_94\" style=\"left:207px;bottom:679px;letter-spacing:-0.01px;display:inline;\">sales </div>\n<div class=\"t s4_94\" id=\"t8_94\" style=\"left:202px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t9_94\" style=\"left:245px;bottom:695px;letter-spacing:-0.02px;display:inline;\">Operating </div>\n<div class=\"t s4_94\" id=\"ta_94\" style=\"left:251px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"tb_94\" style=\"left:271px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"tc_94\" style=\"left:345px;bottom:695px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s4_94\" id=\"td_94\" style=\"left:320px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"te_94\" style=\"left:340px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"tf_94\" style=\"left:398px;bottom:695px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Cost of </div>\n<div class=\"t s4_94\" id=\"tg_94\" style=\"left:410px;bottom:679px;letter-spacing:-0.01px;display:inline;\">sales </div>\n<div class=\"t s4_94\" id=\"th_94\" style=\"left:405px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"ti_94\" style=\"left:449px;bottom:695px;letter-spacing:-0.02px;display:inline;\">Operating </div>\n<div class=\"t s4_94\" id=\"tj_94\" style=\"left:455px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"tk_94\" style=\"left:474px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"tl_94\" style=\"left:548px;bottom:695px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s4_94\" id=\"tm_94\" style=\"left:524px;bottom:679px;letter-spacing:-0.01px;display:inline;\">expenses </div>\n<div class=\"t s4_94\" id=\"tn_94\" style=\"left:544px;bottom:663px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"to_94\" style=\"left:78px;bottom:641px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Other Owned </div>\n<div class=\"t s5_94\" id=\"tp_94\" style=\"left:78px;bottom:624px;letter-spacing:0.1px;display:inline;\">Benefits </div><div class=\"t s6_94\" id=\"tq_94\" style=\"left:200px;bottom:624px;letter-spacing:0.41px;display:inline;\">14,502 </div><div class=\"t s6_94\" id=\"tr_94\" style=\"left:276px;bottom:624px;letter-spacing:0.29px;display:inline;\">1,639 </div><div class=\"t s6_94\" id=\"ts_94\" style=\"left:338px;bottom:624px;letter-spacing:0.34px;display:inline;\">16,141 </div><div class=\"t s7_94\" id=\"tt_94\" style=\"left:404px;bottom:624px;letter-spacing:0.24px;display:inline;\">15,818 </div><div class=\"t s7_94\" id=\"tu_94\" style=\"left:480px;bottom:624px;letter-spacing:0.27px;display:inline;\">1,666 </div><div class=\"t s7_94\" id=\"tv_94\" style=\"left:544px;bottom:624px;letter-spacing:0.04px;display:inline;\">17,484 </div>\n<div class=\"t s5_94\" id=\"tw_94\" style=\"left:78px;bottom:602px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s6_94\" id=\"tx_94\" style=\"left:206px;bottom:602px;letter-spacing:0.4px;display:inline;\">1,590 </div><div class=\"t s6_94\" id=\"ty_94\" style=\"left:276px;bottom:602px;letter-spacing:0.38px;display:inline;\">2,992 </div><div class=\"t s6_94\" id=\"tz_94\" style=\"left:345px;bottom:602px;letter-spacing:0.35px;display:inline;\">4,582 </div><div class=\"t s7_94\" id=\"t10_94\" style=\"left:411px;bottom:602px;letter-spacing:0.28px;display:inline;\">1,106 </div><div class=\"t s7_94\" id=\"t11_94\" style=\"left:480px;bottom:602px;letter-spacing:0.24px;display:inline;\">2,847 </div><div class=\"t s7_94\" id=\"t12_94\" style=\"left:550px;bottom:602px;letter-spacing:0.17px;display:inline;\">3,953 </div>\n<div class=\"t s5_94\" id=\"t13_94\" style=\"left:78px;bottom:579px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t s6_94\" id=\"t14_94\" style=\"left:223px;bottom:579px;letter-spacing:0.31px;display:inline;\">29 </div><div class=\"t s6_94\" id=\"t15_94\" style=\"left:275px;bottom:579px;letter-spacing:0.46px;display:inline;\">1,484 </div><div class=\"t s6_94\" id=\"t16_94\" style=\"left:345px;bottom:579px;letter-spacing:0.4px;display:inline;\">1,513 </div><div class=\"t s7_94\" id=\"t17_94\" style=\"left:433px;bottom:579px;display:inline;\">\u2013 </div><div class=\"t s7_94\" id=\"t18_94\" style=\"left:490px;bottom:579px;letter-spacing:0.08px;display:inline;\">933 </div><div class=\"t s7_94\" id=\"t19_94\" style=\"left:559px;bottom:579px;letter-spacing:0.08px;display:inline;\">933 </div>\n<div class=\"t s8_94\" id=\"t1a_94\" style=\"left:78px;bottom:557px;word-spacing:0.1px;display:inline;\">Total employee </div>\n<div class=\"t s8_94\" id=\"t1b_94\" style=\"left:78px;bottom:540px;letter-spacing:0.1px;display:inline;\">benefits and </div>\n<div class=\"t s8_94\" id=\"t1c_94\" style=\"left:78px;bottom:522px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">services expenses </div><div class=\"t s6_94\" id=\"t1d_94\" style=\"left:200px;bottom:522px;letter-spacing:0.3px;display:inline;\">16,121 </div><div class=\"t s6_94\" id=\"t1e_94\" style=\"left:276px;bottom:522px;letter-spacing:0.35px;display:inline;\">6,115 </div><div class=\"t s6_94\" id=\"t1f_94\" style=\"left:338px;bottom:522px;letter-spacing:0.36px;display:inline;\">22,236 </div><div class=\"t s7_94\" id=\"t1g_94\" style=\"left:405px;bottom:522px;letter-spacing:0.15px;display:inline;\">16,924 </div><div class=\"t s7_94\" id=\"t1h_94\" style=\"left:480px;bottom:522px;letter-spacing:0.3px;display:inline;\">5,446 </div><div class=\"t s7_94\" id=\"t1i_94\" style=\"left:543px;bottom:522px;letter-spacing:0.2px;display:inline;\">22,370 </div>\n<div class=\"t s3_94\" id=\"t1j_94\" style=\"left:74px;bottom:484px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">Gross transactional value </div>\n<div class=\"t s9_94\" id=\"t1k_94\" style=\"left:74px;bottom:462px;letter-spacing:-0.18px;word-spacing:-0.09px;display:inline;\">Gross transactional value represents the total value of revenue generated from both </div>\n<div class=\"t s9_94\" id=\"t1l_94\" style=\"left:74px;bottom:444px;letter-spacing:-0.17px;word-spacing:-0.06px;display:inline;\">principal and agency arrangements. Gross transactional value from the sale of goods </div>\n<div class=\"t s9_94\" id=\"t1m_94\" style=\"left:74px;bottom:425px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">and vouchers is recognised at the net value when significant risks and rewards of </div>\n<div class=\"t s9_94\" id=\"t1n_94\" style=\"left:74px;bottom:407px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">ownership of the goods and vouchers have been passed to the buyer, usually on </div>\n<div class=\"t s9_94\" id=\"t1o_94\" style=\"left:74px;bottom:389px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">the dispatch of the goods and vouchers. The Company is considered to be an agent </div>\n<div class=\"t sa_94\" id=\"t1p_94\" style=\"left:74px;bottom:370px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">for voucher sales of \u00a33,677,000 (2021: \u00a36,668,000) of the total transaction value of </div>\n<div class=\"t sa_94\" id=\"t1q_94\" style=\"left:74px;bottom:352px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">\u00a340,830,000 (2021: \u00a333,096,000). </div>\n<div class=\"t s4_94\" id=\"t1r_94\" style=\"left:453px;bottom:316px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t1s_94\" style=\"left:449px;bottom:300px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t1t_94\" style=\"left:550px;bottom:316px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t1u_94\" style=\"left:544px;bottom:300px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t1v_94\" style=\"left:78px;bottom:278px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Voucher revenue recognised as principal </div><div class=\"t s6_94\" id=\"t1w_94\" style=\"left:448px;bottom:278px;letter-spacing:0.12px;display:inline;\">37,153 </div><div class=\"t s7_94\" id=\"t1x_94\" style=\"left:543px;bottom:278px;letter-spacing:0.15px;display:inline;\">26,428 </div>\n<div class=\"t s5_94\" id=\"t1y_94\" style=\"left:78px;bottom:256px;letter-spacing:0.06px;word-spacing:0.02px;display:inline;\">Voucher resale for revenue recognised as agency </div><div class=\"t s8_94\" id=\"t1z_94\" style=\"left:454px;bottom:256px;letter-spacing:0.22px;display:inline;\">3,677 </div><div class=\"t s7_94\" id=\"t20_94\" style=\"left:549px;bottom:256px;letter-spacing:0.21px;display:inline;\">6,668 </div>\n<div class=\"t s8_94\" id=\"t21_94\" style=\"left:78px;bottom:234px;letter-spacing:0.08px;word-spacing:-0.21px;display:inline;\">Gross transactional value </div><div class=\"t s6_94\" id=\"t22_94\" style=\"left:447px;bottom:234px;letter-spacing:0.29px;display:inline;\">40,830 </div>33,096",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11167": {
   "value": "The other operating segment consists exclusively of revenue generated by Berkeley <div class=\"t sa_92\" id=\"t2t_92\" style=\"left:621px;bottom:107px;letter-spacing:-0.03px;display:inline;\">Morgan Group (BMG) and its subsidiary undertakings along with any investment and </div>\n<div class=\"t sa_92\" id=\"t2u_92\" style=\"left:621px;bottom:88px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">rental income obtained by the Group. This segment also includes revenue generated </div>\n<div class=\"t sa_92\" id=\"t2v_92\" style=\"left:621px;bottom:70px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">from the resale of vouchers (Note 2.22). </div><div></div><div class=\"t s1_93\" id=\"t1_93\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_93\" id=\"t2_93\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_93\" id=\"t3_93\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_93\" id=\"t4_93\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_93\" id=\"t5_93\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_93\" id=\"t6_93\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_93\" id=\"t7_93\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_93\" id=\"t8_93\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_93\" id=\"t9_93\" style=\"left:1107px;bottom:878px;letter-spacing:-0.25px;display:inline;\"></div>\n\n\n<div class=\"t sa_93\" id=\"te_93\" style=\"left:456px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_93\" id=\"tf_93\" style=\"left:451px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_93\" id=\"tg_93\" style=\"left:553px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_93\" id=\"th_93\" style=\"left:547px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_93\" id=\"ti_93\" style=\"left:79px;bottom:701px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Revenue by segment </div>\n<div class=\"t sb_93\" id=\"tj_93\" style=\"left:79px;bottom:679px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Affordable Insurance </div><div class=\"t sc_93\" id=\"tk_93\" style=\"left:450px;bottom:679px;letter-spacing:0.3px;display:inline;\">25,257 </div><div class=\"t sd_93\" id=\"tl_93\" style=\"left:546px;bottom:679px;letter-spacing:0.09px;display:inline;\">24,670 </div>\n<div class=\"t sb_93\" id=\"tm_93\" style=\"left:79px;bottom:657px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other Owned Benefits </div><div class=\"t sc_93\" id=\"tn_93\" style=\"left:449px;bottom:657px;letter-spacing:0.34px;display:inline;\">16,800 </div><div class=\"t sd_93\" id=\"to_93\" style=\"left:546px;bottom:657px;letter-spacing:0.22px;display:inline;\">18,214 </div>\n<div class=\"t sb_93\" id=\"tp_93\" style=\"left:79px;bottom:635px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform </div><div class=\"t s4_93\" id=\"tq_93\" style=\"left:457px;bottom:635px;letter-spacing:0.15px;display:inline;\">7,446 </div><div class=\"t sd_93\" id=\"tr_93\" style=\"left:553px;bottom:635px;letter-spacing:0.09px;display:inline;\">6,051 </div>\n<div class=\"t sb_93\" id=\"ts_93\" style=\"left:79px;bottom:613px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Benefits Platform \u2013 Group Elimination </div><div class=\"t sc_93\" id=\"tt_93\" style=\"left:453px;bottom:613px;letter-spacing:0.24px;display:inline;\">(2,627) </div><div class=\"t sd_93\" id=\"tu_93\" style=\"left:550px;bottom:613px;letter-spacing:0.02px;display:inline;\">(2,748) </div>\n<div class=\"t sb_93\" id=\"tv_93\" style=\"left:79px;bottom:590px;letter-spacing:0.01px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div><div class=\"t sc_93\" id=\"tw_93\" style=\"left:456px;bottom:590px;letter-spacing:0.38px;display:inline;\">2,008 </div><div class=\"t sd_93\" id=\"tx_93\" style=\"left:552px;bottom:590px;letter-spacing:0.31px;display:inline;\">1,236 </div>\n<div class=\"t s4_93\" id=\"ty_93\" style=\"left:79px;bottom:568px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Other income </div>\n<div class=\"t sb_93\" id=\"tz_93\" style=\"left:79px;bottom:546px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Voucher resale </div><div class=\"t s4_93\" id=\"t10_93\" style=\"left:451px;bottom:546px;letter-spacing:0.12px;display:inline;\">37,389 </div><div class=\"t sd_93\" id=\"t11_93\" style=\"left:546px;bottom:546px;letter-spacing:0.17px;display:inline;\">26,852 </div>\n<div class=\"t sb_93\" id=\"t12_93\" style=\"left:79px;bottom:524px;letter-spacing:0.12px;display:inline;\">Other </div><div class=\"t sc_93\" id=\"t13_93\" style=\"left:466px;bottom:524px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sd_93\" id=\"t14_93\" style=\"left:561px;bottom:524px;letter-spacing:0.39px;display:inline;\">215 </div>\n<div class=\"t sb_93\" id=\"t15_93\" style=\"left:79px;bottom:502px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">Investment income </div><div class=\"t sc_93\" id=\"t16_93\" style=\"left:466px;bottom:502px;letter-spacing:0.42px;display:inline;\">145 </div><div class=\"t sd_93\" id=\"t17_93\" style=\"left:568px;bottom:502px;letter-spacing:0.36px;display:inline;\">23 </div>\n<div class=\"t s4_93\" id=\"t18_93\" style=\"left:79px;bottom:480px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">Group Revenue </div><div class=\"t sc_93\" id=\"t19_93\" style=\"left:450px;bottom:480px;letter-spacing:0.22px;display:inline;\">86,655 </div>74,513",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11474": {
   "value": "6 Investment income <div class=\"t s4_94\" id=\"t25_94\" style=\"left:453px;bottom:166px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t26_94\" style=\"left:449px;bottom:150px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t27_94\" style=\"left:550px;bottom:166px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t28_94\" style=\"left:544px;bottom:150px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t29_94\" style=\"left:78px;bottom:128px;letter-spacing:0.09px;word-spacing:-0.01px;display:inline;\">Interest income from cash on deposit </div><div class=\"t s6_94\" id=\"t2a_94\" style=\"left:463px;bottom:128px;letter-spacing:0.42px;display:inline;\">145 </div><div class=\"t s7_94\" id=\"t2b_94\" style=\"left:565px;bottom:128px;letter-spacing:0.36px;display:inline;\">23 </div>\n<div class=\"t s8_94\" id=\"t2c_94\" style=\"left:78px;bottom:106px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Total investment income </div><div class=\"t s6_94\" id=\"t2d_94\" style=\"left:463px;bottom:106px;letter-spacing:0.42px;display:inline;\">145 </div>23",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11488": {
   "value": "7 Claims incurred <div class=\"t s4_94\" id=\"t2g_94\" style=\"left:1001px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t2h_94\" style=\"left:996px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t2i_94\" style=\"left:1098px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t2j_94\" style=\"left:1092px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t2k_94\" style=\"left:626px;bottom:701px;letter-spacing:0.1px;display:inline;\">Claims paid </div><div class=\"t s6_94\" id=\"t2l_94\" style=\"left:1001px;bottom:701px;letter-spacing:0.26px;display:inline;\">6,353 </div><div class=\"t s7_94\" id=\"t2m_94\" style=\"left:1097px;bottom:701px;letter-spacing:0.31px;display:inline;\">5,884 </div>\n<div class=\"t s5_94\" id=\"t2n_94\" style=\"left:626px;bottom:679px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Reinsurers\u2019 share of claims paid </div><div class=\"t s8_94\" id=\"t2o_94\" style=\"left:1014px;bottom:679px;letter-spacing:0.23px;display:inline;\">(66) </div><div class=\"t s7_94\" id=\"t2p_94\" style=\"left:1110px;bottom:679px;letter-spacing:0.08px;display:inline;\">(63) </div>\n<div class=\"t s5_94\" id=\"t2q_94\" style=\"left:626px;bottom:657px;letter-spacing:0.1px;display:inline;\">Claims handling expenses paid </div><div class=\"t s6_94\" id=\"t2r_94\" style=\"left:1011px;bottom:657px;letter-spacing:0.21px;display:inline;\">570 </div><div class=\"t s7_94\" id=\"t2s_94\" style=\"left:1107px;bottom:657px;letter-spacing:0.26px;display:inline;\">542 </div>\n<div class=\"t s6_94\" id=\"t2t_94\" style=\"left:1001px;bottom:635px;letter-spacing:0.25px;display:inline;\">6,857 </div><div class=\"t s7_94\" id=\"t2u_94\" style=\"left:1097px;bottom:635px;letter-spacing:0.22px;display:inline;\">6,363 </div>\n<div class=\"t s5_94\" id=\"t2v_94\" style=\"left:626px;bottom:613px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Increase in claims provision </div><div class=\"t s6_94\" id=\"t2w_94\" style=\"left:1011px;bottom:613px;letter-spacing:0.32px;display:inline;\">132 </div><div class=\"t s7_94\" id=\"t2x_94\" style=\"left:1104px;bottom:613px;letter-spacing:0.12px;display:inline;\">(275) </div>\n<div class=\"t s5_94\" id=\"t2y_94\" style=\"left:626px;bottom:590px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Reinsurers\u2019 share of movements in claims provision </div><div class=\"t s6_94\" id=\"t2z_94\" style=\"left:1024px;bottom:590px;display:inline;\">1 </div><div class=\"t s7_94\" id=\"t30_94\" style=\"left:1110px;bottom:590px;letter-spacing:0.18px;display:inline;\">(39) </div>\n<div class=\"t s6_94\" id=\"t31_94\" style=\"left:1011px;bottom:568px;letter-spacing:0.28px;display:inline;\">133 </div><div class=\"t s7_94\" id=\"t32_94\" style=\"left:1103px;bottom:568px;letter-spacing:0.23px;display:inline;\">(358) </div>\n<div class=\"t s8_94\" id=\"t33_94\" style=\"left:626px;bottom:546px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Total claims incurred </div><div class=\"t s6_94\" id=\"t34_94\" style=\"left:1001px;bottom:546px;letter-spacing:0.33px;display:inline;\">6,990 </div>6,049",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfClaimsAndBenefitsPaidExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11518": {
   "value": "8 Insurance operating expenses <div class=\"t s4_94\" id=\"t37_94\" style=\"left:1001px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s4_94\" id=\"t38_94\" style=\"left:996px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_94\" id=\"t39_94\" style=\"left:1098px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s4_94\" id=\"t3a_94\" style=\"left:1092px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s5_94\" id=\"t3b_94\" style=\"left:626px;bottom:424px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Incurred acquisition costs </div><div class=\"t s6_94\" id=\"t3c_94\" style=\"left:1002px;bottom:424px;letter-spacing:0.21px;display:inline;\">5,078 </div><div class=\"t sc_94\" id=\"t3d_94\" style=\"left:1097px;bottom:424px;letter-spacing:0.22px;display:inline;\">3,472 </div>\n<div class=\"t s5_94\" id=\"t3e_94\" style=\"left:626px;bottom:402px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Administration expenses </div><div class=\"t s6_94\" id=\"t3f_94\" style=\"left:1001px;bottom:402px;letter-spacing:0.42px;display:inline;\">1,541 </div><div class=\"t sc_94\" id=\"t3g_94\" style=\"left:1096px;bottom:402px;letter-spacing:0.49px;display:inline;\">1,388 </div>\n<div class=\"t s8_94\" id=\"t3h_94\" style=\"left:626px;bottom:380px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Total Insurance operating expenses </div><div class=\"t s6_94\" id=\"t3i_94\" style=\"left:1002px;bottom:380px;letter-spacing:0.22px;display:inline;\">6,619 </div><div class=\"t sc_94\" id=\"t3j_94\" style=\"left:1097px;bottom:380px;letter-spacing:0.42px;display:inline;\">4,860 </div>\n<div class=\"t sa_94\" id=\"t3k_94\" style=\"left:621px;bottom:341px;letter-spacing:-0.07px;display:inline;\">Total commission incurred during the year in respect of direct insurance was \u00a31,107,000 </div>\n(2021: \u00a3762,000). ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11594": {
   "value": "9 Directors\u2019 and employees\u2019 remuneration <div class=\"t s9_95\" id=\"td_95\" style=\"left:74px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">a) Staff costs (excluding Non-Executive Directors\u2019 fees) during the year </div>\n<div class=\"t s9_95\" id=\"te_95\" style=\"left:88px;bottom:728px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">were as follows: </div>\n<div class=\"t sa_95\" id=\"tf_95\" style=\"left:453px;bottom:701px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"tg_95\" style=\"left:449px;bottom:685px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"th_95\" style=\"left:550px;bottom:701px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"ti_95\" style=\"left:544px;bottom:685px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_95\" id=\"tj_95\" style=\"left:78px;bottom:663px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Wages and salaries </div><div class=\"t sc_95\" id=\"tk_95\" style=\"left:446px;bottom:663px;letter-spacing:0.39px;display:inline;\">11,289 </div><div class=\"t sd_95\" id=\"tl_95\" style=\"left:543px;bottom:663px;letter-spacing:0.27px;display:inline;\">11,151 </div>\n<div class=\"t sb_95\" id=\"tm_95\" style=\"left:78px;bottom:641px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share-based payments expense </div><div class=\"t sc_95\" id=\"tn_95\" style=\"left:464px;bottom:641px;letter-spacing:0.24px;display:inline;\">291 </div><div class=\"t se_95\" id=\"to_95\" style=\"left:559px;bottom:641px;letter-spacing:0.18px;display:inline;\">169 </div>\n<div class=\"t sb_95\" id=\"tp_95\" style=\"left:78px;bottom:619px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Social security costs </div><div class=\"t sc_95\" id=\"tq_95\" style=\"left:453px;bottom:619px;letter-spacing:0.39px;display:inline;\">1,450 </div><div class=\"t se_95\" id=\"tr_95\" style=\"left:549px;bottom:619px;letter-spacing:0.2px;display:inline;\">1,278 </div>\n<div class=\"t sb_95\" id=\"ts_95\" style=\"left:78px;bottom:597px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Other pension costs </div><div class=\"t sc_95\" id=\"tt_95\" style=\"left:463px;bottom:597px;letter-spacing:0.27px;display:inline;\">561 </div><div class=\"t se_95\" id=\"tu_95\" style=\"left:558px;bottom:597px;letter-spacing:0.47px;display:inline;\">504 </div>\n<div class=\"t s4_95\" id=\"tv_95\" style=\"left:78px;bottom:575px;letter-spacing:0.01px;word-spacing:0.08px;display:inline;\">Total staff costs </div><div class=\"t sc_95\" id=\"tw_95\" style=\"left:447px;bottom:575px;letter-spacing:0.28px;display:inline;\">13,591 </div><div class=\"t se_95\" id=\"tx_95\" style=\"left:543px;bottom:575px;letter-spacing:0.24px;display:inline;\">13,102 </div>\n<div class=\"t sf_95\" id=\"ty_95\" style=\"left:74px;bottom:536px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">During the year the Group received \u00a3nil from the job retention scheme (2021: \u00a3126,000). </div>\n<div class=\"t sg_95\" id=\"tz_95\" style=\"left:74px;bottom:517px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These government grants have been offset against the salary costs in the table above. </div>\n<div class=\"t sg_95\" id=\"t10_95\" style=\"left:74px;bottom:486px;letter-spacing:-0.06px;word-spacing:-0.08px;display:inline;\">Average number of employees through the year was as follows: </div>\n<div class=\"t sa_95\" id=\"t11_95\" style=\"left:453px;bottom:450px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t12_95\" style=\"left:435px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sa_95\" id=\"t13_95\" style=\"left:550px;bottom:450px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t14_95\" style=\"left:530px;bottom:434px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sb_95\" id=\"t15_95\" style=\"left:78px;bottom:412px;letter-spacing:0.09px;display:inline;\">Administration </div><div class=\"t sc_95\" id=\"t16_95\" style=\"left:464px;bottom:412px;letter-spacing:0.25px;display:inline;\">161 </div><div class=\"t se_95\" id=\"t17_95\" style=\"left:559px;bottom:412px;letter-spacing:0.27px;display:inline;\">160 </div>\n<div class=\"t sb_95\" id=\"t18_95\" style=\"left:78px;bottom:390px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Sales and marketing </div><div class=\"t sc_95\" id=\"t19_95\" style=\"left:464px;bottom:390px;letter-spacing:0.27px;display:inline;\">101 </div><div class=\"t se_95\" id=\"t1a_95\" style=\"left:565px;bottom:390px;letter-spacing:0.34px;display:inline;\">73 </div>\n<div class=\"t s4_95\" id=\"t1b_95\" style=\"left:78px;bottom:368px;letter-spacing:0.03px;word-spacing:0.08px;display:inline;\">Total number of employees </div><div class=\"t sc_95\" id=\"t1c_95\" style=\"left:464px;bottom:368px;letter-spacing:0.24px;display:inline;\">262 </div><div class=\"t se_95\" id=\"t1d_95\" style=\"left:559px;bottom:368px;letter-spacing:0.25px;display:inline;\">233 </div>\n<div class=\"t s9_95\" id=\"t1e_95\" style=\"left:74px;bottom:330px;letter-spacing:-0.02px;word-spacing:-0.1px;display:inline;\">b) Directors\u2019 remuneration: </div>\n<div class=\"t sa_95\" id=\"t1f_95\" style=\"left:453px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t1g_95\" style=\"left:449px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t1h_95\" style=\"left:550px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t1i_95\" style=\"left:544px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_95\" id=\"t1j_95\" style=\"left:78px;bottom:265px;letter-spacing:0.12px;display:inline;\">Emoluments </div><div class=\"t sc_95\" id=\"t1k_95\" style=\"left:464px;bottom:265px;letter-spacing:0.21px;display:inline;\">916 </div><div class=\"t se_95\" id=\"t1l_95\" style=\"left:549px;bottom:265px;letter-spacing:0.2px;display:inline;\">1,024 </div>\n<div class=\"t sb_95\" id=\"t1m_95\" style=\"left:78px;bottom:243px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Amounts paid to third parties in respect of Directors\u2019 </div>\n<div class=\"t sb_95\" id=\"t1n_95\" style=\"left:78px;bottom:226px;letter-spacing:0.09px;display:inline;\">services </div><div class=\"t s4_95\" id=\"t1o_95\" style=\"left:476px;bottom:226px;display:inline;\">\u2013 </div><div class=\"t se_95\" id=\"t1p_95\" style=\"left:565px;bottom:226px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sb_95\" id=\"t1q_95\" style=\"left:78px;bottom:204px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t1r_95\" style=\"left:470px;bottom:204px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sh_95\" id=\"t1s_95\" style=\"left:572px;bottom:204px;display:inline;\">\u2013 </div>\n<div class=\"t sb_95\" id=\"t1t_95\" style=\"left:78px;bottom:181px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">Pension contributions to Group and self-invested </div>\n<div class=\"t sb_95\" id=\"t1u_95\" style=\"left:78px;bottom:164px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">personal pension schemes </div><div class=\"t sc_95\" id=\"t1v_95\" style=\"left:470px;bottom:164px;letter-spacing:0.31px;display:inline;\">29 </div><div class=\"t se_95\" id=\"t1w_95\" style=\"left:565px;bottom:164px;letter-spacing:0.26px;display:inline;\">26 </div>\n<div class=\"t s4_95\" id=\"t1x_95\" style=\"left:78px;bottom:142px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Total Director\u2019s remuneration </div><div class=\"t sc_95\" id=\"t1y_95\" style=\"left:453px;bottom:142px;letter-spacing:0.4px;display:inline;\">1,024 </div><div class=\"t se_95\" id=\"t1z_95\" style=\"left:549px;bottom:142px;letter-spacing:0.23px;display:inline;\">1,062 </div>\n<div class=\"t sf_95\" id=\"t20_95\" style=\"left:74px;bottom:103px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">During the year, three Directors (2021: three Directors) participated in Group and </div>\n<div class=\"t sg_95\" id=\"t21_95\" style=\"left:74px;bottom:84px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">self-invested personal pension schemes. </div>\n<div class=\"t sg_95\" id=\"t22_95\" style=\"left:621px;bottom:768px;letter-spacing:-0.03px;display:inline;\">The amounts set out above include remuneration in respect of the highest paid Director </div>\n<div class=\"t sg_95\" id=\"t23_95\" style=\"left:621px;bottom:750px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">as follows. All emoluments relate to payments made by subsidiary undertakings. </div>\n<div class=\"t sa_95\" id=\"t24_95\" style=\"left:1001px;bottom:714px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t25_95\" style=\"left:996px;bottom:698px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t26_95\" style=\"left:1098px;bottom:714px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t27_95\" style=\"left:1092px;bottom:698px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_95\" id=\"t28_95\" style=\"left:626px;bottom:676px;letter-spacing:0.12px;display:inline;\">Emoluments </div><div class=\"t sc_95\" id=\"t29_95\" style=\"left:1012px;bottom:676px;letter-spacing:0.18px;display:inline;\">332 </div><div class=\"t sh_95\" id=\"t2a_95\" style=\"left:1107px;bottom:676px;letter-spacing:0.1px;display:inline;\">416 </div>\n<div class=\"t sb_95\" id=\"t2b_95\" style=\"left:626px;bottom:654px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t2c_95\" style=\"left:1018px;bottom:654px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sh_95\" id=\"t2d_95\" style=\"left:1119px;bottom:654px;display:inline;\">\u2013 </div>\n<div class=\"t sb_95\" id=\"t2e_95\" style=\"left:626px;bottom:632px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">Pension contributions to Group and self-invested </div>\n<div class=\"t sb_95\" id=\"t2f_95\" style=\"left:626px;bottom:614px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">personal pension schemes </div><div class=\"t sc_95\" id=\"t2g_95\" style=\"left:1018px;bottom:614px;letter-spacing:0.33px;display:inline;\">10 </div><div class=\"t sh_95\" id=\"t2h_95\" style=\"left:1113px;bottom:614px;letter-spacing:0.25px;display:inline;\">10 </div>\n<div class=\"t s4_95\" id=\"t2i_95\" style=\"left:626px;bottom:592px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sc_95\" id=\"t2j_95\" style=\"left:1011px;bottom:592px;letter-spacing:0.28px;display:inline;\">421 </div><div class=\"t sh_95\" id=\"t2k_95\" style=\"left:1107px;bottom:592px;letter-spacing:0.28px;display:inline;\">426 </div>\n<div class=\"t sg_95\" id=\"t2l_95\" style=\"left:621px;bottom:553px;letter-spacing:-0.23px;word-spacing:0.01px;display:inline;\">Details of individual Director\u2019s remuneration are given in the Remuneration Report on pages </div>\n<div class=\"t sf_95\" id=\"t2m_95\" style=\"left:621px;bottom:533px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">54 to 57. The Company does not incur employee remuneration. </div>\n<div class=\"t sg_95\" id=\"t2n_95\" style=\"left:621px;bottom:502px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">Key management of the Group are the Directors of Personal Group Holdings Plc together </div>\n<div class=\"t sg_95\" id=\"t2o_95\" style=\"left:621px;bottom:483px;letter-spacing:-0.31px;word-spacing:-0.03px;display:inline;\">with the members of the Senior Leadership Team. Key management personnel remuneration </div>\n<div class=\"t sg_95\" id=\"t2p_95\" style=\"left:621px;bottom:465px;letter-spacing:-0.02px;word-spacing:-0.12px;display:inline;\">includes the following expenses: </div>\n<div class=\"t sa_95\" id=\"t2q_95\" style=\"left:1001px;bottom:429px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t2r_95\" style=\"left:996px;bottom:413px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t2s_95\" style=\"left:1098px;bottom:429px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t2t_95\" style=\"left:1092px;bottom:413px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_95\" id=\"t2u_95\" style=\"left:626px;bottom:391px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Short-term employee benefits: </div>\n<div class=\"t sb_95\" id=\"t2v_95\" style=\"left:626px;bottom:369px;letter-spacing:0.1px;display:inline;\">Salaries including bonuses </div><div class=\"t sc_95\" id=\"t2w_95\" style=\"left:1001px;bottom:369px;letter-spacing:0.42px;display:inline;\">1,443 </div><div class=\"t se_95\" id=\"t2x_95\" style=\"left:1097px;bottom:369px;letter-spacing:0.16px;display:inline;\">2,052 </div>\n<div class=\"t sb_95\" id=\"t2y_95\" style=\"left:626px;bottom:347px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Social security costs </div><div class=\"t sc_95\" id=\"t2z_95\" style=\"left:1011px;bottom:347px;letter-spacing:0.36px;display:inline;\">199 </div><div class=\"t se_95\" id=\"t30_95\" style=\"left:1107px;bottom:347px;letter-spacing:0.24px;display:inline;\">283 </div>\n<div class=\"t sb_95\" id=\"t31_95\" style=\"left:626px;bottom:325px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t32_95\" style=\"left:1018px;bottom:325px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sd_95\" id=\"t33_95\" style=\"left:1119px;bottom:325px;display:inline;\">\u2013 </div>\n<div class=\"t sc_95\" id=\"t34_95\" style=\"left:1001px;bottom:303px;letter-spacing:0.28px;display:inline;\">1,721 </div><div class=\"t se_95\" id=\"t35_95\" style=\"left:1097px;bottom:303px;letter-spacing:0.21px;display:inline;\">2,335 </div>\n<div class=\"t s4_95\" id=\"t36_95\" style=\"left:626px;bottom:281px;letter-spacing:0.11px;word-spacing:0.01px;display:inline;\">Post-employment benefits: </div>\n<div class=\"t sb_95\" id=\"t37_95\" style=\"left:626px;bottom:258px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Defined contribution pension plans </div><div class=\"t sc_95\" id=\"t38_95\" style=\"left:1018px;bottom:258px;letter-spacing:0.22px;display:inline;\">62 </div><div class=\"t sd_95\" id=\"t39_95\" style=\"left:1113px;bottom:258px;letter-spacing:0.42px;display:inline;\">66 </div>\n<div class=\"t s4_95\" id=\"t3a_95\" style=\"left:626px;bottom:236px;letter-spacing:0.04px;word-spacing:0.07px;display:inline;\">Total remuneration </div><div class=\"t sc_95\" id=\"t3b_95\" style=\"left:1001px;bottom:236px;letter-spacing:0.27px;display:inline;\">1,783 </div>2,401",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11679": {
   "value": "Key management of the Group are the Directors of Personal Group Holdings Plc together <div class=\"t sg_95\" id=\"t2o_95\" style=\"left:621px;bottom:483px;letter-spacing:-0.31px;word-spacing:-0.03px;display:inline;\">with the members of the Senior Leadership Team. Key management personnel remuneration </div>\n<div class=\"t sg_95\" id=\"t2p_95\" style=\"left:621px;bottom:465px;letter-spacing:-0.02px;word-spacing:-0.12px;display:inline;\">includes the following expenses: </div>\n<div class=\"t sa_95\" id=\"t2q_95\" style=\"left:1001px;bottom:429px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sa_95\" id=\"t2r_95\" style=\"left:996px;bottom:413px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_95\" id=\"t2s_95\" style=\"left:1098px;bottom:429px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sa_95\" id=\"t2t_95\" style=\"left:1092px;bottom:413px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_95\" id=\"t2u_95\" style=\"left:626px;bottom:391px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Short-term employee benefits: </div>\n<div class=\"t sb_95\" id=\"t2v_95\" style=\"left:626px;bottom:369px;letter-spacing:0.1px;display:inline;\">Salaries including bonuses </div><div class=\"t sc_95\" id=\"t2w_95\" style=\"left:1001px;bottom:369px;letter-spacing:0.42px;display:inline;\">1,443 </div><div class=\"t se_95\" id=\"t2x_95\" style=\"left:1097px;bottom:369px;letter-spacing:0.16px;display:inline;\">2,052 </div>\n<div class=\"t sb_95\" id=\"t2y_95\" style=\"left:626px;bottom:347px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Social security costs </div><div class=\"t sc_95\" id=\"t2z_95\" style=\"left:1011px;bottom:347px;letter-spacing:0.36px;display:inline;\">199 </div><div class=\"t se_95\" id=\"t30_95\" style=\"left:1107px;bottom:347px;letter-spacing:0.24px;display:inline;\">283 </div>\n<div class=\"t sb_95\" id=\"t31_95\" style=\"left:626px;bottom:325px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Gain on exercise of options </div><div class=\"t sc_95\" id=\"t32_95\" style=\"left:1018px;bottom:325px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sd_95\" id=\"t33_95\" style=\"left:1119px;bottom:325px;display:inline;\">\u2013 </div>\n<div class=\"t sc_95\" id=\"t34_95\" style=\"left:1001px;bottom:303px;letter-spacing:0.28px;display:inline;\">1,721 </div><div class=\"t se_95\" id=\"t35_95\" style=\"left:1097px;bottom:303px;letter-spacing:0.21px;display:inline;\">2,335 </div>\n<div class=\"t s4_95\" id=\"t36_95\" style=\"left:626px;bottom:281px;letter-spacing:0.11px;word-spacing:0.01px;display:inline;\">Post-employment benefits: </div>\n<div class=\"t sb_95\" id=\"t37_95\" style=\"left:626px;bottom:258px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Defined contribution pension plans </div><div class=\"t sc_95\" id=\"t38_95\" style=\"left:1018px;bottom:258px;letter-spacing:0.22px;display:inline;\">62 </div><div class=\"t sd_95\" id=\"t39_95\" style=\"left:1113px;bottom:258px;letter-spacing:0.42px;display:inline;\">66 </div>\n<div class=\"t s4_95\" id=\"t3a_95\" style=\"left:626px;bottom:236px;letter-spacing:0.04px;word-spacing:0.07px;display:inline;\">Total remuneration </div><div class=\"t sc_95\" id=\"t3b_95\" style=\"left:1001px;bottom:236px;letter-spacing:0.27px;display:inline;\">1,783 </div>2,401",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11742": {
   "value": "10 Profit before tax <div class=\"t s9_96\" id=\"td_96\" style=\"left:453px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_96\" id=\"te_96\" style=\"left:449px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_96\" id=\"tf_96\" style=\"left:550px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_96\" id=\"tg_96\" style=\"left:544px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_96\" id=\"th_96\" style=\"left:78px;bottom:701px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Profit before tax is stated after: </div>\n<div class=\"t sa_96\" id=\"ti_96\" style=\"left:78px;bottom:679px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Auditor\u2019s remuneration (inclusive of non-recoverable </div>\n<div class=\"t sa_96\" id=\"tj_96\" style=\"left:78px;bottom:661px;letter-spacing:-0.17px;display:inline;\">VAT): </div>\n<div class=\"t sa_96\" id=\"tk_96\" style=\"left:78px;bottom:639px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Audit services: </div>\n<div class=\"t sa_96\" id=\"tl_96\" style=\"left:95px;bottom:617px;letter-spacing:0.05px;word-spacing:-0.03px;display:inline;\">Audit of Company financial statements \u2013 Current Year </div><div class=\"t sb_96\" id=\"tm_96\" style=\"left:463px;bottom:617px;letter-spacing:0.41px;display:inline;\">158 </div><div class=\"t sc_96\" id=\"tn_96\" style=\"left:559px;bottom:617px;letter-spacing:0.05px;display:inline;\">172 </div>\n<div class=\"t sa_96\" id=\"to_96\" style=\"left:95px;bottom:595px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Audit of subsidiary undertakings </div><div class=\"t sb_96\" id=\"tp_96\" style=\"left:463px;bottom:595px;letter-spacing:0.33px;display:inline;\">139 </div><div class=\"t sc_96\" id=\"tq_96\" style=\"left:559px;bottom:595px;letter-spacing:0.36px;display:inline;\">120 </div>\n<div class=\"t sa_96\" id=\"tr_96\" style=\"left:95px;bottom:573px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Non-audit services </div><div class=\"t s4_96\" id=\"ts_96\" style=\"left:476px;bottom:573px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"tt_96\" style=\"left:571px;bottom:573px;display:inline;\">\u2013 </div>\n<div class=\"t sa_96\" id=\"tu_96\" style=\"left:78px;bottom:551px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Depreciation of property, plant and equipment </div><div class=\"t sb_96\" id=\"tv_96\" style=\"left:453px;bottom:551px;letter-spacing:0.29px;display:inline;\">1,052 </div><div class=\"t sc_96\" id=\"tw_96\" style=\"left:558px;bottom:551px;letter-spacing:0.42px;display:inline;\">966 </div>\n<div class=\"t sa_96\" id=\"tx_96\" style=\"left:78px;bottom:529px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Amortisation of intangibles </div><div class=\"t s4_96\" id=\"ty_96\" style=\"left:463px;bottom:529px;letter-spacing:0.32px;display:inline;\">786 </div><div class=\"t sd_96\" id=\"tz_96\" style=\"left:559px;bottom:529px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sa_96\" id=\"t10_96\" style=\"left:78px;bottom:506px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Rental income receivable </div><div class=\"t s4_96\" id=\"t11_96\" style=\"left:470px;bottom:506px;letter-spacing:0.45px;display:inline;\">94 </div>101",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11745": {
   "value": "2022 <div class=\"t s9_96\" id=\"te_96\" style=\"left:449px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_96\" id=\"tf_96\" style=\"left:550px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_96\" id=\"tg_96\" style=\"left:544px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_96\" id=\"th_96\" style=\"left:78px;bottom:701px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Profit before tax is stated after: </div>\n<div class=\"t sa_96\" id=\"ti_96\" style=\"left:78px;bottom:679px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Auditor\u2019s remuneration (inclusive of non-recoverable </div>\n<div class=\"t sa_96\" id=\"tj_96\" style=\"left:78px;bottom:661px;letter-spacing:-0.17px;display:inline;\">VAT): </div>\n<div class=\"t sa_96\" id=\"tk_96\" style=\"left:78px;bottom:639px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Audit services: </div>\n<div class=\"t sa_96\" id=\"tl_96\" style=\"left:95px;bottom:617px;letter-spacing:0.05px;word-spacing:-0.03px;display:inline;\">Audit of Company financial statements \u2013 Current Year </div><div class=\"t sb_96\" id=\"tm_96\" style=\"left:463px;bottom:617px;letter-spacing:0.41px;display:inline;\">158 </div><div class=\"t sc_96\" id=\"tn_96\" style=\"left:559px;bottom:617px;letter-spacing:0.05px;display:inline;\">172 </div>\n<div class=\"t sa_96\" id=\"to_96\" style=\"left:95px;bottom:595px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Audit of subsidiary undertakings </div><div class=\"t sb_96\" id=\"tp_96\" style=\"left:463px;bottom:595px;letter-spacing:0.33px;display:inline;\">139 </div><div class=\"t sc_96\" id=\"tq_96\" style=\"left:559px;bottom:595px;letter-spacing:0.36px;display:inline;\">120 </div>\n<div class=\"t sa_96\" id=\"tr_96\" style=\"left:95px;bottom:573px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Non-audit services </div><div class=\"t s4_96\" id=\"ts_96\" style=\"left:476px;bottom:573px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"tt_96\" style=\"left:571px;bottom:573px;display:inline;\">\u2013 </div>\n<div class=\"t sa_96\" id=\"tu_96\" style=\"left:78px;bottom:551px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Depreciation of property, plant and equipment </div><div class=\"t sb_96\" id=\"tv_96\" style=\"left:453px;bottom:551px;letter-spacing:0.29px;display:inline;\">1,052 </div><div class=\"t sc_96\" id=\"tw_96\" style=\"left:558px;bottom:551px;letter-spacing:0.42px;display:inline;\">966 </div>\n<div class=\"t sa_96\" id=\"tx_96\" style=\"left:78px;bottom:529px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Amortisation of intangibles </div><div class=\"t s4_96\" id=\"ty_96\" style=\"left:463px;bottom:529px;letter-spacing:0.32px;display:inline;\">786 </div><div class=\"t sd_96\" id=\"tz_96\" style=\"left:559px;bottom:529px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sa_96\" id=\"t10_96\" style=\"left:78px;bottom:506px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Rental income receivable </div><div class=\"t s4_96\" id=\"t11_96\" style=\"left:470px;bottom:506px;letter-spacing:0.45px;display:inline;\">94 </div>101",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11775": {
   "value": "11 Tax <div class=\"t se_96\" id=\"t14_96\" style=\"left:621px;bottom:743px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">The relationship between the expected tax expense based on the effective tax rate of </div>\n<div class=\"t se_96\" id=\"t15_96\" style=\"left:621px;bottom:725px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Personal Group Holdings Plc at 19% (2021: 19%) and the tax expense recognised in the </div>\n<div class=\"t se_96\" id=\"t16_96\" style=\"left:621px;bottom:707px;letter-spacing:-0.03px;display:inline;\">income statement can be reconciled as follows: </div>\n<div class=\"t s9_96\" id=\"t17_96\" style=\"left:1001px;bottom:671px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_96\" id=\"t18_96\" style=\"left:996px;bottom:655px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_96\" id=\"t19_96\" style=\"left:1098px;bottom:671px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_96\" id=\"t1a_96\" style=\"left:1092px;bottom:655px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_96\" id=\"t1b_96\" style=\"left:626px;bottom:631px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Profit before tax </div><div class=\"t sb_96\" id=\"t1c_96\" style=\"left:998px;bottom:631px;letter-spacing:0.17px;display:inline;\">(6,760) </div><div class=\"t sc_96\" id=\"t1d_96\" style=\"left:1097px;bottom:631px;letter-spacing:0.22px;display:inline;\">4,342 </div>\n<div class=\"t sa_96\" id=\"t1e_96\" style=\"left:626px;bottom:605px;letter-spacing:-0.04px;word-spacing:0.13px;display:inline;\">Tax rate </div><div class=\"t sb_96\" id=\"t1f_96\" style=\"left:1008px;bottom:605px;letter-spacing:0.37px;display:inline;\">19% </div><div class=\"t sc_96\" id=\"t1g_96\" style=\"left:1104px;bottom:605px;letter-spacing:0.41px;display:inline;\">19% </div>\n<div class=\"t sa_96\" id=\"t1h_96\" style=\"left:626px;bottom:578px;letter-spacing:0.1px;word-spacing:-0.09px;display:inline;\">Expected tax expense </div><div class=\"t sb_96\" id=\"t1i_96\" style=\"left:997px;bottom:578px;letter-spacing:0.32px;display:inline;\">(1,284) </div><div class=\"t sc_96\" id=\"t1j_96\" style=\"left:1106px;bottom:578px;letter-spacing:0.37px;display:inline;\">825 </div>\n<div class=\"t sa_96\" id=\"t1k_96\" style=\"left:626px;bottom:552px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Adjustment for non-deductible expenses \u2013 Goodwill </div>\n<div class=\"t sa_96\" id=\"t1l_96\" style=\"left:626px;bottom:534px;letter-spacing:0.11px;display:inline;\">impairment </div><div class=\"t sb_96\" id=\"t1m_96\" style=\"left:1001px;bottom:534px;letter-spacing:0.39px;display:inline;\">2,009 </div><div class=\"t sd_96\" id=\"t1n_96\" style=\"left:1119px;bottom:534px;display:inline;\">\u2013 </div>\n<div class=\"t sa_96\" id=\"t1o_96\" style=\"left:626px;bottom:508px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Adjustment for non-deductible expenses \u2013 Other </div><div class=\"t sb_96\" id=\"t1p_96\" style=\"left:1011px;bottom:508px;letter-spacing:0.32px;display:inline;\">122 </div><div class=\"t sd_96\" id=\"t1q_96\" style=\"left:1113px;bottom:508px;letter-spacing:0.46px;display:inline;\">68 </div>\n<div class=\"t sa_96\" id=\"t1r_96\" style=\"left:626px;bottom:481px;letter-spacing:0.07px;word-spacing:-0.04px;display:inline;\">Adjustment for tax exempt revenues </div><div class=\"t sb_96\" id=\"t1s_96\" style=\"left:1008px;bottom:481px;letter-spacing:0.22px;display:inline;\">(254) </div><div class=\"t sc_96\" id=\"t1t_96\" style=\"left:1104px;bottom:481px;letter-spacing:0.11px;display:inline;\">(101) </div>\n<div class=\"t sa_96\" id=\"t1u_96\" style=\"left:626px;bottom:455px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other adjustments </div>\n<div class=\"t sa_96\" id=\"t1v_96\" style=\"left:643px;bottom:428px;letter-spacing:0.07px;word-spacing:-0.03px;display:inline;\">Effect of tax rate changes on deferred tax </div><div class=\"t s4_96\" id=\"t1w_96\" style=\"left:1024px;bottom:428px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"t1x_96\" style=\"left:1113px;bottom:428px;letter-spacing:0.24px;display:inline;\">67 </div>\n<div class=\"t sa_96\" id=\"t1y_96\" style=\"left:643px;bottom:402px;letter-spacing:0.04px;word-spacing:0.01px;display:inline;\">Tax credit in respect of prior years </div><div class=\"t sb_96\" id=\"t1z_96\" style=\"left:1008px;bottom:402px;letter-spacing:0.24px;display:inline;\">(100) </div><div class=\"t sc_96\" id=\"t20_96\" style=\"left:1103px;bottom:402px;letter-spacing:0.16px;display:inline;\">(109) </div>\n<div class=\"t sa_96\" id=\"t21_96\" style=\"left:643px;bottom:376px;letter-spacing:0.08px;word-spacing:-0.01px;display:inline;\">Adjustment for previously non-deductible expenses </div><div class=\"t s4_96\" id=\"t22_96\" style=\"left:1024px;bottom:376px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"t23_96\" style=\"left:1116px;bottom:376px;letter-spacing:0.2px;display:inline;\">(5) </div>\n<div class=\"t sa_96\" id=\"t24_96\" style=\"left:626px;bottom:349px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Actual tax expense </div><div class=\"t s4_96\" id=\"t25_96\" style=\"left:1011px;bottom:349px;letter-spacing:0.19px;display:inline;\">493 </div><div class=\"t sc_96\" id=\"t26_96\" style=\"left:1107px;bottom:349px;letter-spacing:-0.17px;display:inline;\">745 </div>\n<div class=\"t sa_96\" id=\"t27_96\" style=\"left:626px;bottom:323px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Continuing operations </div><div class=\"t s4_96\" id=\"t28_96\" style=\"left:1011px;bottom:323px;letter-spacing:0.19px;display:inline;\">493 </div><div class=\"t sc_96\" id=\"t29_96\" style=\"left:1107px;bottom:323px;letter-spacing:-0.17px;display:inline;\">745 </div>\n<div class=\"t sa_96\" id=\"t2a_96\" style=\"left:626px;bottom:270px;letter-spacing:0.09px;word-spacing:-0.08px;display:inline;\">Current tax expense </div><div class=\"t sb_96\" id=\"t2b_96\" style=\"left:1012px;bottom:270px;letter-spacing:0.16px;display:inline;\">471 </div><div class=\"t sd_96\" id=\"t2c_96\" style=\"left:1107px;bottom:270px;letter-spacing:0.21px;display:inline;\">775 </div>\n<div class=\"t sa_96\" id=\"t2d_96\" style=\"left:626px;bottom:243px;letter-spacing:0.05px;word-spacing:-0.03px;display:inline;\">In respect of prior years </div><div class=\"t sb_96\" id=\"t2e_96\" style=\"left:1007px;bottom:243px;letter-spacing:0.24px;display:inline;\">(100) </div><div class=\"t sc_96\" id=\"t2f_96\" style=\"left:1103px;bottom:243px;letter-spacing:0.16px;display:inline;\">(109) </div>\n<div class=\"t sa_96\" id=\"t2g_96\" style=\"left:626px;bottom:217px;letter-spacing:0.08px;word-spacing:-0.17px;display:inline;\">Deferred tax </div>\n<div class=\"t sa_96\" id=\"t2h_96\" style=\"left:643px;bottom:191px;letter-spacing:0.06px;display:inline;\">Origination and reversal of temporary differences </div><div class=\"t sb_96\" id=\"t2i_96\" style=\"left:1011px;bottom:191px;letter-spacing:0.32px;display:inline;\">122 </div><div class=\"t sc_96\" id=\"t2j_96\" style=\"left:1113px;bottom:191px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sa_96\" id=\"t2k_96\" style=\"left:643px;bottom:164px;letter-spacing:0.07px;word-spacing:-0.02px;display:inline;\">Effect of tax rate changes </div><div class=\"t s4_96\" id=\"t2l_96\" style=\"left:1024px;bottom:164px;display:inline;\">\u2013 </div><div class=\"t sd_96\" id=\"t2m_96\" style=\"left:1113px;bottom:164px;letter-spacing:0.24px;display:inline;\">67 </div>\n<div class=\"t s4_96\" id=\"t2n_96\" style=\"left:626px;bottom:138px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">Total tax </div><div class=\"t s4_96\" id=\"t2o_96\" style=\"left:1011px;bottom:138px;letter-spacing:0.19px;display:inline;\">493 </div>745 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11870": {
   "value": "12 Earnings per share <div class=\"t s9_97\" id=\"td_97\" style=\"left:290px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t s9_97\" id=\"te_97\" style=\"left:477px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_97\" id=\"tf_97\" style=\"left:218px;bottom:684px;letter-spacing:-0.01px;display:inline;\">Earnings </div>\n<div class=\"t s9_97\" id=\"tg_97\" style=\"left:236px;bottom:668px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_97\" id=\"th_97\" style=\"left:282px;bottom:716px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t s9_97\" id=\"ti_97\" style=\"left:293px;bottom:700px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t s9_97\" id=\"tj_97\" style=\"left:294px;bottom:684px;letter-spacing:-0.01px;display:inline;\">number </div>\n<div class=\"t s9_97\" id=\"tk_97\" style=\"left:287px;bottom:668px;letter-spacing:-0.05px;word-spacing:0.05px;display:inline;\">of shares </div>\n<div class=\"t s9_97\" id=\"tl_97\" style=\"left:352px;bottom:700px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t s9_97\" id=\"tm_97\" style=\"left:368px;bottom:684px;letter-spacing:-0.01px;display:inline;\">per </div>\n<div class=\"t s9_97\" id=\"tn_97\" style=\"left:355px;bottom:668px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t s9_97\" id=\"to_97\" style=\"left:400px;bottom:684px;letter-spacing:-0.01px;display:inline;\">Earnings </div>\n<div class=\"t s9_97\" id=\"tp_97\" style=\"left:418px;bottom:668px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_97\" id=\"tq_97\" style=\"left:473px;bottom:716px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t s9_97\" id=\"tr_97\" style=\"left:483px;bottom:700px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t s9_97\" id=\"ts_97\" style=\"left:469px;bottom:684px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">number of </div>\n<div class=\"t s9_97\" id=\"tt_97\" style=\"left:492px;bottom:668px;letter-spacing:-0.02px;display:inline;\">shares </div>\n<div class=\"t s9_97\" id=\"tu_97\" style=\"left:543px;bottom:700px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t s9_97\" id=\"tv_97\" style=\"left:559px;bottom:684px;letter-spacing:-0.01px;display:inline;\">per </div>\n<div class=\"t s9_97\" id=\"tw_97\" style=\"left:546px;bottom:668px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t sa_97\" id=\"tx_97\" style=\"left:78px;bottom:646px;letter-spacing:0.1px;display:inline;\">Basic </div><div class=\"t sb_97\" id=\"ty_97\" style=\"left:238px;bottom:646px;letter-spacing:0.12px;display:inline;\">(7,253) </div><div class=\"t sb_97\" id=\"tz_97\" style=\"left:281px;bottom:646px;letter-spacing:0.3px;display:inline;\">31,214,765 </div><div class=\"t sb_97\" id=\"t10_97\" style=\"left:361px;bottom:646px;letter-spacing:0.19px;display:inline;\">(23.2) </div><div class=\"t sc_97\" id=\"t11_97\" style=\"left:424px;bottom:646px;letter-spacing:0.12px;display:inline;\">3,597 </div><div class=\"t sc_97\" id=\"t12_97\" style=\"left:473px;bottom:646px;letter-spacing:0.19px;display:inline;\">31,205,375 </div><div class=\"t sc_97\" id=\"t13_97\" style=\"left:556px;bottom:646px;letter-spacing:0.32px;display:inline;\">11.5 </div>\n<div class=\"t sa_97\" id=\"t14_97\" style=\"left:78px;bottom:624px;letter-spacing:0.06px;word-spacing:0.03px;display:inline;\">Dilutive effect of shares </div>\n<div class=\"t sa_97\" id=\"t15_97\" style=\"left:78px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">in Employee Share- </div>\n<div class=\"t sa_97\" id=\"t16_97\" style=\"left:78px;bottom:589px;letter-spacing:0.12px;display:inline;\">based schemes </div><div class=\"t sb_97\" id=\"t17_97\" style=\"left:255px;bottom:589px;letter-spacing:0.15px;display:inline;\">0.0 </div><div class=\"t sb_97\" id=\"t18_97\" style=\"left:298px;bottom:589px;letter-spacing:0.26px;display:inline;\">755,224 </div><div class=\"t sb_97\" id=\"t19_97\" style=\"left:372px;bottom:589px;letter-spacing:0.15px;display:inline;\">0.0 </div><div class=\"t sc_97\" id=\"t1a_97\" style=\"left:437px;bottom:589px;letter-spacing:0.01px;display:inline;\">0.0 </div><div class=\"t sc_97\" id=\"t1b_97\" style=\"left:502px;bottom:589px;letter-spacing:0.12px;display:inline;\">8,162 </div><div class=\"t sc_97\" id=\"t1c_97\" style=\"left:563px;bottom:589px;letter-spacing:0.01px;display:inline;\">0.0 </div>\n<div class=\"t sa_97\" id=\"t1d_97\" style=\"left:78px;bottom:567px;letter-spacing:0.1px;display:inline;\">Diluted </div><div class=\"t sb_97\" id=\"t1e_97\" style=\"left:238px;bottom:567px;letter-spacing:0.12px;display:inline;\">(7,253) </div><div class=\"t sb_97\" id=\"t1f_97\" style=\"left:281px;bottom:567px;letter-spacing:0.3px;display:inline;\">31,969,989 </div><div class=\"t sb_97\" id=\"t1g_97\" style=\"left:361px;bottom:567px;letter-spacing:0.19px;display:inline;\">(23.2) </div><div class=\"t sc_97\" id=\"t1h_97\" style=\"left:424px;bottom:567px;letter-spacing:0.12px;display:inline;\">3,597 </div><div class=\"t sc_97\" id=\"t1i_97\" style=\"left:473px;bottom:567px;letter-spacing:0.23px;display:inline;\">31,213,537 </div><div class=\"t sc_97\" id=\"t1j_97\" style=\"left:556px;bottom:567px;letter-spacing:0.32px;display:inline;\">11.5 </div>\n<div class=\"t sd_97\" id=\"t1k_97\" style=\"left:74px;bottom:528px;letter-spacing:-0.18px;word-spacing:-0.01px;display:inline;\">The weighted average number of shares shown above excludes unallocated own Company </div>\n<div class=\"t sd_97\" id=\"t1l_97\" style=\"left:74px;bottom:509px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">shares held by Personal Group Trustees Ltd. Excluding the goodwill impairment, the earnings </div>\nper share for 2022 were 10.9p (Diluted 10.6p).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11920": {
