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    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-9": {
   "value": "800000",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:TransactionCosts",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-8": {
   "value": "700000",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:TransactionCosts",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-11": {
   "value": "1600000",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:IncentiveFee",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-10": {
   "value": "1300000",
   "decimals": -5,
   "dimensions": {
    "concept": "osbgroupplc:IncentiveFee",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-400": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs3d\">1.<span class=\"_ _32\"> </span>Ac<span class=\"_ _0\"></span>counting policies<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs3e\">a<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Basis of pr<span class=\"_ _0\"></span>eparation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3f\">The financial st<span class=\"_ _4\"></span>atements have been pr<span class=\"_ _4\"></span>epared in accordance with Int<span class=\"_ _4\"></span>ernational Financial<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs40\">Reporting Standar<span class=\"_ _4\"></span>ds (IFRS) as adopted by the United Kingdom (UK) and interpret<span class=\"_ _4\"></span>ations issued<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs41\">by the IFRS Int<span class=\"_ _4\"></span>erpretations Committee (IFRS IC).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs42\">The financial st<span class=\"_ _4\"></span>atements have been pr<span class=\"_ _4\"></span>epared on a historic<span class=\"_ _4\"></span>al cost basis, as mo<span class=\"_ _4\"></span>dified by the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs43\">rev<span class=\"_ _4\"></span>aluation of inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _4\"></span>OCI and derivative contr<span class=\"_ _4\"></span>acts and other financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs44\">assets held at fair v<span class=\"_ _4\"></span>alue through profit or loss (FVTPL) (see note 1 n) vi.<span class=\"_ _1\"></span>).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs45\">The financial st<span class=\"_ _4\"></span>atements are pr<span class=\"_ _4\"></span>esented in pounds st<span class=\"_ _4\"></span>erling. All amounts in the financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs46\">st<span class=\"_ _4\"></span>atements have been r<span class=\"_ _4\"></span>ounded to the neares<span class=\"_ _4\"></span>t \u00a30.<span class=\"_ _1\"></span>1m (\u00a3m). Foreign operations are include<span class=\"_ _4\"></span>d in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs47\">accordance with the policies set out in this note<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs48\">b<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Going co<span class=\"_ _0\"></span>ncern<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs49\">The Board undertak<span class=\"_ _1\"></span>es regular rigorous assessments o<span class=\"_ _4\"></span>f whether the Group remains a going<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4a\">concern considering current and poten<span class=\"_ _4\"></span>tial future economic conditions and all available<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4b\">information about future risk<span class=\"_ _1\"></span>s and uncer<span class=\"_ _0\"></span>tain<span class=\"_ _4\"></span>ties.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c\">In assessing whether the going concern basis is appropriate<span class=\"_ _4\"></span>, projections for the Group hav<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4d\">been prepared, co<span class=\"_ _4\"></span>vering its future performance<span class=\"_ _4\"></span>, capital, and liquidity lev<span class=\"_ _4\"></span>els for a period in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e\">ex<span class=\"_ _4\"></span>cess of 12 months from the date of appr<span class=\"_ _4\"></span>oval of these Financial S<span class=\"_ _4\"></span>tatements<span class=\"_ _4\"></span>. These forecas<span class=\"_ _4\"></span>ts </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4f\">have been subject to sensitivity t<span class=\"_ _4\"></span>ests utilising a r<span class=\"_ _4\"></span>ange of stress scenarios<span class=\"_ _4\"></span>, which have been </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs50\">compared to the lat<span class=\"_ _4\"></span>est economic scenarios provided by the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s external economic </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs51\">advisors<span class=\"_ _4\"></span>, as well as re<span class=\"_ _4\"></span>verse s<span class=\"_ _4\"></span>tress tes<span class=\"_ _4\"></span>ts. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs52\">The assessments include the f<span class=\"_ _4\"></span>ollowing: </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs53\">\u2022<span class=\"_ _13\"> </span>Financial and capital for<span class=\"_ _4\"></span>ecasts w<span class=\"_ _4\"></span>ere prepare<span class=\"_ _4\"></span>d utilising the latest economic forec<span class=\"_ _4\"></span>asts<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs54\">provide<span class=\"_ _4\"></span>d by the Group\u2019<span class=\"_ _1\"></span>s external economic adviser<span class=\"_ _4\"></span>s. Re<span class=\"_ _4\"></span>verse s<span class=\"_ _4\"></span>tress tes<span class=\"_ _4\"></span>ts were run t<span class=\"_ _4\"></span>o identify<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs55\">combinations of adver<span class=\"_ _4\"></span>se movemen<span class=\"_ _4\"></span>ts in house prices and unemployment lev<span class=\"_ _4\"></span>els which would<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs56\">result in the Group br<span class=\"_ _4\"></span>eaching its minimum regulatory and to<span class=\"_ _4\"></span>tal loss absorbing capital<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs57\">requiremen<span class=\"_ _4\"></span>ts. The r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>se stress tes<span class=\"_ _4\"></span>ting also considered what macroeconomic scenarios<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs58\">would be r<span class=\"_ _4\"></span>equired for the Group t<span class=\"_ _4\"></span>o breach its interim 18% MREL<span class=\"_ _4\"></span> requiremen<span class=\"_ _4\"></span>t in July 2024<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs59\">The Director<span class=\"_ _4\"></span>s assessed the lik<span class=\"_ _4\"></span>elihood of those rev<span class=\"_ _4\"></span>erse str<span class=\"_ _4\"></span>ess scenarios occurring within the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a\">next 12 months and conclude<span class=\"_ _4\"></span>d that the likelihood is r<span class=\"_ _4\"></span>emote.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b\">\u2022<span class=\"_ _13\"> </span>The lates<span class=\"_ _4\"></span>t liquidity and contingent liquidity positions and forec<span class=\"_ _4\"></span>asts w<span class=\"_ _4\"></span>ere assessed against<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c\">the Internal Liquidity Ade<span class=\"_ _4\"></span>quacy Assessment Process (ILAAP) str<span class=\"_ _4\"></span>ess scenarios.<span class=\"_ _311\"> </span></div>\u2022<span class=\"_ _13\"> </span>The Group continues t<span class=\"_ _4\"></span>o assess the resilience of its business oper<span class=\"_ _4\"></span>ating model and<span class=\"_ _311\"> </span>supporting infras<span class=\"_ _4\"></span>tructure in the context o<span class=\"_ _4\"></span>f the emerging economic, business and re<span class=\"_ _4\"></span>gulatory<span class=\"_ _311\"> </span>environmen<span class=\"_ _4\"></span>t. The k<span class=\"_ _4\"></span>ey areas of focus continue t<span class=\"_ _4\"></span>o be the provision of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s Impor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ant<span class=\"_ _311\"> </span>Business Services, minimising the impact of any service disruptions on the firm<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s customers<span class=\"_ _311\"> </span>or the wider financial services industry. The Group recognises the need t<span class=\"_ _4\"></span>o continually inves<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span>in the resilience of its services<span class=\"_ _4\"></span>, with specific focus in 2023 on ensuring that the third parties<span class=\"_ _311\"> </span>on which it depends have the appr<span class=\"_ _4\"></span>opriate levels o<span class=\"_ _4\"></span>f resilience and in fur<span class=\"_ _0\"></span>ther aut<span class=\"_ _4\"></span>omating<span class=\"_ _311\"> </span>those processes that are sensitiv<span class=\"_ _4\"></span>e to increases in volume<span class=\"_ _4\"></span>. The Group produced it<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s 2023<span class=\"_ _311\"> </span>self-assessment report, which confirmed compliance with regulat<span class=\"_ _4\"></span>ory expectations<span class=\"_ _4\"></span>, and<span class=\"_ _311\"> </span>that there w<span class=\"_ _4\"></span>ere no items identified that could thre<span class=\"_ _4\"></span>aten the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s viability over the going<span class=\"_ _311\"> </span>concern assessment time horiz<span class=\"_ _4\"></span>on.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s financial projections demons<span class=\"_ _4\"></span>trate that the Group has sufficient capital and<span class=\"_ _311\"> </span>liquidity to continue to meet it<span class=\"_ _4\"></span>s regulatory capital r<span class=\"_ _4\"></span>equirements as set out by the Prudential<span class=\"_ _311\"> </span>Regulation Authority (PR<span class=\"_ _4\"></span>A).