   "value": "13 Dividends <div class=\"t s9_97\" id=\"t1o_97\" style=\"left:289px;bottom:431px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_97\" id=\"t1p_97\" style=\"left:260px;bottom:415px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Pence per </div>\n<div class=\"t s9_97\" id=\"t1q_97\" style=\"left:286px;bottom:399px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t s9_97\" id=\"t1r_97\" style=\"left:377px;bottom:431px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_97\" id=\"t1s_97\" style=\"left:347px;bottom:415px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Pence per </div>\n<div class=\"t s9_97\" id=\"t1t_97\" style=\"left:372px;bottom:399px;letter-spacing:-0.02px;display:inline;\">share </div>\n<div class=\"t s9_97\" id=\"t1u_97\" style=\"left:462px;bottom:415px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_97\" id=\"t1v_97\" style=\"left:457px;bottom:399px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_97\" id=\"t1w_97\" style=\"left:550px;bottom:415px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_97\" id=\"t1x_97\" style=\"left:544px;bottom:399px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_97\" id=\"t1y_97\" style=\"left:78px;bottom:377px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Equity dividends </div>\n<div class=\"t sa_97\" id=\"t1z_97\" style=\"left:78px;bottom:355px;letter-spacing:0.14px;display:inline;\">Q2 </div><div class=\"t sb_97\" id=\"t20_97\" style=\"left:289px;bottom:355px;letter-spacing:0.33px;display:inline;\">5.300 </div><div class=\"t sc_97\" id=\"t21_97\" style=\"left:376px;bottom:355px;letter-spacing:0.21px;display:inline;\">5.100 </div><div class=\"t sb_97\" id=\"t22_97\" style=\"left:462px;bottom:355px;letter-spacing:0.26px;display:inline;\">1,655 </div><div class=\"t sc_97\" id=\"t23_97\" style=\"left:549px;bottom:355px;letter-spacing:0.23px;display:inline;\">1,591 </div>\n<div class=\"t sa_97\" id=\"t24_97\" style=\"left:78px;bottom:333px;letter-spacing:0.14px;display:inline;\">Q4 </div><div class=\"t sb_97\" id=\"t25_97\" style=\"left:289px;bottom:333px;letter-spacing:0.33px;display:inline;\">5.300 </div><div class=\"t sc_97\" id=\"t26_97\" style=\"left:376px;bottom:333px;letter-spacing:0.28px;display:inline;\">5.300 </div><div class=\"t sb_97\" id=\"t27_97\" style=\"left:462px;bottom:333px;letter-spacing:0.27px;display:inline;\">1,657 </div><div class=\"t sc_97\" id=\"t28_97\" style=\"left:549px;bottom:333px;letter-spacing:0.24px;display:inline;\">1,654 </div>\n<div class=\"t sb_97\" id=\"t29_97\" style=\"left:282px;bottom:311px;letter-spacing:0.29px;display:inline;\">10.600 </div><div class=\"t sc_97\" id=\"t2a_97\" style=\"left:369px;bottom:311px;letter-spacing:0.27px;display:inline;\">10.400 </div><div class=\"t sb_97\" id=\"t2b_97\" style=\"left:462px;bottom:311px;letter-spacing:0.28px;display:inline;\">3,312 </div><div class=\"t sc_97\" id=\"t2c_97\" style=\"left:550px;bottom:311px;letter-spacing:0.12px;display:inline;\">3,245 </div>\n<div class=\"t sa_97\" id=\"t2d_97\" style=\"left:78px;bottom:289px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Less: amounts paid on own </div>\n<div class=\"t sa_97\" id=\"t2e_97\" style=\"left:78px;bottom:271px;letter-spacing:0.08px;display:inline;\">shares </div><div class=\"t sb_97\" id=\"t2f_97\" style=\"left:482px;bottom:271px;letter-spacing:0.04px;display:inline;\">(2) </div><div class=\"t sc_97\" id=\"t2g_97\" style=\"left:569px;bottom:271px;letter-spacing:0.05px;display:inline;\">(1) </div>\n<div class=\"t s4_97\" id=\"t2h_97\" style=\"left:78px;bottom:249px;letter-spacing:0.04px;word-spacing:0.07px;display:inline;\">Total dividends </div><div class=\"t sb_97\" id=\"t2i_97\" style=\"left:282px;bottom:249px;letter-spacing:0.29px;display:inline;\">10.600 </div><div class=\"t sc_97\" id=\"t2j_97\" style=\"left:369px;bottom:249px;letter-spacing:0.27px;display:inline;\">10.400 </div><div class=\"t sb_97\" id=\"t2k_97\" style=\"left:462px;bottom:249px;letter-spacing:0.28px;display:inline;\">3,310 </div><div class=\"t sc_97\" id=\"t2l_97\" style=\"left:549px;bottom:249px;letter-spacing:0.23px;display:inline;\">3,244 </div>\n<div class=\"t sd_97\" id=\"t2m_97\" style=\"left:74px;bottom:210px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">The dividends listed above were paid in the calendar year. Dividends of 10.6p per share </div>\n<div class=\"t sd_97\" id=\"t2n_97\" style=\"left:74px;bottom:192px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">were paid relating to the 2021 financial period and an interim payment of 5.3p has been </div>\npaid relating to the 2022 financial period.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11961": {
   "value": "14 Goodwill <div class=\"t sd_97\" id=\"t2q_97\" style=\"left:621px;bottom:743px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">The carrying amount of goodwill which has been allocated to those cash-generating </div>\n<div class=\"t sd_97\" id=\"t2r_97\" style=\"left:621px;bottom:725px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">units can be analysed as follows: </div>\n<div class=\"t s9_97\" id=\"t2s_97\" style=\"left:819px;bottom:689px;letter-spacing:-0.01px;display:inline;\">PG Let\u2019s </div>\n<div class=\"t s9_97\" id=\"t2t_97\" style=\"left:817px;bottom:673px;letter-spacing:-0.03px;display:inline;\">Connect </div>\n<div class=\"t s9_97\" id=\"t2u_97\" style=\"left:827px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2v_97\" style=\"left:908px;bottom:673px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t s9_97\" id=\"t2w_97\" style=\"left:913px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2x_97\" style=\"left:1015px;bottom:673px;letter-spacing:-0.08px;display:inline;\">QCG </div>\n<div class=\"t s9_97\" id=\"t2y_97\" style=\"left:1000px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2z_97\" style=\"left:1097px;bottom:673px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_97\" id=\"t30_97\" style=\"left:1086px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sa_97\" id=\"t31_97\" style=\"left:626px;bottom:636px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_97\" id=\"t32_97\" style=\"left:626px;bottom:613px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sb_97\" id=\"t33_97\" style=\"left:832px;bottom:613px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t sb_97\" id=\"t34_97\" style=\"left:924px;bottom:613px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t s4_97\" id=\"t35_97\" style=\"left:1033px;bottom:613px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t36_97\" style=\"left:1091px;bottom:613px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t37_97\" style=\"left:626px;bottom:591px;letter-spacing:0.06px;word-spacing:-0.07px;display:inline;\">Additions in the year (note 32) </div><div class=\"t s4_97\" id=\"t38_97\" style=\"left:860px;bottom:591px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t39_97\" style=\"left:947px;bottom:591px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t3a_97\" style=\"left:1021px;bottom:591px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t3b_97\" style=\"left:1107px;bottom:591px;letter-spacing:0.23px;display:inline;\">563 </div>\n<div class=\"t sa_97\" id=\"t3c_97\" style=\"left:626px;bottom:569px;letter-spacing:0.11px;display:inline;\">Disposal </div><div class=\"t s4_97\" id=\"t3d_97\" style=\"left:860px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3e_97\" style=\"left:947px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3f_97\" style=\"left:1033px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3g_97\" style=\"left:1120px;bottom:569px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t3h_97\" style=\"left:626px;bottom:547px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sb_97\" id=\"t3i_97\" style=\"left:832px;bottom:547px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t sb_97\" id=\"t3j_97\" style=\"left:924px;bottom:547px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t sb_97\" id=\"t3k_97\" style=\"left:1021px;bottom:547px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t3l_97\" style=\"left:1091px;bottom:547px;letter-spacing:0.26px;display:inline;\">13,259 </div>\n<div class=\"t sa_97\" id=\"t3m_97\" style=\"left:626px;bottom:525px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Impairment charged </div>\n<div class=\"t sa_97\" id=\"t3n_97\" style=\"left:626px;bottom:503px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t s4_97\" id=\"t3o_97\" style=\"left:860px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3p_97\" style=\"left:947px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3q_97\" style=\"left:1033px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3r_97\" style=\"left:1120px;bottom:503px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t3s_97\" style=\"left:626px;bottom:480px;letter-spacing:0.07px;word-spacing:-0.12px;display:inline;\">Impairment charge for year </div><div class=\"t sb_97\" id=\"t3t_97\" style=\"left:832px;bottom:480px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t s4_97\" id=\"t3u_97\" style=\"left:947px;bottom:480px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3v_97\" style=\"left:1033px;bottom:480px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t3w_97\" style=\"left:1091px;bottom:480px;letter-spacing:0.17px;display:inline;\">10,575 </div>\n<div class=\"t sa_97\" id=\"t3x_97\" style=\"left:626px;bottom:458px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t s4_97\" id=\"t3y_97\" style=\"left:860px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3z_97\" style=\"left:947px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t40_97\" style=\"left:1033px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t41_97\" style=\"left:1120px;bottom:458px;display:inline;\">\u2013 </div>\n<div class=\"t s4_97\" id=\"t42_97\" style=\"left:626px;bottom:436px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Net book value at </div>\n<div class=\"t s4_97\" id=\"t43_97\" style=\"left:626px;bottom:419px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">31 December 2022 </div><div class=\"t s4_97\" id=\"t44_97\" style=\"left:860px;bottom:419px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t45_97\" style=\"left:924px;bottom:419px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t sb_97\" id=\"t46_97\" style=\"left:1021px;bottom:419px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t47_97\" style=\"left:1097px;bottom:419px;letter-spacing:0.32px;display:inline;\">2,684 </div>\n<div class=\"t s9_97\" id=\"t48_97\" style=\"left:818px;bottom:375px;letter-spacing:-0.01px;display:inline;\">PG Let\u2019s </div>\n<div class=\"t s9_97\" id=\"t49_97\" style=\"left:817px;bottom:359px;letter-spacing:-0.03px;display:inline;\">Connect </div>\n<div class=\"t s9_97\" id=\"t4a_97\" style=\"left:826px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4b_97\" style=\"left:907px;bottom:359px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t s9_97\" id=\"t4c_97\" style=\"left:913px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4d_97\" style=\"left:1014px;bottom:359px;letter-spacing:-0.08px;display:inline;\">QCG </div>\n<div class=\"t s9_97\" id=\"t4e_97\" style=\"left:999px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4f_97\" style=\"left:1096px;bottom:359px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_97\" id=\"t4g_97\" style=\"left:1086px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sa_97\" id=\"t4h_97\" style=\"left:626px;bottom:321px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_97\" id=\"t4i_97\" style=\"left:626px;bottom:299px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sc_97\" id=\"t4j_97\" style=\"left:831px;bottom:299px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t4k_97\" style=\"left:924px;bottom:299px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t4l_97\" style=\"left:1033px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t4m_97\" style=\"left:1091px;bottom:299px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t4n_97\" style=\"left:626px;bottom:277px;letter-spacing:0.08px;word-spacing:-0.15px;display:inline;\">Additions in the year </div><div class=\"t se_97\" id=\"t4o_97\" style=\"left:859px;bottom:277px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4p_97\" style=\"left:1033px;bottom:277px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4q_97\" style=\"left:1119px;bottom:277px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t4r_97\" style=\"left:626px;bottom:255px;letter-spacing:0.11px;display:inline;\">Disposal </div><div class=\"t se_97\" id=\"t4s_97\" style=\"left:859px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4t_97\" style=\"left:946px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4u_97\" style=\"left:1033px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4v_97\" style=\"left:1119px;bottom:255px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t4w_97\" style=\"left:626px;bottom:232px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sc_97\" id=\"t4x_97\" style=\"left:831px;bottom:232px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t4y_97\" style=\"left:924px;bottom:232px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t4z_97\" style=\"left:1033px;bottom:232px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t50_97\" style=\"left:1091px;bottom:232px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t51_97\" style=\"left:626px;bottom:210px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Impairment charged </div>\n<div class=\"t sa_97\" id=\"t52_97\" style=\"left:626px;bottom:188px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t se_97\" id=\"t53_97\" style=\"left:860px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t54_97\" style=\"left:946px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t55_97\" style=\"left:1033px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t56_97\" style=\"left:1119px;bottom:188px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t57_97\" style=\"left:626px;bottom:166px;letter-spacing:0.07px;word-spacing:-0.12px;display:inline;\">Impairment charge for year </div><div class=\"t se_97\" id=\"t58_97\" style=\"left:860px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t59_97\" style=\"left:946px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5a_97\" style=\"left:1033px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5b_97\" style=\"left:1119px;bottom:166px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t5c_97\" style=\"left:626px;bottom:144px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t se_97\" id=\"t5d_97\" style=\"left:860px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5e_97\" style=\"left:946px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5f_97\" style=\"left:1033px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5g_97\" style=\"left:1119px;bottom:144px;display:inline;\">\u2013 </div>\n<div class=\"t s4_97\" id=\"t5h_97\" style=\"left:626px;bottom:122px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Net book value at </div>\n<div class=\"t s4_97\" id=\"t5i_97\" style=\"left:626px;bottom:104px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">31 December 2021 </div><div class=\"t sc_97\" id=\"t5j_97\" style=\"left:831px;bottom:104px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t5k_97\" style=\"left:924px;bottom:104px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t5l_97\" style=\"left:1033px;bottom:104px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t5m_97\" style=\"left:1091px;bottom:104px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sd_97\" id=\"t5n_97\" style=\"left:621px;bottom:65px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">The net carrying values at 31 December 2022 have been reviewed for impairment. </div><div></div><div class=\"t s1_98\" id=\"t1_98\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_98\" id=\"t2_98\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_98\" id=\"t3_98\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_98\" id=\"t4_98\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_98\" id=\"t5_98\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_98\" id=\"t6_98\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_98\" id=\"t7_98\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_98\" id=\"t8_98\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_98\" id=\"t9_98\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n<div class=\"t sa_98\" id=\"te_98\" style=\"left:74px;bottom:745px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">PG Let\u2019s Connect </div>\n<div class=\"t sb_98\" id=\"tf_98\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">The first cash generating unit (CGU) considered was the PG Let\u2019s Connect business as a </div>\n<div class=\"t sb_98\" id=\"tg_98\" style=\"left:74px;bottom:704px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">whole and its recoverable amount was based on value in use, determined by discounting </div>\n<div class=\"t sb_98\" id=\"th_98\" style=\"left:74px;bottom:686px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">the future cash flows to be generated from continued trading of PG Let\u2019s Connect. </div>\n<div class=\"t sb_98\" id=\"ti_98\" style=\"left:74px;bottom:654px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">As a result in the change of the operational landscape at a key customer, PG Let's </div>\n<div class=\"t sb_98\" id=\"tj_98\" style=\"left:74px;bottom:636px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Connect has lost access to a significant portion of its customer base from previous </div>\n<div class=\"t sb_98\" id=\"tk_98\" style=\"left:74px;bottom:618px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">years. This, combined with the ongoing impacts of COVID-19 on stock availability and </div>\n<div class=\"t sb_98\" id=\"tl_98\" style=\"left:74px;bottom:599px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">profit margins, has resulted in the revenue and profitability outlooks of the business </div>\n<div class=\"t sb_98\" id=\"tm_98\" style=\"left:74px;bottom:581px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">being lessened at the end of December 2022. </div>\n<div class=\"t sb_98\" id=\"tn_98\" style=\"left:74px;bottom:550px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">The value in use of the CGU was found to no longer support the recognition of any </div>\n<div class=\"t sb_98\" id=\"to_98\" style=\"left:74px;bottom:531px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">goodwill. As such, an impairment of \u00a310,575,000 was recorded in the year. </div>\n<div class=\"t sb_98\" id=\"tp_98\" style=\"left:74px;bottom:500px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the purpose of the value in use model, the CGU value is comprised of the Goodwill </div>\n<div class=\"t sb_98\" id=\"tq_98\" style=\"left:74px;bottom:482px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">allocated, the carrying value of the intangible asset recognised on acquisition and the </div>\n<div class=\"t sb_98\" id=\"tr_98\" style=\"left:74px;bottom:463px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">assets of the CGU such that the carrying amount of the CGU has been determined on </div>\n<div class=\"t sb_98\" id=\"ts_98\" style=\"left:74px;bottom:445px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">a basis consistent with the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_98\" id=\"tt_98\" style=\"left:74px;bottom:414px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model. </div>\n<div class=\"t sb_98\" id=\"tu_98\" style=\"left:74px;bottom:382px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">In line with previous years, an expected cash flow approach, based on various different </div>\n<div class=\"t sb_98\" id=\"tv_98\" style=\"left:74px;bottom:364px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">scenarios, was used, as management believe this method to most appropriately </div>\n<div class=\"t sb_98\" id=\"tw_98\" style=\"left:74px;bottom:346px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">address the fact that the timing and scale of Let\u2019s Connect\u2019s future growth currently </div>\n<div class=\"t sb_98\" id=\"tx_98\" style=\"left:74px;bottom:327px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">remains uncertain. Each of the scenarios was given a probability expectation, based </div>\n<div class=\"t sb_98\" id=\"ty_98\" style=\"left:74px;bottom:309px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">on management\u2019s best view and historic performance, and the weighted average net </div>\n<div class=\"t sb_98\" id=\"tz_98\" style=\"left:74px;bottom:291px;letter-spacing:-0.16px;word-spacing:-0.12px;display:inline;\">present value (NPV) derived from these calculations was then determined as the value in </div>\n<div class=\"t sb_98\" id=\"t10_98\" style=\"left:74px;bottom:272px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">use. Budgeted EBITDA was based on expectations of future outcomes considering past </div>\n<div class=\"t sb_98\" id=\"t11_98\" style=\"left:74px;bottom:254px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">experience as well as existing contracts in place. </div>\n<div class=\"t sa_98\" id=\"t12_98\" style=\"left:74px;bottom:224px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_98\" id=\"t13_98\" style=\"left:74px;bottom:202px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Given that NPV is sensitive to several key assumptions which have been used, </div>\n<div class=\"t sb_98\" id=\"t14_98\" style=\"left:74px;bottom:183px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">the following have been highlighted as being the most sensitive. </div>\n<div class=\"t sa_98\" id=\"t15_98\" style=\"left:621px;bottom:767px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Discount rate </div>\n<div class=\"t sb_98\" id=\"t16_98\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The long-term growth rate into perpetuity was determined as 2.5% (30-year average </div>\n<div class=\"t sb_98\" id=\"t17_98\" style=\"left:621px;bottom:726px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of UK\u00a0consumer price index). To reflect the increased uncertainty of the business </div>\n<div class=\"t sb_98\" id=\"t18_98\" style=\"left:621px;bottom:708px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">operations, the cash flows were then discounted using a post-tax discount rate of 18% </div>\n<div class=\"t sb_98\" id=\"t19_98\" style=\"left:621px;bottom:690px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">(2021: 13%) based on PG Let\u2019s Connect weighted average cost of capital, using the capital </div>\n<div class=\"t sb_98\" id=\"t1a_98\" style=\"left:621px;bottom:671px;letter-spacing:-0.01px;display:inline;\">asset pricing model. </div>\n<div class=\"t sa_98\" id=\"t1b_98\" style=\"left:621px;bottom:641px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Cash flow revenue projections </div>\n<div class=\"t sb_98\" id=\"t1c_98\" style=\"left:621px;bottom:619px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">Management applied an expected cash flow approach to the value in use model for </div>\n<div class=\"t sb_98\" id=\"t1d_98\" style=\"left:621px;bottom:600px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">revenue forecasting, using the weighted average of a number of scenarios to determine </div>\n<div class=\"t sb_98\" id=\"t1e_98\" style=\"left:621px;bottom:582px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the expected future revenues of Let\u2019s Connect. The scenarios used, and the probabilities </div>\n<div class=\"t sb_98\" id=\"t1f_98\" style=\"left:621px;bottom:564px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">applied, take into account the current market conditions, including global supply chain </div>\n<div class=\"t sb_98\" id=\"t1g_98\" style=\"left:621px;bottom:545px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">interruptions, and represent the possible future outcomes and management\u2019s best </div>\n<div class=\"t sb_98\" id=\"t1h_98\" style=\"left:621px;bottom:527px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">estimate as to their likelihood. </div>\n<div class=\"t sa_98\" id=\"t1i_98\" style=\"left:621px;bottom:497px;word-spacing:-0.12px;display:inline;\">Gross profit margin </div>\n<div class=\"t sb_98\" id=\"t1j_98\" style=\"left:621px;bottom:475px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Management applied an expected gross margin of 15% on its future revenue projections, </div>\n<div class=\"t sb_98\" id=\"t1k_98\" style=\"left:621px;bottom:456px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">a slight increase on actual results for the year ended 31 December 2022 (14%). This is due </div>\n<div class=\"t sb_98\" id=\"t1l_98\" style=\"left:621px;bottom:438px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">to the fact that the customer mix in future periods, as a result of the lost key customer, </div>\n<div class=\"t sb_98\" id=\"t1m_98\" style=\"left:621px;bottom:420px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">is expected to result in a higher margin. </div>\n<div class=\"t sb_98\" id=\"t1n_98\" style=\"left:621px;bottom:388px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of </div>\n<div class=\"t sb_98\" id=\"t1o_98\" style=\"left:621px;bottom:370px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">changes in various key assumptions (in base percentage point terms) have on the value </div>\n<div class=\"t sb_98\" id=\"t1p_98\" style=\"left:621px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.12px;display:inline;\">of the impairment. The Base column refers to the value of the impairment following the </div>\n<div class=\"t sb_98\" id=\"t1q_98\" style=\"left:621px;bottom:333px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">review completed by management. </div>\n<div class=\"t sc_98\" id=\"t1r_98\" style=\"left:626px;bottom:282px;letter-spacing:-0.15px;word-spacing:-0.06px;display:inline;\">Sensitivity Analysis \u2013 Impact on impairment </div>\n<div class=\"t sc_98\" id=\"t1s_98\" style=\"left:960px;bottom:298px;letter-spacing:-0.01px;word-spacing:-0.13px;display:inline;\">- % </div>\n<div class=\"t sc_98\" id=\"t1t_98\" style=\"left:939px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_98\" id=\"t1u_98\" style=\"left:1030px;bottom:298px;letter-spacing:-0.14px;display:inline;\">Base </div>\n<div class=\"t sc_98\" id=\"t1v_98\" style=\"left:1017px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_98\" id=\"t1w_98\" style=\"left:1115px;bottom:298px;letter-spacing:-0.01px;word-spacing:-0.13px;display:inline;\">+ % </div>\n<div class=\"t sc_98\" id=\"t1x_98\" style=\"left:1095px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_98\" id=\"t1y_98\" style=\"left:626px;bottom:260px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_98\" id=\"t1z_98\" style=\"left:707px;bottom:260px;letter-spacing:0.09px;display:inline;\">( +/- 2%) </div><div class=\"t se_98\" id=\"t20_98\" style=\"left:934px;bottom:260px;letter-spacing:0.29px;display:inline;\">10,548 </div><div class=\"t se_98\" id=\"t21_98\" style=\"left:1013px;bottom:260px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t22_98\" style=\"left:1091px;bottom:260px;letter-spacing:0.15px;display:inline;\">10,575 </div>\n<div class=\"t s4_98\" id=\"t23_98\" style=\"left:626px;bottom:238px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Gross Income </div><div class=\"t sd_98\" id=\"t24_98\" style=\"left:703px;bottom:238px;letter-spacing:0.09px;display:inline;\">( +/- 5%) </div><div class=\"t se_98\" id=\"t25_98\" style=\"left:935px;bottom:238px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t26_98\" style=\"left:1013px;bottom:238px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t27_98\" style=\"left:1091px;bottom:238px;letter-spacing:0.07px;display:inline;\">10,071 </div>\n<div class=\"t s4_98\" id=\"t28_98\" style=\"left:626px;bottom:215px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Gross Profit Margin </div><div class=\"t sd_98\" id=\"t29_98\" style=\"left:737px;bottom:215px;letter-spacing:0.09px;display:inline;\">( +/- 2%) </div><div class=\"t se_98\" id=\"t2a_98\" style=\"left:935px;bottom:215px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t2b_98\" style=\"left:1013px;bottom:215px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t2c_98\" style=\"left:1090px;bottom:215px;letter-spacing:0.28px;display:inline;\">10,484 </div><div></div><div class=\"t s1_99\" id=\"t1_99\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_99\" id=\"t2_99\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_99\" id=\"t3_99\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_99\" id=\"t4_99\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_99\" id=\"t5_99\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_99\" id=\"t6_99\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_99\" id=\"t7_99\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_99\" id=\"t8_99\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_99\" id=\"t9_99\" style=\"left:1106px;bottom:878px;letter-spacing:-0.65px;display:inline;\"></div>\n\n\n<div class=\"t sa_99\" id=\"te_99\" style=\"left:74px;bottom:745px;letter-spacing:0.02px;display:inline;\">Innecto </div>\n<div class=\"t sb_99\" id=\"tf_99\" style=\"left:74px;bottom:722px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">The second cash generating unit (CGU) considered was the Innecto business as a whole. </div>\n<div class=\"t sb_99\" id=\"tg_99\" style=\"left:74px;bottom:704px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the purpose of the value in use model, the CGU value is comprised of the goodwill </div>\n<div class=\"t sb_99\" id=\"th_99\" style=\"left:74px;bottom:686px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">allocated, the carrying value of the intangible assets recognised on acquisition and the </div>\n<div class=\"t sb_99\" id=\"ti_99\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">assets of the CGU such that the carrying amount of the CGU has been determined on a </div>\n<div class=\"t sb_99\" id=\"tj_99\" style=\"left:74px;bottom:647px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">basis consistent with the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_99\" id=\"tk_99\" style=\"left:74px;bottom:616px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">An expected cash flow approach, similar to that applied to PG Let\u2019s Connect, was used </div>\n<div class=\"t sb_99\" id=\"tl_99\" style=\"left:74px;bottom:598px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">applying multiple scenarios and affixed probabilities that were deemed to be appropriate </div>\n<div class=\"t sb_99\" id=\"tm_99\" style=\"left:74px;bottom:579px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">under management\u2019s best understanding of the business. </div>\n<div class=\"t sa_99\" id=\"tn_99\" style=\"left:74px;bottom:549px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_99\" id=\"to_99\" style=\"left:74px;bottom:527px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model </div>\n<div class=\"t sb_99\" id=\"tp_99\" style=\"left:74px;bottom:509px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">including a long-term growth rate of 2.3% (30-year average of UK consumer price index). </div>\n<div class=\"t sb_99\" id=\"tq_99\" style=\"left:74px;bottom:490px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These cash flows were then discounted using a risk mitigating post-tax discount rate </div>\n<div class=\"t sb_99\" id=\"tr_99\" style=\"left:74px;bottom:472px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">of 22.4% (2021: 22.4%) based on Innecto\u2019s weighted average cost of capital, using the </div>\n<div class=\"t sb_99\" id=\"ts_99\" style=\"left:74px;bottom:454px;letter-spacing:-0.02px;word-spacing:-0.08px;display:inline;\">capital asset pricing model with a risk premium in line with the risks associated with the </div>\n<div class=\"t sb_99\" id=\"tt_99\" style=\"left:74px;bottom:435px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">uncertainties around the forecasted growth. </div>\n<div class=\"t sa_99\" id=\"tu_99\" style=\"left:74px;bottom:405px;letter-spacing:0.04px;display:inline;\">Sensitivity </div>\n<div class=\"t sb_99\" id=\"tv_99\" style=\"left:74px;bottom:383px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">While management are confident that Innecto will generate forecasted income, it is </div>\n<div class=\"t sb_99\" id=\"tw_99\" style=\"left:74px;bottom:365px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">recognised that there is an inherent uncertainty within the forecasted cash flows used </div>\n<div class=\"t sb_99\" id=\"tx_99\" style=\"left:74px;bottom:346px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">in the impairment model due to the expected growth. </div>\n<div class=\"t sb_99\" id=\"ty_99\" style=\"left:74px;bottom:315px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of various </div>\n<div class=\"t sb_99\" id=\"tz_99\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">changes (in base percentage point terms) on the headroom. The Base column refers to </div>\n<div class=\"t sb_99\" id=\"t10_99\" style=\"left:74px;bottom:278px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the headroom on the impairment review model completed by management. </div>\n<div class=\"t sc_99\" id=\"t11_99\" style=\"left:78px;bottom:242px;letter-spacing:-0.04px;word-spacing:-0.32px;display:inline;\">Sensitivity Analysis </div>\n<div class=\"t sc_99\" id=\"t12_99\" style=\"left:78px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u2013 Impact on headroom </div>\n<div class=\"t sc_99\" id=\"t13_99\" style=\"left:386px;bottom:242px;letter-spacing:-0.01px;display:inline;\">- % </div>\n<div class=\"t sc_99\" id=\"t14_99\" style=\"left:365px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t15_99\" style=\"left:464px;bottom:242px;letter-spacing:-0.01px;display:inline;\">Base </div>\n<div class=\"t sc_99\" id=\"t16_99\" style=\"left:451px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t17_99\" style=\"left:559px;bottom:242px;letter-spacing:-0.01px;display:inline;\">+ % </div>\n<div class=\"t sc_99\" id=\"t18_99\" style=\"left:538px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_99\" id=\"t19_99\" style=\"left:78px;bottom:205px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_99\" id=\"t1a_99\" style=\"left:159px;bottom:205px;letter-spacing:0.09px;display:inline;\">(+/- 2.5%) </div><div class=\"t se_99\" id=\"t1b_99\" style=\"left:376px;bottom:205px;letter-spacing:0.21px;display:inline;\">2,091 </div><div class=\"t se_99\" id=\"t1c_99\" style=\"left:463px;bottom:205px;letter-spacing:0.24px;display:inline;\">1,438 </div><div class=\"t se_99\" id=\"t1d_99\" style=\"left:559px;bottom:205px;letter-spacing:0.03px;display:inline;\">937 </div>\n<div class=\"t s4_99\" id=\"t1e_99\" style=\"left:78px;bottom:182px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Terminal Growth Rate </div><div class=\"t sd_99\" id=\"t1f_99\" style=\"left:203px;bottom:182px;letter-spacing:0.09px;display:inline;\">(+/- 1%) </div><div class=\"t se_99\" id=\"t1g_99\" style=\"left:376px;bottom:182px;letter-spacing:0.28px;display:inline;\">1,301 </div><div class=\"t se_99\" id=\"t1h_99\" style=\"left:463px;bottom:182px;letter-spacing:0.24px;display:inline;\">1,438 </div><div class=\"t se_99\" id=\"t1i_99\" style=\"left:549px;bottom:182px;letter-spacing:0.29px;display:inline;\">1,577 </div>\n<div class=\"t sa_99\" id=\"t1j_99\" style=\"left:621px;bottom:767px;letter-spacing:-0.14px;display:inline;\">QCG </div>\n<div class=\"t sb_99\" id=\"t1k_99\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">The third cash generating unit (CGU) considered was for QCG. For the purpose of the </div>\n<div class=\"t sb_99\" id=\"t1l_99\" style=\"left:621px;bottom:726px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">value in use model, the CGU value is comprised of the goodwill allocated, the carrying </div>\n<div class=\"t sb_99\" id=\"t1m_99\" style=\"left:621px;bottom:708px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">value of the intangible assets recognised on acquisition and the assets of the CGU such </div>\n<div class=\"t sb_99\" id=\"t1n_99\" style=\"left:621px;bottom:690px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">that the carrying amount of the CGU has been determined on a basis consistent with </div>\n<div class=\"t sb_99\" id=\"t1o_99\" style=\"left:621px;bottom:671px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_99\" id=\"t1p_99\" style=\"left:621px;bottom:640px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">An expected cash flow approach was used applying multiple scenarios and affixed </div>\n<div class=\"t sb_99\" id=\"t1q_99\" style=\"left:621px;bottom:622px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">probabilities that were deemed to be appropriate under management\u2019s best </div>\n<div class=\"t sb_99\" id=\"t1r_99\" style=\"left:621px;bottom:603px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">understanding of the business. </div>\n<div class=\"t sa_99\" id=\"t1s_99\" style=\"left:621px;bottom:573px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_99\" id=\"t1t_99\" style=\"left:621px;bottom:551px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model </div>\n<div class=\"t sb_99\" id=\"t1u_99\" style=\"left:621px;bottom:532px;letter-spacing:-0.18px;word-spacing:0.04px;display:inline;\">including a long-term growth rate of 2.3% (30-year average of UK consumer price index). </div>\n<div class=\"t sb_99\" id=\"t1v_99\" style=\"left:621px;bottom:514px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These cash flows were then discounted using a risk mitigating post-tax discount rate of </div>\n<div class=\"t sb_99\" id=\"t1w_99\" style=\"left:621px;bottom:496px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">24.8% based on QCG\u2019s weighted average cost of capital, using the capital asset pricing </div>\n<div class=\"t sb_99\" id=\"t1x_99\" style=\"left:621px;bottom:477px;letter-spacing:-0.15px;word-spacing:-0.08px;display:inline;\">model with a risk premium in line with the risks associated with the uncertainties around </div>\n<div class=\"t sb_99\" id=\"t1y_99\" style=\"left:621px;bottom:459px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">the forecasted growth. </div>\n<div class=\"t sa_99\" id=\"t1z_99\" style=\"left:621px;bottom:429px;letter-spacing:0.04px;display:inline;\">Sensitivity </div>\n<div class=\"t sb_99\" id=\"t20_99\" style=\"left:621px;bottom:407px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">While management are confident that QCG will generate forecasted income, it is </div>\n<div class=\"t sb_99\" id=\"t21_99\" style=\"left:621px;bottom:388px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">recognised that there is an inherent uncertainty within the forecasted cash flows used </div>\n<div class=\"t sb_99\" id=\"t22_99\" style=\"left:621px;bottom:370px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">in the impairment model due to the expected growth. </div>\n<div class=\"t sb_99\" id=\"t23_99\" style=\"left:621px;bottom:339px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of various </div>\n<div class=\"t sb_99\" id=\"t24_99\" style=\"left:621px;bottom:320px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">changes (in base percentage point terms) on the headroom. The Base column refers to </div>\n<div class=\"t sb_99\" id=\"t25_99\" style=\"left:621px;bottom:302px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the headroom on the impairment review model completed by management. </div>\n<div class=\"t sc_99\" id=\"t26_99\" style=\"left:626px;bottom:266px;letter-spacing:-0.04px;word-spacing:-0.32px;display:inline;\">Sensitivity Analysis </div>\n<div class=\"t sc_99\" id=\"t27_99\" style=\"left:626px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u2013 Impact on headroom </div>\n<div class=\"t sc_99\" id=\"t28_99\" style=\"left:932px;bottom:266px;letter-spacing:-0.01px;display:inline;\">- % </div>\n<div class=\"t sc_99\" id=\"t29_99\" style=\"left:910px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t2a_99\" style=\"left:1010px;bottom:266px;letter-spacing:-0.01px;display:inline;\">Base </div>\n<div class=\"t sc_99\" id=\"t2b_99\" style=\"left:997px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t2c_99\" style=\"left:1105px;bottom:266px;letter-spacing:-0.01px;display:inline;\">+ % </div>\n<div class=\"t sc_99\" id=\"t2d_99\" style=\"left:1084px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_99\" id=\"t2e_99\" style=\"left:626px;bottom:226px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_99\" id=\"t2f_99\" style=\"left:707px;bottom:226px;letter-spacing:0.1px;display:inline;\">(+/- 3%) </div><div class=\"t se_99\" id=\"t2g_99\" style=\"left:931px;bottom:226px;letter-spacing:0.36px;display:inline;\">382 </div><div class=\"t se_99\" id=\"t2h_99\" style=\"left:1018px;bottom:226px;letter-spacing:0.03px;display:inline;\">141 </div><div class=\"t se_99\" id=\"t2i_99\" style=\"left:1114px;bottom:226px;letter-spacing:0.05px;display:inline;\">(1) </div>\n<div class=\"t s4_99\" id=\"t2j_99\" style=\"left:626px;bottom:202px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Terminal Growth Rate </div><div class=\"t sd_99\" id=\"t2k_99\" style=\"left:751px;bottom:202px;letter-spacing:0.09px;display:inline;\">(+/- 1%) </div><div class=\"t se_99\" id=\"t2l_99\" style=\"left:931px;bottom:202px;letter-spacing:0.32px;display:inline;\">109 </div><div class=\"t se_99\" id=\"t2m_99\" style=\"left:1018px;bottom:202px;letter-spacing:0.03px;display:inline;\">141 </div><div class=\"t se_99\" id=\"t2n_99\" style=\"left:1105px;bottom:202px;letter-spacing:-0.26px;display:inline;\">174 </div>\n<div class=\"t sb_99\" id=\"t2o_99\" style=\"left:621px;bottom:163px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Management believe that there is no cause for an impairment in either QCG or Innecto. </div>\n<div class=\"t sb_99\" id=\"t2p_99\" style=\"left:621px;bottom:145px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">In addition to the future benefits built into each CGU, there are benefits of each to </div>\n<div class=\"t sb_99\" id=\"t2q_99\" style=\"left:621px;bottom:126px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the wider Group as a result of improved market penetration, marketing expertise and </div>\n<div class=\"t sb_99\" id=\"t2r_99\" style=\"left:621px;bottom:108px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">additional cross-selling opportunities made available. </div><div></div><div class=\"t s1_100\" id=\"t1_100\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_100\" id=\"t2_100\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_100\" id=\"t3_100\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_100\" id=\"t4_100\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_100\" id=\"t5_100\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_100\" id=\"t6_100\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_100\" id=\"t7_100\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_100\" id=\"t8_100\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_100\" id=\"t9_100\" style=\"left:1102px;bottom:878px;letter-spacing:-0.29px;display:inline;\"> </div>\n\n<div class=\"t s8_100\" id=\"tc_100\" style=\"left:74px;bottom:765px;letter-spacing:0.22px;word-spacing:2.16px;display:inline;\">15 Intangible assets </div>\n<div class=\"t s9_100\" id=\"td_100\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_100\" id=\"te_100\" style=\"left:496px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sa_100\" id=\"tf_100\" style=\"left:522px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sa_100\" id=\"tg_100\" style=\"left:520px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"th_100\" style=\"left:569px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sa_100\" id=\"ti_100\" style=\"left:593px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sa_100\" id=\"tj_100\" style=\"left:592px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sa_100\" id=\"tk_100\" style=\"left:582px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sa_100\" id=\"tl_100\" style=\"left:615px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tm_100\" style=\"left:699px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sa_100\" id=\"tn_100\" style=\"left:677px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sa_100\" id=\"to_100\" style=\"left:711px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tp_100\" style=\"left:781px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_100\" id=\"tq_100\" style=\"left:761px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sa_100\" id=\"tr_100\" style=\"left:761px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sa_100\" id=\"ts_100\" style=\"left:806px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tt_100\" style=\"left:877px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sa_100\" id=\"tu_100\" style=\"left:874px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sa_100\" id=\"tv_100\" style=\"left:877px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sa_100\" id=\"tw_100\" style=\"left:881px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sa_100\" id=\"tx_100\" style=\"left:901px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"ty_100\" style=\"left:1007px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sa_100\" id=\"tz_100\" style=\"left:996px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"t10_100\" style=\"left:1096px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_100\" id=\"t11_100\" style=\"left:1092px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_100\" id=\"t12_100\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_100\" id=\"t13_100\" style=\"left:78px;bottom:600px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t14_100\" style=\"left:525px;bottom:600px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t15_100\" style=\"left:630px;bottom:600px;letter-spacing:0.28px;display:inline;\">726 </div><div class=\"t sc_100\" id=\"t16_100\" style=\"left:725px;bottom:600px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t17_100\" style=\"left:810px;bottom:600px;letter-spacing:0.37px;display:inline;\">2,287 </div><div class=\"t sc_100\" id=\"t18_100\" style=\"left:916px;bottom:600px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t19_100\" style=\"left:1011px;bottom:600px;letter-spacing:0.34px;display:inline;\">198 </div><div class=\"t sc_100\" id=\"t1a_100\" style=\"left:1097px;bottom:600px;letter-spacing:0.23px;display:inline;\">5,663 </div>\n<div class=\"t sb_100\" id=\"t1b_100\" style=\"left:78px;bottom:577px;letter-spacing:0.08px;display:inline;\">Acquisitions </div><div class=\"t s4_100\" id=\"t1c_100\" style=\"left:548px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1d_100\" style=\"left:630px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div><div class=\"t s4_100\" id=\"t1e_100\" style=\"left:738px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1f_100\" style=\"left:833px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1g_100\" style=\"left:929px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1h_100\" style=\"left:1024px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1i_100\" style=\"left:1107px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div>\n<div class=\"t sb_100\" id=\"t1j_100\" style=\"left:78px;bottom:555px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_100\" id=\"t1k_100\" style=\"left:548px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1l_100\" style=\"left:643px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1m_100\" style=\"left:738px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1n_100\" style=\"left:821px;bottom:555px;letter-spacing:0.26px;display:inline;\">201 </div><div class=\"t s4_100\" id=\"t1o_100\" style=\"left:929px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1p_100\" style=\"left:1011px;bottom:555px;letter-spacing:0.32px;display:inline;\">995 </div><div class=\"t sc_100\" id=\"t1q_100\" style=\"left:1096px;bottom:555px;letter-spacing:0.41px;display:inline;\">1,196 </div>\n<div class=\"t sb_100\" id=\"t1r_100\" style=\"left:78px;bottom:533px;letter-spacing:0.03px;display:inline;\">Transfers </div><div class=\"t s4_100\" id=\"t1s_100\" style=\"left:548px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1t_100\" style=\"left:643px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1u_100\" style=\"left:738px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1v_100\" style=\"left:821px;bottom:533px;letter-spacing:0.38px;display:inline;\">190 </div><div class=\"t s4_100\" id=\"t1w_100\" style=\"left:929px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1x_100\" style=\"left:1008px;bottom:533px;letter-spacing:0.24px;display:inline;\">(190) </div><div class=\"t s4_100\" id=\"t1y_100\" style=\"left:1119px;bottom:533px;display:inline;\">\u2013 </div>\n<div class=\"t sb_100\" id=\"t1z_100\" style=\"left:78px;bottom:511px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_100\" id=\"t20_100\" style=\"left:548px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t21_100\" style=\"left:643px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t22_100\" style=\"left:738px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t23_100\" style=\"left:833px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t24_100\" style=\"left:929px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t25_100\" style=\"left:1024px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t26_100\" style=\"left:1119px;bottom:511px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t27_100\" style=\"left:78px;bottom:489px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_100\" id=\"t28_100\" style=\"left:524px;bottom:489px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t29_100\" style=\"left:620px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,063 </div><div class=\"t sc_100\" id=\"t2a_100\" style=\"left:725px;bottom:489px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t2b_100\" style=\"left:811px;bottom:489px;letter-spacing:0.27px;display:inline;\">2,678 </div><div class=\"t sc_100\" id=\"t2c_100\" style=\"left:916px;bottom:489px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t2d_100\" style=\"left:1001px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t2e_100\" style=\"left:1097px;bottom:489px;letter-spacing:0.12px;display:inline;\">7,196 </div>\n<div class=\"t sb_100\" id=\"t2f_100\" style=\"left:78px;bottom:467px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sb_100\" id=\"t2g_100\" style=\"left:78px;bottom:444px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t2h_100\" style=\"left:524px;bottom:444px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t2i_100\" style=\"left:630px;bottom:444px;letter-spacing:0.31px;display:inline;\">411 </div><div class=\"t sc_100\" id=\"t2j_100\" style=\"left:726px;bottom:444px;letter-spacing:0.16px;display:inline;\">170 </div><div class=\"t sc_100\" id=\"t2k_100\" style=\"left:810px;bottom:444px;letter-spacing:0.36px;display:inline;\">1,293 </div><div class=\"t sc_100\" id=\"t2l_100\" style=\"left:916px;bottom:444px;letter-spacing:0.42px;display:inline;\">504 </div><div class=\"t s4_100\" id=\"t2m_100\" style=\"left:1024px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2n_100\" style=\"left:1097px;bottom:444px;letter-spacing:0.29px;display:inline;\">4,026 </div>\n<div class=\"t sb_100\" id=\"t2o_100\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_100\" id=\"t2p_100\" style=\"left:548px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2q_100\" style=\"left:630px;bottom:422px;letter-spacing:0.2px;display:inline;\">179 </div><div class=\"t sc_100\" id=\"t2r_100\" style=\"left:732px;bottom:422px;letter-spacing:0.44px;display:inline;\">60 </div><div class=\"t sc_100\" id=\"t2s_100\" style=\"left:821px;bottom:422px;letter-spacing:0.36px;display:inline;\">545 </div><div class=\"t sc_100\" id=\"t2t_100\" style=\"left:929px;bottom:422px;display:inline;\">2 </div><div class=\"t s4_100\" id=\"t2u_100\" style=\"left:1024px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2v_100\" style=\"left:1106px;bottom:422px;letter-spacing:0.32px;display:inline;\">786 </div>\n<div class=\"t sb_100\" id=\"t2w_100\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_100\" id=\"t2x_100\" style=\"left:548px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2y_100\" style=\"left:643px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2z_100\" style=\"left:738px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t30_100\" style=\"left:833px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t31_100\" style=\"left:929px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t32_100\" style=\"left:1024px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t33_100\" style=\"left:1119px;bottom:400px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t34_100\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sd_100\" id=\"t35_100\" style=\"left:524px;bottom:378px;letter-spacing:0.09px;display:inline;\">1,648 </div><div class=\"t s4_100\" id=\"t36_100\" style=\"left:628px;bottom:378px;letter-spacing:0.13px;display:inline;\">590 </div><div class=\"t s4_100\" id=\"t37_100\" style=\"left:724px;bottom:378px;letter-spacing:0.13px;display:inline;\">230 </div><div class=\"t sd_100\" id=\"t38_100\" style=\"left:810px;bottom:378px;letter-spacing:0.11px;display:inline;\">1,838 </div><div class=\"t sd_100\" id=\"t39_100\" style=\"left:914px;bottom:378px;letter-spacing:0.13px;display:inline;\">506 </div><div class=\"t s4_100\" id=\"t3a_100\" style=\"left:1024px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sd_100\" id=\"t3b_100\" style=\"left:1096px;bottom:378px;letter-spacing:0.11px;display:inline;\">4,812 </div>\n<div class=\"t s4_100\" id=\"t3c_100\" style=\"left:78px;bottom:356px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t s4_100\" id=\"t3d_100\" style=\"left:548px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3e_100\" style=\"left:630px;bottom:356px;letter-spacing:0.19px;display:inline;\">473 </div><div class=\"t s4_100\" id=\"t3f_100\" style=\"left:732px;bottom:356px;letter-spacing:0.44px;display:inline;\">68 </div><div class=\"t sc_100\" id=\"t3g_100\" style=\"left:820px;bottom:356px;letter-spacing:0.46px;display:inline;\">840 </div><div class=\"t s4_100\" id=\"t3h_100\" style=\"left:929px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3i_100\" style=\"left:1001px;bottom:356px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t3j_100\" style=\"left:1096px;bottom:356px;letter-spacing:0.43px;display:inline;\">2,384 </div>\n<div class=\"t sb_100\" id=\"t3k_100\" style=\"left:78px;bottom:334px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t se_100\" id=\"t3l_100\" style=\"left:548px;bottom:334px;display:inline;\">\u2013 </div><div class=\"t se_100\" id=\"t3m_100\" style=\"left:630px;bottom:334px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t sf_100\" id=\"t3n_100\" style=\"left:725px;bottom:334px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t sf_100\" id=\"t3o_100\" style=\"left:820px;bottom:334px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t sf_100\" id=\"t3p_100\" style=\"left:929px;bottom:334px;display:inline;\">2 </div><div class=\"t sf_100\" id=\"t3q_100\" style=\"left:1011px;bottom:334px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_100\" id=\"t3r_100\" style=\"left:1097px;bottom:334px;letter-spacing:0.13px;display:inline;\">1,637 </div> \n<div class=\"t sg_100\" id=\"t3s_100\" style=\"left:74px;bottom:295px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">The Pay &amp; Reward customer values and trademark include acquired intangibles relating to Innecto and QCG. This, and the Innecto technologies, is being amortised through the </div>\n<div class=\"t sh_100\" id=\"t3t_100\" style=\"left:74px;bottom:276px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">consolidated income statement over a five-year period. The net carrying values on 31 December 2022 have been assessed for impairment and no impairment was deemed necessary. </div>\n<div class=\"t sh_100\" id=\"t3u_100\" style=\"left:74px;bottom:258px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">The assets were assessed in conjunction with the goodwill value in Note 14. The total value of amortisation relating to acquired intangibles was \u00a3238k (2021: \u00a3205k). </div><div></div><div class=\"t s1_101\" id=\"t1_101\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_101\" id=\"t2_101\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_101\" id=\"t3_101\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_101\" id=\"t4_101\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_101\" id=\"t5_101\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_101\" id=\"t6_101\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_101\" id=\"t7_101\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_101\" id=\"t8_101\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_101\" id=\"t9_101\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n<div class=\"t sa_101\" id=\"te_101\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_101\" id=\"tf_101\" style=\"left:498px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sb_101\" id=\"tg_101\" style=\"left:523px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sb_101\" id=\"th_101\" style=\"left:521px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"ti_101\" style=\"left:570px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sb_101\" id=\"tj_101\" style=\"left:594px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sb_101\" id=\"tk_101\" style=\"left:594px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sb_101\" id=\"tl_101\" style=\"left:583px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sb_101\" id=\"tm_101\" style=\"left:617px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tn_101\" style=\"left:700px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sb_101\" id=\"to_101\" style=\"left:679px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sb_101\" id=\"tp_101\" style=\"left:712px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tq_101\" style=\"left:782px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_101\" id=\"tr_101\" style=\"left:762px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sb_101\" id=\"ts_101\" style=\"left:763px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sb_101\" id=\"tt_101\" style=\"left:807px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tu_101\" style=\"left:878px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sb_101\" id=\"tv_101\" style=\"left:876px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sb_101\" id=\"tw_101\" style=\"left:878px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sb_101\" id=\"tx_101\" style=\"left:882px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sb_101\" id=\"ty_101\" style=\"left:902px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tz_101\" style=\"left:1008px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sb_101\" id=\"t10_101\" style=\"left:998px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"t11_101\" style=\"left:1097px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_101\" id=\"t12_101\" style=\"left:1093px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_101\" id=\"t13_101\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_101\" id=\"t14_101\" style=\"left:78px;bottom:600px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t15_101\" style=\"left:526px;bottom:600px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t16_101\" style=\"left:632px;bottom:600px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t17_101\" style=\"left:727px;bottom:600px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t18_101\" style=\"left:813px;bottom:600px;letter-spacing:0.26px;display:inline;\">1,520 </div><div class=\"t se_101\" id=\"t19_101\" style=\"left:917px;bottom:600px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t sd_101\" id=\"t1a_101\" style=\"left:1025px;bottom:600px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1b_101\" style=\"left:1099px;bottom:600px;letter-spacing:0.17px;display:inline;\">4,698 </div>\n<div class=\"t sc_101\" id=\"t1c_101\" style=\"left:78px;bottom:577px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t sd_101\" id=\"t1d_101\" style=\"left:549px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1e_101\" style=\"left:644px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1f_101\" style=\"left:740px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1g_101\" style=\"left:822px;bottom:577px;letter-spacing:0.21px;display:inline;\">783 </div><div class=\"t sd_101\" id=\"t1h_101\" style=\"left:930px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1i_101\" style=\"left:1012px;bottom:577px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_101\" id=\"t1j_101\" style=\"left:1108px;bottom:577px;letter-spacing:0.3px;display:inline;\">981 </div>\n<div class=\"t sc_101\" id=\"t1k_101\" style=\"left:78px;bottom:555px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t sd_101\" id=\"t1l_101\" style=\"left:549px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1m_101\" style=\"left:644px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1n_101\" style=\"left:740px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1o_101\" style=\"left:826px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div><div class=\"t sd_101\" id=\"t1p_101\" style=\"left:930px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1q_101\" style=\"left:1025px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1r_101\" style=\"left:1111px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div>\n<div class=\"t sc_101\" id=\"t1s_101\" style=\"left:78px;bottom:533px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t1t_101\" style=\"left:526px;bottom:533px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t1u_101\" style=\"left:632px;bottom:533px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t1v_101\" style=\"left:727px;bottom:533px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t1w_101\" style=\"left:813px;bottom:533px;letter-spacing:0.22px;display:inline;\">2,287 </div><div class=\"t se_101\" id=\"t1x_101\" style=\"left:917px;bottom:533px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t se_101\" id=\"t1y_101\" style=\"left:1012px;bottom:533px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t1z_101\" style=\"left:1099px;bottom:533px;letter-spacing:0.15px;display:inline;\">5,663 </div>\n<div class=\"t sc_101\" id=\"t20_101\" style=\"left:78px;bottom:511px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sc_101\" id=\"t21_101\" style=\"left:78px;bottom:489px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t22_101\" style=\"left:526px;bottom:489px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t23_101\" style=\"left:631px;bottom:489px;letter-spacing:0.34px;display:inline;\">266 </div><div class=\"t se_101\" id=\"t24_101\" style=\"left:727px;bottom:489px;letter-spacing:0.26px;display:inline;\">110 </div><div class=\"t se_101\" id=\"t25_101\" style=\"left:822px;bottom:489px;letter-spacing:0.36px;display:inline;\">923 </div><div class=\"t se_101\" id=\"t26_101\" style=\"left:917px;bottom:489px;letter-spacing:0.28px;display:inline;\">498 </div><div class=\"t sd_101\" id=\"t27_101\" style=\"left:1025px;bottom:489px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t28_101\" style=\"left:1098px;bottom:489px;letter-spacing:0.23px;display:inline;\">3,445 </div>\n<div class=\"t sc_101\" id=\"t29_101\" style=\"left:78px;bottom:467px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t sd_101\" id=\"t2a_101\" style=\"left:549px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2b_101\" style=\"left:632px;bottom:467px;letter-spacing:0.12px;display:inline;\">145 </div><div class=\"t se_101\" id=\"t2c_101\" style=\"left:733px;bottom:467px;letter-spacing:0.46px;display:inline;\">60 </div><div class=\"t sd_101\" id=\"t2d_101\" style=\"left:823px;bottom:467px;letter-spacing:-0.2px;display:inline;\">374 </div><div class=\"t sd_101\" id=\"t2e_101\" style=\"left:930px;bottom:467px;display:inline;\">6 </div><div class=\"t sd_101\" id=\"t2f_101\" style=\"left:1025px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2g_101\" style=\"left:1108px;bottom:467px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sc_101\" id=\"t2h_101\" style=\"left:78px;bottom:444px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t sd_101\" id=\"t2i_101\" style=\"left:549px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2j_101\" style=\"left:644px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2k_101\" style=\"left:740px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2l_101\" style=\"left:832px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div><div class=\"t sd_101\" id=\"t2m_101\" style=\"left:930px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2n_101\" style=\"left:1025px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2o_101\" style=\"left:1118px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div>\n<div class=\"t sc_101\" id=\"t2p_101\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t2q_101\" style=\"left:526px;bottom:422px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t sd_101\" id=\"t2r_101\" style=\"left:632px;bottom:422px;letter-spacing:0.14px;display:inline;\">411 </div><div class=\"t se_101\" id=\"t2s_101\" style=\"left:727px;bottom:422px;letter-spacing:0.01px;display:inline;\">170 </div><div class=\"t se_101\" id=\"t2t_101\" style=\"left:813px;bottom:422px;letter-spacing:0.23px;display:inline;\">1,293 </div><div class=\"t se_101\" id=\"t2u_101\" style=\"left:917px;bottom:422px;letter-spacing:0.47px;display:inline;\">504 </div><div class=\"t sd_101\" id=\"t2v_101\" style=\"left:1025px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t2w_101\" style=\"left:1099px;bottom:422px;letter-spacing:0.2px;display:inline;\">4,026 </div>\n<div class=\"t s4_101\" id=\"t2x_101\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_101\" id=\"t2y_101\" style=\"left:549px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2z_101\" style=\"left:631px;bottom:400px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t se_101\" id=\"t30_101\" style=\"left:727px;bottom:400px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t se_101\" id=\"t31_101\" style=\"left:822px;bottom:400px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t se_101\" id=\"t32_101\" style=\"left:930px;bottom:400px;display:inline;\">2 </div><div class=\"t se_101\" id=\"t33_101\" style=\"left:1012px;bottom:400px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t34_101\" style=\"left:1099px;bottom:400px;letter-spacing:0.13px;display:inline;\">1,637 </div>\n<div class=\"t sc_101\" id=\"t35_101\" style=\"left:78px;bottom:378px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2020 </div><div class=\"t sd_101\" id=\"t36_101\" style=\"left:549px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t37_101\" style=\"left:631px;bottom:378px;letter-spacing:0.43px;display:inline;\">460 </div><div class=\"t sd_101\" id=\"t38_101\" style=\"left:727px;bottom:378px;letter-spacing:0.4px;display:inline;\">188 </div><div class=\"t se_101\" id=\"t39_101\" style=\"left:822px;bottom:378px;letter-spacing:0.28px;display:inline;\">598 </div><div class=\"t sd_101\" id=\"t3a_101\" style=\"left:930px;bottom:378px;display:inline;\">8 </div><div class=\"t sd_101\" id=\"t3b_101\" style=\"left:1025px;bottom:378px;display:inline;\">\u2013 </div>1,254 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f11962": {
   "value": "14 Goodwill <div class=\"t sd_97\" id=\"t2q_97\" style=\"left:621px;bottom:743px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">The carrying amount of goodwill which has been allocated to those cash-generating </div>\n<div class=\"t sd_97\" id=\"t2r_97\" style=\"left:621px;bottom:725px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">units can be analysed as follows: </div>\n<div class=\"t s9_97\" id=\"t2s_97\" style=\"left:819px;bottom:689px;letter-spacing:-0.01px;display:inline;\">PG Let\u2019s </div>\n<div class=\"t s9_97\" id=\"t2t_97\" style=\"left:817px;bottom:673px;letter-spacing:-0.03px;display:inline;\">Connect </div>\n<div class=\"t s9_97\" id=\"t2u_97\" style=\"left:827px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2v_97\" style=\"left:908px;bottom:673px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t s9_97\" id=\"t2w_97\" style=\"left:913px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2x_97\" style=\"left:1015px;bottom:673px;letter-spacing:-0.08px;display:inline;\">QCG </div>\n<div class=\"t s9_97\" id=\"t2y_97\" style=\"left:1000px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t2z_97\" style=\"left:1097px;bottom:673px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_97\" id=\"t30_97\" style=\"left:1086px;bottom:657px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sa_97\" id=\"t31_97\" style=\"left:626px;bottom:636px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_97\" id=\"t32_97\" style=\"left:626px;bottom:613px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sb_97\" id=\"t33_97\" style=\"left:832px;bottom:613px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t sb_97\" id=\"t34_97\" style=\"left:924px;bottom:613px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t s4_97\" id=\"t35_97\" style=\"left:1033px;bottom:613px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t36_97\" style=\"left:1091px;bottom:613px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t37_97\" style=\"left:626px;bottom:591px;letter-spacing:0.06px;word-spacing:-0.07px;display:inline;\">Additions in the year (note 32) </div><div class=\"t s4_97\" id=\"t38_97\" style=\"left:860px;bottom:591px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t39_97\" style=\"left:947px;bottom:591px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t3a_97\" style=\"left:1021px;bottom:591px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t3b_97\" style=\"left:1107px;bottom:591px;letter-spacing:0.23px;display:inline;\">563 </div>\n<div class=\"t sa_97\" id=\"t3c_97\" style=\"left:626px;bottom:569px;letter-spacing:0.11px;display:inline;\">Disposal </div><div class=\"t s4_97\" id=\"t3d_97\" style=\"left:860px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3e_97\" style=\"left:947px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3f_97\" style=\"left:1033px;bottom:569px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3g_97\" style=\"left:1120px;bottom:569px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t3h_97\" style=\"left:626px;bottom:547px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sb_97\" id=\"t3i_97\" style=\"left:832px;bottom:547px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t sb_97\" id=\"t3j_97\" style=\"left:924px;bottom:547px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t sb_97\" id=\"t3k_97\" style=\"left:1021px;bottom:547px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t3l_97\" style=\"left:1091px;bottom:547px;letter-spacing:0.26px;display:inline;\">13,259 </div>\n<div class=\"t sa_97\" id=\"t3m_97\" style=\"left:626px;bottom:525px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Impairment charged </div>\n<div class=\"t sa_97\" id=\"t3n_97\" style=\"left:626px;bottom:503px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t s4_97\" id=\"t3o_97\" style=\"left:860px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3p_97\" style=\"left:947px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3q_97\" style=\"left:1033px;bottom:503px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3r_97\" style=\"left:1120px;bottom:503px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t3s_97\" style=\"left:626px;bottom:480px;letter-spacing:0.07px;word-spacing:-0.12px;display:inline;\">Impairment charge for year </div><div class=\"t sb_97\" id=\"t3t_97\" style=\"left:832px;bottom:480px;letter-spacing:0.17px;display:inline;\">10,575 </div><div class=\"t s4_97\" id=\"t3u_97\" style=\"left:947px;bottom:480px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3v_97\" style=\"left:1033px;bottom:480px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t3w_97\" style=\"left:1091px;bottom:480px;letter-spacing:0.17px;display:inline;\">10,575 </div>\n<div class=\"t sa_97\" id=\"t3x_97\" style=\"left:626px;bottom:458px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t s4_97\" id=\"t3y_97\" style=\"left:860px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t3z_97\" style=\"left:947px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t40_97\" style=\"left:1033px;bottom:458px;display:inline;\">\u2013 </div><div class=\"t s4_97\" id=\"t41_97\" style=\"left:1120px;bottom:458px;display:inline;\">\u2013 </div>\n<div class=\"t s4_97\" id=\"t42_97\" style=\"left:626px;bottom:436px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Net book value at </div>\n<div class=\"t s4_97\" id=\"t43_97\" style=\"left:626px;bottom:419px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">31 December 2022 </div><div class=\"t s4_97\" id=\"t44_97\" style=\"left:860px;bottom:419px;display:inline;\">\u2013 </div><div class=\"t sb_97\" id=\"t45_97\" style=\"left:924px;bottom:419px;letter-spacing:0.3px;display:inline;\">2,121 </div><div class=\"t sb_97\" id=\"t46_97\" style=\"left:1021px;bottom:419px;letter-spacing:0.23px;display:inline;\">563 </div><div class=\"t sb_97\" id=\"t47_97\" style=\"left:1097px;bottom:419px;letter-spacing:0.32px;display:inline;\">2,684 </div>\n<div class=\"t s9_97\" id=\"t48_97\" style=\"left:818px;bottom:375px;letter-spacing:-0.01px;display:inline;\">PG Let\u2019s </div>\n<div class=\"t s9_97\" id=\"t49_97\" style=\"left:817px;bottom:359px;letter-spacing:-0.03px;display:inline;\">Connect </div>\n<div class=\"t s9_97\" id=\"t4a_97\" style=\"left:826px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4b_97\" style=\"left:907px;bottom:359px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t s9_97\" id=\"t4c_97\" style=\"left:913px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4d_97\" style=\"left:1014px;bottom:359px;letter-spacing:-0.08px;display:inline;\">QCG </div>\n<div class=\"t s9_97\" id=\"t4e_97\" style=\"left:999px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s9_97\" id=\"t4f_97\" style=\"left:1096px;bottom:359px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t s9_97\" id=\"t4g_97\" style=\"left:1086px;bottom:343px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sa_97\" id=\"t4h_97\" style=\"left:626px;bottom:321px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_97\" id=\"t4i_97\" style=\"left:626px;bottom:299px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sc_97\" id=\"t4j_97\" style=\"left:831px;bottom:299px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t4k_97\" style=\"left:924px;bottom:299px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t4l_97\" style=\"left:1033px;bottom:299px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t4m_97\" style=\"left:1091px;bottom:299px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t4n_97\" style=\"left:626px;bottom:277px;letter-spacing:0.08px;word-spacing:-0.15px;display:inline;\">Additions in the year </div><div class=\"t se_97\" id=\"t4o_97\" style=\"left:859px;bottom:277px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4p_97\" style=\"left:1033px;bottom:277px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4q_97\" style=\"left:1119px;bottom:277px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t4r_97\" style=\"left:626px;bottom:255px;letter-spacing:0.11px;display:inline;\">Disposal </div><div class=\"t se_97\" id=\"t4s_97\" style=\"left:859px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4t_97\" style=\"left:946px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4u_97\" style=\"left:1033px;bottom:255px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t4v_97\" style=\"left:1119px;bottom:255px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t4w_97\" style=\"left:626px;bottom:232px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sc_97\" id=\"t4x_97\" style=\"left:831px;bottom:232px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t4y_97\" style=\"left:924px;bottom:232px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t4z_97\" style=\"left:1033px;bottom:232px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t50_97\" style=\"left:1091px;bottom:232px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sa_97\" id=\"t51_97\" style=\"left:626px;bottom:210px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Impairment charged </div>\n<div class=\"t sa_97\" id=\"t52_97\" style=\"left:626px;bottom:188px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t se_97\" id=\"t53_97\" style=\"left:860px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t54_97\" style=\"left:946px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t55_97\" style=\"left:1033px;bottom:188px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t56_97\" style=\"left:1119px;bottom:188px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t57_97\" style=\"left:626px;bottom:166px;letter-spacing:0.07px;word-spacing:-0.12px;display:inline;\">Impairment charge for year </div><div class=\"t se_97\" id=\"t58_97\" style=\"left:860px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t59_97\" style=\"left:946px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5a_97\" style=\"left:1033px;bottom:166px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5b_97\" style=\"left:1119px;bottom:166px;display:inline;\">\u2013 </div>\n<div class=\"t sa_97\" id=\"t5c_97\" style=\"left:626px;bottom:144px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t se_97\" id=\"t5d_97\" style=\"left:860px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5e_97\" style=\"left:946px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5f_97\" style=\"left:1033px;bottom:144px;display:inline;\">\u2013 </div><div class=\"t se_97\" id=\"t5g_97\" style=\"left:1119px;bottom:144px;display:inline;\">\u2013 </div>\n<div class=\"t s4_97\" id=\"t5h_97\" style=\"left:626px;bottom:122px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Net book value at </div>\n<div class=\"t s4_97\" id=\"t5i_97\" style=\"left:626px;bottom:104px;letter-spacing:0.09px;word-spacing:0.03px;display:inline;\">31 December 2021 </div><div class=\"t sc_97\" id=\"t5j_97\" style=\"left:831px;bottom:104px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t sc_97\" id=\"t5k_97\" style=\"left:924px;bottom:104px;letter-spacing:0.28px;display:inline;\">2,121 </div><div class=\"t se_97\" id=\"t5l_97\" style=\"left:1033px;bottom:104px;display:inline;\">\u2013 </div><div class=\"t sc_97\" id=\"t5m_97\" style=\"left:1091px;bottom:104px;letter-spacing:0.26px;display:inline;\">12,696 </div>\n<div class=\"t sd_97\" id=\"t5n_97\" style=\"left:621px;bottom:65px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">The net carrying values at 31 December 2022 have been reviewed for impairment. </div><div></div><div class=\"t s1_98\" id=\"t1_98\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_98\" id=\"t2_98\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_98\" id=\"t3_98\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_98\" id=\"t4_98\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_98\" id=\"t5_98\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_98\" id=\"t6_98\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_98\" id=\"t7_98\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_98\" id=\"t8_98\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_98\" id=\"t9_98\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n<div class=\"t sa_98\" id=\"te_98\" style=\"left:74px;bottom:745px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">PG Let\u2019s Connect </div>\n<div class=\"t sb_98\" id=\"tf_98\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">The first cash generating unit (CGU) considered was the PG Let\u2019s Connect business as a </div>\n<div class=\"t sb_98\" id=\"tg_98\" style=\"left:74px;bottom:704px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">whole and its recoverable amount was based on value in use, determined by discounting </div>\n<div class=\"t sb_98\" id=\"th_98\" style=\"left:74px;bottom:686px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">the future cash flows to be generated from continued trading of PG Let\u2019s Connect. </div>\n<div class=\"t sb_98\" id=\"ti_98\" style=\"left:74px;bottom:654px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">As a result in the change of the operational landscape at a key customer, PG Let's </div>\n<div class=\"t sb_98\" id=\"tj_98\" style=\"left:74px;bottom:636px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Connect has lost access to a significant portion of its customer base from previous </div>\n<div class=\"t sb_98\" id=\"tk_98\" style=\"left:74px;bottom:618px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">years. This, combined with the ongoing impacts of COVID-19 on stock availability and </div>\n<div class=\"t sb_98\" id=\"tl_98\" style=\"left:74px;bottom:599px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">profit margins, has resulted in the revenue and profitability outlooks of the business </div>\n<div class=\"t sb_98\" id=\"tm_98\" style=\"left:74px;bottom:581px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">being lessened at the end of December 2022. </div>\n<div class=\"t sb_98\" id=\"tn_98\" style=\"left:74px;bottom:550px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">The value in use of the CGU was found to no longer support the recognition of any </div>\n<div class=\"t sb_98\" id=\"to_98\" style=\"left:74px;bottom:531px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">goodwill. As such, an impairment of \u00a310,575,000 was recorded in the year. </div>\n<div class=\"t sb_98\" id=\"tp_98\" style=\"left:74px;bottom:500px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the purpose of the value in use model, the CGU value is comprised of the Goodwill </div>\n<div class=\"t sb_98\" id=\"tq_98\" style=\"left:74px;bottom:482px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">allocated, the carrying value of the intangible asset recognised on acquisition and the </div>\n<div class=\"t sb_98\" id=\"tr_98\" style=\"left:74px;bottom:463px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">assets of the CGU such that the carrying amount of the CGU has been determined on </div>\n<div class=\"t sb_98\" id=\"ts_98\" style=\"left:74px;bottom:445px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">a basis consistent with the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_98\" id=\"tt_98\" style=\"left:74px;bottom:414px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model. </div>\n<div class=\"t sb_98\" id=\"tu_98\" style=\"left:74px;bottom:382px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">In line with previous years, an expected cash flow approach, based on various different </div>\n<div class=\"t sb_98\" id=\"tv_98\" style=\"left:74px;bottom:364px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">scenarios, was used, as management believe this method to most appropriately </div>\n<div class=\"t sb_98\" id=\"tw_98\" style=\"left:74px;bottom:346px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">address the fact that the timing and scale of Let\u2019s Connect\u2019s future growth currently </div>\n<div class=\"t sb_98\" id=\"tx_98\" style=\"left:74px;bottom:327px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">remains uncertain. Each of the scenarios was given a probability expectation, based </div>\n<div class=\"t sb_98\" id=\"ty_98\" style=\"left:74px;bottom:309px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">on management\u2019s best view and historic performance, and the weighted average net </div>\n<div class=\"t sb_98\" id=\"tz_98\" style=\"left:74px;bottom:291px;letter-spacing:-0.16px;word-spacing:-0.12px;display:inline;\">present value (NPV) derived from these calculations was then determined as the value in </div>\n<div class=\"t sb_98\" id=\"t10_98\" style=\"left:74px;bottom:272px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">use. Budgeted EBITDA was based on expectations of future outcomes considering past </div>\n<div class=\"t sb_98\" id=\"t11_98\" style=\"left:74px;bottom:254px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">experience as well as existing contracts in place. </div>\n<div class=\"t sa_98\" id=\"t12_98\" style=\"left:74px;bottom:224px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_98\" id=\"t13_98\" style=\"left:74px;bottom:202px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Given that NPV is sensitive to several key assumptions which have been used, </div>\n<div class=\"t sb_98\" id=\"t14_98\" style=\"left:74px;bottom:183px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">the following have been highlighted as being the most sensitive. </div>\n<div class=\"t sa_98\" id=\"t15_98\" style=\"left:621px;bottom:767px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">Discount rate </div>\n<div class=\"t sb_98\" id=\"t16_98\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The long-term growth rate into perpetuity was determined as 2.5% (30-year average </div>\n<div class=\"t sb_98\" id=\"t17_98\" style=\"left:621px;bottom:726px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">of UK\u00a0consumer price index). To reflect the increased uncertainty of the business </div>\n<div class=\"t sb_98\" id=\"t18_98\" style=\"left:621px;bottom:708px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">operations, the cash flows were then discounted using a post-tax discount rate of 18% </div>\n<div class=\"t sb_98\" id=\"t19_98\" style=\"left:621px;bottom:690px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">(2021: 13%) based on PG Let\u2019s Connect weighted average cost of capital, using the capital </div>\n<div class=\"t sb_98\" id=\"t1a_98\" style=\"left:621px;bottom:671px;letter-spacing:-0.01px;display:inline;\">asset pricing model. </div>\n<div class=\"t sa_98\" id=\"t1b_98\" style=\"left:621px;bottom:641px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Cash flow revenue projections </div>\n<div class=\"t sb_98\" id=\"t1c_98\" style=\"left:621px;bottom:619px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">Management applied an expected cash flow approach to the value in use model for </div>\n<div class=\"t sb_98\" id=\"t1d_98\" style=\"left:621px;bottom:600px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">revenue forecasting, using the weighted average of a number of scenarios to determine </div>\n<div class=\"t sb_98\" id=\"t1e_98\" style=\"left:621px;bottom:582px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">the expected future revenues of Let\u2019s Connect. The scenarios used, and the probabilities </div>\n<div class=\"t sb_98\" id=\"t1f_98\" style=\"left:621px;bottom:564px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">applied, take into account the current market conditions, including global supply chain </div>\n<div class=\"t sb_98\" id=\"t1g_98\" style=\"left:621px;bottom:545px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">interruptions, and represent the possible future outcomes and management\u2019s best </div>\n<div class=\"t sb_98\" id=\"t1h_98\" style=\"left:621px;bottom:527px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">estimate as to their likelihood. </div>\n<div class=\"t sa_98\" id=\"t1i_98\" style=\"left:621px;bottom:497px;word-spacing:-0.12px;display:inline;\">Gross profit margin </div>\n<div class=\"t sb_98\" id=\"t1j_98\" style=\"left:621px;bottom:475px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Management applied an expected gross margin of 15% on its future revenue projections, </div>\n<div class=\"t sb_98\" id=\"t1k_98\" style=\"left:621px;bottom:456px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">a slight increase on actual results for the year ended 31 December 2022 (14%). This is due </div>\n<div class=\"t sb_98\" id=\"t1l_98\" style=\"left:621px;bottom:438px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">to the fact that the customer mix in future periods, as a result of the lost key customer, </div>\n<div class=\"t sb_98\" id=\"t1m_98\" style=\"left:621px;bottom:420px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">is expected to result in a higher margin. </div>\n<div class=\"t sb_98\" id=\"t1n_98\" style=\"left:621px;bottom:388px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of </div>\n<div class=\"t sb_98\" id=\"t1o_98\" style=\"left:621px;bottom:370px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">changes in various key assumptions (in base percentage point terms) have on the value </div>\n<div class=\"t sb_98\" id=\"t1p_98\" style=\"left:621px;bottom:352px;letter-spacing:-0.03px;word-spacing:-0.12px;display:inline;\">of the impairment. The Base column refers to the value of the impairment following the </div>\n<div class=\"t sb_98\" id=\"t1q_98\" style=\"left:621px;bottom:333px;letter-spacing:-0.06px;word-spacing:0.06px;display:inline;\">review completed by management. </div>\n<div class=\"t sc_98\" id=\"t1r_98\" style=\"left:626px;bottom:282px;letter-spacing:-0.15px;word-spacing:-0.06px;display:inline;\">Sensitivity Analysis \u2013 Impact on impairment </div>\n<div class=\"t sc_98\" id=\"t1s_98\" style=\"left:960px;bottom:298px;letter-spacing:-0.01px;word-spacing:-0.13px;display:inline;\">- % </div>\n<div class=\"t sc_98\" id=\"t1t_98\" style=\"left:939px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_98\" id=\"t1u_98\" style=\"left:1030px;bottom:298px;letter-spacing:-0.14px;display:inline;\">Base </div>\n<div class=\"t sc_98\" id=\"t1v_98\" style=\"left:1017px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_98\" id=\"t1w_98\" style=\"left:1115px;bottom:298px;letter-spacing:-0.01px;word-spacing:-0.13px;display:inline;\">+ % </div>\n<div class=\"t sc_98\" id=\"t1x_98\" style=\"left:1095px;bottom:282px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_98\" id=\"t1y_98\" style=\"left:626px;bottom:260px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_98\" id=\"t1z_98\" style=\"left:707px;bottom:260px;letter-spacing:0.09px;display:inline;\">( +/- 2%) </div><div class=\"t se_98\" id=\"t20_98\" style=\"left:934px;bottom:260px;letter-spacing:0.29px;display:inline;\">10,548 </div><div class=\"t se_98\" id=\"t21_98\" style=\"left:1013px;bottom:260px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t22_98\" style=\"left:1091px;bottom:260px;letter-spacing:0.15px;display:inline;\">10,575 </div>\n<div class=\"t s4_98\" id=\"t23_98\" style=\"left:626px;bottom:238px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Gross Income </div><div class=\"t sd_98\" id=\"t24_98\" style=\"left:703px;bottom:238px;letter-spacing:0.09px;display:inline;\">( +/- 5%) </div><div class=\"t se_98\" id=\"t25_98\" style=\"left:935px;bottom:238px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t26_98\" style=\"left:1013px;bottom:238px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t27_98\" style=\"left:1091px;bottom:238px;letter-spacing:0.07px;display:inline;\">10,071 </div>\n<div class=\"t s4_98\" id=\"t28_98\" style=\"left:626px;bottom:215px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Gross Profit Margin </div><div class=\"t sd_98\" id=\"t29_98\" style=\"left:737px;bottom:215px;letter-spacing:0.09px;display:inline;\">( +/- 2%) </div><div class=\"t se_98\" id=\"t2a_98\" style=\"left:935px;bottom:215px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t2b_98\" style=\"left:1013px;bottom:215px;letter-spacing:0.15px;display:inline;\">10,575 </div><div class=\"t se_98\" id=\"t2c_98\" style=\"left:1090px;bottom:215px;letter-spacing:0.28px;display:inline;\">10,484 </div><div></div><div class=\"t s1_99\" id=\"t1_99\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_99\" id=\"t2_99\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_99\" id=\"t3_99\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_99\" id=\"t4_99\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_99\" id=\"t5_99\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_99\" id=\"t6_99\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_99\" id=\"t7_99\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_99\" id=\"t8_99\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_99\" id=\"t9_99\" style=\"left:1106px;bottom:878px;letter-spacing:-0.65px;display:inline;\"></div>\n\n\n<div class=\"t sa_99\" id=\"te_99\" style=\"left:74px;bottom:745px;letter-spacing:0.02px;display:inline;\">Innecto </div>\n<div class=\"t sb_99\" id=\"tf_99\" style=\"left:74px;bottom:722px;letter-spacing:-0.02px;word-spacing:-0.05px;display:inline;\">The second cash generating unit (CGU) considered was the Innecto business as a whole. </div>\n<div class=\"t sb_99\" id=\"tg_99\" style=\"left:74px;bottom:704px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the purpose of the value in use model, the CGU value is comprised of the goodwill </div>\n<div class=\"t sb_99\" id=\"th_99\" style=\"left:74px;bottom:686px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">allocated, the carrying value of the intangible assets recognised on acquisition and the </div>\n<div class=\"t sb_99\" id=\"ti_99\" style=\"left:74px;bottom:667px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">assets of the CGU such that the carrying amount of the CGU has been determined on a </div>\n<div class=\"t sb_99\" id=\"tj_99\" style=\"left:74px;bottom:647px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">basis consistent with the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_99\" id=\"tk_99\" style=\"left:74px;bottom:616px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">An expected cash flow approach, similar to that applied to PG Let\u2019s Connect, was used </div>\n<div class=\"t sb_99\" id=\"tl_99\" style=\"left:74px;bottom:598px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">applying multiple scenarios and affixed probabilities that were deemed to be appropriate </div>\n<div class=\"t sb_99\" id=\"tm_99\" style=\"left:74px;bottom:579px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">under management\u2019s best understanding of the business. </div>\n<div class=\"t sa_99\" id=\"tn_99\" style=\"left:74px;bottom:549px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_99\" id=\"to_99\" style=\"left:74px;bottom:527px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model </div>\n<div class=\"t sb_99\" id=\"tp_99\" style=\"left:74px;bottom:509px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">including a long-term growth rate of 2.3% (30-year average of UK consumer price index). </div>\n<div class=\"t sb_99\" id=\"tq_99\" style=\"left:74px;bottom:490px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These cash flows were then discounted using a risk mitigating post-tax discount rate </div>\n<div class=\"t sb_99\" id=\"tr_99\" style=\"left:74px;bottom:472px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">of 22.4% (2021: 22.4%) based on Innecto\u2019s weighted average cost of capital, using the </div>\n<div class=\"t sb_99\" id=\"ts_99\" style=\"left:74px;bottom:454px;letter-spacing:-0.02px;word-spacing:-0.08px;display:inline;\">capital asset pricing model with a risk premium in line with the risks associated with the </div>\n<div class=\"t sb_99\" id=\"tt_99\" style=\"left:74px;bottom:435px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">uncertainties around the forecasted growth. </div>\n<div class=\"t sa_99\" id=\"tu_99\" style=\"left:74px;bottom:405px;letter-spacing:0.04px;display:inline;\">Sensitivity </div>\n<div class=\"t sb_99\" id=\"tv_99\" style=\"left:74px;bottom:383px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">While management are confident that Innecto will generate forecasted income, it is </div>\n<div class=\"t sb_99\" id=\"tw_99\" style=\"left:74px;bottom:365px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">recognised that there is an inherent uncertainty within the forecasted cash flows used </div>\n<div class=\"t sb_99\" id=\"tx_99\" style=\"left:74px;bottom:346px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">in the impairment model due to the expected growth. </div>\n<div class=\"t sb_99\" id=\"ty_99\" style=\"left:74px;bottom:315px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of various </div>\n<div class=\"t sb_99\" id=\"tz_99\" style=\"left:74px;bottom:297px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">changes (in base percentage point terms) on the headroom. The Base column refers to </div>\n<div class=\"t sb_99\" id=\"t10_99\" style=\"left:74px;bottom:278px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the headroom on the impairment review model completed by management. </div>\n<div class=\"t sc_99\" id=\"t11_99\" style=\"left:78px;bottom:242px;letter-spacing:-0.04px;word-spacing:-0.32px;display:inline;\">Sensitivity Analysis </div>\n<div class=\"t sc_99\" id=\"t12_99\" style=\"left:78px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u2013 Impact on headroom </div>\n<div class=\"t sc_99\" id=\"t13_99\" style=\"left:386px;bottom:242px;letter-spacing:-0.01px;display:inline;\">- % </div>\n<div class=\"t sc_99\" id=\"t14_99\" style=\"left:365px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t15_99\" style=\"left:464px;bottom:242px;letter-spacing:-0.01px;display:inline;\">Base </div>\n<div class=\"t sc_99\" id=\"t16_99\" style=\"left:451px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t17_99\" style=\"left:559px;bottom:242px;letter-spacing:-0.01px;display:inline;\">+ % </div>\n<div class=\"t sc_99\" id=\"t18_99\" style=\"left:538px;bottom:226px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_99\" id=\"t19_99\" style=\"left:78px;bottom:205px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_99\" id=\"t1a_99\" style=\"left:159px;bottom:205px;letter-spacing:0.09px;display:inline;\">(+/- 2.5%) </div><div class=\"t se_99\" id=\"t1b_99\" style=\"left:376px;bottom:205px;letter-spacing:0.21px;display:inline;\">2,091 </div><div class=\"t se_99\" id=\"t1c_99\" style=\"left:463px;bottom:205px;letter-spacing:0.24px;display:inline;\">1,438 </div><div class=\"t se_99\" id=\"t1d_99\" style=\"left:559px;bottom:205px;letter-spacing:0.03px;display:inline;\">937 </div>\n<div class=\"t s4_99\" id=\"t1e_99\" style=\"left:78px;bottom:182px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Terminal Growth Rate </div><div class=\"t sd_99\" id=\"t1f_99\" style=\"left:203px;bottom:182px;letter-spacing:0.09px;display:inline;\">(+/- 1%) </div><div class=\"t se_99\" id=\"t1g_99\" style=\"left:376px;bottom:182px;letter-spacing:0.28px;display:inline;\">1,301 </div><div class=\"t se_99\" id=\"t1h_99\" style=\"left:463px;bottom:182px;letter-spacing:0.24px;display:inline;\">1,438 </div><div class=\"t se_99\" id=\"t1i_99\" style=\"left:549px;bottom:182px;letter-spacing:0.29px;display:inline;\">1,577 </div>\n<div class=\"t sa_99\" id=\"t1j_99\" style=\"left:621px;bottom:767px;letter-spacing:-0.14px;display:inline;\">QCG </div>\n<div class=\"t sb_99\" id=\"t1k_99\" style=\"left:621px;bottom:745px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">The third cash generating unit (CGU) considered was for QCG. For the purpose of the </div>\n<div class=\"t sb_99\" id=\"t1l_99\" style=\"left:621px;bottom:726px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">value in use model, the CGU value is comprised of the goodwill allocated, the carrying </div>\n<div class=\"t sb_99\" id=\"t1m_99\" style=\"left:621px;bottom:708px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">value of the intangible assets recognised on acquisition and the assets of the CGU such </div>\n<div class=\"t sb_99\" id=\"t1n_99\" style=\"left:621px;bottom:690px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">that the carrying amount of the CGU has been determined on a basis consistent with </div>\n<div class=\"t sb_99\" id=\"t1o_99\" style=\"left:621px;bottom:671px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">the way the recoverable amount of the CGU is determined. </div>\n<div class=\"t sb_99\" id=\"t1p_99\" style=\"left:621px;bottom:640px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">An expected cash flow approach was used applying multiple scenarios and affixed </div>\n<div class=\"t sb_99\" id=\"t1q_99\" style=\"left:621px;bottom:622px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">probabilities that were deemed to be appropriate under management\u2019s best </div>\n<div class=\"t sb_99\" id=\"t1r_99\" style=\"left:621px;bottom:603px;letter-spacing:-0.02px;word-spacing:-0.07px;display:inline;\">understanding of the business. </div>\n<div class=\"t sa_99\" id=\"t1s_99\" style=\"left:621px;bottom:573px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Key assumptions </div>\n<div class=\"t sb_99\" id=\"t1t_99\" style=\"left:621px;bottom:551px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">Five years of future cash flows were included in the discounted cash flow model </div>\n<div class=\"t sb_99\" id=\"t1u_99\" style=\"left:621px;bottom:532px;letter-spacing:-0.18px;word-spacing:0.04px;display:inline;\">including a long-term growth rate of 2.3% (30-year average of UK consumer price index). </div>\n<div class=\"t sb_99\" id=\"t1v_99\" style=\"left:621px;bottom:514px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These cash flows were then discounted using a risk mitigating post-tax discount rate of </div>\n<div class=\"t sb_99\" id=\"t1w_99\" style=\"left:621px;bottom:496px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">24.8% based on QCG\u2019s weighted average cost of capital, using the capital asset pricing </div>\n<div class=\"t sb_99\" id=\"t1x_99\" style=\"left:621px;bottom:477px;letter-spacing:-0.15px;word-spacing:-0.08px;display:inline;\">model with a risk premium in line with the risks associated with the uncertainties around </div>\n<div class=\"t sb_99\" id=\"t1y_99\" style=\"left:621px;bottom:459px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">the forecasted growth. </div>\n<div class=\"t sa_99\" id=\"t1z_99\" style=\"left:621px;bottom:429px;letter-spacing:0.04px;display:inline;\">Sensitivity </div>\n<div class=\"t sb_99\" id=\"t20_99\" style=\"left:621px;bottom:407px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">While management are confident that QCG will generate forecasted income, it is </div>\n<div class=\"t sb_99\" id=\"t21_99\" style=\"left:621px;bottom:388px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">recognised that there is an inherent uncertainty within the forecasted cash flows used </div>\n<div class=\"t sb_99\" id=\"t22_99\" style=\"left:621px;bottom:370px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">in the impairment model due to the expected growth. </div>\n<div class=\"t sb_99\" id=\"t23_99\" style=\"left:621px;bottom:339px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">Below is a table showing the sensitivity of the key assumptions and the impact of various </div>\n<div class=\"t sb_99\" id=\"t24_99\" style=\"left:621px;bottom:320px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">changes (in base percentage point terms) on the headroom. The Base column refers to </div>\n<div class=\"t sb_99\" id=\"t25_99\" style=\"left:621px;bottom:302px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the headroom on the impairment review model completed by management. </div>\n<div class=\"t sc_99\" id=\"t26_99\" style=\"left:626px;bottom:266px;letter-spacing:-0.04px;word-spacing:-0.32px;display:inline;\">Sensitivity Analysis </div>\n<div class=\"t sc_99\" id=\"t27_99\" style=\"left:626px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u2013 Impact on headroom </div>\n<div class=\"t sc_99\" id=\"t28_99\" style=\"left:932px;bottom:266px;letter-spacing:-0.01px;display:inline;\">- % </div>\n<div class=\"t sc_99\" id=\"t29_99\" style=\"left:910px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t2a_99\" style=\"left:1010px;bottom:266px;letter-spacing:-0.01px;display:inline;\">Base </div>\n<div class=\"t sc_99\" id=\"t2b_99\" style=\"left:997px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t sc_99\" id=\"t2c_99\" style=\"left:1105px;bottom:266px;letter-spacing:-0.01px;display:inline;\">+ % </div>\n<div class=\"t sc_99\" id=\"t2d_99\" style=\"left:1084px;bottom:250px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000s </div>\n<div class=\"t s4_99\" id=\"t2e_99\" style=\"left:626px;bottom:226px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Discount Rate </div><div class=\"t sd_99\" id=\"t2f_99\" style=\"left:707px;bottom:226px;letter-spacing:0.1px;display:inline;\">(+/- 3%) </div><div class=\"t se_99\" id=\"t2g_99\" style=\"left:931px;bottom:226px;letter-spacing:0.36px;display:inline;\">382 </div><div class=\"t se_99\" id=\"t2h_99\" style=\"left:1018px;bottom:226px;letter-spacing:0.03px;display:inline;\">141 </div><div class=\"t se_99\" id=\"t2i_99\" style=\"left:1114px;bottom:226px;letter-spacing:0.05px;display:inline;\">(1) </div>\n<div class=\"t s4_99\" id=\"t2j_99\" style=\"left:626px;bottom:202px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Terminal Growth Rate </div><div class=\"t sd_99\" id=\"t2k_99\" style=\"left:751px;bottom:202px;letter-spacing:0.09px;display:inline;\">(+/- 1%) </div><div class=\"t se_99\" id=\"t2l_99\" style=\"left:931px;bottom:202px;letter-spacing:0.32px;display:inline;\">109 </div><div class=\"t se_99\" id=\"t2m_99\" style=\"left:1018px;bottom:202px;letter-spacing:0.03px;display:inline;\">141 </div><div class=\"t se_99\" id=\"t2n_99\" style=\"left:1105px;bottom:202px;letter-spacing:-0.26px;display:inline;\">174 </div>\n<div class=\"t sb_99\" id=\"t2o_99\" style=\"left:621px;bottom:163px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Management believe that there is no cause for an impairment in either QCG or Innecto. </div>\n<div class=\"t sb_99\" id=\"t2p_99\" style=\"left:621px;bottom:145px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">In addition to the future benefits built into each CGU, there are benefits of each to </div>\n<div class=\"t sb_99\" id=\"t2q_99\" style=\"left:621px;bottom:126px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">the wider Group as a result of improved market penetration, marketing expertise and </div>\nadditional cross-selling opportunities made available. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f12348": {
   "value": "15 Intangible assets <div class=\"t s9_100\" id=\"td_100\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_100\" id=\"te_100\" style=\"left:496px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sa_100\" id=\"tf_100\" style=\"left:522px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sa_100\" id=\"tg_100\" style=\"left:520px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"th_100\" style=\"left:569px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sa_100\" id=\"ti_100\" style=\"left:593px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sa_100\" id=\"tj_100\" style=\"left:592px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sa_100\" id=\"tk_100\" style=\"left:582px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sa_100\" id=\"tl_100\" style=\"left:615px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tm_100\" style=\"left:699px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sa_100\" id=\"tn_100\" style=\"left:677px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sa_100\" id=\"to_100\" style=\"left:711px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tp_100\" style=\"left:781px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_100\" id=\"tq_100\" style=\"left:761px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sa_100\" id=\"tr_100\" style=\"left:761px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sa_100\" id=\"ts_100\" style=\"left:806px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tt_100\" style=\"left:877px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sa_100\" id=\"tu_100\" style=\"left:874px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sa_100\" id=\"tv_100\" style=\"left:877px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sa_100\" id=\"tw_100\" style=\"left:881px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sa_100\" id=\"tx_100\" style=\"left:901px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"ty_100\" style=\"left:1007px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sa_100\" id=\"tz_100\" style=\"left:996px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"t10_100\" style=\"left:1096px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_100\" id=\"t11_100\" style=\"left:1092px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_100\" id=\"t12_100\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_100\" id=\"t13_100\" style=\"left:78px;bottom:600px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t14_100\" style=\"left:525px;bottom:600px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t15_100\" style=\"left:630px;bottom:600px;letter-spacing:0.28px;display:inline;\">726 </div><div class=\"t sc_100\" id=\"t16_100\" style=\"left:725px;bottom:600px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t17_100\" style=\"left:810px;bottom:600px;letter-spacing:0.37px;display:inline;\">2,287 </div><div class=\"t sc_100\" id=\"t18_100\" style=\"left:916px;bottom:600px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t19_100\" style=\"left:1011px;bottom:600px;letter-spacing:0.34px;display:inline;\">198 </div><div class=\"t sc_100\" id=\"t1a_100\" style=\"left:1097px;bottom:600px;letter-spacing:0.23px;display:inline;\">5,663 </div>\n<div class=\"t sb_100\" id=\"t1b_100\" style=\"left:78px;bottom:577px;letter-spacing:0.08px;display:inline;\">Acquisitions </div><div class=\"t s4_100\" id=\"t1c_100\" style=\"left:548px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1d_100\" style=\"left:630px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div><div class=\"t s4_100\" id=\"t1e_100\" style=\"left:738px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1f_100\" style=\"left:833px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1g_100\" style=\"left:929px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1h_100\" style=\"left:1024px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1i_100\" style=\"left:1107px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div>\n<div class=\"t sb_100\" id=\"t1j_100\" style=\"left:78px;bottom:555px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_100\" id=\"t1k_100\" style=\"left:548px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1l_100\" style=\"left:643px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1m_100\" style=\"left:738px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1n_100\" style=\"left:821px;bottom:555px;letter-spacing:0.26px;display:inline;\">201 </div><div class=\"t s4_100\" id=\"t1o_100\" style=\"left:929px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1p_100\" style=\"left:1011px;bottom:555px;letter-spacing:0.32px;display:inline;\">995 </div><div class=\"t sc_100\" id=\"t1q_100\" style=\"left:1096px;bottom:555px;letter-spacing:0.41px;display:inline;\">1,196 </div>\n<div class=\"t sb_100\" id=\"t1r_100\" style=\"left:78px;bottom:533px;letter-spacing:0.03px;display:inline;\">Transfers </div><div class=\"t s4_100\" id=\"t1s_100\" style=\"left:548px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1t_100\" style=\"left:643px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1u_100\" style=\"left:738px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1v_100\" style=\"left:821px;bottom:533px;letter-spacing:0.38px;display:inline;\">190 </div><div class=\"t s4_100\" id=\"t1w_100\" style=\"left:929px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1x_100\" style=\"left:1008px;bottom:533px;letter-spacing:0.24px;display:inline;\">(190) </div><div class=\"t s4_100\" id=\"t1y_100\" style=\"left:1119px;bottom:533px;display:inline;\">\u2013 </div>\n<div class=\"t sb_100\" id=\"t1z_100\" style=\"left:78px;bottom:511px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_100\" id=\"t20_100\" style=\"left:548px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t21_100\" style=\"left:643px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t22_100\" style=\"left:738px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t23_100\" style=\"left:833px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t24_100\" style=\"left:929px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t25_100\" style=\"left:1024px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t26_100\" style=\"left:1119px;bottom:511px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t27_100\" style=\"left:78px;bottom:489px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_100\" id=\"t28_100\" style=\"left:524px;bottom:489px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t29_100\" style=\"left:620px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,063 </div><div class=\"t sc_100\" id=\"t2a_100\" style=\"left:725px;bottom:489px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t2b_100\" style=\"left:811px;bottom:489px;letter-spacing:0.27px;display:inline;\">2,678 </div><div class=\"t sc_100\" id=\"t2c_100\" style=\"left:916px;bottom:489px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t2d_100\" style=\"left:1001px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t2e_100\" style=\"left:1097px;bottom:489px;letter-spacing:0.12px;display:inline;\">7,196 </div>\n<div class=\"t sb_100\" id=\"t2f_100\" style=\"left:78px;bottom:467px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sb_100\" id=\"t2g_100\" style=\"left:78px;bottom:444px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t2h_100\" style=\"left:524px;bottom:444px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t2i_100\" style=\"left:630px;bottom:444px;letter-spacing:0.31px;display:inline;\">411 </div><div class=\"t sc_100\" id=\"t2j_100\" style=\"left:726px;bottom:444px;letter-spacing:0.16px;display:inline;\">170 </div><div class=\"t sc_100\" id=\"t2k_100\" style=\"left:810px;bottom:444px;letter-spacing:0.36px;display:inline;\">1,293 </div><div class=\"t sc_100\" id=\"t2l_100\" style=\"left:916px;bottom:444px;letter-spacing:0.42px;display:inline;\">504 </div><div class=\"t s4_100\" id=\"t2m_100\" style=\"left:1024px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2n_100\" style=\"left:1097px;bottom:444px;letter-spacing:0.29px;display:inline;\">4,026 </div>\n<div class=\"t sb_100\" id=\"t2o_100\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_100\" id=\"t2p_100\" style=\"left:548px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2q_100\" style=\"left:630px;bottom:422px;letter-spacing:0.2px;display:inline;\">179 </div><div class=\"t sc_100\" id=\"t2r_100\" style=\"left:732px;bottom:422px;letter-spacing:0.44px;display:inline;\">60 </div><div class=\"t sc_100\" id=\"t2s_100\" style=\"left:821px;bottom:422px;letter-spacing:0.36px;display:inline;\">545 </div><div class=\"t sc_100\" id=\"t2t_100\" style=\"left:929px;bottom:422px;display:inline;\">2 </div><div class=\"t s4_100\" id=\"t2u_100\" style=\"left:1024px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2v_100\" style=\"left:1106px;bottom:422px;letter-spacing:0.32px;display:inline;\">786 </div>\n<div class=\"t sb_100\" id=\"t2w_100\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_100\" id=\"t2x_100\" style=\"left:548px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2y_100\" style=\"left:643px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2z_100\" style=\"left:738px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t30_100\" style=\"left:833px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t31_100\" style=\"left:929px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t32_100\" style=\"left:1024px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t33_100\" style=\"left:1119px;bottom:400px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t34_100\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sd_100\" id=\"t35_100\" style=\"left:524px;bottom:378px;letter-spacing:0.09px;display:inline;\">1,648 </div><div class=\"t s4_100\" id=\"t36_100\" style=\"left:628px;bottom:378px;letter-spacing:0.13px;display:inline;\">590 </div><div class=\"t s4_100\" id=\"t37_100\" style=\"left:724px;bottom:378px;letter-spacing:0.13px;display:inline;\">230 </div><div class=\"t sd_100\" id=\"t38_100\" style=\"left:810px;bottom:378px;letter-spacing:0.11px;display:inline;\">1,838 </div><div class=\"t sd_100\" id=\"t39_100\" style=\"left:914px;bottom:378px;letter-spacing:0.13px;display:inline;\">506 </div><div class=\"t s4_100\" id=\"t3a_100\" style=\"left:1024px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sd_100\" id=\"t3b_100\" style=\"left:1096px;bottom:378px;letter-spacing:0.11px;display:inline;\">4,812 </div>\n<div class=\"t s4_100\" id=\"t3c_100\" style=\"left:78px;bottom:356px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t s4_100\" id=\"t3d_100\" style=\"left:548px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3e_100\" style=\"left:630px;bottom:356px;letter-spacing:0.19px;display:inline;\">473 </div><div class=\"t s4_100\" id=\"t3f_100\" style=\"left:732px;bottom:356px;letter-spacing:0.44px;display:inline;\">68 </div><div class=\"t sc_100\" id=\"t3g_100\" style=\"left:820px;bottom:356px;letter-spacing:0.46px;display:inline;\">840 </div><div class=\"t s4_100\" id=\"t3h_100\" style=\"left:929px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3i_100\" style=\"left:1001px;bottom:356px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t3j_100\" style=\"left:1096px;bottom:356px;letter-spacing:0.43px;display:inline;\">2,384 </div>\n<div class=\"t sb_100\" id=\"t3k_100\" style=\"left:78px;bottom:334px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t se_100\" id=\"t3l_100\" style=\"left:548px;bottom:334px;display:inline;\">\u2013 </div><div class=\"t se_100\" id=\"t3m_100\" style=\"left:630px;bottom:334px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t sf_100\" id=\"t3n_100\" style=\"left:725px;bottom:334px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t sf_100\" id=\"t3o_100\" style=\"left:820px;bottom:334px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t sf_100\" id=\"t3p_100\" style=\"left:929px;bottom:334px;display:inline;\">2 </div><div class=\"t sf_100\" id=\"t3q_100\" style=\"left:1011px;bottom:334px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_100\" id=\"t3r_100\" style=\"left:1097px;bottom:334px;letter-spacing:0.13px;display:inline;\">1,637 </div> \n<div class=\"t sg_100\" id=\"t3s_100\" style=\"left:74px;bottom:295px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">The Pay &amp; Reward customer values and trademark include acquired intangibles relating to Innecto and QCG. This, and the Innecto technologies, is being amortised through the </div>\n<div class=\"t sh_100\" id=\"t3t_100\" style=\"left:74px;bottom:276px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">consolidated income statement over a five-year period. The net carrying values on 31 December 2022 have been assessed for impairment and no impairment was deemed necessary. </div>\n<div class=\"t sh_100\" id=\"t3u_100\" style=\"left:74px;bottom:258px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">The assets were assessed in conjunction with the goodwill value in Note 14. The total value of amortisation relating to acquired intangibles was \u00a3238k (2021: \u00a3205k). </div><div></div><div class=\"t s1_101\" id=\"t1_101\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> | </div><div class=\"t s2_101\" id=\"t2_101\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_101\" id=\"t3_101\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_101\" id=\"t4_101\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_101\" id=\"t5_101\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_101\" id=\"t6_101\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_101\" id=\"t7_101\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_101\" id=\"t8_101\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_101\" id=\"t9_101\" style=\"left:1102px;bottom:878px;letter-spacing:-0.3px;display:inline;\"></div>\n\n\n<div class=\"t sa_101\" id=\"te_101\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_101\" id=\"tf_101\" style=\"left:498px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sb_101\" id=\"tg_101\" style=\"left:523px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sb_101\" id=\"th_101\" style=\"left:521px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"ti_101\" style=\"left:570px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sb_101\" id=\"tj_101\" style=\"left:594px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sb_101\" id=\"tk_101\" style=\"left:594px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sb_101\" id=\"tl_101\" style=\"left:583px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sb_101\" id=\"tm_101\" style=\"left:617px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tn_101\" style=\"left:700px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sb_101\" id=\"to_101\" style=\"left:679px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sb_101\" id=\"tp_101\" style=\"left:712px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tq_101\" style=\"left:782px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_101\" id=\"tr_101\" style=\"left:762px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sb_101\" id=\"ts_101\" style=\"left:763px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sb_101\" id=\"tt_101\" style=\"left:807px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tu_101\" style=\"left:878px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sb_101\" id=\"tv_101\" style=\"left:876px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sb_101\" id=\"tw_101\" style=\"left:878px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sb_101\" id=\"tx_101\" style=\"left:882px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sb_101\" id=\"ty_101\" style=\"left:902px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tz_101\" style=\"left:1008px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sb_101\" id=\"t10_101\" style=\"left:998px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"t11_101\" style=\"left:1097px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_101\" id=\"t12_101\" style=\"left:1093px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_101\" id=\"t13_101\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_101\" id=\"t14_101\" style=\"left:78px;bottom:600px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t15_101\" style=\"left:526px;bottom:600px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t16_101\" style=\"left:632px;bottom:600px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t17_101\" style=\"left:727px;bottom:600px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t18_101\" style=\"left:813px;bottom:600px;letter-spacing:0.26px;display:inline;\">1,520 </div><div class=\"t se_101\" id=\"t19_101\" style=\"left:917px;bottom:600px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t sd_101\" id=\"t1a_101\" style=\"left:1025px;bottom:600px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1b_101\" style=\"left:1099px;bottom:600px;letter-spacing:0.17px;display:inline;\">4,698 </div>\n<div class=\"t sc_101\" id=\"t1c_101\" style=\"left:78px;bottom:577px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t sd_101\" id=\"t1d_101\" style=\"left:549px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1e_101\" style=\"left:644px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1f_101\" style=\"left:740px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1g_101\" style=\"left:822px;bottom:577px;letter-spacing:0.21px;display:inline;\">783 </div><div class=\"t sd_101\" id=\"t1h_101\" style=\"left:930px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1i_101\" style=\"left:1012px;bottom:577px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_101\" id=\"t1j_101\" style=\"left:1108px;bottom:577px;letter-spacing:0.3px;display:inline;\">981 </div>\n<div class=\"t sc_101\" id=\"t1k_101\" style=\"left:78px;bottom:555px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t sd_101\" id=\"t1l_101\" style=\"left:549px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1m_101\" style=\"left:644px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1n_101\" style=\"left:740px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1o_101\" style=\"left:826px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div><div class=\"t sd_101\" id=\"t1p_101\" style=\"left:930px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1q_101\" style=\"left:1025px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1r_101\" style=\"left:1111px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div>\n<div class=\"t sc_101\" id=\"t1s_101\" style=\"left:78px;bottom:533px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t1t_101\" style=\"left:526px;bottom:533px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t1u_101\" style=\"left:632px;bottom:533px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t1v_101\" style=\"left:727px;bottom:533px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t1w_101\" style=\"left:813px;bottom:533px;letter-spacing:0.22px;display:inline;\">2,287 </div><div class=\"t se_101\" id=\"t1x_101\" style=\"left:917px;bottom:533px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t se_101\" id=\"t1y_101\" style=\"left:1012px;bottom:533px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t1z_101\" style=\"left:1099px;bottom:533px;letter-spacing:0.15px;display:inline;\">5,663 </div>\n<div class=\"t sc_101\" id=\"t20_101\" style=\"left:78px;bottom:511px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sc_101\" id=\"t21_101\" style=\"left:78px;bottom:489px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t22_101\" style=\"left:526px;bottom:489px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t23_101\" style=\"left:631px;bottom:489px;letter-spacing:0.34px;display:inline;\">266 </div><div class=\"t se_101\" id=\"t24_101\" style=\"left:727px;bottom:489px;letter-spacing:0.26px;display:inline;\">110 </div><div class=\"t se_101\" id=\"t25_101\" style=\"left:822px;bottom:489px;letter-spacing:0.36px;display:inline;\">923 </div><div class=\"t se_101\" id=\"t26_101\" style=\"left:917px;bottom:489px;letter-spacing:0.28px;display:inline;\">498 </div><div class=\"t sd_101\" id=\"t27_101\" style=\"left:1025px;bottom:489px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t28_101\" style=\"left:1098px;bottom:489px;letter-spacing:0.23px;display:inline;\">3,445 </div>\n<div class=\"t sc_101\" id=\"t29_101\" style=\"left:78px;bottom:467px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t sd_101\" id=\"t2a_101\" style=\"left:549px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2b_101\" style=\"left:632px;bottom:467px;letter-spacing:0.12px;display:inline;\">145 </div><div class=\"t se_101\" id=\"t2c_101\" style=\"left:733px;bottom:467px;letter-spacing:0.46px;display:inline;\">60 </div><div class=\"t sd_101\" id=\"t2d_101\" style=\"left:823px;bottom:467px;letter-spacing:-0.2px;display:inline;\">374 </div><div class=\"t sd_101\" id=\"t2e_101\" style=\"left:930px;bottom:467px;display:inline;\">6 </div><div class=\"t sd_101\" id=\"t2f_101\" style=\"left:1025px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2g_101\" style=\"left:1108px;bottom:467px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sc_101\" id=\"t2h_101\" style=\"left:78px;bottom:444px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t sd_101\" id=\"t2i_101\" style=\"left:549px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2j_101\" style=\"left:644px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2k_101\" style=\"left:740px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2l_101\" style=\"left:832px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div><div class=\"t sd_101\" id=\"t2m_101\" style=\"left:930px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2n_101\" style=\"left:1025px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2o_101\" style=\"left:1118px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div>\n<div class=\"t sc_101\" id=\"t2p_101\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t2q_101\" style=\"left:526px;bottom:422px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t sd_101\" id=\"t2r_101\" style=\"left:632px;bottom:422px;letter-spacing:0.14px;display:inline;\">411 </div><div class=\"t se_101\" id=\"t2s_101\" style=\"left:727px;bottom:422px;letter-spacing:0.01px;display:inline;\">170 </div><div class=\"t se_101\" id=\"t2t_101\" style=\"left:813px;bottom:422px;letter-spacing:0.23px;display:inline;\">1,293 </div><div class=\"t se_101\" id=\"t2u_101\" style=\"left:917px;bottom:422px;letter-spacing:0.47px;display:inline;\">504 </div><div class=\"t sd_101\" id=\"t2v_101\" style=\"left:1025px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t2w_101\" style=\"left:1099px;bottom:422px;letter-spacing:0.2px;display:inline;\">4,026 </div>\n<div class=\"t s4_101\" id=\"t2x_101\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_101\" id=\"t2y_101\" style=\"left:549px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2z_101\" style=\"left:631px;bottom:400px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t se_101\" id=\"t30_101\" style=\"left:727px;bottom:400px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t se_101\" id=\"t31_101\" style=\"left:822px;bottom:400px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t se_101\" id=\"t32_101\" style=\"left:930px;bottom:400px;display:inline;\">2 </div><div class=\"t se_101\" id=\"t33_101\" style=\"left:1012px;bottom:400px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t34_101\" style=\"left:1099px;bottom:400px;letter-spacing:0.13px;display:inline;\">1,637 </div>\n<div class=\"t sc_101\" id=\"t35_101\" style=\"left:78px;bottom:378px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2020 </div><div class=\"t sd_101\" id=\"t36_101\" style=\"left:549px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t37_101\" style=\"left:631px;bottom:378px;letter-spacing:0.43px;display:inline;\">460 </div><div class=\"t sd_101\" id=\"t38_101\" style=\"left:727px;bottom:378px;letter-spacing:0.4px;display:inline;\">188 </div><div class=\"t se_101\" id=\"t39_101\" style=\"left:822px;bottom:378px;letter-spacing:0.28px;display:inline;\">598 </div><div class=\"t sd_101\" id=\"t3a_101\" style=\"left:930px;bottom:378px;display:inline;\">8 </div><div class=\"t sd_101\" id=\"t3b_101\" style=\"left:1025px;bottom:378px;display:inline;\">\u2013 </div>1,254",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f12350": {
   "value": "<div class=\"t s9_100\" id=\"td_100\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_100\" id=\"te_100\" style=\"left:496px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sa_100\" id=\"tf_100\" style=\"left:522px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sa_100\" id=\"tg_100\" style=\"left:520px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"th_100\" style=\"left:569px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sa_100\" id=\"ti_100\" style=\"left:593px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sa_100\" id=\"tj_100\" style=\"left:592px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sa_100\" id=\"tk_100\" style=\"left:582px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sa_100\" id=\"tl_100\" style=\"left:615px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tm_100\" style=\"left:699px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sa_100\" id=\"tn_100\" style=\"left:677px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sa_100\" id=\"to_100\" style=\"left:711px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tp_100\" style=\"left:781px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_100\" id=\"tq_100\" style=\"left:761px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sa_100\" id=\"tr_100\" style=\"left:761px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sa_100\" id=\"ts_100\" style=\"left:806px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"tt_100\" style=\"left:877px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sa_100\" id=\"tu_100\" style=\"left:874px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sa_100\" id=\"tv_100\" style=\"left:877px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sa_100\" id=\"tw_100\" style=\"left:881px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sa_100\" id=\"tx_100\" style=\"left:901px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"ty_100\" style=\"left:1007px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sa_100\" id=\"tz_100\" style=\"left:996px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_100\" id=\"t10_100\" style=\"left:1096px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_100\" id=\"t11_100\" style=\"left:1092px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_100\" id=\"t12_100\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_100\" id=\"t13_100\" style=\"left:78px;bottom:600px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t14_100\" style=\"left:525px;bottom:600px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t15_100\" style=\"left:630px;bottom:600px;letter-spacing:0.28px;display:inline;\">726 </div><div class=\"t sc_100\" id=\"t16_100\" style=\"left:725px;bottom:600px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t17_100\" style=\"left:810px;bottom:600px;letter-spacing:0.37px;display:inline;\">2,287 </div><div class=\"t sc_100\" id=\"t18_100\" style=\"left:916px;bottom:600px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t19_100\" style=\"left:1011px;bottom:600px;letter-spacing:0.34px;display:inline;\">198 </div><div class=\"t sc_100\" id=\"t1a_100\" style=\"left:1097px;bottom:600px;letter-spacing:0.23px;display:inline;\">5,663 </div>\n<div class=\"t sb_100\" id=\"t1b_100\" style=\"left:78px;bottom:577px;letter-spacing:0.08px;display:inline;\">Acquisitions </div><div class=\"t s4_100\" id=\"t1c_100\" style=\"left:548px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1d_100\" style=\"left:630px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div><div class=\"t s4_100\" id=\"t1e_100\" style=\"left:738px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1f_100\" style=\"left:833px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1g_100\" style=\"left:929px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1h_100\" style=\"left:1024px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1i_100\" style=\"left:1107px;bottom:577px;letter-spacing:0.15px;display:inline;\">337 </div>\n<div class=\"t sb_100\" id=\"t1j_100\" style=\"left:78px;bottom:555px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_100\" id=\"t1k_100\" style=\"left:548px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1l_100\" style=\"left:643px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1m_100\" style=\"left:738px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1n_100\" style=\"left:821px;bottom:555px;letter-spacing:0.26px;display:inline;\">201 </div><div class=\"t s4_100\" id=\"t1o_100\" style=\"left:929px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1p_100\" style=\"left:1011px;bottom:555px;letter-spacing:0.32px;display:inline;\">995 </div><div class=\"t sc_100\" id=\"t1q_100\" style=\"left:1096px;bottom:555px;letter-spacing:0.41px;display:inline;\">1,196 </div>\n<div class=\"t sb_100\" id=\"t1r_100\" style=\"left:78px;bottom:533px;letter-spacing:0.03px;display:inline;\">Transfers </div><div class=\"t s4_100\" id=\"t1s_100\" style=\"left:548px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1t_100\" style=\"left:643px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t1u_100\" style=\"left:738px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1v_100\" style=\"left:821px;bottom:533px;letter-spacing:0.38px;display:inline;\">190 </div><div class=\"t s4_100\" id=\"t1w_100\" style=\"left:929px;bottom:533px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t1x_100\" style=\"left:1008px;bottom:533px;letter-spacing:0.24px;display:inline;\">(190) </div><div class=\"t s4_100\" id=\"t1y_100\" style=\"left:1119px;bottom:533px;display:inline;\">\u2013 </div>\n<div class=\"t sb_100\" id=\"t1z_100\" style=\"left:78px;bottom:511px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_100\" id=\"t20_100\" style=\"left:548px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t21_100\" style=\"left:643px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t22_100\" style=\"left:738px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t23_100\" style=\"left:833px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t24_100\" style=\"left:929px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t25_100\" style=\"left:1024px;bottom:511px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t26_100\" style=\"left:1119px;bottom:511px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t27_100\" style=\"left:78px;bottom:489px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_100\" id=\"t28_100\" style=\"left:524px;bottom:489px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t29_100\" style=\"left:620px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,063 </div><div class=\"t sc_100\" id=\"t2a_100\" style=\"left:725px;bottom:489px;letter-spacing:0.34px;display:inline;\">298 </div><div class=\"t sc_100\" id=\"t2b_100\" style=\"left:811px;bottom:489px;letter-spacing:0.27px;display:inline;\">2,678 </div><div class=\"t sc_100\" id=\"t2c_100\" style=\"left:916px;bottom:489px;letter-spacing:0.39px;display:inline;\">506 </div><div class=\"t sc_100\" id=\"t2d_100\" style=\"left:1001px;bottom:489px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t2e_100\" style=\"left:1097px;bottom:489px;letter-spacing:0.12px;display:inline;\">7,196 </div>\n<div class=\"t sb_100\" id=\"t2f_100\" style=\"left:78px;bottom:467px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sb_100\" id=\"t2g_100\" style=\"left:78px;bottom:444px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_100\" id=\"t2h_100\" style=\"left:524px;bottom:444px;letter-spacing:0.4px;display:inline;\">1,648 </div><div class=\"t sc_100\" id=\"t2i_100\" style=\"left:630px;bottom:444px;letter-spacing:0.31px;display:inline;\">411 </div><div class=\"t sc_100\" id=\"t2j_100\" style=\"left:726px;bottom:444px;letter-spacing:0.16px;display:inline;\">170 </div><div class=\"t sc_100\" id=\"t2k_100\" style=\"left:810px;bottom:444px;letter-spacing:0.36px;display:inline;\">1,293 </div><div class=\"t sc_100\" id=\"t2l_100\" style=\"left:916px;bottom:444px;letter-spacing:0.42px;display:inline;\">504 </div><div class=\"t s4_100\" id=\"t2m_100\" style=\"left:1024px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2n_100\" style=\"left:1097px;bottom:444px;letter-spacing:0.29px;display:inline;\">4,026 </div>\n<div class=\"t sb_100\" id=\"t2o_100\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_100\" id=\"t2p_100\" style=\"left:548px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t2q_100\" style=\"left:630px;bottom:422px;letter-spacing:0.2px;display:inline;\">179 </div><div class=\"t sc_100\" id=\"t2r_100\" style=\"left:732px;bottom:422px;letter-spacing:0.44px;display:inline;\">60 </div><div class=\"t sc_100\" id=\"t2s_100\" style=\"left:821px;bottom:422px;letter-spacing:0.36px;display:inline;\">545 </div><div class=\"t sc_100\" id=\"t2t_100\" style=\"left:929px;bottom:422px;display:inline;\">2 </div><div class=\"t s4_100\" id=\"t2u_100\" style=\"left:1024px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2v_100\" style=\"left:1106px;bottom:422px;letter-spacing:0.32px;display:inline;\">786 </div>\n<div class=\"t sb_100\" id=\"t2w_100\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_100\" id=\"t2x_100\" style=\"left:548px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2y_100\" style=\"left:643px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t2z_100\" style=\"left:738px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t30_100\" style=\"left:833px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t31_100\" style=\"left:929px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t32_100\" style=\"left:1024px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_100\" id=\"t33_100\" style=\"left:1119px;bottom:400px;display:inline;\">\u2013 </div>\n<div class=\"t s4_100\" id=\"t34_100\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sd_100\" id=\"t35_100\" style=\"left:524px;bottom:378px;letter-spacing:0.09px;display:inline;\">1,648 </div><div class=\"t s4_100\" id=\"t36_100\" style=\"left:628px;bottom:378px;letter-spacing:0.13px;display:inline;\">590 </div><div class=\"t s4_100\" id=\"t37_100\" style=\"left:724px;bottom:378px;letter-spacing:0.13px;display:inline;\">230 </div><div class=\"t sd_100\" id=\"t38_100\" style=\"left:810px;bottom:378px;letter-spacing:0.11px;display:inline;\">1,838 </div><div class=\"t sd_100\" id=\"t39_100\" style=\"left:914px;bottom:378px;letter-spacing:0.13px;display:inline;\">506 </div><div class=\"t s4_100\" id=\"t3a_100\" style=\"left:1024px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sd_100\" id=\"t3b_100\" style=\"left:1096px;bottom:378px;letter-spacing:0.11px;display:inline;\">4,812 </div>\n<div class=\"t s4_100\" id=\"t3c_100\" style=\"left:78px;bottom:356px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t s4_100\" id=\"t3d_100\" style=\"left:548px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3e_100\" style=\"left:630px;bottom:356px;letter-spacing:0.19px;display:inline;\">473 </div><div class=\"t s4_100\" id=\"t3f_100\" style=\"left:732px;bottom:356px;letter-spacing:0.44px;display:inline;\">68 </div><div class=\"t sc_100\" id=\"t3g_100\" style=\"left:820px;bottom:356px;letter-spacing:0.46px;display:inline;\">840 </div><div class=\"t s4_100\" id=\"t3h_100\" style=\"left:929px;bottom:356px;display:inline;\">\u2013 </div><div class=\"t sc_100\" id=\"t3i_100\" style=\"left:1001px;bottom:356px;letter-spacing:0.36px;display:inline;\">1,003 </div><div class=\"t sc_100\" id=\"t3j_100\" style=\"left:1096px;bottom:356px;letter-spacing:0.43px;display:inline;\">2,384 </div>\n<div class=\"t sb_100\" id=\"t3k_100\" style=\"left:78px;bottom:334px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t se_100\" id=\"t3l_100\" style=\"left:548px;bottom:334px;display:inline;\">\u2013 </div><div class=\"t se_100\" id=\"t3m_100\" style=\"left:630px;bottom:334px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t sf_100\" id=\"t3n_100\" style=\"left:725px;bottom:334px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t sf_100\" id=\"t3o_100\" style=\"left:820px;bottom:334px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t sf_100\" id=\"t3p_100\" style=\"left:929px;bottom:334px;display:inline;\">2 </div><div class=\"t sf_100\" id=\"t3q_100\" style=\"left:1011px;bottom:334px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_100\" id=\"t3r_100\" style=\"left:1097px;bottom:334px;letter-spacing:0.13px;display:inline;\">1,637 </div><div class=\"t sa_101\" id=\"te_101\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_101\" id=\"tf_101\" style=\"left:498px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Customer </div>\n<div class=\"t sb_101\" id=\"tg_101\" style=\"left:523px;bottom:660px;letter-spacing:-0.04px;display:inline;\">value </div>\n<div class=\"t sb_101\" id=\"th_101\" style=\"left:521px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"ti_101\" style=\"left:570px;bottom:708px;letter-spacing:-0.1px;word-spacing:0.1px;display:inline;\">Pay &amp; Reward </div>\n<div class=\"t sb_101\" id=\"tj_101\" style=\"left:594px;bottom:692px;letter-spacing:-0.01px;display:inline;\">customer </div>\n<div class=\"t sb_101\" id=\"tk_101\" style=\"left:594px;bottom:676px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">value and </div>\n<div class=\"t sb_101\" id=\"tl_101\" style=\"left:583px;bottom:660px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">trade name </div>\n<div class=\"t sb_101\" id=\"tm_101\" style=\"left:617px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tn_101\" style=\"left:700px;bottom:676px;letter-spacing:-0.01px;display:inline;\">Innecto </div>\n<div class=\"t sb_101\" id=\"to_101\" style=\"left:679px;bottom:660px;letter-spacing:-0.01px;display:inline;\">technology </div>\n<div class=\"t sb_101\" id=\"tp_101\" style=\"left:712px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tq_101\" style=\"left:782px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_101\" id=\"tr_101\" style=\"left:762px;bottom:676px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">software and </div>\n<div class=\"t sb_101\" id=\"ts_101\" style=\"left:763px;bottom:660px;letter-spacing:-0.03px;display:inline;\">development </div>\n<div class=\"t sb_101\" id=\"tt_101\" style=\"left:807px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tu_101\" style=\"left:878px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Internally </div>\n<div class=\"t sb_101\" id=\"tv_101\" style=\"left:876px;bottom:692px;letter-spacing:-0.02px;display:inline;\">generated </div>\n<div class=\"t sb_101\" id=\"tw_101\" style=\"left:878px;bottom:676px;letter-spacing:-0.02px;display:inline;\">computer </div>\n<div class=\"t sb_101\" id=\"tx_101\" style=\"left:882px;bottom:660px;letter-spacing:-0.04px;display:inline;\">software </div>\n<div class=\"t sb_101\" id=\"ty_101\" style=\"left:902px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"tz_101\" style=\"left:1008px;bottom:660px;letter-spacing:-0.01px;display:inline;\">WIP </div>\n<div class=\"t sb_101\" id=\"t10_101\" style=\"left:998px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_101\" id=\"t11_101\" style=\"left:1097px;bottom:660px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_101\" id=\"t12_101\" style=\"left:1093px;bottom:644px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_101\" id=\"t13_101\" style=\"left:78px;bottom:622px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_101\" id=\"t14_101\" style=\"left:78px;bottom:600px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t15_101\" style=\"left:526px;bottom:600px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t16_101\" style=\"left:632px;bottom:600px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t17_101\" style=\"left:727px;bottom:600px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t18_101\" style=\"left:813px;bottom:600px;letter-spacing:0.26px;display:inline;\">1,520 </div><div class=\"t se_101\" id=\"t19_101\" style=\"left:917px;bottom:600px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t sd_101\" id=\"t1a_101\" style=\"left:1025px;bottom:600px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1b_101\" style=\"left:1099px;bottom:600px;letter-spacing:0.17px;display:inline;\">4,698 </div>\n<div class=\"t sc_101\" id=\"t1c_101\" style=\"left:78px;bottom:577px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t sd_101\" id=\"t1d_101\" style=\"left:549px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1e_101\" style=\"left:644px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1f_101\" style=\"left:740px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1g_101\" style=\"left:822px;bottom:577px;letter-spacing:0.21px;display:inline;\">783 </div><div class=\"t sd_101\" id=\"t1h_101\" style=\"left:930px;bottom:577px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t1i_101\" style=\"left:1012px;bottom:577px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t se_101\" id=\"t1j_101\" style=\"left:1108px;bottom:577px;letter-spacing:0.3px;display:inline;\">981 </div>\n<div class=\"t sc_101\" id=\"t1k_101\" style=\"left:78px;bottom:555px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t sd_101\" id=\"t1l_101\" style=\"left:549px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1m_101\" style=\"left:644px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1n_101\" style=\"left:740px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1o_101\" style=\"left:826px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div><div class=\"t sd_101\" id=\"t1p_101\" style=\"left:930px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1q_101\" style=\"left:1025px;bottom:555px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t1r_101\" style=\"left:1111px;bottom:555px;letter-spacing:0.09px;display:inline;\">(16) </div>\n<div class=\"t sc_101\" id=\"t1s_101\" style=\"left:78px;bottom:533px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t1t_101\" style=\"left:526px;bottom:533px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t1u_101\" style=\"left:632px;bottom:533px;letter-spacing:0.22px;display:inline;\">726 </div><div class=\"t se_101\" id=\"t1v_101\" style=\"left:727px;bottom:533px;letter-spacing:0.36px;display:inline;\">298 </div><div class=\"t se_101\" id=\"t1w_101\" style=\"left:813px;bottom:533px;letter-spacing:0.22px;display:inline;\">2,287 </div><div class=\"t se_101\" id=\"t1x_101\" style=\"left:917px;bottom:533px;letter-spacing:0.44px;display:inline;\">506 </div><div class=\"t se_101\" id=\"t1y_101\" style=\"left:1012px;bottom:533px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t1z_101\" style=\"left:1099px;bottom:533px;letter-spacing:0.15px;display:inline;\">5,663 </div>\n<div class=\"t sc_101\" id=\"t20_101\" style=\"left:78px;bottom:511px;letter-spacing:0.1px;display:inline;\">Amortisation </div>\n<div class=\"t sc_101\" id=\"t21_101\" style=\"left:78px;bottom:489px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_101\" id=\"t22_101\" style=\"left:526px;bottom:489px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t se_101\" id=\"t23_101\" style=\"left:631px;bottom:489px;letter-spacing:0.34px;display:inline;\">266 </div><div class=\"t se_101\" id=\"t24_101\" style=\"left:727px;bottom:489px;letter-spacing:0.26px;display:inline;\">110 </div><div class=\"t se_101\" id=\"t25_101\" style=\"left:822px;bottom:489px;letter-spacing:0.36px;display:inline;\">923 </div><div class=\"t se_101\" id=\"t26_101\" style=\"left:917px;bottom:489px;letter-spacing:0.28px;display:inline;\">498 </div><div class=\"t sd_101\" id=\"t27_101\" style=\"left:1025px;bottom:489px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t28_101\" style=\"left:1098px;bottom:489px;letter-spacing:0.23px;display:inline;\">3,445 </div>\n<div class=\"t sc_101\" id=\"t29_101\" style=\"left:78px;bottom:467px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t sd_101\" id=\"t2a_101\" style=\"left:549px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2b_101\" style=\"left:632px;bottom:467px;letter-spacing:0.12px;display:inline;\">145 </div><div class=\"t se_101\" id=\"t2c_101\" style=\"left:733px;bottom:467px;letter-spacing:0.46px;display:inline;\">60 </div><div class=\"t sd_101\" id=\"t2d_101\" style=\"left:823px;bottom:467px;letter-spacing:-0.2px;display:inline;\">374 </div><div class=\"t sd_101\" id=\"t2e_101\" style=\"left:930px;bottom:467px;display:inline;\">6 </div><div class=\"t sd_101\" id=\"t2f_101\" style=\"left:1025px;bottom:467px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2g_101\" style=\"left:1108px;bottom:467px;letter-spacing:0.35px;display:inline;\">585 </div>\n<div class=\"t sc_101\" id=\"t2h_101\" style=\"left:78px;bottom:444px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t sd_101\" id=\"t2i_101\" style=\"left:549px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2j_101\" style=\"left:644px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2k_101\" style=\"left:740px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2l_101\" style=\"left:832px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div><div class=\"t sd_101\" id=\"t2m_101\" style=\"left:930px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2n_101\" style=\"left:1025px;bottom:444px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2o_101\" style=\"left:1118px;bottom:444px;letter-spacing:0.01px;display:inline;\">(4) </div>\n<div class=\"t sc_101\" id=\"t2p_101\" style=\"left:78px;bottom:422px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_101\" id=\"t2q_101\" style=\"left:526px;bottom:422px;letter-spacing:0.32px;display:inline;\">1,648 </div><div class=\"t sd_101\" id=\"t2r_101\" style=\"left:632px;bottom:422px;letter-spacing:0.14px;display:inline;\">411 </div><div class=\"t se_101\" id=\"t2s_101\" style=\"left:727px;bottom:422px;letter-spacing:0.01px;display:inline;\">170 </div><div class=\"t se_101\" id=\"t2t_101\" style=\"left:813px;bottom:422px;letter-spacing:0.23px;display:inline;\">1,293 </div><div class=\"t se_101\" id=\"t2u_101\" style=\"left:917px;bottom:422px;letter-spacing:0.47px;display:inline;\">504 </div><div class=\"t sd_101\" id=\"t2v_101\" style=\"left:1025px;bottom:422px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t2w_101\" style=\"left:1099px;bottom:422px;letter-spacing:0.2px;display:inline;\">4,026 </div>\n<div class=\"t s4_101\" id=\"t2x_101\" style=\"left:78px;bottom:400px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_101\" id=\"t2y_101\" style=\"left:549px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sd_101\" id=\"t2z_101\" style=\"left:631px;bottom:400px;letter-spacing:0.31px;display:inline;\">315 </div><div class=\"t se_101\" id=\"t30_101\" style=\"left:727px;bottom:400px;letter-spacing:0.33px;display:inline;\">128 </div><div class=\"t se_101\" id=\"t31_101\" style=\"left:822px;bottom:400px;letter-spacing:0.45px;display:inline;\">994 </div><div class=\"t se_101\" id=\"t32_101\" style=\"left:930px;bottom:400px;display:inline;\">2 </div><div class=\"t se_101\" id=\"t33_101\" style=\"left:1012px;bottom:400px;letter-spacing:0.39px;display:inline;\">198 </div><div class=\"t sd_101\" id=\"t34_101\" style=\"left:1099px;bottom:400px;letter-spacing:0.13px;display:inline;\">1,637 </div>\n<div class=\"t sc_101\" id=\"t35_101\" style=\"left:78px;bottom:378px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2020 </div><div class=\"t sd_101\" id=\"t36_101\" style=\"left:549px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t se_101\" id=\"t37_101\" style=\"left:631px;bottom:378px;letter-spacing:0.43px;display:inline;\">460 </div><div class=\"t sd_101\" id=\"t38_101\" style=\"left:727px;bottom:378px;letter-spacing:0.4px;display:inline;\">188 </div><div class=\"t se_101\" id=\"t39_101\" style=\"left:822px;bottom:378px;letter-spacing:0.28px;display:inline;\">598 </div><div class=\"t sd_101\" id=\"t3a_101\" style=\"left:930px;bottom:378px;display:inline;\">8 </div><div class=\"t sd_101\" id=\"t3b_101\" style=\"left:1025px;bottom:378px;display:inline;\">\u2013 </div>1,254 <div class=\"t s9_102\" id=\"td_102\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_102\" id=\"te_102\" style=\"left:473px;bottom:692px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Freehold land </div>\n<div class=\"t sa_102\" id=\"tf_102\" style=\"left:471px;bottom:676px;letter-spacing:-0.27px;word-spacing:0.01px;display:inline;\">and properties </div>\n<div class=\"t sa_102\" id=\"tg_102\" style=\"left:520px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"th_102\" style=\"left:613px;bottom:692px;letter-spacing:-0.03px;display:inline;\">Motor </div>\n<div class=\"t sa_102\" id=\"ti_102\" style=\"left:601px;bottom:676px;letter-spacing:-0.03px;display:inline;\">vehicles </div>\n<div class=\"t sa_102\" id=\"tj_102\" style=\"left:615px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tk_102\" style=\"left:685px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_102\" id=\"tl_102\" style=\"left:680px;bottom:676px;letter-spacing:-0.01px;display:inline;\">equipment </div>\n<div class=\"t sa_102\" id=\"tm_102\" style=\"left:711px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tn_102\" style=\"left:783px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Furniture </div>\n<div class=\"t sa_102\" id=\"to_102\" style=\"left:781px;bottom:692px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">fixtures &amp; </div>\n<div class=\"t sa_102\" id=\"tp_102\" style=\"left:795px;bottom:676px;letter-spacing:-0.01px;display:inline;\">fittings </div>\n<div class=\"t sa_102\" id=\"tq_102\" style=\"left:806px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tr_102\" style=\"left:903px;bottom:692px;letter-spacing:-0.14px;display:inline;\">Lease </div>\n<div class=\"t sa_102\" id=\"ts_102\" style=\"left:850px;bottom:676px;letter-spacing:-0.17px;display:inline;\">improvements </div>\n<div class=\"t sa_102\" id=\"tt_102\" style=\"left:902px;bottom:660px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tu_102\" style=\"left:960px;bottom:692px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Right of use </div>\n<div class=\"t sa_102\" id=\"tv_102\" style=\"left:994px;bottom:676px;letter-spacing:-0.01px;display:inline;\">assets </div>\n<div class=\"t sa_102\" id=\"tw_102\" style=\"left:996px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tx_102\" style=\"left:1096px;bottom:676px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_102\" id=\"ty_102\" style=\"left:1092px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_102\" id=\"tz_102\" style=\"left:78px;bottom:638px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_102\" id=\"t10_102\" style=\"left:78px;bottom:616px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_102\" id=\"t11_102\" style=\"left:525px;bottom:616px;letter-spacing:0.18px;display:inline;\">5,037 </div><div class=\"t sc_102\" id=\"t12_102\" style=\"left:630px;bottom:616px;letter-spacing:0.32px;display:inline;\">157 </div><div class=\"t sc_102\" id=\"t13_102\" style=\"left:715px;bottom:616px;letter-spacing:0.41px;display:inline;\">1,112 </div><div class=\"t sc_102\" id=\"t14_102\" style=\"left:811px;bottom:616px;letter-spacing:0.34px;display:inline;\">2,310 </div><div class=\"t sc_102\" id=\"t15_102\" style=\"left:922px;bottom:616px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t16_102\" style=\"left:1001px;bottom:616px;letter-spacing:0.44px;display:inline;\">1,204 </div><div class=\"t s4_102\" id=\"t17_102\" style=\"left:1097px;bottom:616px;letter-spacing:0.25px;display:inline;\">9,858 </div>\n<div class=\"t sb_102\" id=\"t18_102\" style=\"left:78px;bottom:593px;letter-spacing:0.08px;display:inline;\">Acquisition </div><div class=\"t s4_102\" id=\"t19_102\" style=\"left:548px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1a_102\" style=\"left:643px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1b_102\" style=\"left:739px;bottom:593px;display:inline;\">7 </div><div class=\"t s4_102\" id=\"t1c_102\" style=\"left:833px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1d_102\" style=\"left:929px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1e_102\" style=\"left:1024px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1f_102\" style=\"left:1120px;bottom:593px;display:inline;\">7 </div>\n<div class=\"t sb_102\" id=\"t1g_102\" style=\"left:78px;bottom:571px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_102\" id=\"t1h_102\" style=\"left:548px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1i_102\" style=\"left:643px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1j_102\" style=\"left:725px;bottom:571px;letter-spacing:0.34px;display:inline;\">324 </div><div class=\"t s4_102\" id=\"t1k_102\" style=\"left:834px;bottom:571px;display:inline;\">8 </div><div class=\"t s4_102\" id=\"t1l_102\" style=\"left:929px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1m_102\" style=\"left:1011px;bottom:571px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t sc_102\" id=\"t1n_102\" style=\"left:1107px;bottom:571px;letter-spacing:0.23px;display:inline;\">703 </div>\n<div class=\"t sb_102\" id=\"t1o_102\" style=\"left:78px;bottom:549px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_102\" id=\"t1p_102\" style=\"left:548px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1q_102\" style=\"left:643px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1r_102\" style=\"left:738px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1s_102\" style=\"left:833px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1t_102\" style=\"left:929px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1u_102\" style=\"left:1008px;bottom:549px;letter-spacing:0.19px;display:inline;\">(436) </div><div class=\"t sc_102\" id=\"t1v_102\" style=\"left:1103px;bottom:549px;letter-spacing:0.19px;display:inline;\">(436) </div>\n<div class=\"t s4_102\" id=\"t1w_102\" style=\"left:78px;bottom:527px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_102\" id=\"t1x_102\" style=\"left:525px;bottom:527px;letter-spacing:0.18px;display:inline;\">5,037 </div><div class=\"t sc_102\" id=\"t1y_102\" style=\"left:630px;bottom:527px;letter-spacing:0.32px;display:inline;\">157 </div><div class=\"t sc_102\" id=\"t1z_102\" style=\"left:715px;bottom:527px;letter-spacing:0.42px;display:inline;\">1,443 </div><div class=\"t sc_102\" id=\"t20_102\" style=\"left:810px;bottom:527px;letter-spacing:0.37px;display:inline;\">2,318 </div><div class=\"t sc_102\" id=\"t21_102\" style=\"left:922px;bottom:527px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t22_102\" style=\"left:1001px;bottom:527px;letter-spacing:0.4px;display:inline;\">1,139 </div><div class=\"t sc_102\" id=\"t23_102\" style=\"left:1090px;bottom:527px;letter-spacing:0.3px;display:inline;\">10,132 </div>\n<div class=\"t sb_102\" id=\"t24_102\" style=\"left:78px;bottom:505px;letter-spacing:0.09px;display:inline;\">Depreciation </div>\n<div class=\"t sb_102\" id=\"t25_102\" style=\"left:78px;bottom:483px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_102\" id=\"t26_102\" style=\"left:525px;bottom:483px;letter-spacing:0.39px;display:inline;\">1,828 </div><div class=\"t sc_102\" id=\"t27_102\" style=\"left:630px;bottom:483px;letter-spacing:0.36px;display:inline;\">125 </div><div class=\"t sc_102\" id=\"t28_102\" style=\"left:725px;bottom:483px;letter-spacing:0.32px;display:inline;\">786 </div><div class=\"t sc_102\" id=\"t29_102\" style=\"left:810px;bottom:483px;letter-spacing:0.36px;display:inline;\">1,265 </div><div class=\"t sc_102\" id=\"t2a_102\" style=\"left:923px;bottom:483px;letter-spacing:0.16px;display:inline;\">37 </div><div class=\"t s4_102\" id=\"t2b_102\" style=\"left:1011px;bottom:483px;letter-spacing:0.39px;display:inline;\">784 </div><div class=\"t sc_102\" id=\"t2c_102\" style=\"left:1096px;bottom:483px;letter-spacing:0.33px;display:inline;\">4,825 </div>\n<div class=\"t sb_102\" id=\"t2d_102\" style=\"left:78px;bottom:461px;letter-spacing:0.08px;display:inline;\">Acquisition </div><div class=\"t s4_102\" id=\"t2e_102\" style=\"left:548px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2f_102\" style=\"left:643px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2g_102\" style=\"left:738px;bottom:461px;display:inline;\">2 </div><div class=\"t s4_102\" id=\"t2h_102\" style=\"left:833px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2i_102\" style=\"left:929px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2j_102\" style=\"left:1024px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2k_102\" style=\"left:1120px;bottom:461px;display:inline;\">2 </div>\n<div class=\"t sb_102\" id=\"t2l_102\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_102\" id=\"t2m_102\" style=\"left:541px;bottom:438px;letter-spacing:0.44px;display:inline;\">88 </div><div class=\"t s4_102\" id=\"t2n_102\" style=\"left:643px;bottom:438px;display:inline;\">9 </div><div class=\"t sc_102\" id=\"t2o_102\" style=\"left:726px;bottom:438px;letter-spacing:0.22px;display:inline;\">270 </div><div class=\"t sc_102\" id=\"t2p_102\" style=\"left:821px;bottom:438px;letter-spacing:0.37px;display:inline;\">209 </div><div class=\"t sc_102\" id=\"t2q_102\" style=\"left:929px;bottom:438px;display:inline;\">1 </div><div class=\"t s4_102\" id=\"t2r_102\" style=\"left:1012px;bottom:438px;letter-spacing:0.05px;display:inline;\">475 </div><div class=\"t sc_102\" id=\"t2s_102\" style=\"left:1097px;bottom:438px;letter-spacing:0.29px;display:inline;\">1,052 </div>\n<div class=\"t sb_102\" id=\"t2t_102\" style=\"left:78px;bottom:416px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_102\" id=\"t2u_102\" style=\"left:548px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2v_102\" style=\"left:643px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2w_102\" style=\"left:738px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2x_102\" style=\"left:833px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2y_102\" style=\"left:929px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2z_102\" style=\"left:1007px;bottom:416px;letter-spacing:0.33px;display:inline;\">(386) </div><div class=\"t sc_102\" id=\"t30_102\" style=\"left:1102px;bottom:416px;letter-spacing:0.33px;display:inline;\">(386) </div>\n<div class=\"t s4_102\" id=\"t31_102\" style=\"left:78px;bottom:394px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_102\" id=\"t32_102\" style=\"left:525px;bottom:394px;letter-spacing:0.31px;display:inline;\">1,916 </div><div class=\"t sc_102\" id=\"t33_102\" style=\"left:630px;bottom:394px;letter-spacing:0.43px;display:inline;\">134 </div><div class=\"t sc_102\" id=\"t34_102\" style=\"left:715px;bottom:394px;letter-spacing:0.34px;display:inline;\">1,058 </div><div class=\"t sc_102\" id=\"t35_102\" style=\"left:811px;bottom:394px;letter-spacing:0.17px;display:inline;\">1,474 </div><div class=\"t sc_102\" id=\"t36_102\" style=\"left:922px;bottom:394px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t37_102\" style=\"left:1011px;bottom:394px;letter-spacing:0.32px;display:inline;\">873 </div><div class=\"t sc_102\" id=\"t38_102\" style=\"left:1097px;bottom:394px;letter-spacing:0.23px;display:inline;\">5,493 </div>\n<div class=\"t s4_102\" id=\"t39_102\" style=\"left:78px;bottom:372px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t sc_102\" id=\"t3a_102\" style=\"left:525px;bottom:372px;letter-spacing:0.3px;display:inline;\">3,121 </div><div class=\"t sc_102\" id=\"t3b_102\" style=\"left:637px;bottom:372px;letter-spacing:0.34px;display:inline;\">23 </div><div class=\"t sc_102\" id=\"t3c_102\" style=\"left:725px;bottom:372px;letter-spacing:0.31px;display:inline;\">385 </div><div class=\"t s4_102\" id=\"t3d_102\" style=\"left:820px;bottom:372px;letter-spacing:0.5px;display:inline;\">844 </div><div class=\"t s4_102\" id=\"t3e_102\" style=\"left:929px;bottom:372px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t3f_102\" style=\"left:1011px;bottom:372px;letter-spacing:0.33px;display:inline;\">266 </div><div class=\"t sc_102\" id=\"t3g_102\" style=\"left:1097px;bottom:372px;letter-spacing:0.24px;display:inline;\">4,639 </div>\n<div class=\"t sb_102\" id=\"t3h_102\" style=\"left:78px;bottom:350px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_102\" id=\"t3i_102\" style=\"left:525px;bottom:350px;letter-spacing:0.27px;display:inline;\">3,209 </div><div class=\"t sd_102\" id=\"t3j_102\" style=\"left:637px;bottom:350px;letter-spacing:0.24px;display:inline;\">32 </div><div class=\"t sd_102\" id=\"t3k_102\" style=\"left:725px;bottom:350px;letter-spacing:0.25px;display:inline;\">326 </div><div class=\"t sd_102\" id=\"t3l_102\" style=\"left:811px;bottom:350px;letter-spacing:0.25px;display:inline;\">1,045 </div><div class=\"t sd_102\" id=\"t3m_102\" style=\"left:929px;bottom:350px;display:inline;\">1 </div><div class=\"t sd_102\" id=\"t3n_102\" style=\"left:1011px;bottom:350px;letter-spacing:0.17px;display:inline;\">420 </div><div class=\"t sd_102\" id=\"t3o_102\" style=\"left:1098px;bottom:350px;letter-spacing:0.07px;display:inline;\">5,033 </div><div class=\"t sa_103\" id=\"te_103\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_103\" id=\"tf_103\" style=\"left:473px;bottom:692px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Freehold land </div>\n<div class=\"t sb_103\" id=\"tg_103\" style=\"left:468px;bottom:676px;letter-spacing:-0.01px;word-spacing:-0.38px;display:inline;\">and properties </div>\n<div class=\"t sb_103\" id=\"th_103\" style=\"left:520px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ti_103\" style=\"left:613px;bottom:692px;letter-spacing:-0.03px;display:inline;\">Motor </div>\n<div class=\"t sb_103\" id=\"tj_103\" style=\"left:601px;bottom:676px;letter-spacing:-0.03px;display:inline;\">vehicles </div>\n<div class=\"t sb_103\" id=\"tk_103\" style=\"left:615px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"tl_103\" style=\"left:685px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_103\" id=\"tm_103\" style=\"left:680px;bottom:676px;letter-spacing:-0.01px;display:inline;\">equipment </div>\n<div class=\"t sb_103\" id=\"tn_103\" style=\"left:711px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"to_103\" style=\"left:783px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Furniture </div>\n<div class=\"t sb_103\" id=\"tp_103\" style=\"left:781px;bottom:692px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">fixtures &amp; </div>\n<div class=\"t sb_103\" id=\"tq_103\" style=\"left:795px;bottom:676px;letter-spacing:-0.01px;display:inline;\">fittings </div>\n<div class=\"t sb_103\" id=\"tr_103\" style=\"left:806px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ts_103\" style=\"left:903px;bottom:692px;letter-spacing:-0.14px;display:inline;\">Lease </div>\n<div class=\"t sb_103\" id=\"tt_103\" style=\"left:850px;bottom:676px;letter-spacing:-0.17px;display:inline;\">improvements </div>\n<div class=\"t sb_103\" id=\"tu_103\" style=\"left:902px;bottom:660px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"tv_103\" style=\"left:960px;bottom:692px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Right of use </div>\n<div class=\"t sb_103\" id=\"tw_103\" style=\"left:994px;bottom:676px;letter-spacing:-0.01px;display:inline;\">assets </div>\n<div class=\"t sb_103\" id=\"tx_103\" style=\"left:996px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ty_103\" style=\"left:1096px;bottom:676px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_103\" id=\"tz_103\" style=\"left:1092px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_103\" id=\"t10_103\" style=\"left:78px;bottom:638px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_103\" id=\"t11_103\" style=\"left:78px;bottom:616px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_103\" id=\"t12_103\" style=\"left:526px;bottom:616px;letter-spacing:0.04px;display:inline;\">5,037 </div><div class=\"t sd_103\" id=\"t13_103\" style=\"left:630px;bottom:616px;letter-spacing:0.35px;display:inline;\">157 </div><div class=\"t sd_103\" id=\"t14_103\" style=\"left:716px;bottom:616px;letter-spacing:0.27px;display:inline;\">1,085 </div><div class=\"t sd_103\" id=\"t15_103\" style=\"left:811px;bottom:616px;letter-spacing:0.24px;display:inline;\">2,303 </div><div class=\"t se_103\" id=\"t16_103\" style=\"left:922px;bottom:616px;letter-spacing:0.4px;display:inline;\">38 </div><div class=\"t sd_103\" id=\"t17_103\" style=\"left:1002px;bottom:616px;letter-spacing:0.2px;display:inline;\">1,459 </div><div class=\"t sd_103\" id=\"t18_103\" style=\"left:1091px;bottom:616px;letter-spacing:0.08px;display:inline;\">10,079 </div>\n<div class=\"t sc_103\" id=\"t19_103\" style=\"left:78px;bottom:593px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t se_103\" id=\"t1a_103\" style=\"left:548px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t1b_103\" style=\"left:643px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1c_103\" style=\"left:725px;bottom:593px;letter-spacing:0.39px;display:inline;\">209 </div><div class=\"t sd_103\" id=\"t1d_103\" style=\"left:828px;bottom:593px;letter-spacing:0.05px;display:inline;\">27 </div><div class=\"t se_103\" id=\"t1e_103\" style=\"left:929px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1f_103\" style=\"left:1011px;bottom:593px;letter-spacing:0.2px;display:inline;\">307 </div><div class=\"t se_103\" id=\"t1g_103\" style=\"left:1107px;bottom:593px;letter-spacing:0.28px;display:inline;\">543 </div>\n<div class=\"t sc_103\" id=\"t1h_103\" style=\"left:78px;bottom:571px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t se_103\" id=\"t1i_103\" style=\"left:548px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t1j_103\" style=\"left:643px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1k_103\" style=\"left:722px;bottom:571px;letter-spacing:0.16px;display:inline;\">(182) </div><div class=\"t sd_103\" id=\"t1l_103\" style=\"left:824px;bottom:571px;letter-spacing:0.14px;display:inline;\">(20) </div><div class=\"t se_103\" id=\"t1m_103\" style=\"left:929px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1n_103\" style=\"left:1008px;bottom:571px;letter-spacing:0.15px;display:inline;\">(562) </div><div class=\"t se_103\" id=\"t1o_103\" style=\"left:1103px;bottom:571px;letter-spacing:0.24px;display:inline;\">(764) </div>\n<div class=\"t s4_103\" id=\"t1p_103\" style=\"left:78px;bottom:549px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_103\" id=\"t1q_103\" style=\"left:526px;bottom:549px;letter-spacing:0.04px;display:inline;\">5,037 </div><div class=\"t sd_103\" id=\"t1r_103\" style=\"left:630px;bottom:549px;letter-spacing:0.35px;display:inline;\">157 </div><div class=\"t sd_103\" id=\"t1s_103\" style=\"left:716px;bottom:549px;letter-spacing:0.31px;display:inline;\">1,112 </div><div class=\"t sd_103\" id=\"t1t_103\" style=\"left:811px;bottom:549px;letter-spacing:0.2px;display:inline;\">2,310 </div><div class=\"t se_103\" id=\"t1u_103\" style=\"left:922px;bottom:549px;letter-spacing:0.4px;display:inline;\">38 </div><div class=\"t sd_103\" id=\"t1v_103\" style=\"left:1001px;bottom:549px;letter-spacing:0.35px;display:inline;\">1,204 </div><div class=\"t se_103\" id=\"t1w_103\" style=\"left:1097px;bottom:549px;letter-spacing:0.19px;display:inline;\">9,858 </div>\n<div class=\"t sc_103\" id=\"t1x_103\" style=\"left:78px;bottom:527px;letter-spacing:0.09px;display:inline;\">Depreciation </div>\n<div class=\"t sc_103\" id=\"t1y_103\" style=\"left:78px;bottom:504px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_103\" id=\"t1z_103\" style=\"left:527px;bottom:504px;letter-spacing:-0.08px;display:inline;\">1,742 </div><div class=\"t sd_103\" id=\"t20_103\" style=\"left:630px;bottom:504px;letter-spacing:0.28px;display:inline;\">102 </div><div class=\"t se_103\" id=\"t21_103\" style=\"left:726px;bottom:504px;letter-spacing:-0.06px;display:inline;\">774 </div><div class=\"t sd_103\" id=\"t22_103\" style=\"left:811px;bottom:504px;letter-spacing:0.34px;display:inline;\">1,064 </div><div class=\"t se_103\" id=\"t23_103\" style=\"left:922px;bottom:504px;letter-spacing:0.49px;display:inline;\">34 </div><div class=\"t sd_103\" id=\"t24_103\" style=\"left:1011px;bottom:504px;letter-spacing:0.25px;display:inline;\">907 </div><div class=\"t sd_103\" id=\"t25_103\" style=\"left:1098px;bottom:504px;letter-spacing:0.12px;display:inline;\">4,623 </div>\n<div class=\"t sc_103\" id=\"t26_103\" style=\"left:78px;bottom:482px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t se_103\" id=\"t27_103\" style=\"left:541px;bottom:482px;letter-spacing:0.39px;display:inline;\">86 </div><div class=\"t sd_103\" id=\"t28_103\" style=\"left:637px;bottom:482px;letter-spacing:0.36px;display:inline;\">23 </div><div class=\"t sd_103\" id=\"t29_103\" style=\"left:725px;bottom:482px;letter-spacing:0.43px;display:inline;\">194 </div><div class=\"t sd_103\" id=\"t2a_103\" style=\"left:821px;bottom:482px;letter-spacing:0.32px;display:inline;\">221 </div><div class=\"t se_103\" id=\"t2b_103\" style=\"left:929px;bottom:482px;display:inline;\">3 </div><div class=\"t se_103\" id=\"t2c_103\" style=\"left:1012px;bottom:482px;letter-spacing:0.16px;display:inline;\">439 </div><div class=\"t se_103\" id=\"t2d_103\" style=\"left:1106px;bottom:482px;letter-spacing:0.42px;display:inline;\">966 </div>\n<div class=\"t sc_103\" id=\"t2e_103\" style=\"left:78px;bottom:460px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t se_103\" id=\"t2f_103\" style=\"left:548px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t2g_103\" style=\"left:643px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t2h_103\" style=\"left:722px;bottom:460px;letter-spacing:0.16px;display:inline;\">(182) </div><div class=\"t sd_103\" id=\"t2i_103\" style=\"left:824px;bottom:460px;letter-spacing:0.13px;display:inline;\">(20) </div><div class=\"t se_103\" id=\"t2j_103\" style=\"left:929px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t2k_103\" style=\"left:1008px;bottom:460px;letter-spacing:0.15px;display:inline;\">(562) </div><div class=\"t se_103\" id=\"t2l_103\" style=\"left:1103px;bottom:460px;letter-spacing:0.24px;display:inline;\">(764) </div>\n<div class=\"t s4_103\" id=\"t2m_103\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_103\" id=\"t2n_103\" style=\"left:525px;bottom:438px;letter-spacing:0.27px;display:inline;\">1,828 </div><div class=\"t sd_103\" id=\"t2o_103\" style=\"left:630px;bottom:438px;letter-spacing:0.42px;display:inline;\">125 </div><div class=\"t se_103\" id=\"t2p_103\" style=\"left:725px;bottom:438px;letter-spacing:0.29px;display:inline;\">786 </div><div class=\"t sd_103\" id=\"t2q_103\" style=\"left:811px;bottom:438px;letter-spacing:0.26px;display:inline;\">1,265 </div><div class=\"t se_103\" id=\"t2r_103\" style=\"left:923px;bottom:438px;letter-spacing:0.04px;display:inline;\">37 </div><div class=\"t se_103\" id=\"t2s_103\" style=\"left:1011px;bottom:438px;letter-spacing:0.38px;display:inline;\">784 </div><div class=\"t sd_103\" id=\"t2t_103\" style=\"left:1097px;bottom:438px;letter-spacing:0.26px;display:inline;\">4,825 </div>\n<div class=\"t s4_103\" id=\"t2u_103\" style=\"left:78px;bottom:416px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31 December 2021 </div><div class=\"t sd_103\" id=\"t2v_103\" style=\"left:525px;bottom:416px;letter-spacing:0.27px;display:inline;\">3,209 </div><div class=\"t sd_103\" id=\"t2w_103\" style=\"left:637px;bottom:416px;letter-spacing:0.24px;display:inline;\">32 </div><div class=\"t sd_103\" id=\"t2x_103\" style=\"left:726px;bottom:416px;letter-spacing:0.25px;display:inline;\">326 </div><div class=\"t sd_103\" id=\"t2y_103\" style=\"left:811px;bottom:416px;letter-spacing:0.25px;display:inline;\">1,045 </div><div class=\"t sd_103\" id=\"t2z_103\" style=\"left:929px;bottom:416px;display:inline;\">1 </div><div class=\"t sd_103\" id=\"t30_103\" style=\"left:1012px;bottom:416px;letter-spacing:0.17px;display:inline;\">420 </div><div class=\"t sd_103\" id=\"t31_103\" style=\"left:1098px;bottom:416px;letter-spacing:0.07px;display:inline;\">5,033 </div>\n<div class=\"t sc_103\" id=\"t32_103\" style=\"left:78px;bottom:394px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31 December 2020 </div><div class=\"t sd_103\" id=\"t33_103\" style=\"left:526px;bottom:394px;letter-spacing:0.21px;display:inline;\">3,295 </div><div class=\"t se_103\" id=\"t34_103\" style=\"left:637px;bottom:394px;letter-spacing:0.18px;display:inline;\">55 </div><div class=\"t sd_103\" id=\"t35_103\" style=\"left:726px;bottom:394px;letter-spacing:0.24px;display:inline;\">311 </div><div class=\"t sd_103\" id=\"t36_103\" style=\"left:811px;bottom:394px;letter-spacing:0.3px;display:inline;\">1,239 </div><div class=\"t se_103\" id=\"t37_103\" style=\"left:929px;bottom:394px;display:inline;\">4 </div><div class=\"t sd_103\" id=\"t38_103\" style=\"left:1012px;bottom:394px;letter-spacing:0.12px;display:inline;\">552 </div><div class=\"t se_103\" id=\"t39_103\" style=\"left:1097px;bottom:394px;letter-spacing:0.17px;display:inline;\">5,456 </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f12664": {
   "value": "16 Property, plant and equipment <div class=\"t s9_102\" id=\"td_102\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2022 </div>\n<div class=\"t sa_102\" id=\"te_102\" style=\"left:473px;bottom:692px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Freehold land </div>\n<div class=\"t sa_102\" id=\"tf_102\" style=\"left:471px;bottom:676px;letter-spacing:-0.27px;word-spacing:0.01px;display:inline;\">and properties </div>\n<div class=\"t sa_102\" id=\"tg_102\" style=\"left:520px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"th_102\" style=\"left:613px;bottom:692px;letter-spacing:-0.03px;display:inline;\">Motor </div>\n<div class=\"t sa_102\" id=\"ti_102\" style=\"left:601px;bottom:676px;letter-spacing:-0.03px;display:inline;\">vehicles </div>\n<div class=\"t sa_102\" id=\"tj_102\" style=\"left:615px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tk_102\" style=\"left:685px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sa_102\" id=\"tl_102\" style=\"left:680px;bottom:676px;letter-spacing:-0.01px;display:inline;\">equipment </div>\n<div class=\"t sa_102\" id=\"tm_102\" style=\"left:711px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tn_102\" style=\"left:783px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Furniture </div>\n<div class=\"t sa_102\" id=\"to_102\" style=\"left:781px;bottom:692px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">fixtures &amp; </div>\n<div class=\"t sa_102\" id=\"tp_102\" style=\"left:795px;bottom:676px;letter-spacing:-0.01px;display:inline;\">fittings </div>\n<div class=\"t sa_102\" id=\"tq_102\" style=\"left:806px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tr_102\" style=\"left:903px;bottom:692px;letter-spacing:-0.14px;display:inline;\">Lease </div>\n<div class=\"t sa_102\" id=\"ts_102\" style=\"left:850px;bottom:676px;letter-spacing:-0.17px;display:inline;\">improvements </div>\n<div class=\"t sa_102\" id=\"tt_102\" style=\"left:902px;bottom:660px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tu_102\" style=\"left:960px;bottom:692px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Right of use </div>\n<div class=\"t sa_102\" id=\"tv_102\" style=\"left:994px;bottom:676px;letter-spacing:-0.01px;display:inline;\">assets </div>\n<div class=\"t sa_102\" id=\"tw_102\" style=\"left:996px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_102\" id=\"tx_102\" style=\"left:1096px;bottom:676px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sa_102\" id=\"ty_102\" style=\"left:1092px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_102\" id=\"tz_102\" style=\"left:78px;bottom:638px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sb_102\" id=\"t10_102\" style=\"left:78px;bottom:616px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_102\" id=\"t11_102\" style=\"left:525px;bottom:616px;letter-spacing:0.18px;display:inline;\">5,037 </div><div class=\"t sc_102\" id=\"t12_102\" style=\"left:630px;bottom:616px;letter-spacing:0.32px;display:inline;\">157 </div><div class=\"t sc_102\" id=\"t13_102\" style=\"left:715px;bottom:616px;letter-spacing:0.41px;display:inline;\">1,112 </div><div class=\"t sc_102\" id=\"t14_102\" style=\"left:811px;bottom:616px;letter-spacing:0.34px;display:inline;\">2,310 </div><div class=\"t sc_102\" id=\"t15_102\" style=\"left:922px;bottom:616px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t16_102\" style=\"left:1001px;bottom:616px;letter-spacing:0.44px;display:inline;\">1,204 </div><div class=\"t s4_102\" id=\"t17_102\" style=\"left:1097px;bottom:616px;letter-spacing:0.25px;display:inline;\">9,858 </div>\n<div class=\"t sb_102\" id=\"t18_102\" style=\"left:78px;bottom:593px;letter-spacing:0.08px;display:inline;\">Acquisition </div><div class=\"t s4_102\" id=\"t19_102\" style=\"left:548px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1a_102\" style=\"left:643px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1b_102\" style=\"left:739px;bottom:593px;display:inline;\">7 </div><div class=\"t s4_102\" id=\"t1c_102\" style=\"left:833px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1d_102\" style=\"left:929px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1e_102\" style=\"left:1024px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1f_102\" style=\"left:1120px;bottom:593px;display:inline;\">7 </div>\n<div class=\"t sb_102\" id=\"t1g_102\" style=\"left:78px;bottom:571px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t s4_102\" id=\"t1h_102\" style=\"left:548px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1i_102\" style=\"left:643px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1j_102\" style=\"left:725px;bottom:571px;letter-spacing:0.34px;display:inline;\">324 </div><div class=\"t s4_102\" id=\"t1k_102\" style=\"left:834px;bottom:571px;display:inline;\">8 </div><div class=\"t s4_102\" id=\"t1l_102\" style=\"left:929px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1m_102\" style=\"left:1011px;bottom:571px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t sc_102\" id=\"t1n_102\" style=\"left:1107px;bottom:571px;letter-spacing:0.23px;display:inline;\">703 </div>\n<div class=\"t sb_102\" id=\"t1o_102\" style=\"left:78px;bottom:549px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t s4_102\" id=\"t1p_102\" style=\"left:548px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1q_102\" style=\"left:643px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1r_102\" style=\"left:738px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1s_102\" style=\"left:833px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t1t_102\" style=\"left:929px;bottom:549px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t1u_102\" style=\"left:1008px;bottom:549px;letter-spacing:0.19px;display:inline;\">(436) </div><div class=\"t sc_102\" id=\"t1v_102\" style=\"left:1103px;bottom:549px;letter-spacing:0.19px;display:inline;\">(436) </div>\n<div class=\"t s4_102\" id=\"t1w_102\" style=\"left:78px;bottom:527px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_102\" id=\"t1x_102\" style=\"left:525px;bottom:527px;letter-spacing:0.18px;display:inline;\">5,037 </div><div class=\"t sc_102\" id=\"t1y_102\" style=\"left:630px;bottom:527px;letter-spacing:0.32px;display:inline;\">157 </div><div class=\"t sc_102\" id=\"t1z_102\" style=\"left:715px;bottom:527px;letter-spacing:0.42px;display:inline;\">1,443 </div><div class=\"t sc_102\" id=\"t20_102\" style=\"left:810px;bottom:527px;letter-spacing:0.37px;display:inline;\">2,318 </div><div class=\"t sc_102\" id=\"t21_102\" style=\"left:922px;bottom:527px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t22_102\" style=\"left:1001px;bottom:527px;letter-spacing:0.4px;display:inline;\">1,139 </div><div class=\"t sc_102\" id=\"t23_102\" style=\"left:1090px;bottom:527px;letter-spacing:0.3px;display:inline;\">10,132 </div>\n<div class=\"t sb_102\" id=\"t24_102\" style=\"left:78px;bottom:505px;letter-spacing:0.09px;display:inline;\">Depreciation </div>\n<div class=\"t sb_102\" id=\"t25_102\" style=\"left:78px;bottom:483px;letter-spacing:0.06px;word-spacing:-0.05px;display:inline;\">At 1 January 2022 </div><div class=\"t sc_102\" id=\"t26_102\" style=\"left:525px;bottom:483px;letter-spacing:0.39px;display:inline;\">1,828 </div><div class=\"t sc_102\" id=\"t27_102\" style=\"left:630px;bottom:483px;letter-spacing:0.36px;display:inline;\">125 </div><div class=\"t sc_102\" id=\"t28_102\" style=\"left:725px;bottom:483px;letter-spacing:0.32px;display:inline;\">786 </div><div class=\"t sc_102\" id=\"t29_102\" style=\"left:810px;bottom:483px;letter-spacing:0.36px;display:inline;\">1,265 </div><div class=\"t sc_102\" id=\"t2a_102\" style=\"left:923px;bottom:483px;letter-spacing:0.16px;display:inline;\">37 </div><div class=\"t s4_102\" id=\"t2b_102\" style=\"left:1011px;bottom:483px;letter-spacing:0.39px;display:inline;\">784 </div><div class=\"t sc_102\" id=\"t2c_102\" style=\"left:1096px;bottom:483px;letter-spacing:0.33px;display:inline;\">4,825 </div>\n<div class=\"t sb_102\" id=\"t2d_102\" style=\"left:78px;bottom:461px;letter-spacing:0.08px;display:inline;\">Acquisition </div><div class=\"t s4_102\" id=\"t2e_102\" style=\"left:548px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2f_102\" style=\"left:643px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2g_102\" style=\"left:738px;bottom:461px;display:inline;\">2 </div><div class=\"t s4_102\" id=\"t2h_102\" style=\"left:833px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2i_102\" style=\"left:929px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2j_102\" style=\"left:1024px;bottom:461px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2k_102\" style=\"left:1120px;bottom:461px;display:inline;\">2 </div>\n<div class=\"t sb_102\" id=\"t2l_102\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t s4_102\" id=\"t2m_102\" style=\"left:541px;bottom:438px;letter-spacing:0.44px;display:inline;\">88 </div><div class=\"t s4_102\" id=\"t2n_102\" style=\"left:643px;bottom:438px;display:inline;\">9 </div><div class=\"t sc_102\" id=\"t2o_102\" style=\"left:726px;bottom:438px;letter-spacing:0.22px;display:inline;\">270 </div><div class=\"t sc_102\" id=\"t2p_102\" style=\"left:821px;bottom:438px;letter-spacing:0.37px;display:inline;\">209 </div><div class=\"t sc_102\" id=\"t2q_102\" style=\"left:929px;bottom:438px;display:inline;\">1 </div><div class=\"t s4_102\" id=\"t2r_102\" style=\"left:1012px;bottom:438px;letter-spacing:0.05px;display:inline;\">475 </div><div class=\"t sc_102\" id=\"t2s_102\" style=\"left:1097px;bottom:438px;letter-spacing:0.29px;display:inline;\">1,052 </div>\n<div class=\"t sb_102\" id=\"t2t_102\" style=\"left:78px;bottom:416px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t s4_102\" id=\"t2u_102\" style=\"left:548px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2v_102\" style=\"left:643px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2w_102\" style=\"left:738px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2x_102\" style=\"left:833px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t s4_102\" id=\"t2y_102\" style=\"left:929px;bottom:416px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t2z_102\" style=\"left:1007px;bottom:416px;letter-spacing:0.33px;display:inline;\">(386) </div><div class=\"t sc_102\" id=\"t30_102\" style=\"left:1102px;bottom:416px;letter-spacing:0.33px;display:inline;\">(386) </div>\n<div class=\"t s4_102\" id=\"t31_102\" style=\"left:78px;bottom:394px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2022 </div><div class=\"t sc_102\" id=\"t32_102\" style=\"left:525px;bottom:394px;letter-spacing:0.31px;display:inline;\">1,916 </div><div class=\"t sc_102\" id=\"t33_102\" style=\"left:630px;bottom:394px;letter-spacing:0.43px;display:inline;\">134 </div><div class=\"t sc_102\" id=\"t34_102\" style=\"left:715px;bottom:394px;letter-spacing:0.34px;display:inline;\">1,058 </div><div class=\"t sc_102\" id=\"t35_102\" style=\"left:811px;bottom:394px;letter-spacing:0.17px;display:inline;\">1,474 </div><div class=\"t sc_102\" id=\"t36_102\" style=\"left:922px;bottom:394px;letter-spacing:0.36px;display:inline;\">38 </div><div class=\"t sc_102\" id=\"t37_102\" style=\"left:1011px;bottom:394px;letter-spacing:0.32px;display:inline;\">873 </div><div class=\"t sc_102\" id=\"t38_102\" style=\"left:1097px;bottom:394px;letter-spacing:0.23px;display:inline;\">5,493 </div>\n<div class=\"t s4_102\" id=\"t39_102\" style=\"left:78px;bottom:372px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2022 </div><div class=\"t sc_102\" id=\"t3a_102\" style=\"left:525px;bottom:372px;letter-spacing:0.3px;display:inline;\">3,121 </div><div class=\"t sc_102\" id=\"t3b_102\" style=\"left:637px;bottom:372px;letter-spacing:0.34px;display:inline;\">23 </div><div class=\"t sc_102\" id=\"t3c_102\" style=\"left:725px;bottom:372px;letter-spacing:0.31px;display:inline;\">385 </div><div class=\"t s4_102\" id=\"t3d_102\" style=\"left:820px;bottom:372px;letter-spacing:0.5px;display:inline;\">844 </div><div class=\"t s4_102\" id=\"t3e_102\" style=\"left:929px;bottom:372px;display:inline;\">\u2013 </div><div class=\"t sc_102\" id=\"t3f_102\" style=\"left:1011px;bottom:372px;letter-spacing:0.33px;display:inline;\">266 </div><div class=\"t sc_102\" id=\"t3g_102\" style=\"left:1097px;bottom:372px;letter-spacing:0.24px;display:inline;\">4,639 </div>\n<div class=\"t sb_102\" id=\"t3h_102\" style=\"left:78px;bottom:350px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31\u00a0December 2021 </div><div class=\"t sd_102\" id=\"t3i_102\" style=\"left:525px;bottom:350px;letter-spacing:0.27px;display:inline;\">3,209 </div><div class=\"t sd_102\" id=\"t3j_102\" style=\"left:637px;bottom:350px;letter-spacing:0.24px;display:inline;\">32 </div><div class=\"t sd_102\" id=\"t3k_102\" style=\"left:725px;bottom:350px;letter-spacing:0.25px;display:inline;\">326 </div><div class=\"t sd_102\" id=\"t3l_102\" style=\"left:811px;bottom:350px;letter-spacing:0.25px;display:inline;\">1,045 </div><div class=\"t sd_102\" id=\"t3m_102\" style=\"left:929px;bottom:350px;display:inline;\">1 </div><div class=\"t sd_102\" id=\"t3n_102\" style=\"left:1011px;bottom:350px;letter-spacing:0.17px;display:inline;\">420 </div><div class=\"t sd_102\" id=\"t3o_102\" style=\"left:1098px;bottom:350px;letter-spacing:0.07px;display:inline;\">5,033 </div>\n<div class=\"t se_102\" id=\"t3p_102\" style=\"left:74px;bottom:311px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">In line with IFRS 16, right of use (ROU) assets relate to motor vehicles and building leases, a breakdown for which can be found in Note 30. </div><div></div><div class=\"t s1_103\" id=\"t1_103\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_103\" id=\"t2_103\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_103\" id=\"t3_103\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_103\" id=\"t4_103\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_103\" id=\"t5_103\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_103\" id=\"t6_103\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_103\" id=\"t7_103\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_103\" id=\"t8_103\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_103\" id=\"t9_103\" style=\"left:1095px;bottom:878px;letter-spacing:-0.24px;display:inline;\"></div>\n\n\n<div class=\"t sa_103\" id=\"te_103\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">For the year ended 31 December 2021 </div>\n<div class=\"t sb_103\" id=\"tf_103\" style=\"left:473px;bottom:692px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Freehold land </div>\n<div class=\"t sb_103\" id=\"tg_103\" style=\"left:468px;bottom:676px;letter-spacing:-0.01px;word-spacing:-0.38px;display:inline;\">and properties </div>\n<div class=\"t sb_103\" id=\"th_103\" style=\"left:520px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ti_103\" style=\"left:613px;bottom:692px;letter-spacing:-0.03px;display:inline;\">Motor </div>\n<div class=\"t sb_103\" id=\"tj_103\" style=\"left:601px;bottom:676px;letter-spacing:-0.03px;display:inline;\">vehicles </div>\n<div class=\"t sb_103\" id=\"tk_103\" style=\"left:615px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"tl_103\" style=\"left:685px;bottom:692px;letter-spacing:-0.02px;display:inline;\">Computer </div>\n<div class=\"t sb_103\" id=\"tm_103\" style=\"left:680px;bottom:676px;letter-spacing:-0.01px;display:inline;\">equipment </div>\n<div class=\"t sb_103\" id=\"tn_103\" style=\"left:711px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"to_103\" style=\"left:783px;bottom:708px;letter-spacing:-0.02px;display:inline;\">Furniture </div>\n<div class=\"t sb_103\" id=\"tp_103\" style=\"left:781px;bottom:692px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">fixtures &amp; </div>\n<div class=\"t sb_103\" id=\"tq_103\" style=\"left:795px;bottom:676px;letter-spacing:-0.01px;display:inline;\">fittings </div>\n<div class=\"t sb_103\" id=\"tr_103\" style=\"left:806px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ts_103\" style=\"left:903px;bottom:692px;letter-spacing:-0.14px;display:inline;\">Lease </div>\n<div class=\"t sb_103\" id=\"tt_103\" style=\"left:850px;bottom:676px;letter-spacing:-0.17px;display:inline;\">improvements </div>\n<div class=\"t sb_103\" id=\"tu_103\" style=\"left:902px;bottom:660px;letter-spacing:-0.14px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"tv_103\" style=\"left:960px;bottom:692px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">Right of use </div>\n<div class=\"t sb_103\" id=\"tw_103\" style=\"left:994px;bottom:676px;letter-spacing:-0.01px;display:inline;\">assets </div>\n<div class=\"t sb_103\" id=\"tx_103\" style=\"left:996px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"ty_103\" style=\"left:1096px;bottom:676px;letter-spacing:-0.18px;display:inline;\">Total </div>\n<div class=\"t sb_103\" id=\"tz_103\" style=\"left:1092px;bottom:660px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_103\" id=\"t10_103\" style=\"left:78px;bottom:638px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sc_103\" id=\"t11_103\" style=\"left:78px;bottom:616px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_103\" id=\"t12_103\" style=\"left:526px;bottom:616px;letter-spacing:0.04px;display:inline;\">5,037 </div><div class=\"t sd_103\" id=\"t13_103\" style=\"left:630px;bottom:616px;letter-spacing:0.35px;display:inline;\">157 </div><div class=\"t sd_103\" id=\"t14_103\" style=\"left:716px;bottom:616px;letter-spacing:0.27px;display:inline;\">1,085 </div><div class=\"t sd_103\" id=\"t15_103\" style=\"left:811px;bottom:616px;letter-spacing:0.24px;display:inline;\">2,303 </div><div class=\"t se_103\" id=\"t16_103\" style=\"left:922px;bottom:616px;letter-spacing:0.4px;display:inline;\">38 </div><div class=\"t sd_103\" id=\"t17_103\" style=\"left:1002px;bottom:616px;letter-spacing:0.2px;display:inline;\">1,459 </div><div class=\"t sd_103\" id=\"t18_103\" style=\"left:1091px;bottom:616px;letter-spacing:0.08px;display:inline;\">10,079 </div>\n<div class=\"t sc_103\" id=\"t19_103\" style=\"left:78px;bottom:593px;letter-spacing:0.09px;display:inline;\">Additions </div><div class=\"t se_103\" id=\"t1a_103\" style=\"left:548px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t1b_103\" style=\"left:643px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1c_103\" style=\"left:725px;bottom:593px;letter-spacing:0.39px;display:inline;\">209 </div><div class=\"t sd_103\" id=\"t1d_103\" style=\"left:828px;bottom:593px;letter-spacing:0.05px;display:inline;\">27 </div><div class=\"t se_103\" id=\"t1e_103\" style=\"left:929px;bottom:593px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1f_103\" style=\"left:1011px;bottom:593px;letter-spacing:0.2px;display:inline;\">307 </div><div class=\"t se_103\" id=\"t1g_103\" style=\"left:1107px;bottom:593px;letter-spacing:0.28px;display:inline;\">543 </div>\n<div class=\"t sc_103\" id=\"t1h_103\" style=\"left:78px;bottom:571px;letter-spacing:0.11px;display:inline;\">Disposals </div><div class=\"t se_103\" id=\"t1i_103\" style=\"left:548px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t1j_103\" style=\"left:643px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1k_103\" style=\"left:722px;bottom:571px;letter-spacing:0.16px;display:inline;\">(182) </div><div class=\"t sd_103\" id=\"t1l_103\" style=\"left:824px;bottom:571px;letter-spacing:0.14px;display:inline;\">(20) </div><div class=\"t se_103\" id=\"t1m_103\" style=\"left:929px;bottom:571px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t1n_103\" style=\"left:1008px;bottom:571px;letter-spacing:0.15px;display:inline;\">(562) </div><div class=\"t se_103\" id=\"t1o_103\" style=\"left:1103px;bottom:571px;letter-spacing:0.24px;display:inline;\">(764) </div>\n<div class=\"t s4_103\" id=\"t1p_103\" style=\"left:78px;bottom:549px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_103\" id=\"t1q_103\" style=\"left:526px;bottom:549px;letter-spacing:0.04px;display:inline;\">5,037 </div><div class=\"t sd_103\" id=\"t1r_103\" style=\"left:630px;bottom:549px;letter-spacing:0.35px;display:inline;\">157 </div><div class=\"t sd_103\" id=\"t1s_103\" style=\"left:716px;bottom:549px;letter-spacing:0.31px;display:inline;\">1,112 </div><div class=\"t sd_103\" id=\"t1t_103\" style=\"left:811px;bottom:549px;letter-spacing:0.2px;display:inline;\">2,310 </div><div class=\"t se_103\" id=\"t1u_103\" style=\"left:922px;bottom:549px;letter-spacing:0.4px;display:inline;\">38 </div><div class=\"t sd_103\" id=\"t1v_103\" style=\"left:1001px;bottom:549px;letter-spacing:0.35px;display:inline;\">1,204 </div><div class=\"t se_103\" id=\"t1w_103\" style=\"left:1097px;bottom:549px;letter-spacing:0.19px;display:inline;\">9,858 </div>\n<div class=\"t sc_103\" id=\"t1x_103\" style=\"left:78px;bottom:527px;letter-spacing:0.09px;display:inline;\">Depreciation </div>\n<div class=\"t sc_103\" id=\"t1y_103\" style=\"left:78px;bottom:504px;letter-spacing:0.05px;word-spacing:-0.05px;display:inline;\">At 1 January 2021 </div><div class=\"t sd_103\" id=\"t1z_103\" style=\"left:527px;bottom:504px;letter-spacing:-0.08px;display:inline;\">1,742 </div><div class=\"t sd_103\" id=\"t20_103\" style=\"left:630px;bottom:504px;letter-spacing:0.28px;display:inline;\">102 </div><div class=\"t se_103\" id=\"t21_103\" style=\"left:726px;bottom:504px;letter-spacing:-0.06px;display:inline;\">774 </div><div class=\"t sd_103\" id=\"t22_103\" style=\"left:811px;bottom:504px;letter-spacing:0.34px;display:inline;\">1,064 </div><div class=\"t se_103\" id=\"t23_103\" style=\"left:922px;bottom:504px;letter-spacing:0.49px;display:inline;\">34 </div><div class=\"t sd_103\" id=\"t24_103\" style=\"left:1011px;bottom:504px;letter-spacing:0.25px;display:inline;\">907 </div><div class=\"t sd_103\" id=\"t25_103\" style=\"left:1098px;bottom:504px;letter-spacing:0.12px;display:inline;\">4,623 </div>\n<div class=\"t sc_103\" id=\"t26_103\" style=\"left:78px;bottom:482px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Provided in the year </div><div class=\"t se_103\" id=\"t27_103\" style=\"left:541px;bottom:482px;letter-spacing:0.39px;display:inline;\">86 </div><div class=\"t sd_103\" id=\"t28_103\" style=\"left:637px;bottom:482px;letter-spacing:0.36px;display:inline;\">23 </div><div class=\"t sd_103\" id=\"t29_103\" style=\"left:725px;bottom:482px;letter-spacing:0.43px;display:inline;\">194 </div><div class=\"t sd_103\" id=\"t2a_103\" style=\"left:821px;bottom:482px;letter-spacing:0.32px;display:inline;\">221 </div><div class=\"t se_103\" id=\"t2b_103\" style=\"left:929px;bottom:482px;display:inline;\">3 </div><div class=\"t se_103\" id=\"t2c_103\" style=\"left:1012px;bottom:482px;letter-spacing:0.16px;display:inline;\">439 </div><div class=\"t se_103\" id=\"t2d_103\" style=\"left:1106px;bottom:482px;letter-spacing:0.42px;display:inline;\">966 </div>\n<div class=\"t sc_103\" id=\"t2e_103\" style=\"left:78px;bottom:460px;letter-spacing:0.1px;display:inline;\">Eliminated on disposal </div><div class=\"t se_103\" id=\"t2f_103\" style=\"left:548px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t2g_103\" style=\"left:643px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t2h_103\" style=\"left:722px;bottom:460px;letter-spacing:0.16px;display:inline;\">(182) </div><div class=\"t sd_103\" id=\"t2i_103\" style=\"left:824px;bottom:460px;letter-spacing:0.13px;display:inline;\">(20) </div><div class=\"t se_103\" id=\"t2j_103\" style=\"left:929px;bottom:460px;display:inline;\">\u2013 </div><div class=\"t sd_103\" id=\"t2k_103\" style=\"left:1008px;bottom:460px;letter-spacing:0.15px;display:inline;\">(562) </div><div class=\"t se_103\" id=\"t2l_103\" style=\"left:1103px;bottom:460px;letter-spacing:0.24px;display:inline;\">(764) </div>\n<div class=\"t s4_103\" id=\"t2m_103\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December 2021 </div><div class=\"t sd_103\" id=\"t2n_103\" style=\"left:525px;bottom:438px;letter-spacing:0.27px;display:inline;\">1,828 </div><div class=\"t sd_103\" id=\"t2o_103\" style=\"left:630px;bottom:438px;letter-spacing:0.42px;display:inline;\">125 </div><div class=\"t se_103\" id=\"t2p_103\" style=\"left:725px;bottom:438px;letter-spacing:0.29px;display:inline;\">786 </div><div class=\"t sd_103\" id=\"t2q_103\" style=\"left:811px;bottom:438px;letter-spacing:0.26px;display:inline;\">1,265 </div><div class=\"t se_103\" id=\"t2r_103\" style=\"left:923px;bottom:438px;letter-spacing:0.04px;display:inline;\">37 </div><div class=\"t se_103\" id=\"t2s_103\" style=\"left:1011px;bottom:438px;letter-spacing:0.38px;display:inline;\">784 </div><div class=\"t sd_103\" id=\"t2t_103\" style=\"left:1097px;bottom:438px;letter-spacing:0.26px;display:inline;\">4,825 </div>\n<div class=\"t s4_103\" id=\"t2u_103\" style=\"left:78px;bottom:416px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Net book amount at 31 December 2021 </div><div class=\"t sd_103\" id=\"t2v_103\" style=\"left:525px;bottom:416px;letter-spacing:0.27px;display:inline;\">3,209 </div><div class=\"t sd_103\" id=\"t2w_103\" style=\"left:637px;bottom:416px;letter-spacing:0.24px;display:inline;\">32 </div><div class=\"t sd_103\" id=\"t2x_103\" style=\"left:726px;bottom:416px;letter-spacing:0.25px;display:inline;\">326 </div><div class=\"t sd_103\" id=\"t2y_103\" style=\"left:811px;bottom:416px;letter-spacing:0.25px;display:inline;\">1,045 </div><div class=\"t sd_103\" id=\"t2z_103\" style=\"left:929px;bottom:416px;display:inline;\">1 </div><div class=\"t sd_103\" id=\"t30_103\" style=\"left:1012px;bottom:416px;letter-spacing:0.17px;display:inline;\">420 </div><div class=\"t sd_103\" id=\"t31_103\" style=\"left:1098px;bottom:416px;letter-spacing:0.07px;display:inline;\">5,033 </div>\n<div class=\"t sc_103\" id=\"t32_103\" style=\"left:78px;bottom:394px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Net book amount at 31 December 2020 </div><div class=\"t sd_103\" id=\"t33_103\" style=\"left:526px;bottom:394px;letter-spacing:0.21px;display:inline;\">3,295 </div><div class=\"t se_103\" id=\"t34_103\" style=\"left:637px;bottom:394px;letter-spacing:0.18px;display:inline;\">55 </div><div class=\"t sd_103\" id=\"t35_103\" style=\"left:726px;bottom:394px;letter-spacing:0.24px;display:inline;\">311 </div><div class=\"t sd_103\" id=\"t36_103\" style=\"left:811px;bottom:394px;letter-spacing:0.3px;display:inline;\">1,239 </div><div class=\"t se_103\" id=\"t37_103\" style=\"left:929px;bottom:394px;display:inline;\">4 </div><div class=\"t sd_103\" id=\"t38_103\" style=\"left:1012px;bottom:394px;letter-spacing:0.12px;display:inline;\">552 </div>5,456",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f12935": {
   "value": "17 Financial investments <div class=\"t sb_103\" id=\"t3b_103\" style=\"left:753px;bottom:326px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_103\" id=\"t3c_103\" style=\"left:986px;bottom:326px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_103\" id=\"t3d_103\" style=\"left:733px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_103\" id=\"t3e_103\" style=\"left:728px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"t3f_103\" style=\"left:855px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_103\" id=\"t3g_103\" style=\"left:849px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"t3h_103\" style=\"left:975px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_103\" id=\"t3i_103\" style=\"left:970px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_103\" id=\"t3j_103\" style=\"left:1098px;bottom:303px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_103\" id=\"t3k_103\" style=\"left:1092px;bottom:287px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_103\" id=\"t3l_103\" style=\"left:78px;bottom:265px;letter-spacing:0.1px;display:inline;\">Bank deposits </div><div class=\"t sf_103\" id=\"t3m_103\" style=\"left:734px;bottom:265px;letter-spacing:0.1px;display:inline;\">1,742 </div><div class=\"t sd_103\" id=\"t3n_103\" style=\"left:855px;bottom:265px;letter-spacing:0.23px;display:inline;\">2,596 </div><div class=\"t s4_103\" id=\"t3o_103\" style=\"left:998px;bottom:265px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t3p_103\" style=\"left:1119px;bottom:265px;display:inline;\">\u2013 </div>\n<div class=\"t sc_103\" id=\"t3q_103\" style=\"left:78px;bottom:243px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Equity investments </div><div class=\"t sf_103\" id=\"t3r_103\" style=\"left:733px;bottom:243px;letter-spacing:0.35px;display:inline;\">1,289 </div><div class=\"t se_103\" id=\"t3s_103\" style=\"left:877px;bottom:243px;display:inline;\">\u2013 </div><div class=\"t s4_103\" id=\"t3t_103\" style=\"left:998px;bottom:243px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t3u_103\" style=\"left:1119px;bottom:243px;display:inline;\">\u2013 </div>\n<div class=\"t s4_103\" id=\"t3v_103\" style=\"left:78px;bottom:221px;letter-spacing:0.05px;word-spacing:-0.01px;display:inline;\">Total financial investments </div><div class=\"t sf_103\" id=\"t3w_103\" style=\"left:733px;bottom:221px;letter-spacing:0.14px;display:inline;\">3,031 </div><div class=\"t sd_103\" id=\"t3x_103\" style=\"left:855px;bottom:221px;letter-spacing:0.23px;display:inline;\">2,596 </div><div class=\"t s4_103\" id=\"t3y_103\" style=\"left:998px;bottom:221px;display:inline;\">\u2013 </div><div class=\"t se_103\" id=\"t3z_103\" style=\"left:1119px;bottom:221px;display:inline;\">\u2013 </div><div></div><div class=\"t s1_104\" id=\"t1_104\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_104\" id=\"t2_104\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_104\" id=\"t3_104\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_104\" id=\"t4_104\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_104\" id=\"t5_104\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_104\" id=\"t6_104\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_104\" id=\"t7_104\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_104\" id=\"t8_104\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_104\" id=\"t9_104\" style=\"left:1091px;bottom:878px;letter-spacing:-0.26px;display:inline;\"> </div>\n\n\n<div class=\"t sa_104\" id=\"te_104\" style=\"left:74px;bottom:743px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">IFRS 13 Fair Value Measurement establishes a fair value hierarchy that categorises into </div>\n<div class=\"t sa_104\" id=\"tf_104\" style=\"left:74px;bottom:725px;letter-spacing:-0.16px;word-spacing:-0.16px;display:inline;\">three levels the inputs to valuation techniques used to measure fair value. The fair value </div>\n<div class=\"t sa_104\" id=\"tg_104\" style=\"left:74px;bottom:707px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">hierarchy gives the highest priority to quoted prices (unadjusted) in active markets for </div>\n<div class=\"t sa_104\" id=\"th_104\" style=\"left:74px;bottom:688px;letter-spacing:-0.04px;display:inline;\">identical assets or liabilities (Level 1 inputs) and the lowest priority to unobservable </div>\n<div class=\"t sa_104\" id=\"ti_104\" style=\"left:74px;bottom:670px;letter-spacing:-0.06px;word-spacing:0.05px;display:inline;\">inputs (Level 3 inputs). </div>\n<div class=\"t sa_104\" id=\"tj_104\" style=\"left:74px;bottom:639px;letter-spacing:-0.05px;word-spacing:0.03px;display:inline;\">Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities. </div>\n<div class=\"t sa_104\" id=\"tk_104\" style=\"left:74px;bottom:620px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">All current equity investments are valued using Level 1 inputs. </div>\n<div class=\"t sa_104\" id=\"tl_104\" style=\"left:74px;bottom:598px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Level 2: inputs other than quoted prices included within Level 1 that are observable for </div>\n<div class=\"t sa_104\" id=\"tm_104\" style=\"left:74px;bottom:579px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">the asset or liability, either directly (i.e. as prices) or indirectly (i.e. derived from prices). </div>\n<div class=\"t sa_104\" id=\"tn_104\" style=\"left:74px;bottom:557px;letter-spacing:-0.05px;display:inline;\">Level 3: inputs for the asset or liability that are not based on observable market data </div>\n<div class=\"t sa_104\" id=\"to_104\" style=\"left:74px;bottom:538px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">(unobservable input). </div>\n<div class=\"t sa_104\" id=\"tp_104\" style=\"left:74px;bottom:507px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">Bank deposits, held at amortised cost, are due within six months and the amortised cost </div>\n<div class=\"t sa_104\" id=\"tq_104\" style=\"left:74px;bottom:489px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">is a reasonable approximation of the fair value. These would be included within Level 2 </div>\nof the fair value hierarchy.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13017": {
   "value": "18 Inventories <div class=\"t sa_104\" id=\"tt_104\" style=\"left:74px;bottom:415px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">Inventories in the Group relate primarily to salary sacrifice technology products held for </div>\n<div class=\"t sa_104\" id=\"tu_104\" style=\"left:74px;bottom:397px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">sale as part of the PG Let\u2019s Connect IT sacrifice business and vouchers (both digital and </div>\n<div class=\"t sa_104\" id=\"tv_104\" style=\"left:74px;bottom:378px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">physical) held for sale in the SaaS division of the business. </div>\n<div class=\"t sa_104\" id=\"tw_104\" style=\"left:74px;bottom:347px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">Inventories held are classified as the below: </div>\n<div class=\"t sb_104\" id=\"tx_104\" style=\"left:452px;bottom:311px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_104\" id=\"ty_104\" style=\"left:448px;bottom:295px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"tz_104\" style=\"left:549px;bottom:311px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t10_104\" style=\"left:543px;bottom:295px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_104\" id=\"t11_104\" style=\"left:78px;bottom:273px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Finished Goods \u2013 IT Salary Sacrifice </div><div class=\"t s4_104\" id=\"t12_104\" style=\"left:463px;bottom:273px;letter-spacing:0.34px;display:inline;\">699 </div><div class=\"t sd_104\" id=\"t13_104\" style=\"left:558px;bottom:273px;letter-spacing:0.21px;display:inline;\">835 </div>\n<div class=\"t sc_104\" id=\"t14_104\" style=\"left:78px;bottom:251px;letter-spacing:0.04px;word-spacing:-0.01px;display:inline;\">Vouchers for resale </div><div class=\"t se_104\" id=\"t15_104\" style=\"left:469px;bottom:251px;letter-spacing:0.21px;display:inline;\">27 </div><div class=\"t sd_104\" id=\"t16_104\" style=\"left:565px;bottom:251px;letter-spacing:0.26px;display:inline;\">63 </div>\n<div class=\"t s4_104\" id=\"t17_104\" style=\"left:78px;bottom:229px;letter-spacing:0.03px;word-spacing:0.07px;display:inline;\">Total Inventories </div><div class=\"t se_104\" id=\"t18_104\" style=\"left:463px;bottom:229px;letter-spacing:0.28px;display:inline;\">726 </div>898 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInventoriesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13038": {
   "value": "19 Trade and other receivables <div class=\"t sb_104\" id=\"t1b_104\" style=\"left:921px;bottom:739px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t sb_104\" id=\"t1c_104\" style=\"left:1042px;bottom:739px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t sb_104\" id=\"t1d_104\" style=\"left:901px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_104\" id=\"t1e_104\" style=\"left:896px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t1f_104\" style=\"left:967px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t1g_104\" style=\"left:961px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t1h_104\" style=\"left:1031px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_104\" id=\"t1i_104\" style=\"left:1026px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t1j_104\" style=\"left:1097px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t1k_104\" style=\"left:1091px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_104\" id=\"t1l_104\" style=\"left:626px;bottom:678px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Loans and receivables: </div>\n<div class=\"t sc_104\" id=\"t1m_104\" style=\"left:626px;bottom:656px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Insurance receivables </div><div class=\"t sh_104\" id=\"t1n_104\" style=\"left:901px;bottom:656px;letter-spacing:0.31px;display:inline;\">2,391 </div><div class=\"t sd_104\" id=\"t1o_104\" style=\"left:967px;bottom:656px;letter-spacing:0.22px;display:inline;\">1,665 </div><div class=\"t s4_104\" id=\"t1p_104\" style=\"left:1054px;bottom:656px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t1q_104\" style=\"left:1119px;bottom:656px;display:inline;\">\u2013 </div>\n<div class=\"t sc_104\" id=\"t1r_104\" style=\"left:626px;bottom:634px;letter-spacing:0.05px;word-spacing:0.06px;display:inline;\">Trade Debtors </div><div class=\"t sh_104\" id=\"t1s_104\" style=\"left:894px;bottom:634px;letter-spacing:0.39px;display:inline;\">11,349 </div><div class=\"t sd_104\" id=\"t1t_104\" style=\"left:961px;bottom:634px;letter-spacing:0.19px;display:inline;\">10,592 </div><div class=\"t s4_104\" id=\"t1u_104\" style=\"left:1054px;bottom:634px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t1v_104\" style=\"left:1119px;bottom:634px;display:inline;\">\u2013 </div>\n<div class=\"t sc_104\" id=\"t1w_104\" style=\"left:626px;bottom:612px;letter-spacing:0.09px;word-spacing:-0.02px;display:inline;\">Amounts due from subsidiary undertakings </div><div class=\"t s4_104\" id=\"t1x_104\" style=\"left:924px;bottom:612px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t1y_104\" style=\"left:989px;bottom:612px;display:inline;\">\u2013 </div><div class=\"t sh_104\" id=\"t1z_104\" style=\"left:1048px;bottom:612px;letter-spacing:0.29px;display:inline;\">41 </div><div class=\"t sd_104\" id=\"t20_104\" style=\"left:1113px;bottom:612px;letter-spacing:0.29px;display:inline;\">21 </div>\n<div class=\"t sc_104\" id=\"t21_104\" style=\"left:626px;bottom:590px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Accrued interest </div><div class=\"t sh_104\" id=\"t22_104\" style=\"left:918px;bottom:590px;letter-spacing:0.55px;display:inline;\">14 </div><div class=\"t sd_104\" id=\"t23_104\" style=\"left:983px;bottom:590px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t s4_104\" id=\"t24_104\" style=\"left:1054px;bottom:590px;display:inline;\">\u2013 </div><div class=\"t sf_104\" id=\"t25_104\" style=\"left:1119px;bottom:590px;display:inline;\">\u2013 </div>\n<div class=\"t sc_104\" id=\"t26_104\" style=\"left:626px;bottom:568px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Other prepayments and accrued income </div><div class=\"t sh_104\" id=\"t27_104\" style=\"left:901px;bottom:568px;letter-spacing:0.4px;display:inline;\">2,109 </div><div class=\"t sd_104\" id=\"t28_104\" style=\"left:967px;bottom:568px;letter-spacing:0.15px;display:inline;\">1,768 </div><div class=\"t sh_104\" id=\"t29_104\" style=\"left:1041px;bottom:568px;letter-spacing:0.32px;display:inline;\">281 </div><div class=\"t sd_104\" id=\"t2a_104\" style=\"left:1107px;bottom:568px;letter-spacing:0.04px;display:inline;\">171 </div>\n<div class=\"t s4_104\" id=\"t2b_104\" style=\"left:626px;bottom:546px;letter-spacing:0.05px;word-spacing:0.01px;display:inline;\">Total trade and other receivables </div><div class=\"t sh_104\" id=\"t2c_104\" style=\"left:895px;bottom:546px;letter-spacing:0.31px;display:inline;\">15,863 </div><div class=\"t sd_104\" id=\"t2d_104\" style=\"left:961px;bottom:546px;letter-spacing:0.11px;display:inline;\">14,035 </div><div class=\"t se_104\" id=\"t2e_104\" style=\"left:1041px;bottom:546px;letter-spacing:0.26px;display:inline;\">322 </div><div class=\"t sd_104\" id=\"t2f_104\" style=\"left:1106px;bottom:546px;letter-spacing:0.36px;display:inline;\">192 </div>\n<div class=\"t sa_104\" id=\"t2g_104\" style=\"left:621px;bottom:506px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">All of the Group\u2019s insurance receivables and other receivables due within one year have </div>\n<div class=\"t si_104\" id=\"t2h_104\" style=\"left:621px;bottom:488px;letter-spacing:-0.04px;word-spacing:0.02px;display:inline;\">been reviewed for indicators of impairment. IFRS 9 compliant credit loss provisions have </div>\n<div class=\"t sa_104\" id=\"t2i_104\" style=\"left:621px;bottom:470px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">been made where applicable and the values shown above are net of those provisions. </div>\n<div class=\"t sa_104\" id=\"t2j_104\" style=\"left:621px;bottom:438px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Other receivables include non-insurance trade receivables, and receivables relating to </div>\n<div class=\"t sa_104\" id=\"t2k_104\" style=\"left:621px;bottom:420px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">float payments on the e-voucher platform. </div>\n<div class=\"t sa_104\" id=\"t2l_104\" style=\"left:621px;bottom:389px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">A weighted average ageing of the expected loss provision is shown below: </div>\n<div class=\"t sb_104\" id=\"t2m_104\" style=\"left:808px;bottom:353px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sb_104\" id=\"t2n_104\" style=\"left:1017px;bottom:353px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_104\" id=\"t2o_104\" style=\"left:740px;bottom:330px;letter-spacing:-0.06px;display:inline;\">Trade/ </div>\n<div class=\"t sb_104\" id=\"t2p_104\" style=\"left:721px;bottom:314px;letter-spacing:-0.03px;display:inline;\">Insurance </div>\n<div class=\"t sb_104\" id=\"t2q_104\" style=\"left:738px;bottom:298px;letter-spacing:-0.02px;display:inline;\">Debtor </div>\n<div class=\"t sb_104\" id=\"t2r_104\" style=\"left:745px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t2s_104\" style=\"left:791px;bottom:314px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sb_104\" id=\"t2t_104\" style=\"left:800px;bottom:298px;letter-spacing:-0.1px;display:inline;\">Average </div>\n<div class=\"t sb_104\" id=\"t2u_104\" style=\"left:793px;bottom:282px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t2v_104\" style=\"left:881px;bottom:330px;letter-spacing:-0.02px;display:inline;\">Credit </div>\n<div class=\"t sb_104\" id=\"t2w_104\" style=\"left:892px;bottom:314px;letter-spacing:-0.01px;display:inline;\">Loss </div>\n<div class=\"t sb_104\" id=\"t2x_104\" style=\"left:862px;bottom:298px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t2y_104\" style=\"left:884px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t2z_104\" style=\"left:948px;bottom:330px;letter-spacing:-0.06px;display:inline;\">Trade/ </div>\n<div class=\"t sb_104\" id=\"t30_104\" style=\"left:929px;bottom:314px;letter-spacing:-0.03px;display:inline;\">Insurance </div>\n<div class=\"t sb_104\" id=\"t31_104\" style=\"left:946px;bottom:298px;letter-spacing:-0.02px;display:inline;\">Debtor </div>\n<div class=\"t sb_104\" id=\"t32_104\" style=\"left:953px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_104\" id=\"t33_104\" style=\"left:999px;bottom:314px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sb_104\" id=\"t34_104\" style=\"left:1008px;bottom:298px;letter-spacing:-0.1px;display:inline;\">Average </div>\n<div class=\"t sb_104\" id=\"t35_104\" style=\"left:1001px;bottom:282px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t36_104\" style=\"left:1089px;bottom:330px;letter-spacing:-0.02px;display:inline;\">Credit </div>\n<div class=\"t sb_104\" id=\"t37_104\" style=\"left:1100px;bottom:314px;letter-spacing:-0.01px;display:inline;\">Loss </div>\n<div class=\"t sb_104\" id=\"t38_104\" style=\"left:1070px;bottom:298px;letter-spacing:-0.03px;display:inline;\">Provision </div>\n<div class=\"t sb_104\" id=\"t39_104\" style=\"left:1092px;bottom:282px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_104\" id=\"t3a_104\" style=\"left:626px;bottom:260px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Not Invoiced </div><div class=\"t se_104\" id=\"t3b_104\" style=\"left:750px;bottom:260px;letter-spacing:0.36px;display:inline;\">2,565 </div><div class=\"t se_104\" id=\"t3c_104\" style=\"left:823px;bottom:260px;letter-spacing:0.27px;display:inline;\">0.3% </div><div class=\"t s4_104\" id=\"t3d_104\" style=\"left:912px;bottom:260px;display:inline;\">6 </div><div class=\"t sd_104\" id=\"t3e_104\" style=\"left:959px;bottom:260px;letter-spacing:0.09px;display:inline;\">6,633 </div><div class=\"t sd_104\" id=\"t3f_104\" style=\"left:1032px;bottom:260px;letter-spacing:0.2px;display:inline;\">0.3% </div><div class=\"t sd_104\" id=\"t3g_104\" style=\"left:1113px;bottom:260px;letter-spacing:0.08px;display:inline;\">16 </div>\n<div class=\"t sc_104\" id=\"t3h_104\" style=\"left:626px;bottom:238px;letter-spacing:0.08px;display:inline;\">Current </div><div class=\"t sh_104\" id=\"t3i_104\" style=\"left:743px;bottom:238px;letter-spacing:0.33px;display:inline;\">10,288 </div><div class=\"t sh_104\" id=\"t3j_104\" style=\"left:823px;bottom:238px;letter-spacing:0.11px;display:inline;\">0.1% </div><div class=\"t sh_104\" id=\"t3k_104\" style=\"left:905px;bottom:238px;letter-spacing:0.33px;display:inline;\">10 </div><div class=\"t sd_104\" id=\"t3l_104\" style=\"left:959px;bottom:238px;letter-spacing:0.19px;display:inline;\">4,357 </div><div class=\"t sd_104\" id=\"t3m_104\" style=\"left:1033px;bottom:238px;letter-spacing:-0.04px;display:inline;\">0.1% </div><div class=\"t sf_104\" id=\"t3n_104\" style=\"left:1120px;bottom:238px;display:inline;\">4 </div>\n<div class=\"t sc_104\" id=\"t3o_104\" style=\"left:626px;bottom:216px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">30 Days </div><div class=\"t sh_104\" id=\"t3p_104\" style=\"left:760px;bottom:216px;letter-spacing:0.28px;display:inline;\">619 </div><div class=\"t se_104\" id=\"t3q_104\" style=\"left:823px;bottom:216px;letter-spacing:0.28px;display:inline;\">0.8% </div><div class=\"t s4_104\" id=\"t3r_104\" style=\"left:912px;bottom:216px;display:inline;\">5 </div><div class=\"t sd_104\" id=\"t3s_104\" style=\"left:968px;bottom:216px;letter-spacing:0.27px;display:inline;\">723 </div><div class=\"t sd_104\" id=\"t3t_104\" style=\"left:1032px;bottom:216px;letter-spacing:0.27px;display:inline;\">1.0% </div><div class=\"t sf_104\" id=\"t3u_104\" style=\"left:1120px;bottom:216px;display:inline;\">8 </div>\n<div class=\"t sc_104\" id=\"t3v_104\" style=\"left:626px;bottom:194px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">60 Days </div><div class=\"t sh_104\" id=\"t3w_104\" style=\"left:760px;bottom:194px;letter-spacing:0.35px;display:inline;\">168 </div><div class=\"t sh_104\" id=\"t3x_104\" style=\"left:823px;bottom:194px;letter-spacing:0.28px;display:inline;\">1.6% </div><div class=\"t s4_104\" id=\"t3y_104\" style=\"left:912px;bottom:194px;display:inline;\">3 </div><div class=\"t sd_104\" id=\"t3z_104\" style=\"left:968px;bottom:194px;letter-spacing:0.32px;display:inline;\">257 </div><div class=\"t sd_104\" id=\"t40_104\" style=\"left:1032px;bottom:194px;letter-spacing:0.04px;display:inline;\">2.1% </div><div class=\"t sf_104\" id=\"t41_104\" style=\"left:1120px;bottom:194px;display:inline;\">5 </div>\n<div class=\"t sc_104\" id=\"t42_104\" style=\"left:626px;bottom:172px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">90 Days </div><div class=\"t s4_104\" id=\"t43_104\" style=\"left:767px;bottom:172px;letter-spacing:0.29px;display:inline;\">45 </div><div class=\"t sh_104\" id=\"t44_104\" style=\"left:823px;bottom:172px;letter-spacing:0.17px;display:inline;\">4.1% </div><div class=\"t se_104\" id=\"t45_104\" style=\"left:912px;bottom:172px;display:inline;\">2 </div><div class=\"t sd_104\" id=\"t46_104\" style=\"left:968px;bottom:172px;letter-spacing:0.36px;display:inline;\">153 </div><div class=\"t sf_104\" id=\"t47_104\" style=\"left:1033px;bottom:172px;letter-spacing:-0.14px;display:inline;\">7.8% </div><div class=\"t sd_104\" id=\"t48_104\" style=\"left:1113px;bottom:172px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sc_104\" id=\"t49_104\" style=\"left:626px;bottom:150px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">150 Days </div><div class=\"t sh_104\" id=\"t4a_104\" style=\"left:760px;bottom:150px;letter-spacing:0.38px;display:inline;\">106 </div><div class=\"t se_104\" id=\"t4b_104\" style=\"left:816px;bottom:150px;letter-spacing:0.24px;display:inline;\">23.7% </div><div class=\"t se_104\" id=\"t4c_104\" style=\"left:905px;bottom:150px;letter-spacing:0.37px;display:inline;\">25 </div><div class=\"t sd_104\" id=\"t4d_104\" style=\"left:968px;bottom:150px;letter-spacing:0.1px;display:inline;\">217 </div><div class=\"t sd_104\" id=\"t4e_104\" style=\"left:1027px;bottom:150px;letter-spacing:-0.12px;display:inline;\">17.9% </div><div class=\"t sd_104\" id=\"t4f_104\" style=\"left:1113px;bottom:150px;letter-spacing:0.26px;display:inline;\">39 </div>\n<div class=\"t s4_104\" id=\"t4g_104\" style=\"left:626px;bottom:127px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_104\" id=\"t4h_104\" style=\"left:744px;bottom:127px;letter-spacing:0.23px;display:inline;\">13,791 </div><div class=\"t se_104\" id=\"t4i_104\" style=\"left:823px;bottom:127px;letter-spacing:0.27px;display:inline;\">0.3% </div><div class=\"t sh_104\" id=\"t4j_104\" style=\"left:905px;bottom:127px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_104\" id=\"t4k_104\" style=\"left:951px;bottom:127px;letter-spacing:0.37px;display:inline;\">12,340 </div><div class=\"t sd_104\" id=\"t4l_104\" style=\"left:1032px;bottom:127px;letter-spacing:0.03px;display:inline;\">0.7% </div><div class=\"t sf_104\" id=\"t4m_104\" style=\"left:1113px;bottom:127px;letter-spacing:0.57px;display:inline;\">84 </div><div></div><div class=\"t s1_105\" id=\"t1_105\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_105\" id=\"t2_105\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_105\" id=\"t3_105\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_105\" id=\"t4_105\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_105\" id=\"t5_105\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_105\" id=\"t6_105\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_105\" id=\"t7_105\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_105\" id=\"t8_105\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_105\" id=\"t9_105\" style=\"left:1091px;bottom:878px;letter-spacing:-0.26px;display:inline;\"> </div>\n\n\n<div class=\"t sa_105\" id=\"te_105\" style=\"left:74px;bottom:745px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Credit Loss Provision </div>\n<div class=\"t sb_105\" id=\"tf_105\" style=\"left:453px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"tg_105\" style=\"left:449px;bottom:702px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"th_105\" style=\"left:550px;bottom:718px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"ti_105\" style=\"left:544px;bottom:702px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"tj_105\" style=\"left:78px;bottom:680px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Stage 1 </div><div class=\"t s4_105\" id=\"tk_105\" style=\"left:476px;bottom:680px;display:inline;\">\u2013 </div><div class=\"t sd_105\" id=\"tl_105\" style=\"left:571px;bottom:680px;display:inline;\">\u2013 </div>\n<div class=\"t sc_105\" id=\"tm_105\" style=\"left:78px;bottom:658px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Stage 2 </div><div class=\"t se_105\" id=\"tn_105\" style=\"left:470px;bottom:658px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"to_105\" style=\"left:565px;bottom:658px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sc_105\" id=\"tp_105\" style=\"left:78px;bottom:636px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Stage 3 </div><div class=\"t s4_105\" id=\"tq_105\" style=\"left:476px;bottom:636px;display:inline;\">\u2013 </div><div class=\"t sd_105\" id=\"tr_105\" style=\"left:571px;bottom:636px;display:inline;\">\u2013 </div>\n<div class=\"t s4_105\" id=\"ts_105\" style=\"left:78px;bottom:614px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t se_105\" id=\"tt_105\" style=\"left:470px;bottom:614px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"tu_105\" style=\"left:565px;bottom:614px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sf_105\" id=\"tv_105\" style=\"left:74px;bottom:574px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">Set out below is the movement in the allowance for expected credit losses of trade </div>\n<div class=\"t sf_105\" id=\"tw_105\" style=\"left:74px;bottom:556px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">receivables and contracted assets: </div>\n<div class=\"t sb_105\" id=\"tx_105\" style=\"left:453px;bottom:520px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"ty_105\" style=\"left:449px;bottom:504px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"tz_105\" style=\"left:550px;bottom:520px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t10_105\" style=\"left:544px;bottom:504px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t11_105\" style=\"left:78px;bottom:483px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t s4_105\" id=\"t12_105\" style=\"left:470px;bottom:483px;letter-spacing:0.51px;display:inline;\">84 </div><div class=\"t sg_105\" id=\"t13_105\" style=\"left:559px;bottom:483px;letter-spacing:0.25px;display:inline;\">114 </div>\n<div class=\"t sc_105\" id=\"t14_105\" style=\"left:78px;bottom:460px;letter-spacing:0.07px;word-spacing:-0.01px;display:inline;\">Provision for expected credit losses </div><div class=\"t se_105\" id=\"t15_105\" style=\"left:470px;bottom:460px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"t16_105\" style=\"left:565px;bottom:460px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sc_105\" id=\"t17_105\" style=\"left:78px;bottom:438px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Provision release </div><div class=\"t s4_105\" id=\"t18_105\" style=\"left:466px;bottom:438px;letter-spacing:0.21px;display:inline;\">(84) </div><div class=\"t sg_105\" id=\"t19_105\" style=\"left:556px;bottom:438px;letter-spacing:0.13px;display:inline;\">(114) </div>\n<div class=\"t s4_105\" id=\"t1a_105\" style=\"left:78px;bottom:416px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">At 31 December </div><div class=\"t se_105\" id=\"t1b_105\" style=\"left:470px;bottom:416px;letter-spacing:0.19px;display:inline;\">51 </div><div class=\"t sd_105\" id=\"t1c_105\" style=\"left:565px;bottom:416px;letter-spacing:0.57px;display:inline;\">84 </div>\n<div class=\"t sf_105\" id=\"t1d_105\" style=\"left:74px;bottom:377px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Insurance receivables and other receivables are also held at amortised cost and the </div>\n<div class=\"t sf_105\" id=\"t1e_105\" style=\"left:74px;bottom:359px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">carrying amount is a reasonable approximation of fair value which in the case of the </div>\n<div class=\"t sf_105\" id=\"t1f_105\" style=\"left:74px;bottom:339px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">insurance receivables contains a lapse provision of \u00a390,000 (2021: \u00a3160,000). </div>\n<div class=\"t sf_105\" id=\"t1g_105\" style=\"left:74px;bottom:307px;letter-spacing:-0.28px;word-spacing:-0.04px;display:inline;\">In the past, the Group has not incurred significant bad debt write offs and consequently </div>\n<div class=\"t sf_105\" id=\"t1h_105\" style=\"left:74px;bottom:289px;letter-spacing:-0.05px;display:inline;\">whilst the above may be overdue, the risk of credit default is considered to be low. </div>\nThe Group has no charges or other security over any of these assets. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13242": {
   "value": "20 Reinsurance assets <div class=\"t sb_105\" id=\"t1k_105\" style=\"left:1027px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t1l_105\" style=\"left:1022px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t1m_105\" style=\"left:1098px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t1n_105\" style=\"left:1092px;bottom:723px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t1o_105\" style=\"left:626px;bottom:701px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Reinsurers share of claims incurred </div><div class=\"t s4_105\" id=\"t1p_105\" style=\"left:1044px;bottom:701px;letter-spacing:0.15px;display:inline;\">55 </div><div class=\"t sd_105\" id=\"t1q_105\" style=\"left:1113px;bottom:701px;letter-spacing:0.21px;display:inline;\">57 </div>\n<div class=\"t sc_105\" id=\"t1r_105\" style=\"left:626px;bottom:679px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Reinsurers share of unearned premiums </div><div class=\"t se_105\" id=\"t1s_105\" style=\"left:1044px;bottom:679px;letter-spacing:0.41px;display:inline;\">40 </div><div class=\"t sg_105\" id=\"t1t_105\" style=\"left:1113px;bottom:679px;letter-spacing:0.01px;display:inline;\">51 </div>\n<div class=\"t s4_105\" id=\"t1u_105\" style=\"left:626px;bottom:657px;letter-spacing:0.05px;word-spacing:0.05px;display:inline;\">Total reinsurance assets </div><div class=\"t se_105\" id=\"t1v_105\" style=\"left:1044px;bottom:657px;letter-spacing:0.23px;display:inline;\">95 </div>108",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReinsuranceExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13259": {
   "value": "21 Cash and cash equivalents <div class=\"t sb_105\" id=\"t1y_105\" style=\"left:888px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t1z_105\" style=\"left:884px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t20_105\" style=\"left:959px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t21_105\" style=\"left:953px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t22_105\" style=\"left:1027px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t23_105\" style=\"left:1022px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t24_105\" style=\"left:1098px;bottom:589px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t25_105\" style=\"left:1092px;bottom:573px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t26_105\" style=\"left:626px;bottom:551px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Cash at bank and in hand </div><div class=\"t se_105\" id=\"t27_105\" style=\"left:883px;bottom:551px;letter-spacing:0.21px;display:inline;\">11,746 </div><div class=\"t sg_105\" id=\"t28_105\" style=\"left:952px;bottom:551px;letter-spacing:0.2px;display:inline;\">14,945 </div><div class=\"t se_105\" id=\"t29_105\" style=\"left:1037px;bottom:551px;letter-spacing:0.25px;display:inline;\">237 </div><div class=\"t sg_105\" id=\"t2a_105\" style=\"left:1106px;bottom:551px;letter-spacing:0.37px;display:inline;\">119 </div>\n<div class=\"t sc_105\" id=\"t2b_105\" style=\"left:626px;bottom:529px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Short-term deposits </div><div class=\"t se_105\" id=\"t2c_105\" style=\"left:889px;bottom:529px;letter-spacing:0.29px;display:inline;\">5,212 </div><div class=\"t sg_105\" id=\"t2d_105\" style=\"left:958px;bottom:529px;letter-spacing:0.29px;display:inline;\">5,346 </div><div class=\"t s4_105\" id=\"t2e_105\" style=\"left:1050px;bottom:529px;display:inline;\">\u2013 </div><div class=\"t sd_105\" id=\"t2f_105\" style=\"left:1119px;bottom:529px;display:inline;\">\u2013 </div>\n<div class=\"t s4_105\" id=\"t2g_105\" style=\"left:626px;bottom:507px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Total cash and cash equivalents </div><div class=\"t se_105\" id=\"t2h_105\" style=\"left:882px;bottom:507px;letter-spacing:0.27px;display:inline;\">16,958 </div><div class=\"t sg_105\" id=\"t2i_105\" style=\"left:952px;bottom:507px;letter-spacing:0.2px;display:inline;\">20,291 </div><div class=\"t se_105\" id=\"t2j_105\" style=\"left:1037px;bottom:507px;letter-spacing:0.25px;display:inline;\">237 </div>119",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13286": {
   "value": "22 Share capital <div class=\"t sb_105\" id=\"t2m_105\" style=\"left:1027px;bottom:439px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t2n_105\" style=\"left:1022px;bottom:423px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t2o_105\" style=\"left:1098px;bottom:439px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t2p_105\" style=\"left:1092px;bottom:423px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t2q_105\" style=\"left:626px;bottom:401px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Authorised 200,000,000 ordinary shares of 5p each </div><div class=\"t se_105\" id=\"t2r_105\" style=\"left:1021px;bottom:401px;letter-spacing:0.31px;display:inline;\">10,000 </div><div class=\"t sg_105\" id=\"t2s_105\" style=\"left:1091px;bottom:401px;letter-spacing:0.23px;display:inline;\">10,000 </div>\n<div class=\"t sc_105\" id=\"t2t_105\" style=\"left:626px;bottom:379px;letter-spacing:0.08px;display:inline;\">Allotted, called up and fully paid 31,248,822 (2021: 31,219,207) </div>\n<div class=\"t sc_105\" id=\"t2u_105\" style=\"left:626px;bottom:362px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">ordinary shares of 5p each </div><div class=\"t se_105\" id=\"t2v_105\" style=\"left:1027px;bottom:362px;letter-spacing:0.38px;display:inline;\">1,562 </div><div class=\"t sg_105\" id=\"t2w_105\" style=\"left:1097px;bottom:362px;letter-spacing:0.27px;display:inline;\">1,561 </div>\n<div class=\"t sc_105\" id=\"t2x_105\" style=\"left:626px;bottom:340px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Share Premium </div><div class=\"t se_105\" id=\"t2y_105\" style=\"left:1027px;bottom:340px;letter-spacing:0.45px;display:inline;\">1,134 </div><div class=\"t sg_105\" id=\"t2z_105\" style=\"left:1097px;bottom:340px;letter-spacing:0.35px;display:inline;\">1,134 </div>\n<div class=\"t sf_105\" id=\"t30_105\" style=\"left:621px;bottom:300px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Each ordinary share is entitled to one vote in any circumstance. </div>\n<div class=\"t sf_105\" id=\"t31_105\" style=\"left:621px;bottom:269px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">The total number of own shares held by the Employee Benefit Trust at 31 December 2022 </div>\n<div class=\"t sh_105\" id=\"t32_105\" style=\"left:621px;bottom:251px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">was 88,822 (2021: 87,288). Of this amount, there are 70,807 (2021: 76,135) SIP shares that </div>\n<div class=\"t sf_105\" id=\"t33_105\" style=\"left:621px;bottom:232px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">have been unconditionally allocated to employees. </div>\n<div class=\"t sf_105\" id=\"t34_105\" style=\"left:621px;bottom:201px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">As at 31 December 2022, the Group maintained two share-based payment schemes for </div>\n<div class=\"t sf_105\" id=\"t35_105\" style=\"left:621px;bottom:183px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">employee compensation. </div><div></div><div class=\"t s1_106\" id=\"t1_106\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Holdings Plc </div><div class=\"t s2_106\" id=\"t2_106\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_106\" id=\"t3_106\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_106\" id=\"t4_106\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_106\" id=\"t5_106\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_106\" id=\"t6_106\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_106\" id=\"t7_106\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_106\" id=\"t8_106\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_106\" id=\"t9_106\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n<div class=\"t s6_106\" id=\"ta_106\" style=\"left:74px;bottom:794px;letter-spacing:0.15px;word-spacing:-0.16px;display:inline;\"> </div><div class=\"t s7_106\" id=\"tb_106\" style=\"left:451px;bottom:794px;letter-spacing:0.23px;display:inline;\"> </div>\n\n<div class=\"t sa_106\" id=\"te_106\" style=\"left:74px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">a) Company Share Ownership Plan (CSOP) and unapproved options </div>\n<div class=\"t sb_106\" id=\"tf_106\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the options granted to vest, there are no performance criteria obligations to be </div>\n<div class=\"t sb_106\" id=\"tg_106\" style=\"left:74px;bottom:704px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">fulfilled other than continuous employment during the three-year period. Exceptions </div>\n<div class=\"t sb_106\" id=\"th_106\" style=\"left:74px;bottom:686px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">are made for early termination of employment by attaining normal retirement age, </div>\n<div class=\"t sb_106\" id=\"ti_106\" style=\"left:74px;bottom:667px;letter-spacing:-0.08px;word-spacing:0.07px;display:inline;\">ill health or redundancy. </div>\n<div class=\"t sb_106\" id=\"tj_106\" style=\"left:74px;bottom:636px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">All share-based employee compensation will be settled in equity. The Group has </div>\n<div class=\"t sb_106\" id=\"tk_106\" style=\"left:74px;bottom:616px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">no legal or constructive obligation to repurchase or settle the options. </div>\n<div class=\"t sb_106\" id=\"tl_106\" style=\"left:74px;bottom:585px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Share option and weighted average exercise price are as follows for the reporting </div>\n<div class=\"t sb_106\" id=\"tm_106\" style=\"left:74px;bottom:566px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">periods presented: </div>\n<div class=\"t sc_106\" id=\"tn_106\" style=\"left:338px;bottom:531px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_106\" id=\"to_106\" style=\"left:495px;bottom:531px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_106\" id=\"tp_106\" style=\"left:296px;bottom:444px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sc_106\" id=\"tq_106\" style=\"left:364px;bottom:508px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sc_106\" id=\"tr_106\" style=\"left:375px;bottom:492px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t sc_106\" id=\"ts_106\" style=\"left:374px;bottom:476px;letter-spacing:-0.03px;display:inline;\">exercise </div>\n<div class=\"t sc_106\" id=\"tt_106\" style=\"left:392px;bottom:460px;letter-spacing:-0.03px;display:inline;\">price </div>\n<div class=\"t sc_106\" id=\"tu_106\" style=\"left:387px;bottom:444px;letter-spacing:-0.03px;display:inline;\">Pence </div><div class=\"t sc_106\" id=\"tv_106\" style=\"left:452px;bottom:444px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sc_106\" id=\"tw_106\" style=\"left:520px;bottom:508px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sc_106\" id=\"tx_106\" style=\"left:531px;bottom:492px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t sc_106\" id=\"ty_106\" style=\"left:530px;bottom:476px;letter-spacing:-0.03px;display:inline;\">exercise </div>\n<div class=\"t sc_106\" id=\"tz_106\" style=\"left:548px;bottom:460px;letter-spacing:-0.03px;display:inline;\">price </div>\n<div class=\"t sc_106\" id=\"t10_106\" style=\"left:543px;bottom:444px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t sd_106\" id=\"t11_106\" style=\"left:78px;bottom:422px;letter-spacing:0.1px;word-spacing:-0.09px;display:inline;\">Outstanding at 1 January </div><div class=\"t se_106\" id=\"t12_106\" style=\"left:305px;bottom:422px;letter-spacing:0.08px;display:inline;\">226,743 </div><div class=\"t se_106\" id=\"t13_106\" style=\"left:395px;bottom:422px;letter-spacing:0.33px;display:inline;\">384.1 </div><div class=\"t sf_106\" id=\"t14_106\" style=\"left:461px;bottom:422px;letter-spacing:0.15px;display:inline;\">205,559 </div><div class=\"t sf_106\" id=\"t15_106\" style=\"left:552px;bottom:422px;letter-spacing:0.23px;display:inline;\">394.5 </div>\n<div class=\"t sd_106\" id=\"t16_106\" style=\"left:78px;bottom:400px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Options granted in year </div><div class=\"t s4_106\" id=\"t17_106\" style=\"left:340px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_106\" id=\"t18_106\" style=\"left:418px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t19_106\" style=\"left:467px;bottom:400px;letter-spacing:0.19px;display:inline;\">69,968 </div><div class=\"t sf_106\" id=\"t1a_106\" style=\"left:552px;bottom:400px;letter-spacing:0.09px;display:inline;\">343.0 </div>\n<div class=\"t sd_106\" id=\"t1b_106\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Options exercised in year </div><div class=\"t s4_106\" id=\"t1c_106\" style=\"left:340px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t s4_106\" id=\"t1d_106\" style=\"left:418px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t1e_106\" style=\"left:496px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t1f_106\" style=\"left:574px;bottom:378px;display:inline;\">\u2013 </div>\n<div class=\"t sd_106\" id=\"t1g_106\" style=\"left:78px;bottom:356px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Options cancelled or lapsed </div><div class=\"t se_106\" id=\"t1h_106\" style=\"left:309px;bottom:356px;letter-spacing:0.01px;display:inline;\">(17,492) </div><div class=\"t se_106\" id=\"t1i_106\" style=\"left:395px;bottom:356px;letter-spacing:0.2px;display:inline;\">343.0 </div><div class=\"t sf_106\" id=\"t1j_106\" style=\"left:465px;bottom:356px;letter-spacing:0.1px;display:inline;\">(48,784) </div><div class=\"t sg_106\" id=\"t1k_106\" style=\"left:552px;bottom:356px;letter-spacing:0.21px;display:inline;\">368.9 </div>\n<div class=\"t s4_106\" id=\"t1l_106\" style=\"left:78px;bottom:333px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Outstanding at 31 December </div><div class=\"t se_106\" id=\"t1m_106\" style=\"left:304px;bottom:333px;letter-spacing:0.23px;display:inline;\">209,251 </div><div class=\"t se_106\" id=\"t1n_106\" style=\"left:396px;bottom:333px;letter-spacing:-0.04px;display:inline;\">387.6 </div><div class=\"t sf_106\" id=\"t1o_106\" style=\"left:462px;bottom:333px;letter-spacing:-0.06px;display:inline;\">226,743 </div><div class=\"t sf_106\" id=\"t1p_106\" style=\"left:551px;bottom:333px;letter-spacing:0.25px;display:inline;\">384.1 </div>\n<div class=\"t sh_106\" id=\"t1q_106\" style=\"left:74px;bottom:294px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The weighted average exercise price of 121,007 (2021: 95,294) share options exercisable </div>\n<div class=\"t sh_106\" id=\"t1r_106\" style=\"left:74px;bottom:276px;letter-spacing:-0.03px;display:inline;\">at 31\u00a0December 2022 was pence per share 446.35 (2021: 472.35). </div>\n<div class=\"t sb_106\" id=\"t1s_106\" style=\"left:74px;bottom:245px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">There were no options granted under the CSOP scheme in 2022. </div>\n<div class=\"t sh_106\" id=\"t1t_106\" style=\"left:74px;bottom:213px;letter-spacing:-0.03px;display:inline;\">The weighted average remaining contracted life of outstanding options at 31 December </div>\n<div class=\"t sb_106\" id=\"t1u_106\" style=\"left:74px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">2022 was five years and four months (2021: six years and three\u00a0months). The underlying </div>\n<div class=\"t sb_106\" id=\"t1v_106\" style=\"left:74px;bottom:177px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">expected volatility was determined by reference to historical data. No special features </div>\n<div class=\"t sb_106\" id=\"t1w_106\" style=\"left:74px;bottom:157px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">imminent to the options granted were incorporated into the measurement of fair value. </div>\n<div class=\"t sb_106\" id=\"t1x_106\" style=\"left:74px;bottom:125px;letter-spacing:-0.05px;display:inline;\">In total, \u00a320,000 of employee compensation by way of share-based payment expense </div>\n<div class=\"t sb_106\" id=\"t1y_106\" style=\"left:74px;bottom:107px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">has been included in the consolidated income statement for 2022 (2021: \u00a311,000). </div>\n<div class=\"t sb_106\" id=\"t1z_106\" style=\"left:74px;bottom:89px;letter-spacing:-0.3px;word-spacing:-0.05px;display:inline;\">The corresponding credit is taken to equity. No liabilities were recognised due to share-based </div>\n<div class=\"t sb_106\" id=\"t20_106\" style=\"left:74px;bottom:70px;letter-spacing:-0.27px;display:inline;\">transactions. </div>\n<div class=\"t sa_106\" id=\"t21_106\" style=\"left:621px;bottom:767px;letter-spacing:-0.08px;word-spacing:-0.03px;display:inline;\">b) Long Term Incentive Plan (LTIP) </div>\n<div class=\"t sh_106\" id=\"t22_106\" style=\"left:621px;bottom:745px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">The Remuneration Committee approved a new LTIP scheme on 6 April 2021. Under the </div>\n<div class=\"t sb_106\" id=\"t23_106\" style=\"left:621px;bottom:726px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">scheme share options of Personal Group Holdings Plc are granted to senior executives </div>\n<div class=\"t sb_106\" id=\"t24_106\" style=\"left:621px;bottom:708px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">with an Exercise Price of 5p (nominal value of the shares). The share options have various </div>\n<div class=\"t sb_106\" id=\"t25_106\" style=\"left:621px;bottom:690px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">market and non-market performance conditions which are required to be achieved </div>\n<div class=\"t sb_106\" id=\"t26_106\" style=\"left:621px;bottom:671px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">for the options to vest. The options also contain service conditions that require option </div>\n<div class=\"t sb_106\" id=\"t27_106\" style=\"left:621px;bottom:653px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">holders to remain in employment of the\u00a0Group. </div>\n<div class=\"t si_106\" id=\"t28_106\" style=\"left:621px;bottom:623px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">Total shareholder return (market condition) </div>\n<div class=\"t sb_106\" id=\"t29_106\" style=\"left:621px;bottom:603px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">50% of the awards vest under this condition. Subject to Compound Annual Growth Rate </div>\n<div class=\"t sb_106\" id=\"t2a_106\" style=\"left:621px;bottom:584px;letter-spacing:-0.07px;word-spacing:-0.02px;display:inline;\">(CAGR) of the Total Shareholder Return (TSR) over the Performance\u00a0Period. </div>\n<div class=\"t si_106\" id=\"t2b_106\" style=\"left:621px;bottom:554px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">EBITDA targets (non-market condition) </div>\n<div class=\"t sh_106\" id=\"t2c_106\" style=\"left:621px;bottom:534px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">35% of the awards vest under this condition. Subject to cumulative EBITDA over the </div>\n<div class=\"t sb_106\" id=\"t2d_106\" style=\"left:621px;bottom:516px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Performance Period. </div>\n<div class=\"t si_106\" id=\"t2e_106\" style=\"left:621px;bottom:486px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Environmental, social and governance targets (ESG) (non-market condition) </div>\n<div class=\"t sb_106\" id=\"t2f_106\" style=\"left:621px;bottom:465px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Up to 15% of the awards vest under this condition. The awards shall vest upon the </div>\n<div class=\"t sb_106\" id=\"t2g_106\" style=\"left:621px;bottom:447px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Remuneration Committee determining that all ESG targets have been\u00a0met. </div>\n<div class=\"t sb_106\" id=\"t2h_106\" style=\"left:621px;bottom:416px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">The fair value of the share options is estimated at the grant date using a Monte-Carlo </div>\n<div class=\"t sb_106\" id=\"t2i_106\" style=\"left:621px;bottom:397px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">binomial option pricing model for the market conditions, and a Black-Scholes pricing </div>\n<div class=\"t sb_106\" id=\"t2j_106\" style=\"left:621px;bottom:379px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">model for non-market conditions. However, the above performance condition is only </div>\n<div class=\"t sb_106\" id=\"t2k_106\" style=\"left:621px;bottom:361px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">considered in determining the number of instruments that will ultimately vest. </div>\n<div class=\"t sb_106\" id=\"t2l_106\" style=\"left:621px;bottom:329px;letter-spacing:-0.03px;display:inline;\">There are no cash settlements alternatives. The Group does not have a past practice </div>\n<div class=\"t sb_106\" id=\"t2m_106\" style=\"left:621px;bottom:311px;letter-spacing:-0.06px;word-spacing:-0.03px;display:inline;\">of cash settlement for these share options. The Group accounts for the LTIP as an </div>\n<div class=\"t sb_106\" id=\"t2n_106\" style=\"left:621px;bottom:293px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">equity-settled plan. </div>\n<div class=\"t sb_106\" id=\"t2o_106\" style=\"left:621px;bottom:261px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">Two tranches of awards have been made to date in April 2021 and April 2022. </div>\n<div class=\"t sh_106\" id=\"t2p_106\" style=\"left:621px;bottom:230px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">In total, \u00a3291,000 of employee share-based compensation has been included in the </div>\n<div class=\"t sh_106\" id=\"t2q_106\" style=\"left:621px;bottom:212px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">consolidated income statement to 31 December 2022 (2021: \u00a3158,000). The corresponding </div>\ncredit is taken to equity. No liabilities were recognised from share-based transactions.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13287": {
   "value": "22 Share capital <div class=\"t sb_105\" id=\"t2m_105\" style=\"left:1027px;bottom:439px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_105\" id=\"t2n_105\" style=\"left:1022px;bottom:423px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_105\" id=\"t2o_105\" style=\"left:1098px;bottom:439px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_105\" id=\"t2p_105\" style=\"left:1092px;bottom:423px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_105\" id=\"t2q_105\" style=\"left:626px;bottom:401px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Authorised 200,000,000 ordinary shares of 5p each </div><div class=\"t se_105\" id=\"t2r_105\" style=\"left:1021px;bottom:401px;letter-spacing:0.31px;display:inline;\">10,000 </div><div class=\"t sg_105\" id=\"t2s_105\" style=\"left:1091px;bottom:401px;letter-spacing:0.23px;display:inline;\">10,000 </div>\n<div class=\"t sc_105\" id=\"t2t_105\" style=\"left:626px;bottom:379px;letter-spacing:0.08px;display:inline;\">Allotted, called up and fully paid 31,248,822 (2021: 31,219,207) </div>\n<div class=\"t sc_105\" id=\"t2u_105\" style=\"left:626px;bottom:362px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">ordinary shares of 5p each </div><div class=\"t se_105\" id=\"t2v_105\" style=\"left:1027px;bottom:362px;letter-spacing:0.38px;display:inline;\">1,562 </div><div class=\"t sg_105\" id=\"t2w_105\" style=\"left:1097px;bottom:362px;letter-spacing:0.27px;display:inline;\">1,561 </div>\n<div class=\"t sc_105\" id=\"t2x_105\" style=\"left:626px;bottom:340px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Share Premium </div><div class=\"t se_105\" id=\"t2y_105\" style=\"left:1027px;bottom:340px;letter-spacing:0.45px;display:inline;\">1,134 </div><div class=\"t sg_105\" id=\"t2z_105\" style=\"left:1097px;bottom:340px;letter-spacing:0.35px;display:inline;\">1,134 </div>\n<div class=\"t sf_105\" id=\"t30_105\" style=\"left:621px;bottom:300px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">Each ordinary share is entitled to one vote in any circumstance. </div>\n<div class=\"t sf_105\" id=\"t31_105\" style=\"left:621px;bottom:269px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">The total number of own shares held by the Employee Benefit Trust at 31 December 2022 </div>\n<div class=\"t sh_105\" id=\"t32_105\" style=\"left:621px;bottom:251px;letter-spacing:-0.05px;word-spacing:-0.01px;display:inline;\">was 88,822 (2021: 87,288). Of this amount, there are 70,807 (2021: 76,135) SIP shares that </div>\n<div class=\"t sf_105\" id=\"t33_105\" style=\"left:621px;bottom:232px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">have been unconditionally allocated to employees. </div>\n<div class=\"t sf_105\" id=\"t34_105\" style=\"left:621px;bottom:201px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">As at 31 December 2022, the Group maintained two share-based payment schemes for </div>\n<div class=\"t sf_105\" id=\"t35_105\" style=\"left:621px;bottom:183px;letter-spacing:-0.04px;word-spacing:0.03px;display:inline;\">employee compensation. </div><div></div><div class=\"t s1_106\" id=\"t1_106\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Holdings Plc </div><div class=\"t s2_106\" id=\"t2_106\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_106\" id=\"t3_106\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_106\" id=\"t4_106\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"></div>\n<div class=\"t s3_106\" id=\"t5_106\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_106\" id=\"t6_106\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_106\" id=\"t7_106\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_106\" id=\"t8_106\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_106\" id=\"t9_106\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n<div class=\"t s6_106\" id=\"ta_106\" style=\"left:74px;bottom:794px;letter-spacing:0.15px;word-spacing:-0.16px;display:inline;\"> </div><div class=\"t s7_106\" id=\"tb_106\" style=\"left:451px;bottom:794px;letter-spacing:0.23px;display:inline;\"> </div>\n\n<div class=\"t sa_106\" id=\"te_106\" style=\"left:74px;bottom:745px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">a) Company Share Ownership Plan (CSOP) and unapproved options </div>\n<div class=\"t sb_106\" id=\"tf_106\" style=\"left:74px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.07px;display:inline;\">For the options granted to vest, there are no performance criteria obligations to be </div>\n<div class=\"t sb_106\" id=\"tg_106\" style=\"left:74px;bottom:704px;letter-spacing:-0.17px;word-spacing:-0.05px;display:inline;\">fulfilled other than continuous employment during the three-year period. Exceptions </div>\n<div class=\"t sb_106\" id=\"th_106\" style=\"left:74px;bottom:686px;letter-spacing:-0.05px;word-spacing:0.01px;display:inline;\">are made for early termination of employment by attaining normal retirement age, </div>\n<div class=\"t sb_106\" id=\"ti_106\" style=\"left:74px;bottom:667px;letter-spacing:-0.08px;word-spacing:0.07px;display:inline;\">ill health or redundancy. </div>\n<div class=\"t sb_106\" id=\"tj_106\" style=\"left:74px;bottom:636px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">All share-based employee compensation will be settled in equity. The Group has </div>\n<div class=\"t sb_106\" id=\"tk_106\" style=\"left:74px;bottom:616px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">no legal or constructive obligation to repurchase or settle the options. </div>\n<div class=\"t sb_106\" id=\"tl_106\" style=\"left:74px;bottom:585px;letter-spacing:-0.05px;word-spacing:-0.03px;display:inline;\">Share option and weighted average exercise price are as follows for the reporting </div>\n<div class=\"t sb_106\" id=\"tm_106\" style=\"left:74px;bottom:566px;letter-spacing:-0.03px;word-spacing:0.02px;display:inline;\">periods presented: </div>\n<div class=\"t sc_106\" id=\"tn_106\" style=\"left:338px;bottom:531px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_106\" id=\"to_106\" style=\"left:495px;bottom:531px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_106\" id=\"tp_106\" style=\"left:296px;bottom:444px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sc_106\" id=\"tq_106\" style=\"left:364px;bottom:508px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sc_106\" id=\"tr_106\" style=\"left:375px;bottom:492px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t sc_106\" id=\"ts_106\" style=\"left:374px;bottom:476px;letter-spacing:-0.03px;display:inline;\">exercise </div>\n<div class=\"t sc_106\" id=\"tt_106\" style=\"left:392px;bottom:460px;letter-spacing:-0.03px;display:inline;\">price </div>\n<div class=\"t sc_106\" id=\"tu_106\" style=\"left:387px;bottom:444px;letter-spacing:-0.03px;display:inline;\">Pence </div><div class=\"t sc_106\" id=\"tv_106\" style=\"left:452px;bottom:444px;letter-spacing:-0.01px;display:inline;\">Number </div>\n<div class=\"t sc_106\" id=\"tw_106\" style=\"left:520px;bottom:508px;letter-spacing:-0.08px;display:inline;\">Weighted </div>\n<div class=\"t sc_106\" id=\"tx_106\" style=\"left:531px;bottom:492px;letter-spacing:-0.07px;display:inline;\">average </div>\n<div class=\"t sc_106\" id=\"ty_106\" style=\"left:530px;bottom:476px;letter-spacing:-0.03px;display:inline;\">exercise </div>\n<div class=\"t sc_106\" id=\"tz_106\" style=\"left:548px;bottom:460px;letter-spacing:-0.03px;display:inline;\">price </div>\n<div class=\"t sc_106\" id=\"t10_106\" style=\"left:543px;bottom:444px;letter-spacing:-0.03px;display:inline;\">Pence </div>\n<div class=\"t sd_106\" id=\"t11_106\" style=\"left:78px;bottom:422px;letter-spacing:0.1px;word-spacing:-0.09px;display:inline;\">Outstanding at 1 January </div><div class=\"t se_106\" id=\"t12_106\" style=\"left:305px;bottom:422px;letter-spacing:0.08px;display:inline;\">226,743 </div><div class=\"t se_106\" id=\"t13_106\" style=\"left:395px;bottom:422px;letter-spacing:0.33px;display:inline;\">384.1 </div><div class=\"t sf_106\" id=\"t14_106\" style=\"left:461px;bottom:422px;letter-spacing:0.15px;display:inline;\">205,559 </div><div class=\"t sf_106\" id=\"t15_106\" style=\"left:552px;bottom:422px;letter-spacing:0.23px;display:inline;\">394.5 </div>\n<div class=\"t sd_106\" id=\"t16_106\" style=\"left:78px;bottom:400px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Options granted in year </div><div class=\"t s4_106\" id=\"t17_106\" style=\"left:340px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t s4_106\" id=\"t18_106\" style=\"left:418px;bottom:400px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t19_106\" style=\"left:467px;bottom:400px;letter-spacing:0.19px;display:inline;\">69,968 </div><div class=\"t sf_106\" id=\"t1a_106\" style=\"left:552px;bottom:400px;letter-spacing:0.09px;display:inline;\">343.0 </div>\n<div class=\"t sd_106\" id=\"t1b_106\" style=\"left:78px;bottom:378px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Options exercised in year </div><div class=\"t s4_106\" id=\"t1c_106\" style=\"left:340px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t s4_106\" id=\"t1d_106\" style=\"left:418px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t1e_106\" style=\"left:496px;bottom:378px;display:inline;\">\u2013 </div><div class=\"t sg_106\" id=\"t1f_106\" style=\"left:574px;bottom:378px;display:inline;\">\u2013 </div>\n<div class=\"t sd_106\" id=\"t1g_106\" style=\"left:78px;bottom:356px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Options cancelled or lapsed </div><div class=\"t se_106\" id=\"t1h_106\" style=\"left:309px;bottom:356px;letter-spacing:0.01px;display:inline;\">(17,492) </div><div class=\"t se_106\" id=\"t1i_106\" style=\"left:395px;bottom:356px;letter-spacing:0.2px;display:inline;\">343.0 </div><div class=\"t sf_106\" id=\"t1j_106\" style=\"left:465px;bottom:356px;letter-spacing:0.1px;display:inline;\">(48,784) </div><div class=\"t sg_106\" id=\"t1k_106\" style=\"left:552px;bottom:356px;letter-spacing:0.21px;display:inline;\">368.9 </div>\n<div class=\"t s4_106\" id=\"t1l_106\" style=\"left:78px;bottom:333px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Outstanding at 31 December </div><div class=\"t se_106\" id=\"t1m_106\" style=\"left:304px;bottom:333px;letter-spacing:0.23px;display:inline;\">209,251 </div><div class=\"t se_106\" id=\"t1n_106\" style=\"left:396px;bottom:333px;letter-spacing:-0.04px;display:inline;\">387.6 </div><div class=\"t sf_106\" id=\"t1o_106\" style=\"left:462px;bottom:333px;letter-spacing:-0.06px;display:inline;\">226,743 </div><div class=\"t sf_106\" id=\"t1p_106\" style=\"left:551px;bottom:333px;letter-spacing:0.25px;display:inline;\">384.1 </div>\n<div class=\"t sh_106\" id=\"t1q_106\" style=\"left:74px;bottom:294px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">The weighted average exercise price of 121,007 (2021: 95,294) share options exercisable </div>\n<div class=\"t sh_106\" id=\"t1r_106\" style=\"left:74px;bottom:276px;letter-spacing:-0.03px;display:inline;\">at 31\u00a0December 2022 was pence per share 446.35 (2021: 472.35). </div>\n<div class=\"t sb_106\" id=\"t1s_106\" style=\"left:74px;bottom:245px;letter-spacing:-0.17px;word-spacing:-0.02px;display:inline;\">There were no options granted under the CSOP scheme in 2022. </div>\n<div class=\"t sh_106\" id=\"t1t_106\" style=\"left:74px;bottom:213px;letter-spacing:-0.03px;display:inline;\">The weighted average remaining contracted life of outstanding options at 31 December </div>\n<div class=\"t sb_106\" id=\"t1u_106\" style=\"left:74px;bottom:195px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">2022 was five years and four months (2021: six years and three\u00a0months). The underlying </div>\n<div class=\"t sb_106\" id=\"t1v_106\" style=\"left:74px;bottom:177px;letter-spacing:-0.05px;word-spacing:-0.05px;display:inline;\">expected volatility was determined by reference to historical data. No special features </div>\n<div class=\"t sb_106\" id=\"t1w_106\" style=\"left:74px;bottom:157px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">imminent to the options granted were incorporated into the measurement of fair value. </div>\n<div class=\"t sb_106\" id=\"t1x_106\" style=\"left:74px;bottom:125px;letter-spacing:-0.05px;display:inline;\">In total, \u00a320,000 of employee compensation by way of share-based payment expense </div>\n<div class=\"t sb_106\" id=\"t1y_106\" style=\"left:74px;bottom:107px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">has been included in the consolidated income statement for 2022 (2021: \u00a311,000). </div>\n<div class=\"t sb_106\" id=\"t1z_106\" style=\"left:74px;bottom:89px;letter-spacing:-0.3px;word-spacing:-0.05px;display:inline;\">The corresponding credit is taken to equity. No liabilities were recognised due to share-based </div>\n<div class=\"t sb_106\" id=\"t20_106\" style=\"left:74px;bottom:70px;letter-spacing:-0.27px;display:inline;\">transactions. </div>\n<div class=\"t sa_106\" id=\"t21_106\" style=\"left:621px;bottom:767px;letter-spacing:-0.08px;word-spacing:-0.03px;display:inline;\">b) Long Term Incentive Plan (LTIP) </div>\n<div class=\"t sh_106\" id=\"t22_106\" style=\"left:621px;bottom:745px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">The Remuneration Committee approved a new LTIP scheme on 6 April 2021. Under the </div>\n<div class=\"t sb_106\" id=\"t23_106\" style=\"left:621px;bottom:726px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">scheme share options of Personal Group Holdings Plc are granted to senior executives </div>\n<div class=\"t sb_106\" id=\"t24_106\" style=\"left:621px;bottom:708px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">with an Exercise Price of 5p (nominal value of the shares). The share options have various </div>\n<div class=\"t sb_106\" id=\"t25_106\" style=\"left:621px;bottom:690px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">market and non-market performance conditions which are required to be achieved </div>\n<div class=\"t sb_106\" id=\"t26_106\" style=\"left:621px;bottom:671px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">for the options to vest. The options also contain service conditions that require option </div>\n<div class=\"t sb_106\" id=\"t27_106\" style=\"left:621px;bottom:653px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">holders to remain in employment of the\u00a0Group. </div>\n<div class=\"t si_106\" id=\"t28_106\" style=\"left:621px;bottom:623px;letter-spacing:-0.06px;word-spacing:-0.06px;display:inline;\">Total shareholder return (market condition) </div>\n<div class=\"t sb_106\" id=\"t29_106\" style=\"left:621px;bottom:603px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">50% of the awards vest under this condition. Subject to Compound Annual Growth Rate </div>\n<div class=\"t sb_106\" id=\"t2a_106\" style=\"left:621px;bottom:584px;letter-spacing:-0.07px;word-spacing:-0.02px;display:inline;\">(CAGR) of the Total Shareholder Return (TSR) over the Performance\u00a0Period. </div>\n<div class=\"t si_106\" id=\"t2b_106\" style=\"left:621px;bottom:554px;letter-spacing:-0.05px;word-spacing:-0.07px;display:inline;\">EBITDA targets (non-market condition) </div>\n<div class=\"t sh_106\" id=\"t2c_106\" style=\"left:621px;bottom:534px;letter-spacing:-0.05px;word-spacing:-0.06px;display:inline;\">35% of the awards vest under this condition. Subject to cumulative EBITDA over the </div>\n<div class=\"t sb_106\" id=\"t2d_106\" style=\"left:621px;bottom:516px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Performance Period. </div>\n<div class=\"t si_106\" id=\"t2e_106\" style=\"left:621px;bottom:486px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Environmental, social and governance targets (ESG) (non-market condition) </div>\n<div class=\"t sb_106\" id=\"t2f_106\" style=\"left:621px;bottom:465px;letter-spacing:-0.04px;word-spacing:-0.09px;display:inline;\">Up to 15% of the awards vest under this condition. The awards shall vest upon the </div>\n<div class=\"t sb_106\" id=\"t2g_106\" style=\"left:621px;bottom:447px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Remuneration Committee determining that all ESG targets have been\u00a0met. </div>\n<div class=\"t sb_106\" id=\"t2h_106\" style=\"left:621px;bottom:416px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">The fair value of the share options is estimated at the grant date using a Monte-Carlo </div>\n<div class=\"t sb_106\" id=\"t2i_106\" style=\"left:621px;bottom:397px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">binomial option pricing model for the market conditions, and a Black-Scholes pricing </div>\n<div class=\"t sb_106\" id=\"t2j_106\" style=\"left:621px;bottom:379px;letter-spacing:-0.06px;word-spacing:0.01px;display:inline;\">model for non-market conditions. However, the above performance condition is only </div>\n<div class=\"t sb_106\" id=\"t2k_106\" style=\"left:621px;bottom:361px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">considered in determining the number of instruments that will ultimately vest. </div>\n<div class=\"t sb_106\" id=\"t2l_106\" style=\"left:621px;bottom:329px;letter-spacing:-0.03px;display:inline;\">There are no cash settlements alternatives. The Group does not have a past practice </div>\n<div class=\"t sb_106\" id=\"t2m_106\" style=\"left:621px;bottom:311px;letter-spacing:-0.06px;word-spacing:-0.03px;display:inline;\">of cash settlement for these share options. The Group accounts for the LTIP as an </div>\n<div class=\"t sb_106\" id=\"t2n_106\" style=\"left:621px;bottom:293px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">equity-settled plan. </div>\n<div class=\"t sb_106\" id=\"t2o_106\" style=\"left:621px;bottom:261px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">Two tranches of awards have been made to date in April 2021 and April 2022. </div>\n<div class=\"t sh_106\" id=\"t2p_106\" style=\"left:621px;bottom:230px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">In total, \u00a3291,000 of employee share-based compensation has been included in the </div>\n<div class=\"t sh_106\" id=\"t2q_106\" style=\"left:621px;bottom:212px;letter-spacing:-0.16px;word-spacing:-0.03px;display:inline;\">consolidated income statement to 31 December 2022 (2021: \u00a3158,000). The corresponding </div>\ncredit is taken to equity. No liabilities were recognised from share-based transactions.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13474": {
   "value": "23 Deferred tax <div class=\"t s9_107\" id=\"td_107\" style=\"left:312px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t s9_107\" id=\"te_107\" style=\"left:486px;bottom:739px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"tf_107\" style=\"left:243px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tg_107\" style=\"left:280px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t s9_107\" id=\"th_107\" style=\"left:284px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"ti_107\" style=\"left:330px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tj_107\" style=\"left:347px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t s9_107\" id=\"tk_107\" style=\"left:371px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"tl_107\" style=\"left:416px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tm_107\" style=\"left:453px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Assets </div>\n<div class=\"t s9_107\" id=\"tn_107\" style=\"left:457px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"to_107\" style=\"left:503px;bottom:716px;letter-spacing:-0.06px;word-spacing:-0.26px;display:inline;\">Deferred Tax </div>\n<div class=\"t s9_107\" id=\"tp_107\" style=\"left:520px;bottom:700px;letter-spacing:-0.01px;display:inline;\">Liabilities </div>\n<div class=\"t s9_107\" id=\"tq_107\" style=\"left:544px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s4_107\" id=\"tr_107\" style=\"left:78px;bottom:662px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Non-current assets and </div>\n<div class=\"t s4_107\" id=\"ts_107\" style=\"left:78px;bottom:645px;letter-spacing:0.09px;display:inline;\">liabilities </div>\n<div class=\"t sa_107\" id=\"tt_107\" style=\"left:78px;bottom:623px;letter-spacing:0.05px;word-spacing:0.04px;display:inline;\">Property, plant and </div>\n<div class=\"t sa_107\" id=\"tu_107\" style=\"left:78px;bottom:605px;letter-spacing:0.12px;display:inline;\">equipment </div><div class=\"t sb_107\" id=\"tv_107\" style=\"left:305px;bottom:605px;letter-spacing:0.33px;display:inline;\">19 </div><div class=\"t s4_107\" id=\"tw_107\" style=\"left:385px;bottom:605px;letter-spacing:0.45px;display:inline;\">664 </div><div class=\"t sc_107\" id=\"tx_107\" style=\"left:479px;bottom:605px;letter-spacing:-0.08px;display:inline;\">17 </div><div class=\"t sc_107\" id=\"ty_107\" style=\"left:559px;bottom:605px;letter-spacing:0.18px;display:inline;\">429 </div>\n<div class=\"t sa_107\" id=\"tz_107\" style=\"left:78px;bottom:583px;letter-spacing:0.09px;word-spacing:-0.34px;display:inline;\">Intangible Assets </div><div class=\"t s4_107\" id=\"t10_107\" style=\"left:312px;bottom:583px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t11_107\" style=\"left:385px;bottom:583px;letter-spacing:0.36px;display:inline;\">102 </div><div class=\"t sd_107\" id=\"t12_107\" style=\"left:485px;bottom:583px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t13_107\" style=\"left:565px;bottom:583px;letter-spacing:0.42px;display:inline;\">66 </div>\n<div class=\"t sa_107\" id=\"t14_107\" style=\"left:78px;bottom:561px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Share Options </div><div class=\"t s4_107\" id=\"t15_107\" style=\"left:305px;bottom:561px;letter-spacing:0.4px;display:inline;\">66 </div><div class=\"t s4_107\" id=\"t16_107\" style=\"left:398px;bottom:561px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t17_107\" style=\"left:485px;bottom:561px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t18_107\" style=\"left:571px;bottom:561px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t19_107\" style=\"left:305px;bottom:539px;letter-spacing:0.26px;display:inline;\">85 </div><div class=\"t s4_107\" id=\"t1a_107\" style=\"left:386px;bottom:539px;letter-spacing:0.28px;display:inline;\">766 </div><div class=\"t sc_107\" id=\"t1b_107\" style=\"left:479px;bottom:539px;letter-spacing:-0.08px;display:inline;\">17 </div><div class=\"t sc_107\" id=\"t1c_107\" style=\"left:559px;bottom:539px;letter-spacing:0.2px;display:inline;\">495 </div>\n<div class=\"t sa_107\" id=\"t1d_107\" style=\"left:78px;bottom:517px;letter-spacing:0.1px;display:inline;\">Offset </div><div class=\"t s4_107\" id=\"t1e_107\" style=\"left:302px;bottom:517px;letter-spacing:0.19px;display:inline;\">(85) </div><div class=\"t s4_107\" id=\"t1f_107\" style=\"left:388px;bottom:517px;letter-spacing:0.19px;display:inline;\">(85) </div><div class=\"t sc_107\" id=\"t1g_107\" style=\"left:476px;bottom:517px;letter-spacing:0.11px;display:inline;\">(17) </div><div class=\"t sc_107\" id=\"t1h_107\" style=\"left:562px;bottom:517px;letter-spacing:0.11px;display:inline;\">(17) </div>\n<div class=\"t s4_107\" id=\"t1i_107\" style=\"left:78px;bottom:494px;letter-spacing:0.04px;word-spacing:-0.02px;display:inline;\">Total deferred tax </div><div class=\"t s4_107\" id=\"t1j_107\" style=\"left:312px;bottom:494px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t1k_107\" style=\"left:385px;bottom:494px;letter-spacing:0.36px;display:inline;\">681 </div><div class=\"t sd_107\" id=\"t1l_107\" style=\"left:485px;bottom:494px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t1m_107\" style=\"left:559px;bottom:494px;letter-spacing:0.07px;display:inline;\">478 </div>\n<div class=\"t s9_107\" id=\"t1n_107\" style=\"left:462px;bottom:451px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t1o_107\" style=\"left:457px;bottom:435px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t1p_107\" style=\"left:550px;bottom:451px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t1q_107\" style=\"left:544px;bottom:435px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t1r_107\" style=\"left:78px;bottom:413px;letter-spacing:0.06px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t s4_107\" id=\"t1s_107\" style=\"left:469px;bottom:413px;letter-spacing:0.08px;display:inline;\">(478) </div><div class=\"t sd_107\" id=\"t1t_107\" style=\"left:555px;bottom:413px;letter-spacing:0.24px;display:inline;\">(399) </div>\n<div class=\"t sa_107\" id=\"t1u_107\" style=\"left:78px;bottom:391px;letter-spacing:0.09px;word-spacing:-0.33px;display:inline;\">Business Acquisition </div><div class=\"t sb_107\" id=\"t1v_107\" style=\"left:475px;bottom:391px;letter-spacing:0.15px;display:inline;\">(81) </div><div class=\"t sd_107\" id=\"t1w_107\" style=\"left:572px;bottom:391px;display:inline;\">\u2013 </div>\n<div class=\"t sa_107\" id=\"t1x_107\" style=\"left:78px;bottom:369px;letter-spacing:0.05px;word-spacing:-0.1px;display:inline;\">Current year movement </div><div class=\"t sb_107\" id=\"t1y_107\" style=\"left:469px;bottom:369px;letter-spacing:0.19px;display:inline;\">(122) </div><div class=\"t sc_107\" id=\"t1z_107\" style=\"left:562px;bottom:369px;letter-spacing:0.14px;display:inline;\">(12) </div>\n<div class=\"t sa_107\" id=\"t20_107\" style=\"left:78px;bottom:346px;letter-spacing:0.08px;word-spacing:-0.03px;display:inline;\">Movement in provisions due to tax rate changes </div><div class=\"t s4_107\" id=\"t21_107\" style=\"left:485px;bottom:346px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t22_107\" style=\"left:562px;bottom:346px;letter-spacing:0.22px;display:inline;\">(67) </div>\n<div class=\"t sa_107\" id=\"t23_107\" style=\"left:78px;bottom:324px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_107\" id=\"t24_107\" style=\"left:468px;bottom:324px;letter-spacing:0.22px;display:inline;\">(681) </div><div class=\"t sd_107\" id=\"t25_107\" style=\"left:556px;bottom:324px;letter-spacing:0.04px;display:inline;\">(478) </div>\n<div class=\"t se_107\" id=\"t26_107\" style=\"left:74px;bottom:285px;letter-spacing:-0.17px;display:inline;\">At 31 December 2022 the Group had tax losses of \u00a3940,000 (2021: \u00a3945,000) in one of </div>\n<div class=\"t sf_107\" id=\"t27_107\" style=\"left:74px;bottom:267px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">its subsidiaries available to carry forward to offset against future profits of the same </div>\n<div class=\"t sf_107\" id=\"t28_107\" style=\"left:74px;bottom:249px;letter-spacing:-0.04px;word-spacing:-0.04px;display:inline;\">trades. A deferred tax asset has not been recognised in respect of the carried forward </div>\n<div class=\"t sf_107\" id=\"t29_107\" style=\"left:74px;bottom:230px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">tax losses as there is uncertainty as to whether they will be utilised given the trade is </div>\nno longer a significant component of the\u00a0Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13548": {
   "value": "24 Trade and other payables <div class=\"t s9_107\" id=\"t2c_107\" style=\"left:626px;bottom:700px;letter-spacing:-0.02px;display:inline;\">Current </div>\n<div class=\"t s9_107\" id=\"t2d_107\" style=\"left:909px;bottom:739px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t s9_107\" id=\"t2e_107\" style=\"left:1038px;bottom:739px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t s9_107\" id=\"t2f_107\" style=\"left:888px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t2g_107\" style=\"left:884px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2h_107\" style=\"left:959px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t2i_107\" style=\"left:953px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2j_107\" style=\"left:1027px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t2k_107\" style=\"left:1022px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2l_107\" style=\"left:1098px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t2m_107\" style=\"left:1092px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t2n_107\" style=\"left:626px;bottom:678px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Financial liabilities measured at amortised </div>\n<div class=\"t sa_107\" id=\"t2o_107\" style=\"left:626px;bottom:661px;letter-spacing:0.07px;display:inline;\">cost: </div>\n<div class=\"t sa_107\" id=\"t2p_107\" style=\"left:626px;bottom:639px;letter-spacing:0.09px;word-spacing:-0.21px;display:inline;\">Amounts owed to subsidiary undertakings </div><div class=\"t s4_107\" id=\"t2q_107\" style=\"left:914px;bottom:639px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t2r_107\" style=\"left:983px;bottom:639px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t2s_107\" style=\"left:1040px;bottom:639px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t sc_107\" id=\"t2t_107\" style=\"left:1109px;bottom:639px;letter-spacing:0.32px;display:inline;\">257 </div>\n<div class=\"t sa_107\" id=\"t2u_107\" style=\"left:626px;bottom:617px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Other creditors </div><div class=\"t sb_107\" id=\"t2v_107\" style=\"left:891px;bottom:617px;letter-spacing:0.36px;display:inline;\">8,106 </div><div class=\"t sc_107\" id=\"t2w_107\" style=\"left:961px;bottom:617px;letter-spacing:0.26px;display:inline;\">8,099 </div><div class=\"t sb_107\" id=\"t2x_107\" style=\"left:1046px;bottom:617px;letter-spacing:0.41px;display:inline;\">80 </div><div class=\"t sc_107\" id=\"t2y_107\" style=\"left:1115px;bottom:617px;letter-spacing:0.26px;display:inline;\">26 </div>\n<div class=\"t sa_107\" id=\"t2z_107\" style=\"left:626px;bottom:594px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Right of use creditor </div><div class=\"t sb_107\" id=\"t30_107\" style=\"left:900px;bottom:594px;letter-spacing:0.48px;display:inline;\">148 </div><div class=\"t sc_107\" id=\"t31_107\" style=\"left:977px;bottom:594px;letter-spacing:0.18px;display:inline;\">72 </div><div class=\"t sb_107\" id=\"t32_107\" style=\"left:1039px;bottom:594px;letter-spacing:0.29px;display:inline;\">211 </div><div class=\"t sd_107\" id=\"t33_107\" style=\"left:1121px;bottom:594px;display:inline;\">\u2013 </div>\n<div class=\"t sa_107\" id=\"t34_107\" style=\"left:626px;bottom:572px;letter-spacing:0.08px;display:inline;\">Accruals </div><div class=\"t sb_107\" id=\"t35_107\" style=\"left:890px;bottom:572px;letter-spacing:0.43px;display:inline;\">1,964 </div><div class=\"t sc_107\" id=\"t36_107\" style=\"left:961px;bottom:572px;letter-spacing:0.27px;display:inline;\">3,290 </div><div class=\"t s4_107\" id=\"t37_107\" style=\"left:1052px;bottom:572px;display:inline;\">\u2013 </div><div class=\"t sc_107\" id=\"t38_107\" style=\"left:1109px;bottom:572px;letter-spacing:0.21px;display:inline;\">214 </div>\n<div class=\"t sa_107\" id=\"t39_107\" style=\"left:626px;bottom:550px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Deferred income </div><div class=\"t sb_107\" id=\"t3a_107\" style=\"left:890px;bottom:550px;letter-spacing:0.41px;display:inline;\">1,128 </div><div class=\"t sc_107\" id=\"t3b_107\" style=\"left:970px;bottom:550px;letter-spacing:0.29px;display:inline;\">895 </div><div class=\"t s4_107\" id=\"t3c_107\" style=\"left:1052px;bottom:550px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t3d_107\" style=\"left:1121px;bottom:550px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t3e_107\" style=\"left:626px;bottom:528px;letter-spacing:0.04px;word-spacing:0.02px;display:inline;\">Total trade and other payables </div><div class=\"t sb_107\" id=\"t3f_107\" style=\"left:884px;bottom:528px;letter-spacing:0.42px;display:inline;\">11,346 </div><div class=\"t sc_107\" id=\"t3g_107\" style=\"left:954px;bottom:528px;letter-spacing:0.3px;display:inline;\">12,356 </div><div class=\"t sb_107\" id=\"t3h_107\" style=\"left:1039px;bottom:528px;letter-spacing:0.29px;display:inline;\">722 </div><div class=\"t sd_107\" id=\"t3i_107\" style=\"left:1109px;bottom:528px;letter-spacing:0.07px;display:inline;\">497 </div>\n<div class=\"t s9_107\" id=\"t3j_107\" style=\"left:626px;bottom:446px;letter-spacing:-0.02px;display:inline;\">Non-Current </div>\n<div class=\"t s9_107\" id=\"t3k_107\" style=\"left:909px;bottom:484px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t s9_107\" id=\"t3l_107\" style=\"left:1038px;bottom:484px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t s9_107\" id=\"t3m_107\" style=\"left:888px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t3n_107\" style=\"left:884px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3o_107\" style=\"left:959px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t3p_107\" style=\"left:953px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3q_107\" style=\"left:1027px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t3r_107\" style=\"left:1022px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3s_107\" style=\"left:1098px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t3t_107\" style=\"left:1092px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t3u_107\" style=\"left:626px;bottom:424px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Right of use creditor </div><div class=\"t sb_107\" id=\"t3v_107\" style=\"left:899px;bottom:424px;letter-spacing:0.38px;display:inline;\">130 </div><div class=\"t sc_107\" id=\"t3w_107\" style=\"left:968px;bottom:424px;letter-spacing:0.42px;display:inline;\">402 </div><div class=\"t s4_107\" id=\"t3x_107\" style=\"left:1050px;bottom:424px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t3y_107\" style=\"left:1119px;bottom:424px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t3z_107\" style=\"left:626px;bottom:402px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sb_107\" id=\"t40_107\" style=\"left:899px;bottom:402px;letter-spacing:0.38px;display:inline;\">130 </div><div class=\"t sc_107\" id=\"t41_107\" style=\"left:968px;bottom:402px;letter-spacing:0.42px;display:inline;\">402 </div><div class=\"t s4_107\" id=\"t42_107\" style=\"left:1050px;bottom:402px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t43_107\" style=\"left:1119px;bottom:402px;display:inline;\">\u2013 </div>\n<div class=\"t sf_107\" id=\"t44_107\" style=\"left:621px;bottom:363px;letter-spacing:-0.04px;word-spacing:0.01px;display:inline;\">These liabilities are not secured against any assets of the Group. </div>\n<div class=\"t sf_107\" id=\"t45_107\" style=\"left:621px;bottom:331px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Other creditors include insurance and non-insurance trade creditors, and creditors </div>\nrelating to e-vouchers from the platform.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13551": {
   "value": "Current <div class=\"t s9_107\" id=\"t2d_107\" style=\"left:909px;bottom:739px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t s9_107\" id=\"t2e_107\" style=\"left:1038px;bottom:739px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t s9_107\" id=\"t2f_107\" style=\"left:888px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t2g_107\" style=\"left:884px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2h_107\" style=\"left:959px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t2i_107\" style=\"left:953px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2j_107\" style=\"left:1027px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t2k_107\" style=\"left:1022px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t2l_107\" style=\"left:1098px;bottom:716px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t2m_107\" style=\"left:1092px;bottom:700px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t2n_107\" style=\"left:626px;bottom:678px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Financial liabilities measured at amortised </div>\n<div class=\"t sa_107\" id=\"t2o_107\" style=\"left:626px;bottom:661px;letter-spacing:0.07px;display:inline;\">cost: </div>\n<div class=\"t sa_107\" id=\"t2p_107\" style=\"left:626px;bottom:639px;letter-spacing:0.09px;word-spacing:-0.21px;display:inline;\">Amounts owed to subsidiary undertakings </div><div class=\"t s4_107\" id=\"t2q_107\" style=\"left:914px;bottom:639px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t2r_107\" style=\"left:983px;bottom:639px;display:inline;\">\u2013 </div><div class=\"t sb_107\" id=\"t2s_107\" style=\"left:1040px;bottom:639px;letter-spacing:0.22px;display:inline;\">431 </div><div class=\"t sc_107\" id=\"t2t_107\" style=\"left:1109px;bottom:639px;letter-spacing:0.32px;display:inline;\">257 </div>\n<div class=\"t sa_107\" id=\"t2u_107\" style=\"left:626px;bottom:617px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Other creditors </div><div class=\"t sb_107\" id=\"t2v_107\" style=\"left:891px;bottom:617px;letter-spacing:0.36px;display:inline;\">8,106 </div><div class=\"t sc_107\" id=\"t2w_107\" style=\"left:961px;bottom:617px;letter-spacing:0.26px;display:inline;\">8,099 </div><div class=\"t sb_107\" id=\"t2x_107\" style=\"left:1046px;bottom:617px;letter-spacing:0.41px;display:inline;\">80 </div><div class=\"t sc_107\" id=\"t2y_107\" style=\"left:1115px;bottom:617px;letter-spacing:0.26px;display:inline;\">26 </div>\n<div class=\"t sa_107\" id=\"t2z_107\" style=\"left:626px;bottom:594px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Right of use creditor </div><div class=\"t sb_107\" id=\"t30_107\" style=\"left:900px;bottom:594px;letter-spacing:0.48px;display:inline;\">148 </div><div class=\"t sc_107\" id=\"t31_107\" style=\"left:977px;bottom:594px;letter-spacing:0.18px;display:inline;\">72 </div><div class=\"t sb_107\" id=\"t32_107\" style=\"left:1039px;bottom:594px;letter-spacing:0.29px;display:inline;\">211 </div><div class=\"t sd_107\" id=\"t33_107\" style=\"left:1121px;bottom:594px;display:inline;\">\u2013 </div>\n<div class=\"t sa_107\" id=\"t34_107\" style=\"left:626px;bottom:572px;letter-spacing:0.08px;display:inline;\">Accruals </div><div class=\"t sb_107\" id=\"t35_107\" style=\"left:890px;bottom:572px;letter-spacing:0.43px;display:inline;\">1,964 </div><div class=\"t sc_107\" id=\"t36_107\" style=\"left:961px;bottom:572px;letter-spacing:0.27px;display:inline;\">3,290 </div><div class=\"t s4_107\" id=\"t37_107\" style=\"left:1052px;bottom:572px;display:inline;\">\u2013 </div><div class=\"t sc_107\" id=\"t38_107\" style=\"left:1109px;bottom:572px;letter-spacing:0.21px;display:inline;\">214 </div>\n<div class=\"t sa_107\" id=\"t39_107\" style=\"left:626px;bottom:550px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">Deferred income </div><div class=\"t sb_107\" id=\"t3a_107\" style=\"left:890px;bottom:550px;letter-spacing:0.41px;display:inline;\">1,128 </div><div class=\"t sc_107\" id=\"t3b_107\" style=\"left:970px;bottom:550px;letter-spacing:0.29px;display:inline;\">895 </div><div class=\"t s4_107\" id=\"t3c_107\" style=\"left:1052px;bottom:550px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t3d_107\" style=\"left:1121px;bottom:550px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t3e_107\" style=\"left:626px;bottom:528px;letter-spacing:0.04px;word-spacing:0.02px;display:inline;\">Total trade and other payables </div><div class=\"t sb_107\" id=\"t3f_107\" style=\"left:884px;bottom:528px;letter-spacing:0.42px;display:inline;\">11,346 </div><div class=\"t sc_107\" id=\"t3g_107\" style=\"left:954px;bottom:528px;letter-spacing:0.3px;display:inline;\">12,356 </div><div class=\"t sb_107\" id=\"t3h_107\" style=\"left:1039px;bottom:528px;letter-spacing:0.29px;display:inline;\">722 </div>497",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13597": {
   "value": "Non-Current <div class=\"t s9_107\" id=\"t3k_107\" style=\"left:909px;bottom:484px;letter-spacing:-0.02px;display:inline;\">Group </div><div class=\"t s9_107\" id=\"t3l_107\" style=\"left:1038px;bottom:484px;letter-spacing:-0.05px;display:inline;\">Company </div>\n<div class=\"t s9_107\" id=\"t3m_107\" style=\"left:888px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t3n_107\" style=\"left:884px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3o_107\" style=\"left:959px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t3p_107\" style=\"left:953px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3q_107\" style=\"left:1027px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t3r_107\" style=\"left:1022px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t3s_107\" style=\"left:1098px;bottom:462px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t3t_107\" style=\"left:1092px;bottom:446px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t3u_107\" style=\"left:626px;bottom:424px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Right of use creditor </div><div class=\"t sb_107\" id=\"t3v_107\" style=\"left:899px;bottom:424px;letter-spacing:0.38px;display:inline;\">130 </div><div class=\"t sc_107\" id=\"t3w_107\" style=\"left:968px;bottom:424px;letter-spacing:0.42px;display:inline;\">402 </div><div class=\"t s4_107\" id=\"t3x_107\" style=\"left:1050px;bottom:424px;display:inline;\">\u2013 </div><div class=\"t sd_107\" id=\"t3y_107\" style=\"left:1119px;bottom:424px;display:inline;\">\u2013 </div>\n<div class=\"t s4_107\" id=\"t3z_107\" style=\"left:626px;bottom:402px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sb_107\" id=\"t40_107\" style=\"left:899px;bottom:402px;letter-spacing:0.38px;display:inline;\">130 </div><div class=\"t sc_107\" id=\"t41_107\" style=\"left:968px;bottom:402px;letter-spacing:0.42px;display:inline;\">402 </div><div class=\"t s4_107\" id=\"t42_107\" style=\"left:1050px;bottom:402px;display:inline;\">\u2013 </div>\u2013 ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13625": {
   "value": "25 Insurance contract liabilities <div class=\"t s9_107\" id=\"t48_107\" style=\"left:1027px;bottom:253px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_107\" id=\"t49_107\" style=\"left:1022px;bottom:237px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_107\" id=\"t4a_107\" style=\"left:1098px;bottom:253px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_107\" id=\"t4b_107\" style=\"left:1092px;bottom:237px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_107\" id=\"t4c_107\" style=\"left:626px;bottom:215px;letter-spacing:0.06px;word-spacing:-0.04px;display:inline;\">Provision for claims </div><div class=\"t sb_107\" id=\"t4d_107\" style=\"left:1027px;bottom:215px;letter-spacing:0.4px;display:inline;\">2,194 </div><div class=\"t sc_107\" id=\"t4e_107\" style=\"left:1097px;bottom:215px;letter-spacing:0.21px;display:inline;\">2,061 </div>\n<div class=\"t sa_107\" id=\"t4f_107\" style=\"left:626px;bottom:193px;letter-spacing:0.1px;display:inline;\">Claims settlement expenses </div><div class=\"t sb_107\" id=\"t4g_107\" style=\"left:1037px;bottom:193px;letter-spacing:0.28px;display:inline;\">127 </div><div class=\"t sc_107\" id=\"t4h_107\" style=\"left:1107px;bottom:193px;letter-spacing:0.23px;display:inline;\">127 </div>\n<div class=\"t sa_107\" id=\"t4i_107\" style=\"left:626px;bottom:171px;letter-spacing:0.11px;word-spacing:0.01px;display:inline;\">Unearned premiums </div><div class=\"t sb_107\" id=\"t4j_107\" style=\"left:1027px;bottom:171px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t sd_107\" id=\"t4k_107\" style=\"left:1106px;bottom:171px;letter-spacing:0.39px;display:inline;\">899 </div>\n<div class=\"t s4_107\" id=\"t4l_107\" style=\"left:626px;bottom:149px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Total insurance contract liabilities </div><div class=\"t sb_107\" id=\"t4m_107\" style=\"left:1028px;bottom:149px;letter-spacing:0.09px;display:inline;\">3,474 </div><div class=\"t sc_107\" id=\"t4n_107\" style=\"left:1097px;bottom:149px;letter-spacing:0.16px;display:inline;\">3,087 </div><div></div><div class=\"t s1_108\" id=\"t1_108\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_108\" id=\"t2_108\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_108\" id=\"t3_108\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"></div>\n<div class=\"t s3_108\" id=\"t4_108\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_108\" id=\"t5_108\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_108\" id=\"t6_108\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"></div>\n<div class=\"t s4_108\" id=\"t7_108\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_108\" id=\"t8_108\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_108\" id=\"t9_108\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"></div>\n\n\n<div class=\"t sa_108\" id=\"te_108\" style=\"left:74px;bottom:743px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The provision for claims represents the gross estimated liability arising from claim </div>\n<div class=\"t sa_108\" id=\"tf_108\" style=\"left:74px;bottom:725px;letter-spacing:-0.16px;word-spacing:-0.07px;display:inline;\">episodes in the current and preceding financial years which have not given rise to claims </div>\n<div class=\"t sa_108\" id=\"tg_108\" style=\"left:74px;bottom:707px;letter-spacing:-0.16px;word-spacing:-0.01px;display:inline;\">paid. It is estimated based on current information, and the ultimate liability may vary as </div>\n<div class=\"t sa_108\" id=\"th_108\" style=\"left:74px;bottom:688px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">a result of subsequent information and events. Adjustments to the amount of claims </div>\n<div class=\"t sa_108\" id=\"ti_108\" style=\"left:74px;bottom:670px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">provision for prior years are included in the Income Statement in the financial year in </div>\n<div class=\"t sa_108\" id=\"tj_108\" style=\"left:74px;bottom:652px;letter-spacing:-0.01px;word-spacing:-0.06px;display:inline;\">which the change is made. </div>\n<div class=\"t sa_108\" id=\"tk_108\" style=\"left:74px;bottom:620px;letter-spacing:-0.16px;word-spacing:-0.05px;display:inline;\">The valuation of the provision for claims outstanding in the Group\u2019s subsidiary, Personal </div>\n<div class=\"t sa_108\" id=\"tl_108\" style=\"left:74px;bottom:602px;letter-spacing:-0.17px;word-spacing:0.04px;display:inline;\">Assurance Plc, of \u00a31,298,000 (2021: \u00a31,121,000) is estimated by using a Chain Ladder </div>\n<div class=\"t sa_108\" id=\"tm_108\" style=\"left:74px;bottom:584px;letter-spacing:-0.15px;word-spacing:-0.09px;display:inline;\">method, and the main assumption underlying this technique is that the Company\u2019s past </div>\n<div class=\"t sa_108\" id=\"tn_108\" style=\"left:74px;bottom:565px;letter-spacing:-0.16px;word-spacing:-0.02px;display:inline;\">claims development experience can be used to project future claims development and </div>\n<div class=\"t sa_108\" id=\"to_108\" style=\"left:74px;bottom:547px;letter-spacing:-0.15px;word-spacing:0.02px;display:inline;\">hence ultimate claims\u00a0costs. </div>\n<div class=\"t sa_108\" id=\"tp_108\" style=\"left:621px;bottom:768px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">The valuation of the provision for claims outstanding in the Group's subsidiary, Personal </div>\n<div class=\"t sa_108\" id=\"tq_108\" style=\"left:621px;bottom:749px;letter-spacing:-0.03px;word-spacing:0.01px;display:inline;\">Assurance Group Guernsey Limited of \u00a3836,000 (2021: \u00a3933,000) is also estimated based </div>\n<div class=\"t sa_108\" id=\"tr_108\" style=\"left:621px;bottom:731px;letter-spacing:-0.02px;word-spacing:-0.04px;display:inline;\">on the Company's past claims experience to predict future claims and claims costs. </div>\n<div class=\"t sa_108\" id=\"ts_108\" style=\"left:621px;bottom:700px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">It is estimated that the majority of all claims will be paid within 12 months and therefore </div>\n<div class=\"t sa_108\" id=\"tt_108\" style=\"left:621px;bottom:681px;letter-spacing:-0.02px;word-spacing:0.02px;display:inline;\">claims development information is not disclosed. </div>\n<div class=\"t sa_108\" id=\"tu_108\" style=\"left:621px;bottom:650px;letter-spacing:-0.02px;word-spacing:-0.02px;display:inline;\">In setting the provision for claims outstanding, a best estimate is determined on </div>\n<div class=\"t sa_108\" id=\"tv_108\" style=\"left:621px;bottom:632px;letter-spacing:-0.02px;word-spacing:-0.03px;display:inline;\">an undiscounted basis and then a margin of prudence is added such that there is </div>\n<div class=\"t sa_108\" id=\"tw_108\" style=\"left:621px;bottom:613px;letter-spacing:-0.04px;word-spacing:-0.07px;display:inline;\">confidence that future claims will be met from the provisions. The level of prudence set </div>\n<div class=\"t sa_108\" id=\"tx_108\" style=\"left:621px;bottom:595px;letter-spacing:-0.04px;display:inline;\">is one that provides an appropriate degree of confidence. </div>\n<div class=\"t sb_108\" id=\"ty_108\" style=\"left:74px;bottom:517px;letter-spacing:-0.03px;word-spacing:-0.09px;display:inline;\">a) Claims </div>\n<div class=\"t sc_108\" id=\"tz_108\" style=\"left:691px;bottom:490px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_108\" id=\"t10_108\" style=\"left:978px;bottom:490px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_108\" id=\"t11_108\" style=\"left:617px;bottom:468px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t12_108\" style=\"left:615px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t13_108\" style=\"left:672px;bottom:468px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t14_108\" style=\"left:711px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t15_108\" style=\"left:818px;bottom:468px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t16_108\" style=\"left:806px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t17_108\" style=\"left:903px;bottom:468px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t18_108\" style=\"left:901px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t19_108\" style=\"left:958px;bottom:468px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t1a_108\" style=\"left:996px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t1b_108\" style=\"left:1104px;bottom:468px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t1c_108\" style=\"left:1092px;bottom:452px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sd_108\" id=\"t1d_108\" style=\"left:78px;bottom:430px;letter-spacing:0.07px;word-spacing:-0.06px;display:inline;\">Provision for claims at 1 January </div><div class=\"t se_108\" id=\"t1e_108\" style=\"left:620px;bottom:430px;letter-spacing:0.32px;display:inline;\">2,061 </div><div class=\"t se_108\" id=\"t1f_108\" style=\"left:728px;bottom:430px;letter-spacing:0.22px;display:inline;\">(57) </div><div class=\"t se_108\" id=\"t1g_108\" style=\"left:810px;bottom:430px;letter-spacing:0.4px;display:inline;\">2,004 </div><div class=\"t sf_108\" id=\"t1h_108\" style=\"left:907px;bottom:430px;letter-spacing:0.24px;display:inline;\">2,336 </div><div class=\"t sf_108\" id=\"t1i_108\" style=\"left:1015px;bottom:430px;letter-spacing:0.13px;display:inline;\">(18) </div><div class=\"t sf_108\" id=\"t1j_108\" style=\"left:1097px;bottom:430px;letter-spacing:0.24px;display:inline;\">2,318 </div>\n<div class=\"t sd_108\" id=\"t1k_108\" style=\"left:78px;bottom:408px;letter-spacing:0.08px;word-spacing:-0.12px;display:inline;\">Claims paid during the financial year </div><div class=\"t se_108\" id=\"t1l_108\" style=\"left:617px;bottom:408px;letter-spacing:0.18px;display:inline;\">(6,353) </div><div class=\"t s4_108\" id=\"t1m_108\" style=\"left:732px;bottom:408px;letter-spacing:0.4px;display:inline;\">66 </div><div class=\"t se_108\" id=\"t1n_108\" style=\"left:807px;bottom:408px;letter-spacing:0.28px;display:inline;\">(6,287) </div><div class=\"t sf_108\" id=\"t1o_108\" style=\"left:903px;bottom:408px;letter-spacing:0.23px;display:inline;\">(5,884) </div><div class=\"t sf_108\" id=\"t1p_108\" style=\"left:1018px;bottom:408px;letter-spacing:0.26px;display:inline;\">63 </div><div class=\"t sf_108\" id=\"t1q_108\" style=\"left:1094px;bottom:408px;letter-spacing:0.16px;display:inline;\">(5,821) </div>\n<div class=\"t sd_108\" id=\"t1r_108\" style=\"left:78px;bottom:386px;letter-spacing:0.07px;word-spacing:0.02px;display:inline;\">Increase/(decrease) in liabilities: </div>\n<div class=\"t sd_108\" id=\"t1s_108\" style=\"left:95px;bottom:363px;letter-spacing:0.07px;word-spacing:-0.08px;display:inline;\">Arising from current year claims </div><div class=\"t se_108\" id=\"t1t_108\" style=\"left:621px;bottom:363px;letter-spacing:0.19px;display:inline;\">6,627 </div><div class=\"t se_108\" id=\"t1u_108\" style=\"left:728px;bottom:363px;letter-spacing:0.19px;display:inline;\">(16) </div><div class=\"t se_108\" id=\"t1v_108\" style=\"left:811px;bottom:363px;letter-spacing:0.23px;display:inline;\">6,611 </div><div class=\"t sf_108\" id=\"t1w_108\" style=\"left:907px;bottom:363px;letter-spacing:0.23px;display:inline;\">6,469 </div><div class=\"t sf_108\" id=\"t1x_108\" style=\"left:1015px;bottom:363px;display:inline;\">(43) </div><div class=\"t sf_108\" id=\"t1y_108\" style=\"left:1098px;bottom:363px;letter-spacing:0.13px;display:inline;\">6,426 </div>\n<div class=\"t sd_108\" id=\"t1z_108\" style=\"left:95px;bottom:341px;letter-spacing:0.06px;word-spacing:-0.08px;display:inline;\">Arising from prior year claims </div><div class=\"t se_108\" id=\"t20_108\" style=\"left:626px;bottom:341px;letter-spacing:0.26px;display:inline;\">(141) </div><div class=\"t s4_108\" id=\"t21_108\" style=\"left:728px;bottom:341px;letter-spacing:0.17px;display:inline;\">(48) </div><div class=\"t se_108\" id=\"t22_108\" style=\"left:817px;bottom:341px;letter-spacing:0.23px;display:inline;\">(189) </div><div class=\"t sf_108\" id=\"t23_108\" style=\"left:913px;bottom:341px;letter-spacing:0.24px;display:inline;\">(860) </div><div class=\"t sf_108\" id=\"t24_108\" style=\"left:1015px;bottom:341px;letter-spacing:0.1px;display:inline;\">(59) </div><div class=\"t sf_108\" id=\"t25_108\" style=\"left:1104px;bottom:341px;letter-spacing:0.14px;display:inline;\">(919) </div>\n<div class=\"t sd_108\" id=\"t26_108\" style=\"left:78px;bottom:319px;word-spacing:0.12px;display:inline;\">Total movement </div><div class=\"t se_108\" id=\"t27_108\" style=\"left:630px;bottom:319px;letter-spacing:0.28px;display:inline;\">133 </div><div class=\"t se_108\" id=\"t28_108\" style=\"left:739px;bottom:319px;display:inline;\">2 </div><div class=\"t se_108\" id=\"t29_108\" style=\"left:821px;bottom:319px;letter-spacing:0.3px;display:inline;\">135 </div><div class=\"t sf_108\" id=\"t2a_108\" style=\"left:913px;bottom:319px;letter-spacing:0.12px;display:inline;\">(275) </div><div class=\"t sf_108\" id=\"t2b_108\" style=\"left:1015px;bottom:319px;letter-spacing:0.18px;display:inline;\">(39) </div><div class=\"t sf_108\" id=\"t2c_108\" style=\"left:1104px;bottom:319px;letter-spacing:0.14px;display:inline;\">(314) </div>\n<div class=\"t s4_108\" id=\"t2d_108\" style=\"left:78px;bottom:297px;letter-spacing:0.08px;display:inline;\">Provision for claims at 31 December </div><div class=\"t se_108\" id=\"t2e_108\" style=\"left:620px;bottom:297px;letter-spacing:0.4px;display:inline;\">2,194 </div><div class=\"t se_108\" id=\"t2f_108\" style=\"left:728px;bottom:297px;letter-spacing:0.16px;display:inline;\">(55) </div><div class=\"t se_108\" id=\"t2g_108\" style=\"left:810px;bottom:297px;letter-spacing:0.38px;display:inline;\">2,139 </div><div class=\"t sf_108\" id=\"t2h_108\" style=\"left:907px;bottom:297px;letter-spacing:0.21px;display:inline;\">2,061 </div><div class=\"t sg_108\" id=\"t2i_108\" style=\"left:1014px;bottom:297px;letter-spacing:0.24px;display:inline;\">(57) </div><div class=\"t sf_108\" id=\"t2j_108\" style=\"left:1097px;bottom:297px;letter-spacing:0.33px;display:inline;\">2,004 </div>\n<div class=\"t sb_108\" id=\"t2k_108\" style=\"left:74px;bottom:259px;letter-spacing:-0.03px;word-spacing:-0.1px;display:inline;\">b) Unearned premiums </div>\n<div class=\"t sc_108\" id=\"t2l_108\" style=\"left:691px;bottom:232px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sc_108\" id=\"t2m_108\" style=\"left:978px;bottom:232px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sc_108\" id=\"t2n_108\" style=\"left:617px;bottom:210px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t2o_108\" style=\"left:615px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2p_108\" style=\"left:672px;bottom:210px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t2q_108\" style=\"left:711px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2r_108\" style=\"left:818px;bottom:210px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t2s_108\" style=\"left:806px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2t_108\" style=\"left:903px;bottom:210px;letter-spacing:-0.02px;display:inline;\">Gross </div>\n<div class=\"t sc_108\" id=\"t2u_108\" style=\"left:901px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2v_108\" style=\"left:958px;bottom:210px;letter-spacing:-0.04px;display:inline;\">Reinsurance </div>\n<div class=\"t sc_108\" id=\"t2w_108\" style=\"left:996px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_108\" id=\"t2x_108\" style=\"left:1104px;bottom:210px;letter-spacing:-0.03px;display:inline;\">Net </div>\n<div class=\"t sc_108\" id=\"t2y_108\" style=\"left:1092px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sd_108\" id=\"t2z_108\" style=\"left:78px;bottom:172px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t s4_108\" id=\"t30_108\" style=\"left:630px;bottom:172px;letter-spacing:0.36px;display:inline;\">899 </div><div class=\"t se_108\" id=\"t31_108\" style=\"left:729px;bottom:172px;letter-spacing:0.12px;display:inline;\">(51) </div><div class=\"t s4_108\" id=\"t32_108\" style=\"left:820px;bottom:172px;letter-spacing:0.47px;display:inline;\">848 </div><div class=\"t sf_108\" id=\"t33_108\" style=\"left:916px;bottom:172px;letter-spacing:0.26px;display:inline;\">695 </div><div class=\"t sf_108\" id=\"t34_108\" style=\"left:1015px;bottom:172px;letter-spacing:0.18px;display:inline;\">(60) </div><div class=\"t sf_108\" id=\"t35_108\" style=\"left:1107px;bottom:172px;letter-spacing:0.22px;display:inline;\">635 </div>\n<div class=\"t sd_108\" id=\"t36_108\" style=\"left:78px;bottom:150px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Increase in the financial year </div><div class=\"t se_108\" id=\"t37_108\" style=\"left:614px;bottom:150px;letter-spacing:0.29px;display:inline;\">25,660 </div><div class=\"t se_108\" id=\"t38_108\" style=\"left:722px;bottom:150px;letter-spacing:0.24px;display:inline;\">(138) </div><div class=\"t se_108\" id=\"t39_108\" style=\"left:804px;bottom:150px;letter-spacing:0.28px;display:inline;\">25,522 </div><div class=\"t sf_108\" id=\"t3a_108\" style=\"left:900px;bottom:150px;letter-spacing:0.23px;display:inline;\">25,050 </div><div class=\"t sf_108\" id=\"t3b_108\" style=\"left:1009px;bottom:150px;letter-spacing:0.08px;display:inline;\">(163) </div><div class=\"t sf_108\" id=\"t3c_108\" style=\"left:1091px;bottom:150px;letter-spacing:0.19px;display:inline;\">24,887 </div>\n<div class=\"t sd_108\" id=\"t3d_108\" style=\"left:78px;bottom:127px;letter-spacing:0.07px;word-spacing:-0.14px;display:inline;\">Release in the financial year </div><div class=\"t se_108\" id=\"t3e_108\" style=\"left:610px;bottom:127px;letter-spacing:0.29px;display:inline;\">(25,406) </div><div class=\"t se_108\" id=\"t3f_108\" style=\"left:725px;bottom:127px;letter-spacing:0.39px;display:inline;\">149 </div><div class=\"t se_108\" id=\"t3g_108\" style=\"left:800px;bottom:127px;letter-spacing:0.27px;display:inline;\">(25,257) </div><div class=\"t sf_108\" id=\"t3h_108\" style=\"left:897px;bottom:127px;letter-spacing:0.22px;display:inline;\">(24,846) </div><div class=\"t sf_108\" id=\"t3i_108\" style=\"left:1012px;bottom:127px;letter-spacing:0.05px;display:inline;\">172 </div><div class=\"t sf_108\" id=\"t3j_108\" style=\"left:1089px;bottom:127px;letter-spacing:-0.01px;display:inline;\">(24,674) </div>\n<div class=\"t sd_108\" id=\"t3k_108\" style=\"left:78px;bottom:105px;letter-spacing:0.07px;word-spacing:-0.13px;display:inline;\">Movement in the financial year </div><div class=\"t se_108\" id=\"t3l_108\" style=\"left:630px;bottom:105px;letter-spacing:0.41px;display:inline;\">254 </div><div class=\"t se_108\" id=\"t3m_108\" style=\"left:732px;bottom:105px;letter-spacing:0.34px;display:inline;\">11 </div><div class=\"t se_108\" id=\"t3n_108\" style=\"left:821px;bottom:105px;letter-spacing:0.24px;display:inline;\">265 </div><div class=\"t sf_108\" id=\"t3o_108\" style=\"left:916px;bottom:105px;letter-spacing:0.42px;display:inline;\">204 </div><div class=\"t sf_108\" id=\"t3p_108\" style=\"left:1024px;bottom:105px;display:inline;\">9 </div><div class=\"t sf_108\" id=\"t3q_108\" style=\"left:1106px;bottom:105px;letter-spacing:0.36px;display:inline;\">213 </div>\n<div class=\"t s4_108\" id=\"t3r_108\" style=\"left:78px;bottom:83px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">At 31 December </div><div class=\"t se_108\" id=\"t3s_108\" style=\"left:620px;bottom:83px;letter-spacing:0.4px;display:inline;\">1,153 </div><div class=\"t se_108\" id=\"t3t_108\" style=\"left:728px;bottom:83px;letter-spacing:0.17px;display:inline;\">(40) </div><div class=\"t se_108\" id=\"t3u_108\" style=\"left:810px;bottom:83px;letter-spacing:0.43px;display:inline;\">1,113 </div><div class=\"t sf_108\" id=\"t3v_108\" style=\"left:916px;bottom:83px;letter-spacing:0.39px;display:inline;\">899 </div><div class=\"t sf_108\" id=\"t3w_108\" style=\"left:1015px;bottom:83px;letter-spacing:0.07px;display:inline;\">(51) </div>848",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsuranceContractsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13844": {
   "value": "26 Company investment in subsidiary undertakings <div class=\"t s9_109\" id=\"td_109\" style=\"left:433px;bottom:739px;letter-spacing:-0.01px;display:inline;\">Shares in subsidiary </div>\n<div class=\"t s9_109\" id=\"te_109\" style=\"left:452px;bottom:723px;letter-spacing:-0.01px;display:inline;\">undertakings </div>\n<div class=\"t s9_109\" id=\"tf_109\" style=\"left:453px;bottom:700px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_109\" id=\"tg_109\" style=\"left:449px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_109\" id=\"th_109\" style=\"left:550px;bottom:700px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_109\" id=\"ti_109\" style=\"left:544px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_109\" id=\"tj_109\" style=\"left:78px;bottom:662px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_109\" id=\"tk_109\" style=\"left:78px;bottom:640px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t sb_109\" id=\"tl_109\" style=\"left:447px;bottom:640px;letter-spacing:0.31px;display:inline;\">38,101 </div><div class=\"t sc_109\" id=\"tm_109\" style=\"left:544px;bottom:640px;letter-spacing:-0.04px;display:inline;\">37,943 </div>\n<div class=\"t sa_109\" id=\"tn_109\" style=\"left:78px;bottom:618px;letter-spacing:0.06px;word-spacing:-0.13px;display:inline;\">Acquired in the year </div><div class=\"t s4_109\" id=\"to_109\" style=\"left:476px;bottom:618px;display:inline;\">\u2013 </div><div class=\"t sd_109\" id=\"tp_109\" style=\"left:571px;bottom:618px;display:inline;\">\u2013 </div>\n<div class=\"t sa_109\" id=\"tq_109\" style=\"left:78px;bottom:596px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share-based expenses </div><div class=\"t sb_109\" id=\"tr_109\" style=\"left:463px;bottom:596px;letter-spacing:0.27px;display:inline;\">271 </div><div class=\"t sc_109\" id=\"ts_109\" style=\"left:558px;bottom:596px;letter-spacing:0.46px;display:inline;\">158 </div>\n<div class=\"t sa_109\" id=\"tt_109\" style=\"left:78px;bottom:574px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_109\" id=\"tu_109\" style=\"left:447px;bottom:574px;letter-spacing:0.3px;display:inline;\">38,372 </div><div class=\"t sc_109\" id=\"tv_109\" style=\"left:543px;bottom:574px;letter-spacing:0.2px;display:inline;\">38,101 </div>\n<div class=\"t sa_109\" id=\"tw_109\" style=\"left:78px;bottom:552px;letter-spacing:0.1px;word-spacing:-0.13px;display:inline;\">Amounts written off </div>\n<div class=\"t sa_109\" id=\"tx_109\" style=\"left:78px;bottom:529px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t sb_109\" id=\"ty_109\" style=\"left:447px;bottom:529px;letter-spacing:0.36px;display:inline;\">12,898 </div><div class=\"t sc_109\" id=\"tz_109\" style=\"left:542px;bottom:529px;letter-spacing:0.32px;display:inline;\">12,898 </div>\n<div class=\"t sa_109\" id=\"t10_109\" style=\"left:78px;bottom:507px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Impairment provision in year </div><div class=\"t s4_109\" id=\"t11_109\" style=\"left:476px;bottom:507px;display:inline;\">\u2013 </div><div class=\"t sd_109\" id=\"t12_109\" style=\"left:571px;bottom:507px;display:inline;\">\u2013 </div>\n<div class=\"t sa_109\" id=\"t13_109\" style=\"left:78px;bottom:485px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_109\" id=\"t14_109\" style=\"left:447px;bottom:485px;letter-spacing:0.36px;display:inline;\">12,898 </div><div class=\"t sc_109\" id=\"t15_109\" style=\"left:542px;bottom:485px;letter-spacing:0.32px;display:inline;\">12,898 </div>\n<div class=\"t s4_109\" id=\"t16_109\" style=\"left:78px;bottom:463px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Net book amount at 31 December </div><div class=\"t sb_109\" id=\"t17_109\" style=\"left:448px;bottom:463px;letter-spacing:0.13px;display:inline;\">25,474 </div><div class=\"t sc_109\" id=\"t18_109\" style=\"left:543px;bottom:463px;letter-spacing:0.22px;display:inline;\">25,203 </div>\n<div class=\"t se_109\" id=\"t19_109\" style=\"left:74px;bottom:424px;letter-spacing:-0.31px;word-spacing:-0.02px;display:inline;\">At 31 December 2022 the Company held 100% of the allotted share capital of the following </div>\n<div class=\"t se_109\" id=\"t1a_109\" style=\"left:74px;bottom:406px;letter-spacing:-0.3px;word-spacing:-0.08px;display:inline;\">trading companies, all of which were incorporated in England and Wales, with the exception </div>\n<div class=\"t se_109\" id=\"t1b_109\" style=\"left:74px;bottom:387px;letter-spacing:-0.3px;word-spacing:-0.02px;display:inline;\">of Personal Assurance (Guernsey) Limited which is incorporated in Guernsey, and have been </div>\n<div class=\"t se_109\" id=\"t1c_109\" style=\"left:74px;bottom:369px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">consolidated in the Group financial statements. The registered address of all Group entities </div>\n<div class=\"t se_109\" id=\"t1d_109\" style=\"left:74px;bottom:351px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">is John Ormond House, 899 Silbury Boulevard, Central Milton Keynes, MK9 3XL, with the </div>\n<div class=\"t se_109\" id=\"t1e_109\" style=\"left:74px;bottom:332px;letter-spacing:-0.18px;word-spacing:-0.01px;display:inline;\">exception of Personal Assurance (Guernsey) Limited whose registered address is Level 5, </div>\n<div class=\"t se_109\" id=\"t1f_109\" style=\"left:74px;bottom:314px;letter-spacing:-0.19px;word-spacing:0.05px;display:inline;\">Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 1EJ. </div>\n<div class=\"t s4_109\" id=\"t1g_109\" style=\"left:626px;bottom:762px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Subsidiary undertaking </div><div class=\"t s4_109\" id=\"t1h_109\" style=\"left:886px;bottom:762px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Nature of business </div>\n<div class=\"t sa_109\" id=\"t1i_109\" style=\"left:626px;bottom:740px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Personal Group Limited </div><div class=\"t sa_109\" id=\"t1j_109\" style=\"left:886px;bottom:740px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Intermediate holding Company </div>\n<div class=\"t sa_109\" id=\"t1k_109\" style=\"left:626px;bottom:718px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div>\n<div class=\"t sf_109\" id=\"t1l_109\" style=\"left:752px;bottom:724px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1m_109\" style=\"left:886px;bottom:718px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">General insurance </div>\n<div class=\"t sa_109\" id=\"t1n_109\" style=\"left:626px;bottom:696px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Personal Assurance Services Limited </div>\n<div class=\"t sf_109\" id=\"t1o_109\" style=\"left:825px;bottom:702px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t1p_109\" style=\"left:886px;bottom:696px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Administration services </div>\n<div class=\"t sa_109\" id=\"t1q_109\" style=\"left:626px;bottom:674px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div>\n<div class=\"t sf_109\" id=\"t1r_109\" style=\"left:803px;bottom:680px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t1s_109\" style=\"left:886px;bottom:674px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Employee benefits sales and marketing </div>\n<div class=\"t sa_109\" id=\"t1t_109\" style=\"left:626px;bottom:651px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Personal Group Trustees Limited </div>\n<div class=\"t sf_109\" id=\"t1u_109\" style=\"left:804px;bottom:658px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1v_109\" style=\"left:886px;bottom:651px;letter-spacing:0.06px;word-spacing:0.01px;display:inline;\">Trustee for employee share options </div>\n<div class=\"t sa_109\" id=\"t1w_109\" style=\"left:626px;bottom:629px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Personal Management Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t1x_109\" style=\"left:848px;bottom:636px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1y_109\" style=\"left:886px;bottom:629px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Employee benefits sales and marketing </div>\n<div class=\"t sa_109\" id=\"t1z_109\" style=\"left:626px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited </div>\n<div class=\"t sf_109\" id=\"t20_109\" style=\"left:799px;bottom:614px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t21_109\" style=\"left:886px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Holding Company </div>\n<div class=\"t sa_109\" id=\"t22_109\" style=\"left:626px;bottom:585px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Limited </div>\n<div class=\"t sf_109\" id=\"t23_109\" style=\"left:762px;bottom:591px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t24_109\" style=\"left:886px;bottom:585px;letter-spacing:0.09px;word-spacing:-0.06px;display:inline;\">Independent financial advisers </div>\n<div class=\"t sa_109\" id=\"t25_109\" style=\"left:626px;bottom:563px;letter-spacing:0.07px;word-spacing:-0.08px;display:inline;\">Personal Assurance (Guernsey) Limited </div>\n<div class=\"t sf_109\" id=\"t26_109\" style=\"left:838px;bottom:569px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t27_109\" style=\"left:886px;bottom:563px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Death insurance underwriting services </div>\n<div class=\"t sa_109\" id=\"t28_109\" style=\"left:626px;bottom:541px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Let\u2019s Connect IT Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t29_109\" style=\"left:813px;bottom:547px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t2a_109\" style=\"left:886px;bottom:541px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Employee benefits salary sacrifice </div>\n<div class=\"t sa_109\" id=\"t2b_109\" style=\"left:886px;bottom:523px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">technology products </div>\n<div class=\"t sa_109\" id=\"t2c_109\" style=\"left:626px;bottom:501px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Innecto People Consulting Limited </div>\n<div class=\"t sf_109\" id=\"t2d_109\" style=\"left:816px;bottom:507px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t2e_109\" style=\"left:886px;bottom:501px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">HR consultancy and technology providers </div>\n<div class=\"t sa_109\" id=\"t2f_109\" style=\"left:626px;bottom:479px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Quintige Consulting Group Limited </div>\n<div class=\"t sf_109\" id=\"t2g_109\" style=\"left:817px;bottom:485px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t2h_109\" style=\"left:886px;bottom:479px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">HR consultancy </div>\n<div class=\"t sa_109\" id=\"t2i_109\" style=\"left:626px;bottom:457px;letter-spacing:0.1px;display:inline;\">Multiplelisting Limited </div><div class=\"t sa_109\" id=\"t2j_109\" style=\"left:886px;bottom:457px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2k_109\" style=\"left:626px;bottom:434px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Mutual Benefit Limited </div><div class=\"t sa_109\" id=\"t2l_109\" style=\"left:886px;bottom:434px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2m_109\" style=\"left:626px;bottom:412px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Partake Services Limited </div><div class=\"t sa_109\" id=\"t2n_109\" style=\"left:886px;bottom:412px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2o_109\" style=\"left:626px;bottom:390px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Personal Assurance Financial Services Plc </div><div class=\"t sa_109\" id=\"t2p_109\" style=\"left:886px;bottom:390px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2q_109\" style=\"left:626px;bottom:368px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Healthcare Limited </div>\n<div class=\"t sf_109\" id=\"t2r_109\" style=\"left:826px;bottom:374px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2s_109\" style=\"left:886px;bottom:368px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2t_109\" style=\"left:626px;bottom:346px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">B M Agency Services Limited </div>\n<div class=\"t sf_109\" id=\"t2u_109\" style=\"left:781px;bottom:352px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2v_109\" style=\"left:886px;bottom:346px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2w_109\" style=\"left:626px;bottom:324px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Berkeley Morgan Property Limited </div>\n<div class=\"t sf_109\" id=\"t2x_109\" style=\"left:814px;bottom:330px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2y_109\" style=\"left:886px;bottom:324px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2z_109\" style=\"left:626px;bottom:302px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Summit Financial Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t30_109\" style=\"left:821px;bottom:308px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t31_109\" style=\"left:886px;bottom:302px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t32_109\" style=\"left:626px;bottom:279px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Summit Financial Holdings Plc </div>\n<div class=\"t sf_109\" id=\"t33_109\" style=\"left:793px;bottom:286px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t34_109\" style=\"left:886px;bottom:279px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t35_109\" style=\"left:626px;bottom:257px;letter-spacing:0.06px;word-spacing:-0.06px;display:inline;\">Berkeley Morgan Trustees Limited </div>\n<div class=\"t sf_109\" id=\"t36_109\" style=\"left:812px;bottom:264px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t37_109\" style=\"left:886px;bottom:257px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t38_109\" style=\"left:626px;bottom:235px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Mobile Limited </div>\n<div class=\"t sf_109\" id=\"t39_109\" style=\"left:794px;bottom:241px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t3a_109\" style=\"left:886px;bottom:235px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t3b_109\" style=\"left:626px;bottom:213px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Universal Provident Limited </div>\n<div class=\"t sf_109\" id=\"t3c_109\" style=\"left:779px;bottom:219px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t3d_109\" style=\"left:886px;bottom:213px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sg_109\" id=\"t3e_109\" style=\"left:621px;bottom:182px;display:inline;\">* </div><div class=\"t sg_109\" id=\"t3f_109\" style=\"left:634px;bottom:182px;letter-spacing:0.14px;word-spacing:-0.18px;display:inline;\">Indirectly owned by Personal Group Holdings Plc via Personal Group Limited </div>\n<div class=\"t sg_109\" id=\"t3g_109\" style=\"left:621px;bottom:165px;display:inline;\">+ </div><div class=\"t sg_109\" id=\"t3h_109\" style=\"left:634px;bottom:165px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">Indirectly owned by Personal Group Holdings Plc via Personal Group Limited and Berkeley Morgan Group </div>\n<div class=\"t sg_109\" id=\"t3i_109\" style=\"left:634px;bottom:153px;letter-spacing:0.18px;display:inline;\">Limited </div>\n<div class=\"t sg_109\" id=\"t3j_109\" style=\"left:621px;bottom:137px;display:inline;\"># </div><div class=\"t sg_109\" id=\"t3k_109\" style=\"left:634px;bottom:137px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">Exempt from audit under parental guarantee </div><div></div><div class=\"t s1_110\" id=\"t1_110\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_110\" id=\"t2_110\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t3_110\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t4_110\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t5_110\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_110\" id=\"t6_110\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_110\" id=\"t7_110\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_110\" id=\"t8_110\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_110\" id=\"t9_110\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n\n\n<div class=\"t sa_110\" id=\"te_110\" style=\"left:74px;bottom:743px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">The following subsidiaries of the Group are exempt from the requirements of the </div>\n<div class=\"t sa_110\" id=\"tf_110\" style=\"left:74px;bottom:725px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Companies Act 2006 (\u201cthe Act\u201d) relating to the audit of individual accounts by virtue of </div>\n<div class=\"t sa_110\" id=\"tg_110\" style=\"left:74px;bottom:707px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">s479A. The parent undertaking, Personal Group Holdings Plc, gives a guarantee to these </div>\n<div class=\"t sa_110\" id=\"th_110\" style=\"left:74px;bottom:688px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsidiaries under section 479C in respect of the year ending 31 December 2022. </div>\n<div class=\"t sb_110\" id=\"ti_110\" style=\"left:74px;bottom:657px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tj_110\" style=\"left:87px;bottom:657px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Personal Assurance Services Limited \u2013 3194988. </div>\n<div class=\"t sb_110\" id=\"tk_110\" style=\"left:74px;bottom:634px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tl_110\" style=\"left:87px;bottom:634px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">Personal Group Benefits Limited \u2013 3195037. </div>\n<div class=\"t sb_110\" id=\"tm_110\" style=\"left:74px;bottom:612px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tn_110\" style=\"left:87px;bottom:612px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited \u2013 3456258. </div>\n<div class=\"t sb_110\" id=\"to_110\" style=\"left:74px;bottom:589px;display:inline;\">&gt; </div>Quintige Consulting Group Limited \u2013 3773926.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13845": {
   "value": "26 Company investment in subsidiary undertakings <div class=\"t s9_109\" id=\"td_109\" style=\"left:433px;bottom:739px;letter-spacing:-0.01px;display:inline;\">Shares in subsidiary </div>\n<div class=\"t s9_109\" id=\"te_109\" style=\"left:452px;bottom:723px;letter-spacing:-0.01px;display:inline;\">undertakings </div>\n<div class=\"t s9_109\" id=\"tf_109\" style=\"left:453px;bottom:700px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t s9_109\" id=\"tg_109\" style=\"left:449px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t s9_109\" id=\"th_109\" style=\"left:550px;bottom:700px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t s9_109\" id=\"ti_109\" style=\"left:544px;bottom:684px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sa_109\" id=\"tj_109\" style=\"left:78px;bottom:662px;letter-spacing:0.08px;display:inline;\">Cost </div>\n<div class=\"t sa_109\" id=\"tk_109\" style=\"left:78px;bottom:640px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t sb_109\" id=\"tl_109\" style=\"left:447px;bottom:640px;letter-spacing:0.31px;display:inline;\">38,101 </div><div class=\"t sc_109\" id=\"tm_109\" style=\"left:544px;bottom:640px;letter-spacing:-0.04px;display:inline;\">37,943 </div>\n<div class=\"t sa_109\" id=\"tn_109\" style=\"left:78px;bottom:618px;letter-spacing:0.06px;word-spacing:-0.13px;display:inline;\">Acquired in the year </div><div class=\"t s4_109\" id=\"to_109\" style=\"left:476px;bottom:618px;display:inline;\">\u2013 </div><div class=\"t sd_109\" id=\"tp_109\" style=\"left:571px;bottom:618px;display:inline;\">\u2013 </div>\n<div class=\"t sa_109\" id=\"tq_109\" style=\"left:78px;bottom:596px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Share-based expenses </div><div class=\"t sb_109\" id=\"tr_109\" style=\"left:463px;bottom:596px;letter-spacing:0.27px;display:inline;\">271 </div><div class=\"t sc_109\" id=\"ts_109\" style=\"left:558px;bottom:596px;letter-spacing:0.46px;display:inline;\">158 </div>\n<div class=\"t sa_109\" id=\"tt_109\" style=\"left:78px;bottom:574px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_109\" id=\"tu_109\" style=\"left:447px;bottom:574px;letter-spacing:0.3px;display:inline;\">38,372 </div><div class=\"t sc_109\" id=\"tv_109\" style=\"left:543px;bottom:574px;letter-spacing:0.2px;display:inline;\">38,101 </div>\n<div class=\"t sa_109\" id=\"tw_109\" style=\"left:78px;bottom:552px;letter-spacing:0.1px;word-spacing:-0.13px;display:inline;\">Amounts written off </div>\n<div class=\"t sa_109\" id=\"tx_109\" style=\"left:78px;bottom:529px;letter-spacing:0.07px;word-spacing:-0.1px;display:inline;\">At 1 January </div><div class=\"t sb_109\" id=\"ty_109\" style=\"left:447px;bottom:529px;letter-spacing:0.36px;display:inline;\">12,898 </div><div class=\"t sc_109\" id=\"tz_109\" style=\"left:542px;bottom:529px;letter-spacing:0.32px;display:inline;\">12,898 </div>\n<div class=\"t sa_109\" id=\"t10_109\" style=\"left:78px;bottom:507px;letter-spacing:0.08px;word-spacing:-0.08px;display:inline;\">Impairment provision in year </div><div class=\"t s4_109\" id=\"t11_109\" style=\"left:476px;bottom:507px;display:inline;\">\u2013 </div><div class=\"t sd_109\" id=\"t12_109\" style=\"left:571px;bottom:507px;display:inline;\">\u2013 </div>\n<div class=\"t sa_109\" id=\"t13_109\" style=\"left:78px;bottom:485px;letter-spacing:0.08px;word-spacing:0.04px;display:inline;\">At 31 December </div><div class=\"t sb_109\" id=\"t14_109\" style=\"left:447px;bottom:485px;letter-spacing:0.36px;display:inline;\">12,898 </div><div class=\"t sc_109\" id=\"t15_109\" style=\"left:542px;bottom:485px;letter-spacing:0.32px;display:inline;\">12,898 </div>\n<div class=\"t s4_109\" id=\"t16_109\" style=\"left:78px;bottom:463px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Net book amount at 31 December </div><div class=\"t sb_109\" id=\"t17_109\" style=\"left:448px;bottom:463px;letter-spacing:0.13px;display:inline;\">25,474 </div><div class=\"t sc_109\" id=\"t18_109\" style=\"left:543px;bottom:463px;letter-spacing:0.22px;display:inline;\">25,203 </div>\n<div class=\"t se_109\" id=\"t19_109\" style=\"left:74px;bottom:424px;letter-spacing:-0.31px;word-spacing:-0.02px;display:inline;\">At 31 December 2022 the Company held 100% of the allotted share capital of the following </div>\n<div class=\"t se_109\" id=\"t1a_109\" style=\"left:74px;bottom:406px;letter-spacing:-0.3px;word-spacing:-0.08px;display:inline;\">trading companies, all of which were incorporated in England and Wales, with the exception </div>\n<div class=\"t se_109\" id=\"t1b_109\" style=\"left:74px;bottom:387px;letter-spacing:-0.3px;word-spacing:-0.02px;display:inline;\">of Personal Assurance (Guernsey) Limited which is incorporated in Guernsey, and have been </div>\n<div class=\"t se_109\" id=\"t1c_109\" style=\"left:74px;bottom:369px;letter-spacing:-0.3px;word-spacing:-0.03px;display:inline;\">consolidated in the Group financial statements. The registered address of all Group entities </div>\n<div class=\"t se_109\" id=\"t1d_109\" style=\"left:74px;bottom:351px;letter-spacing:-0.17px;word-spacing:-0.03px;display:inline;\">is John Ormond House, 899 Silbury Boulevard, Central Milton Keynes, MK9 3XL, with the </div>\n<div class=\"t se_109\" id=\"t1e_109\" style=\"left:74px;bottom:332px;letter-spacing:-0.18px;word-spacing:-0.01px;display:inline;\">exception of Personal Assurance (Guernsey) Limited whose registered address is Level 5, </div>\n<div class=\"t se_109\" id=\"t1f_109\" style=\"left:74px;bottom:314px;letter-spacing:-0.19px;word-spacing:0.05px;display:inline;\">Mill Court, La Charroterie, St Peter Port, Guernsey, GY1 1EJ. </div>\n<div class=\"t s4_109\" id=\"t1g_109\" style=\"left:626px;bottom:762px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Subsidiary undertaking </div><div class=\"t s4_109\" id=\"t1h_109\" style=\"left:886px;bottom:762px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Nature of business </div>\n<div class=\"t sa_109\" id=\"t1i_109\" style=\"left:626px;bottom:740px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Personal Group Limited </div><div class=\"t sa_109\" id=\"t1j_109\" style=\"left:886px;bottom:740px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Intermediate holding Company </div>\n<div class=\"t sa_109\" id=\"t1k_109\" style=\"left:626px;bottom:718px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div>\n<div class=\"t sf_109\" id=\"t1l_109\" style=\"left:752px;bottom:724px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1m_109\" style=\"left:886px;bottom:718px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">General insurance </div>\n<div class=\"t sa_109\" id=\"t1n_109\" style=\"left:626px;bottom:696px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Personal Assurance Services Limited </div>\n<div class=\"t sf_109\" id=\"t1o_109\" style=\"left:825px;bottom:702px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t1p_109\" style=\"left:886px;bottom:696px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Administration services </div>\n<div class=\"t sa_109\" id=\"t1q_109\" style=\"left:626px;bottom:674px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div>\n<div class=\"t sf_109\" id=\"t1r_109\" style=\"left:803px;bottom:680px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t1s_109\" style=\"left:886px;bottom:674px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Employee benefits sales and marketing </div>\n<div class=\"t sa_109\" id=\"t1t_109\" style=\"left:626px;bottom:651px;letter-spacing:0.07px;word-spacing:-0.07px;display:inline;\">Personal Group Trustees Limited </div>\n<div class=\"t sf_109\" id=\"t1u_109\" style=\"left:804px;bottom:658px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1v_109\" style=\"left:886px;bottom:651px;letter-spacing:0.06px;word-spacing:0.01px;display:inline;\">Trustee for employee share options </div>\n<div class=\"t sa_109\" id=\"t1w_109\" style=\"left:626px;bottom:629px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Personal Management Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t1x_109\" style=\"left:848px;bottom:636px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t1y_109\" style=\"left:886px;bottom:629px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Employee benefits sales and marketing </div>\n<div class=\"t sa_109\" id=\"t1z_109\" style=\"left:626px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited </div>\n<div class=\"t sf_109\" id=\"t20_109\" style=\"left:799px;bottom:614px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t21_109\" style=\"left:886px;bottom:607px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Holding Company </div>\n<div class=\"t sa_109\" id=\"t22_109\" style=\"left:626px;bottom:585px;letter-spacing:0.06px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Limited </div>\n<div class=\"t sf_109\" id=\"t23_109\" style=\"left:762px;bottom:591px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t24_109\" style=\"left:886px;bottom:585px;letter-spacing:0.09px;word-spacing:-0.06px;display:inline;\">Independent financial advisers </div>\n<div class=\"t sa_109\" id=\"t25_109\" style=\"left:626px;bottom:563px;letter-spacing:0.07px;word-spacing:-0.08px;display:inline;\">Personal Assurance (Guernsey) Limited </div>\n<div class=\"t sf_109\" id=\"t26_109\" style=\"left:838px;bottom:569px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t27_109\" style=\"left:886px;bottom:563px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Death insurance underwriting services </div>\n<div class=\"t sa_109\" id=\"t28_109\" style=\"left:626px;bottom:541px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Let\u2019s Connect IT Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t29_109\" style=\"left:813px;bottom:547px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t2a_109\" style=\"left:886px;bottom:541px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Employee benefits salary sacrifice </div>\n<div class=\"t sa_109\" id=\"t2b_109\" style=\"left:886px;bottom:523px;letter-spacing:0.08px;word-spacing:0.03px;display:inline;\">technology products </div>\n<div class=\"t sa_109\" id=\"t2c_109\" style=\"left:626px;bottom:501px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Innecto People Consulting Limited </div>\n<div class=\"t sf_109\" id=\"t2d_109\" style=\"left:816px;bottom:507px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t2e_109\" style=\"left:886px;bottom:501px;letter-spacing:0.08px;word-spacing:-0.02px;display:inline;\">HR consultancy and technology providers </div>\n<div class=\"t sa_109\" id=\"t2f_109\" style=\"left:626px;bottom:479px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Quintige Consulting Group Limited </div>\n<div class=\"t sf_109\" id=\"t2g_109\" style=\"left:817px;bottom:485px;letter-spacing:-0.08px;display:inline;\">*# </div>\n<div class=\"t sa_109\" id=\"t2h_109\" style=\"left:886px;bottom:479px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">HR consultancy </div>\n<div class=\"t sa_109\" id=\"t2i_109\" style=\"left:626px;bottom:457px;letter-spacing:0.1px;display:inline;\">Multiplelisting Limited </div><div class=\"t sa_109\" id=\"t2j_109\" style=\"left:886px;bottom:457px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2k_109\" style=\"left:626px;bottom:434px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Mutual Benefit Limited </div><div class=\"t sa_109\" id=\"t2l_109\" style=\"left:886px;bottom:434px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2m_109\" style=\"left:626px;bottom:412px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Partake Services Limited </div><div class=\"t sa_109\" id=\"t2n_109\" style=\"left:886px;bottom:412px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2o_109\" style=\"left:626px;bottom:390px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Personal Assurance Financial Services Plc </div><div class=\"t sa_109\" id=\"t2p_109\" style=\"left:886px;bottom:390px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2q_109\" style=\"left:626px;bottom:368px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Healthcare Limited </div>\n<div class=\"t sf_109\" id=\"t2r_109\" style=\"left:826px;bottom:374px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2s_109\" style=\"left:886px;bottom:368px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2t_109\" style=\"left:626px;bottom:346px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">B M Agency Services Limited </div>\n<div class=\"t sf_109\" id=\"t2u_109\" style=\"left:781px;bottom:352px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2v_109\" style=\"left:886px;bottom:346px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2w_109\" style=\"left:626px;bottom:324px;letter-spacing:0.06px;word-spacing:0.05px;display:inline;\">Berkeley Morgan Property Limited </div>\n<div class=\"t sf_109\" id=\"t2x_109\" style=\"left:814px;bottom:330px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t2y_109\" style=\"left:886px;bottom:324px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t2z_109\" style=\"left:626px;bottom:302px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Summit Financial Solutions Limited </div>\n<div class=\"t sf_109\" id=\"t30_109\" style=\"left:821px;bottom:308px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t31_109\" style=\"left:886px;bottom:302px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t32_109\" style=\"left:626px;bottom:279px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Summit Financial Holdings Plc </div>\n<div class=\"t sf_109\" id=\"t33_109\" style=\"left:793px;bottom:286px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t34_109\" style=\"left:886px;bottom:279px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t35_109\" style=\"left:626px;bottom:257px;letter-spacing:0.06px;word-spacing:-0.06px;display:inline;\">Berkeley Morgan Trustees Limited </div>\n<div class=\"t sf_109\" id=\"t36_109\" style=\"left:812px;bottom:264px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t37_109\" style=\"left:886px;bottom:257px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t38_109\" style=\"left:626px;bottom:235px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Mobile Limited </div>\n<div class=\"t sf_109\" id=\"t39_109\" style=\"left:794px;bottom:241px;display:inline;\">* </div>\n<div class=\"t sa_109\" id=\"t3a_109\" style=\"left:886px;bottom:235px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sa_109\" id=\"t3b_109\" style=\"left:626px;bottom:213px;letter-spacing:0.07px;word-spacing:0.03px;display:inline;\">Universal Provident Limited </div>\n<div class=\"t sf_109\" id=\"t3c_109\" style=\"left:779px;bottom:219px;display:inline;\">+ </div>\n<div class=\"t sa_109\" id=\"t3d_109\" style=\"left:886px;bottom:213px;letter-spacing:0.12px;display:inline;\">Dormant </div>\n<div class=\"t sg_109\" id=\"t3e_109\" style=\"left:621px;bottom:182px;display:inline;\">* </div><div class=\"t sg_109\" id=\"t3f_109\" style=\"left:634px;bottom:182px;letter-spacing:0.14px;word-spacing:-0.18px;display:inline;\">Indirectly owned by Personal Group Holdings Plc via Personal Group Limited </div>\n<div class=\"t sg_109\" id=\"t3g_109\" style=\"left:621px;bottom:165px;display:inline;\">+ </div><div class=\"t sg_109\" id=\"t3h_109\" style=\"left:634px;bottom:165px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">Indirectly owned by Personal Group Holdings Plc via Personal Group Limited and Berkeley Morgan Group </div>\n<div class=\"t sg_109\" id=\"t3i_109\" style=\"left:634px;bottom:153px;letter-spacing:0.18px;display:inline;\">Limited </div>\n<div class=\"t sg_109\" id=\"t3j_109\" style=\"left:621px;bottom:137px;display:inline;\"># </div><div class=\"t sg_109\" id=\"t3k_109\" style=\"left:634px;bottom:137px;letter-spacing:0.14px;word-spacing:-0.17px;display:inline;\">Exempt from audit under parental guarantee </div><div></div><div class=\"t s1_110\" id=\"t1_110\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s2_110\" id=\"t2_110\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t3_110\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t4_110\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s3_110\" id=\"t5_110\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s3_110\" id=\"t6_110\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div>\n<div class=\"t s4_110\" id=\"t7_110\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s4_110\" id=\"t8_110\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div><div class=\"t s5_110\" id=\"t9_110\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n\n\n<div class=\"t sa_110\" id=\"te_110\" style=\"left:74px;bottom:743px;letter-spacing:-0.04px;word-spacing:-0.05px;display:inline;\">The following subsidiaries of the Group are exempt from the requirements of the </div>\n<div class=\"t sa_110\" id=\"tf_110\" style=\"left:74px;bottom:725px;letter-spacing:-0.04px;word-spacing:-0.08px;display:inline;\">Companies Act 2006 (\u201cthe Act\u201d) relating to the audit of individual accounts by virtue of </div>\n<div class=\"t sa_110\" id=\"tg_110\" style=\"left:74px;bottom:707px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">s479A. The parent undertaking, Personal Group Holdings Plc, gives a guarantee to these </div>\n<div class=\"t sa_110\" id=\"th_110\" style=\"left:74px;bottom:688px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsidiaries under section 479C in respect of the year ending 31 December 2022. </div>\n<div class=\"t sb_110\" id=\"ti_110\" style=\"left:74px;bottom:657px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tj_110\" style=\"left:87px;bottom:657px;letter-spacing:-0.03px;word-spacing:-0.05px;display:inline;\">Personal Assurance Services Limited \u2013 3194988. </div>\n<div class=\"t sb_110\" id=\"tk_110\" style=\"left:74px;bottom:634px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tl_110\" style=\"left:87px;bottom:634px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">Personal Group Benefits Limited \u2013 3195037. </div>\n<div class=\"t sb_110\" id=\"tm_110\" style=\"left:74px;bottom:612px;display:inline;\">&gt; </div><div class=\"t sa_110\" id=\"tn_110\" style=\"left:87px;bottom:612px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited \u2013 3456258. </div>\n<div class=\"t sb_110\" id=\"to_110\" style=\"left:74px;bottom:589px;display:inline;\">&gt; </div>Quintige Consulting Group Limited \u2013 3773926.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14021": {
   "value": "27 Capital commitments <div class=\"t sa_110\" id=\"tr_110\" style=\"left:74px;bottom:534px;letter-spacing:-0.03px;word-spacing:0.03px;display:inline;\">The Group has no capital commitments at 31 December 2022 and 31 December 2021. </div>\n<div class=\"t s8_110\" id=\"ts_110\" style=\"left:74px;bottom:500px;letter-spacing:0.19px;word-spacing:2.19px;display:inline;\">28 Contingent liabilities </div>\nThere were no contingent liabilities at 31 December 2022 and 31 December 2021.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14022": {
   "value": "27 Capital commitments The Group has no capital commitments at 31 December 2022 and 31 December 2021. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14027": {
   "value": "28 Contingent liabilities There were no contingent liabilities at 31 December 2022 and 31 December 2021.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14032": {
   "value": "29 Pensions <div class=\"t sc_110\" id=\"tv_110\" style=\"left:74px;bottom:424px;letter-spacing:-0.01px;word-spacing:-0.12px;display:inline;\">Group and self-invested personal pension schemes </div>\n<div class=\"t sa_110\" id=\"tw_110\" style=\"left:74px;bottom:401px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">The Group operates a defined contribution Group personal pension scheme for the </div>\n<div class=\"t sa_110\" id=\"tx_110\" style=\"left:74px;bottom:383px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">benefit of certain Directors and employees. The scheme is administered by Aegon UK </div>\n<div class=\"t sa_110\" id=\"ty_110\" style=\"left:74px;bottom:365px;letter-spacing:-0.03px;word-spacing:-0.04px;display:inline;\">plc and the funds are held independent of the Group. In addition, the Group makes </div>\n<div class=\"t sa_110\" id=\"tz_110\" style=\"left:74px;bottom:346px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">contributions to certain Directors\u2019 self-invested personal pension schemes. </div>\n<div class=\"t sa_110\" id=\"t10_110\" style=\"left:74px;bottom:315px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">These schemes are administered by independent third-party administrators and the </div>\nfunds are held independent of the Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14043": {
   "value": "30 Leasing commitments and rental income receivable <div class=\"t sc_110\" id=\"t13_110\" style=\"left:621px;bottom:745px;word-spacing:-0.12px;display:inline;\">Amounts recognised in the balance sheet </div>\n<div class=\"t sa_110\" id=\"t14_110\" style=\"left:621px;bottom:722px;letter-spacing:-0.03px;word-spacing:-0.01px;display:inline;\">Following the adoption of IFRS 16 the balance sheet at 31 December 2022 includes </div>\n<div class=\"t sa_110\" id=\"t15_110\" style=\"left:621px;bottom:704px;letter-spacing:-0.02px;display:inline;\">assets and liabilities relating to Right of Use (ROU) assets as detailed\u00a0below: </div>\n<div class=\"t sd_110\" id=\"t16_110\" style=\"left:621px;bottom:674px;letter-spacing:-0.02px;word-spacing:-0.09px;display:inline;\">2022 \u2013 Right of use assets &amp; lease liabilities </div>\n<div class=\"t se_110\" id=\"t17_110\" style=\"left:978px;bottom:649px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Net Book </div>\n<div class=\"t se_110\" id=\"t18_110\" style=\"left:1000px;bottom:633px;letter-spacing:-0.11px;display:inline;\">Value </div>\n<div class=\"t se_110\" id=\"t19_110\" style=\"left:980px;bottom:617px;letter-spacing:-0.04px;word-spacing:-0.31px;display:inline;\">of Assets </div>\n<div class=\"t se_110\" id=\"t1a_110\" style=\"left:1002px;bottom:601px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t se_110\" id=\"t1b_110\" style=\"left:1093px;bottom:633px;letter-spacing:-0.01px;display:inline;\">Lease </div>\n<div class=\"t se_110\" id=\"t1c_110\" style=\"left:1077px;bottom:617px;letter-spacing:-0.01px;display:inline;\">Liability </div>\n<div class=\"t se_110\" id=\"t1d_110\" style=\"left:1095px;bottom:601px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t sf_110\" id=\"t1e_110\" style=\"left:626px;bottom:579px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t s4_110\" id=\"t1f_110\" style=\"left:1013px;bottom:579px;letter-spacing:0.44px;display:inline;\">114 </div><div class=\"t sg_110\" id=\"t1g_110\" style=\"left:1109px;bottom:579px;letter-spacing:0.35px;display:inline;\">111 </div>\n<div class=\"t sf_110\" id=\"t1h_110\" style=\"left:626px;bottom:557px;letter-spacing:0.1px;display:inline;\">Buildings </div><div class=\"t sh_110\" id=\"t1i_110\" style=\"left:1013px;bottom:557px;letter-spacing:0.32px;display:inline;\">152 </div><div class=\"t sg_110\" id=\"t1j_110\" style=\"left:1109px;bottom:557px;letter-spacing:0.16px;display:inline;\">167 </div>\n<div class=\"t s4_110\" id=\"t1k_110\" style=\"left:626px;bottom:535px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_110\" id=\"t1l_110\" style=\"left:1013px;bottom:535px;letter-spacing:0.33px;display:inline;\">266 </div><div class=\"t sg_110\" id=\"t1m_110\" style=\"left:1109px;bottom:535px;letter-spacing:0.12px;display:inline;\">278 </div>\n<div class=\"t sd_110\" id=\"t1n_110\" style=\"left:621px;bottom:497px;letter-spacing:-0.01px;word-spacing:-0.09px;display:inline;\">2021 \u2013 Right of use assets &amp; lease liabilities </div>\n<div class=\"t se_110\" id=\"t1o_110\" style=\"left:978px;bottom:473px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">Net Book </div>\n<div class=\"t se_110\" id=\"t1p_110\" style=\"left:1000px;bottom:457px;letter-spacing:-0.11px;display:inline;\">Value </div>\n<div class=\"t se_110\" id=\"t1q_110\" style=\"left:980px;bottom:440px;letter-spacing:-0.04px;word-spacing:-0.31px;display:inline;\">of Assets </div>\n<div class=\"t se_110\" id=\"t1r_110\" style=\"left:1002px;bottom:424px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t se_110\" id=\"t1s_110\" style=\"left:1093px;bottom:457px;letter-spacing:-0.01px;display:inline;\">Lease </div>\n<div class=\"t se_110\" id=\"t1t_110\" style=\"left:1077px;bottom:440px;letter-spacing:-0.01px;display:inline;\">Liability </div>\n<div class=\"t se_110\" id=\"t1u_110\" style=\"left:1095px;bottom:424px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t sf_110\" id=\"t1v_110\" style=\"left:626px;bottom:403px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sh_110\" id=\"t1w_110\" style=\"left:1014px;bottom:403px;letter-spacing:0.22px;display:inline;\">177 </div><div class=\"t sg_110\" id=\"t1x_110\" style=\"left:1109px;bottom:403px;letter-spacing:0.34px;display:inline;\">222 </div>\n<div class=\"t sf_110\" id=\"t1y_110\" style=\"left:626px;bottom:380px;letter-spacing:0.1px;display:inline;\">Buildings </div><div class=\"t sh_110\" id=\"t1z_110\" style=\"left:1013px;bottom:380px;letter-spacing:0.38px;display:inline;\">242 </div><div class=\"t sg_110\" id=\"t20_110\" style=\"left:1109px;bottom:380px;letter-spacing:0.24px;display:inline;\">252 </div>\n<div class=\"t s4_110\" id=\"t21_110\" style=\"left:626px;bottom:358px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_110\" id=\"t22_110\" style=\"left:1013px;bottom:358px;letter-spacing:0.31px;display:inline;\">419 </div><div class=\"t sg_110\" id=\"t23_110\" style=\"left:1110px;bottom:358px;letter-spacing:-0.24px;display:inline;\">474 </div>\n<div class=\"t sa_110\" id=\"t24_110\" style=\"left:621px;bottom:319px;letter-spacing:-0.03px;word-spacing:-0.06px;display:inline;\">The initial valuation of the asset is equal to the discounted lease liability on the inception </div>\n<div class=\"t sa_110\" id=\"t25_110\" style=\"left:621px;bottom:301px;letter-spacing:-0.05px;word-spacing:-0.04px;display:inline;\">of the lease and this is depreciated over the shorter of either the life of the asset or the </div>\n<div class=\"t sa_110\" id=\"t26_110\" style=\"left:621px;bottom:282px;letter-spacing:-0.01px;word-spacing:-0.23px;display:inline;\">lease term. </div>\n<div class=\"t sc_110\" id=\"t27_110\" style=\"left:621px;bottom:252px;letter-spacing:-0.01px;word-spacing:-0.11px;display:inline;\">Amounts recognised in the consolidated statement of profit or loss </div>\n<div class=\"t se_110\" id=\"t28_110\" style=\"left:956px;bottom:226px;letter-spacing:-0.02px;display:inline;\">Depreciation </div>\n<div class=\"t se_110\" id=\"t29_110\" style=\"left:991px;bottom:210px;letter-spacing:-0.02px;display:inline;\">Charge </div>\n<div class=\"t se_110\" id=\"t2a_110\" style=\"left:1002px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t se_110\" id=\"t2b_110\" style=\"left:1078px;bottom:226px;letter-spacing:-0.01px;display:inline;\">Interest </div>\n<div class=\"t se_110\" id=\"t2c_110\" style=\"left:1077px;bottom:210px;letter-spacing:-0.01px;display:inline;\">Expense </div>\n<div class=\"t se_110\" id=\"t2d_110\" style=\"left:1095px;bottom:194px;letter-spacing:-0.01px;display:inline;\">\u00a3000 </div>\n<div class=\"t sf_110\" id=\"t2e_110\" style=\"left:626px;bottom:172px;letter-spacing:0.06px;word-spacing:-0.25px;display:inline;\">Motor vehicles </div><div class=\"t sh_110\" id=\"t2f_110\" style=\"left:1013px;bottom:172px;letter-spacing:0.32px;display:inline;\">396 </div><div class=\"t sg_110\" id=\"t2g_110\" style=\"left:1115px;bottom:172px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sf_110\" id=\"t2h_110\" style=\"left:626px;bottom:150px;letter-spacing:0.1px;display:inline;\">Buildings </div><div class=\"t sh_110\" id=\"t2i_110\" style=\"left:1020px;bottom:150px;letter-spacing:0.31px;display:inline;\">79 </div><div class=\"t sg_110\" id=\"t2j_110\" style=\"left:1122px;bottom:150px;display:inline;\">3 </div>\n<div class=\"t s4_110\" id=\"t2k_110\" style=\"left:626px;bottom:127px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sh_110\" id=\"t2l_110\" style=\"left:1014px;bottom:127px;letter-spacing:0.05px;display:inline;\">475 </div><div class=\"t sg_110\" id=\"t2m_110\" style=\"left:1115px;bottom:127px;letter-spacing:0.49px;display:inline;\">15 </div>\n<div class=\"t sa_110\" id=\"t2n_110\" style=\"left:621px;bottom:88px;letter-spacing:-0.05px;word-spacing:-0.02px;display:inline;\">Total operating lease payments due until the end of the lease, or the first break clause, </div>\n<div class=\"t sa_110\" id=\"t2o_110\" style=\"left:621px;bottom:70px;letter-spacing:-0.04px;word-spacing:0.04px;display:inline;\">total \u00a3295,000 (2021: \u00a3388,000). </div><div></div><div class=\"t s1_111\" id=\"t1_111\" style=\"left:983px;bottom:897px;letter-spacing:0.25px;display:inline;\"> </div>\n<div class=\"t s1_111\" id=\"t2_111\" style=\"left:975px;bottom:885px;letter-spacing:0.29px;display:inline;\"> </div>\n<div class=\"t s2_111\" id=\"t3_111\" style=\"left:74px;bottom:889px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\"> </div><div class=\"t s3_111\" id=\"t4_111\" style=\"left:238px;bottom:889px;letter-spacing:0.08px;word-spacing:-0.05px;display:inline;\"> </div>\n<div class=\"t s4_111\" id=\"t5_111\" style=\"left:635px;bottom:885px;letter-spacing:0.31px;display:inline;\"> </div>\n<div class=\"t s4_111\" id=\"t6_111\" style=\"left:751px;bottom:897px;letter-spacing:0.22px;display:inline;\"> </div>\n<div class=\"t s4_111\" id=\"t7_111\" style=\"left:758px;bottom:885px;letter-spacing:0.35px;display:inline;\"> </div><div class=\"t s4_111\" id=\"t8_111\" style=\"left:859px;bottom:885px;letter-spacing:0.26px;display:inline;\"> </div><div class=\"t s5_111\" id=\"t9_111\" style=\"left:1090px;bottom:878px;letter-spacing:-0.27px;display:inline;\"> </div>\n\n\n<div class=\"t sa_111\" id=\"te_111\" style=\"left:74px;bottom:743px;letter-spacing:-0.04px;word-spacing:-0.02px;display:inline;\">An analysis of these payments due is as follows: </div>\n<div class=\"t sb_111\" id=\"tf_111\" style=\"left:455px;bottom:708px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"tg_111\" style=\"left:451px;bottom:692px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"th_111\" style=\"left:554px;bottom:708px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_111\" id=\"ti_111\" style=\"left:548px;bottom:692px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"tj_111\" style=\"left:78px;bottom:670px;letter-spacing:0.05px;word-spacing:0.01px;display:inline;\">Total lease payments falling due: </div>\n<div class=\"t sc_111\" id=\"tk_111\" style=\"left:78px;bottom:648px;letter-spacing:0.09px;word-spacing:-0.14px;display:inline;\">Within one year </div><div class=\"t sd_111\" id=\"tl_111\" style=\"left:466px;bottom:648px;letter-spacing:0.25px;display:inline;\">167 </div><div class=\"t se_111\" id=\"tm_111\" style=\"left:561px;bottom:648px;letter-spacing:0.2px;display:inline;\">193 </div>\n<div class=\"t sc_111\" id=\"tn_111\" style=\"left:78px;bottom:626px;letter-spacing:0.08px;word-spacing:-0.16px;display:inline;\">Within one to two years </div><div class=\"t s1_111\" id=\"to_111\" style=\"left:472px;bottom:626px;letter-spacing:0.4px;display:inline;\">66 </div><div class=\"t se_111\" id=\"tp_111\" style=\"left:568px;bottom:626px;letter-spacing:0.19px;display:inline;\">79 </div>\n<div class=\"t sc_111\" id=\"tq_111\" style=\"left:78px;bottom:603px;letter-spacing:0.07px;word-spacing:-0.18px;display:inline;\">Within two to five years </div><div class=\"t sd_111\" id=\"tr_111\" style=\"left:472px;bottom:603px;letter-spacing:0.22px;display:inline;\">62 </div><div class=\"t se_111\" id=\"ts_111\" style=\"left:561px;bottom:603px;letter-spacing:0.22px;display:inline;\">116 </div>\n<div class=\"t s1_111\" id=\"tt_111\" style=\"left:78px;bottom:581px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sd_111\" id=\"tu_111\" style=\"left:466px;bottom:581px;letter-spacing:0.28px;display:inline;\">295 </div><div class=\"t sf_111\" id=\"tv_111\" style=\"left:561px;bottom:581px;letter-spacing:0.44px;display:inline;\">388 </div>\n<div class=\"t sa_111\" id=\"tw_111\" style=\"left:74px;bottom:542px;letter-spacing:-0.06px;word-spacing:-0.01px;display:inline;\">Total operating rent receivable payments due until the end of the lease or the first break </div>\n<div class=\"t sg_111\" id=\"tx_111\" style=\"left:76px;bottom:524px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">clause, total \u00a3nil (2021: \u00a313,000). An analysis of these receivable payments due is </div>\n<div class=\"t sa_111\" id=\"ty_111\" style=\"left:74px;bottom:505px;letter-spacing:-0.05px;word-spacing:0.04px;display:inline;\">as\u00a0follows: </div>\n<div class=\"t sb_111\" id=\"tz_111\" style=\"left:455px;bottom:470px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"t10_111\" style=\"left:451px;bottom:454px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t11_111\" style=\"left:554px;bottom:470px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_111\" id=\"t12_111\" style=\"left:548px;bottom:454px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"t13_111\" style=\"left:78px;bottom:432px;letter-spacing:0.1px;word-spacing:0.02px;display:inline;\">Future minimum lease payments: </div>\n<div class=\"t sc_111\" id=\"t14_111\" style=\"left:78px;bottom:410px;letter-spacing:0.09px;word-spacing:-0.14px;display:inline;\">Within one year </div><div class=\"t s1_111\" id=\"t15_111\" style=\"left:478px;bottom:410px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t16_111\" style=\"left:567px;bottom:410px;letter-spacing:0.44px;display:inline;\">13 </div>\n<div class=\"t sc_111\" id=\"t17_111\" style=\"left:78px;bottom:388px;letter-spacing:0.08px;word-spacing:-0.16px;display:inline;\">Within one to two years </div><div class=\"t s1_111\" id=\"t18_111\" style=\"left:478px;bottom:388px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t19_111\" style=\"left:574px;bottom:388px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t1a_111\" style=\"left:78px;bottom:365px;letter-spacing:0.07px;word-spacing:-0.18px;display:inline;\">Within two to five years </div><div class=\"t s1_111\" id=\"t1b_111\" style=\"left:478px;bottom:365px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t1c_111\" style=\"left:574px;bottom:365px;display:inline;\">\u2013 </div>\n<div class=\"t s1_111\" id=\"t1d_111\" style=\"left:78px;bottom:343px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t s1_111\" id=\"t1e_111\" style=\"left:478px;bottom:343px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t1f_111\" style=\"left:567px;bottom:343px;letter-spacing:0.44px;display:inline;\">13 </div>\n<div class=\"t sa_111\" id=\"t1g_111\" style=\"left:74px;bottom:304px;letter-spacing:-0.02px;word-spacing:-0.01px;display:inline;\">Below is a reconciliation of changes in liabilities arising from financing activities: </div>\n<div class=\"t sb_111\" id=\"t1h_111\" style=\"left:242px;bottom:268px;letter-spacing:-0.01px;word-spacing:-0.29px;display:inline;\">1 January </div>\n<div class=\"t sb_111\" id=\"t1i_111\" style=\"left:269px;bottom:252px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"t1j_111\" style=\"left:264px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1k_111\" style=\"left:336px;bottom:268px;letter-spacing:-0.01px;display:inline;\">Cash </div>\n<div class=\"t sb_111\" id=\"t1l_111\" style=\"left:328px;bottom:252px;letter-spacing:-0.05px;display:inline;\">Flows </div>\n<div class=\"t sb_111\" id=\"t1m_111\" style=\"left:329px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1n_111\" style=\"left:402px;bottom:268px;letter-spacing:-0.07px;display:inline;\">New </div>\n<div class=\"t sb_111\" id=\"t1o_111\" style=\"left:393px;bottom:252px;letter-spacing:-0.01px;display:inline;\">leases </div>\n<div class=\"t sb_111\" id=\"t1p_111\" style=\"left:394px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1q_111\" style=\"left:457px;bottom:252px;letter-spacing:-0.01px;display:inline;\">Other </div>\n<div class=\"t sb_111\" id=\"t1r_111\" style=\"left:457px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t1s_111\" style=\"left:503px;bottom:268px;letter-spacing:-0.02px;word-spacing:0.01px;display:inline;\">31 December </div>\n<div class=\"t sb_111\" id=\"t1t_111\" style=\"left:548px;bottom:252px;letter-spacing:-0.01px;display:inline;\">2022 </div>\n<div class=\"t sb_111\" id=\"t1u_111\" style=\"left:544px;bottom:236px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"t1v_111\" style=\"left:78px;bottom:214px;letter-spacing:0.08px;word-spacing:0.01px;display:inline;\">Current lease liabilities </div><div class=\"t s1_111\" id=\"t1w_111\" style=\"left:278px;bottom:214px;letter-spacing:0.12px;display:inline;\">222 </div><div class=\"t sd_111\" id=\"t1x_111\" style=\"left:341px;bottom:214px;letter-spacing:0.17px;display:inline;\">(429) </div><div class=\"t sd_111\" id=\"t1y_111\" style=\"left:409px;bottom:214px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t sd_111\" id=\"t1z_111\" style=\"left:481px;bottom:214px;letter-spacing:0.26px;display:inline;\">26 </div><div class=\"t sd_111\" id=\"t20_111\" style=\"left:559px;bottom:214px;letter-spacing:0.38px;display:inline;\">190 </div>\n<div class=\"t sc_111\" id=\"t21_111\" style=\"left:78px;bottom:192px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Non-current lease liabilities </div><div class=\"t s1_111\" id=\"t22_111\" style=\"left:279px;bottom:192px;letter-spacing:0.12px;display:inline;\">252 </div><div class=\"t s1_111\" id=\"t23_111\" style=\"left:357px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t s1_111\" id=\"t24_111\" style=\"left:422px;bottom:192px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t25_111\" style=\"left:471px;bottom:192px;letter-spacing:0.19px;display:inline;\">(122) </div><div class=\"t sd_111\" id=\"t26_111\" style=\"left:559px;bottom:192px;letter-spacing:0.38px;display:inline;\">130 </div>\n<div class=\"t s1_111\" id=\"t27_111\" style=\"left:78px;bottom:170px;letter-spacing:0.04px;word-spacing:-0.01px;display:inline;\">Total liabilities from </div>\n<div class=\"t s1_111\" id=\"t28_111\" style=\"left:78px;bottom:153px;letter-spacing:0.1px;display:inline;\">financing activities </div><div class=\"t s1_111\" id=\"t29_111\" style=\"left:278px;bottom:153px;letter-spacing:-0.04px;display:inline;\">474 </div><div class=\"t sd_111\" id=\"t2a_111\" style=\"left:341px;bottom:153px;letter-spacing:0.17px;display:inline;\">(429) </div><div class=\"t sd_111\" id=\"t2b_111\" style=\"left:409px;bottom:153px;letter-spacing:0.25px;display:inline;\">371 </div><div class=\"t s1_111\" id=\"t2c_111\" style=\"left:477px;bottom:153px;letter-spacing:0.23px;display:inline;\">(96) </div><div class=\"t sd_111\" id=\"t2d_111\" style=\"left:559px;bottom:153px;letter-spacing:0.26px;display:inline;\">320 </div>\n<div class=\"t sa_111\" id=\"t2e_111\" style=\"left:74px;bottom:113px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">The \u201cOther\u201d column includes the effect of reclassification of non-current leases to </div>\n<div class=\"t sa_111\" id=\"t2f_111\" style=\"left:74px;bottom:95px;letter-spacing:-0.03px;word-spacing:-0.08px;display:inline;\">current due to the passage of time, the effect of the disposal of lease assets with their </div>\n<div class=\"t sa_111\" id=\"t2g_111\" style=\"left:74px;bottom:77px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">related creditors and the effect of the unwinding of the discounted ROU creditors </div>\nover\u00a0time.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14220": {
   "value": "31 Related party transactions <div class=\"t sa_111\" id=\"t2j_111\" style=\"left:621px;bottom:743px;letter-spacing:-0.03px;word-spacing:-0.03px;display:inline;\">Personal Group Holdings Plc holds a bank account which it uses for payments to </div>\n<div class=\"t sa_111\" id=\"t2k_111\" style=\"left:621px;bottom:725px;letter-spacing:-0.16px;display:inline;\">Company specific creditors. During 2022 and 2021 the Company paid its own dividends </div>\n<div class=\"t sa_111\" id=\"t2l_111\" style=\"left:621px;bottom:705px;letter-spacing:-0.01px;word-spacing:0.01px;display:inline;\">and expenses. </div>\n<div class=\"t sa_111\" id=\"t2m_111\" style=\"left:621px;bottom:674px;letter-spacing:-0.04px;word-spacing:-0.03px;display:inline;\">A list of intercompany balances that are outstanding at the balance sheet date with </div>\n<div class=\"t sa_111\" id=\"t2n_111\" style=\"left:621px;bottom:656px;letter-spacing:-0.03px;word-spacing:-0.02px;display:inline;\">subsidiary undertakings is as follows: </div>\n<div class=\"t sb_111\" id=\"t2o_111\" style=\"left:912px;bottom:620px;letter-spacing:-0.01px;display:inline;\">2022 </div><div class=\"t sb_111\" id=\"t2p_111\" style=\"left:1051px;bottom:620px;letter-spacing:-0.01px;display:inline;\">2021 </div>\n<div class=\"t sb_111\" id=\"t2q_111\" style=\"left:863px;bottom:597px;letter-spacing:-0.05px;display:inline;\">Receivable </div>\n<div class=\"t sb_111\" id=\"t2r_111\" style=\"left:892px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t2s_111\" style=\"left:941px;bottom:597px;letter-spacing:-0.07px;display:inline;\">Payable </div>\n<div class=\"t sb_111\" id=\"t2t_111\" style=\"left:953px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t2u_111\" style=\"left:1001px;bottom:597px;letter-spacing:-0.05px;display:inline;\">Receivable </div>\n<div class=\"t sb_111\" id=\"t2v_111\" style=\"left:1031px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sb_111\" id=\"t2w_111\" style=\"left:1079px;bottom:597px;letter-spacing:-0.07px;display:inline;\">Payable </div>\n<div class=\"t sb_111\" id=\"t2x_111\" style=\"left:1092px;bottom:581px;letter-spacing:-0.01px;display:inline;\">\u00a3\u2019000 </div>\n<div class=\"t sc_111\" id=\"t2y_111\" style=\"left:626px;bottom:559px;letter-spacing:0.08px;word-spacing:-0.14px;display:inline;\">Personal Assurance Plc </div><div class=\"t s1_111\" id=\"t2z_111\" style=\"left:920px;bottom:559px;display:inline;\">\u2013 </div><div class=\"t s1_111\" id=\"t30_111\" style=\"left:981px;bottom:559px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t31_111\" style=\"left:1053px;bottom:559px;letter-spacing:0.16px;display:inline;\">10 </div><div class=\"t sf_111\" id=\"t32_111\" style=\"left:1119px;bottom:559px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t33_111\" style=\"left:626px;bottom:537px;letter-spacing:0.08px;word-spacing:-0.09px;display:inline;\">Personal Assurance Services Limited </div><div class=\"t sd_111\" id=\"t34_111\" style=\"left:914px;bottom:537px;letter-spacing:0.34px;display:inline;\">11 </div><div class=\"t s1_111\" id=\"t35_111\" style=\"left:981px;bottom:537px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t36_111\" style=\"left:1059px;bottom:537px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t37_111\" style=\"left:1120px;bottom:537px;display:inline;\">5 </div>\n<div class=\"t sc_111\" id=\"t38_111\" style=\"left:626px;bottom:515px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Personal Group Benefits Limited </div><div class=\"t s1_111\" id=\"t39_111\" style=\"left:920px;bottom:515px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3a_111\" style=\"left:981px;bottom:515px;display:inline;\">1 </div><div class=\"t sf_111\" id=\"t3b_111\" style=\"left:1059px;bottom:515px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t3c_111\" style=\"left:1119px;bottom:515px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t3d_111\" style=\"left:626px;bottom:493px;letter-spacing:0.08px;word-spacing:-0.06px;display:inline;\">Personal Assurance Financial Services Plc </div><div class=\"t s1_111\" id=\"t3e_111\" style=\"left:920px;bottom:493px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3f_111\" style=\"left:968px;bottom:493px;letter-spacing:0.3px;display:inline;\">137 </div><div class=\"t sf_111\" id=\"t3g_111\" style=\"left:1059px;bottom:493px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t3h_111\" style=\"left:1107px;bottom:493px;letter-spacing:0.24px;display:inline;\">137 </div>\n<div class=\"t sc_111\" id=\"t3i_111\" style=\"left:626px;bottom:471px;letter-spacing:0.1px;display:inline;\">Multiplelisting Limited </div><div class=\"t s1_111\" id=\"t3j_111\" style=\"left:920px;bottom:471px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3k_111\" style=\"left:968px;bottom:471px;letter-spacing:0.4px;display:inline;\">100 </div><div class=\"t sf_111\" id=\"t3l_111\" style=\"left:1059px;bottom:471px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t3m_111\" style=\"left:1106px;bottom:471px;letter-spacing:0.33px;display:inline;\">100 </div>\n<div class=\"t sc_111\" id=\"t3n_111\" style=\"left:626px;bottom:448px;letter-spacing:0.1px;word-spacing:0.01px;display:inline;\">Personal Management Solutions Limited </div><div class=\"t sd_111\" id=\"t3o_111\" style=\"left:920px;bottom:448px;display:inline;\">7 </div><div class=\"t s1_111\" id=\"t3p_111\" style=\"left:981px;bottom:448px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t3q_111\" style=\"left:1059px;bottom:448px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t3r_111\" style=\"left:1119px;bottom:448px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t3s_111\" style=\"left:626px;bottom:426px;letter-spacing:0.09px;word-spacing:0.02px;display:inline;\">Mutual Benefit Limited </div><div class=\"t s1_111\" id=\"t3t_111\" style=\"left:920px;bottom:426px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t3u_111\" style=\"left:974px;bottom:426px;letter-spacing:0.35px;display:inline;\">12 </div><div class=\"t sf_111\" id=\"t3v_111\" style=\"left:1059px;bottom:426px;display:inline;\">\u2013 </div><div class=\"t se_111\" id=\"t3w_111\" style=\"left:1113px;bottom:426px;letter-spacing:0.41px;display:inline;\">12 </div>\n<div class=\"t sc_111\" id=\"t3x_111\" style=\"left:626px;bottom:404px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Partake Services Limited </div><div class=\"t sd_111\" id=\"t3y_111\" style=\"left:920px;bottom:404px;display:inline;\">3 </div><div class=\"t s1_111\" id=\"t3z_111\" style=\"left:981px;bottom:404px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t40_111\" style=\"left:1059px;bottom:404px;display:inline;\">3 </div><div class=\"t sf_111\" id=\"t41_111\" style=\"left:1119px;bottom:404px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t42_111\" style=\"left:626px;bottom:382px;letter-spacing:0.08px;word-spacing:0.02px;display:inline;\">Personal Group Limited </div><div class=\"t s1_111\" id=\"t43_111\" style=\"left:920px;bottom:382px;display:inline;\">\u2013 </div><div class=\"t sd_111\" id=\"t44_111\" style=\"left:968px;bottom:382px;letter-spacing:0.18px;display:inline;\">178 </div><div class=\"t sf_111\" id=\"t45_111\" style=\"left:1059px;bottom:382px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t46_111\" style=\"left:1119px;bottom:382px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t47_111\" style=\"left:626px;bottom:360px;letter-spacing:0.07px;word-spacing:0.04px;display:inline;\">Berkeley Morgan Group Limited </div><div class=\"t sd_111\" id=\"t48_111\" style=\"left:920px;bottom:360px;display:inline;\">4 </div><div class=\"t s1_111\" id=\"t49_111\" style=\"left:981px;bottom:360px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t4a_111\" style=\"left:1059px;bottom:360px;display:inline;\">4 </div><div class=\"t sf_111\" id=\"t4b_111\" style=\"left:1119px;bottom:360px;display:inline;\">\u2013 </div>\n<div class=\"t sc_111\" id=\"t4c_111\" style=\"left:626px;bottom:338px;letter-spacing:0.09px;word-spacing:0.01px;display:inline;\">Innecto People Group Consulting Limited </div><div class=\"t sd_111\" id=\"t4d_111\" style=\"left:914px;bottom:338px;letter-spacing:0.26px;display:inline;\">16 </div><div class=\"t s1_111\" id=\"t4e_111\" style=\"left:981px;bottom:338px;display:inline;\">\u2013 </div><div class=\"t sf_111\" id=\"t4f_111\" style=\"left:1059px;bottom:338px;display:inline;\">4 </div><div class=\"t sf_111\" id=\"t4g_111\" style=\"left:1119px;bottom:338px;display:inline;\">\u2013 </div>\n<div class=\"t s1_111\" id=\"t4h_111\" style=\"left:626px;bottom:316px;letter-spacing:-0.06px;display:inline;\">Total </div><div class=\"t sd_111\" id=\"t4i_111\" style=\"left:914px;bottom:316px;letter-spacing:0.29px;display:inline;\">41 </div><div class=\"t sd_111\" id=\"t4j_111\" style=\"left:968px;bottom:316px;letter-spacing:0.33px;display:inline;\">428 </div><div class=\"t se_111\" id=\"t4k_111\" style=\"left:1053px;bottom:316px;letter-spacing:0.29px;display:inline;\">21 </div><div class=\"t se_111\" id=\"t4l_111\" style=\"left:1106px;bottom:316px;letter-spacing:0.47px;display:inline;\">254 </div>\n<div class=\"t sa_111\" id=\"t4m_111\" style=\"left:621px;bottom:276px;letter-spacing:-0.04px;word-spacing:-0.01px;display:inline;\">All balances are repayable on demand. None of the balances are secured. All balances </div>\n<div class=\"t sa_111\" id=\"t4n_111\" style=\"left:621px;bottom:258px;letter-spacing:-0.04px;word-spacing:-0.06px;display:inline;\">relate to intercompany funding balances. </div>\n<div class=\"t sh_111\" id=\"t4o_111\" style=\"left:621px;bottom:228px;letter-spacing:0.01px;word-spacing:-0.13px;display:inline;\">Transactions with Directors </div>\n<div class=\"t sa_111\" id=\"t4p_111\" style=\"left:621px;bottom:206px;letter-spacing:-0.04px;word-spacing:-0.11px;display:inline;\">During the year, no transactions were undertaken with Directors, or companies in which </div>\nDirectors were key decision makers.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14409": {
   "value": "33 Post balance sheet events There have been no post balance sheet events.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:213800TN8BH2YYWAH345",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  }
 }
}