<span class=\"_ _311\"> </span>The Board has ther<span class=\"_ _4\"></span>efore concluded that the Group has sufficient financial resour<span class=\"_ _4\"></span>ces and<span class=\"_ _311\"> </span>expected oper<span class=\"_ _4\"></span>ational resilience for a period in e<span class=\"_ _4\"></span>xcess of 12 months and as a result, it is<span class=\"_ _311\"> </span>appropriate to pr<span class=\"_ _4\"></span>epare these financial st<span class=\"_ _4\"></span>atements on a going concern basis.<span class=\"_ _311\"> </span>c<span class=\"_ _4\"></span>)<span class=\"_ _27\"> </span>B<span class=\"_ _0\"></span>asis of conso<span class=\"_ _0\"></span>lidation<span class=\"_ _311\"> </span>The Group accounts include the r<span class=\"_ _4\"></span>esults of the Company and all its subsidiary undertakings.<span class=\"_ _311\"> </span>Subsidiaries are those entities<span class=\"_ _4\"></span>, including structur<span class=\"_ _4\"></span>ed entities, o<span class=\"_ _4\"></span>ver which the Group has contr<span class=\"_ _4\"></span>ol.<span class=\"_ _311\"> </span>The Group contr<span class=\"_ _4\"></span>ols an entity when it is exposed, or has right<span class=\"_ _4\"></span>s, to variable r<span class=\"_ _4\"></span>eturns from its<span class=\"_ _311\"> </span>inv<span class=\"_ _4\"></span>olvement with the entity and has the ability t<span class=\"_ _4\"></span>o af<span class=\"_ _0\"></span>fect those re<span class=\"_ _4\"></span>turns through its pow<span class=\"_ _4\"></span>er over<span class=\"_ _311\"> </span>the inv<span class=\"_ _4\"></span>estee.<span class=\"_ _311\"> </span>Judgement is applied in assessing the rele<span class=\"_ _4\"></span>vant fact<span class=\"_ _4\"></span>ors and conditions in totality when<span class=\"_ _311\"> </span>determining whether the Group con<span class=\"_ _4\"></span>trols an entity. Specifically, judgement is applied in<span class=\"_ _311\"> </span>assessing whether the Group has subs<span class=\"_ _4\"></span>tantive decision-making righ<span class=\"_ _4\"></span>ts over the r<span class=\"_ _4\"></span>elevant<span class=\"_ _311\"> </span>activities and whether it is ex<span class=\"_ _4\"></span>ercising pow<span class=\"_ _4\"></span>er as a principal or an agent.<span class=\"_ _311\"> </span>The Group is not deemed to con<span class=\"_ _4\"></span>trol an entity when it ex<span class=\"_ _4\"></span>ercises pow<span class=\"_ _4\"></span>er over an en<span class=\"_ _4\"></span>tity in an<span class=\"_ _311\"> </span>agency capacity. In determining whether the Group is ac<span class=\"_ _4\"></span>ting as an agent, the Directors<span class=\"_ _311\"> </span>consider the ov<span class=\"_ _4\"></span>erall relationship betw<span class=\"_ _4\"></span>een the Group, the inv<span class=\"_ _4\"></span>estee and other parties to the<span class=\"_ _311\"> </span>arrangemen<span class=\"_ _4\"></span>t with respect to the follo<span class=\"_ _4\"></span>wing factors: (i) the scope of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s decision-making<span class=\"_ _311\"> </span>pow<span class=\"_ _4\"></span>er; (ii) the rights held by other parties; (iii) the remuner<span class=\"_ _4\"></span>ation to which the Group is entitled;<span class=\"_ _311\"> </span>and (iv) the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s exposure to variability o<span class=\"_ _4\"></span>f returns. The det<span class=\"_ _4\"></span>ermination of control is based on<span class=\"_ _311\"> </span>the current f<span class=\"_ _4\"></span>acts and circumst<span class=\"_ _4\"></span>ances and is continuously assessed.<div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs70\">Where the Group does not r<span class=\"_ _4\"></span>etain a direct owner<span class=\"_ _4\"></span>ship interes<span class=\"_ _4\"></span>t in a securitisation entity, but </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs71\">the Director<span class=\"_ _4\"></span>s have determined that the Gr<span class=\"_ _4\"></span>oup controls those entities<span class=\"_ _4\"></span>, they are treated as </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs72\">subsidiaries and are consolidated. Con<span class=\"_ _4\"></span>trol is determined to exis<span class=\"_ _4\"></span>t if the Group has the po<span class=\"_ _4\"></span>wer to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs73\">direct the activities of each en<span class=\"_ _4\"></span>tity (for example<span class=\"_ _4\"></span>, managing the performance of the underlying </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74\">mortgage assets and raising debt on those mortgage assets which is used t<span class=\"_ _4\"></span>o fund the Group) </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs75\">and, in addition to this<span class=\"_ _4\"></span>, the Group is exposed to a v<span class=\"_ _4\"></span>ariable return (for ex<span class=\"_ _4\"></span>ample, retaining the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs76\">residual risk on the mortgage assets). Securitisation s<span class=\"_ _4\"></span>tructures that do not meet these criteria </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs77\">are not tre<span class=\"_ _4\"></span>ated as subsidiaries and are ex<span class=\"_ _4\"></span>cluded from the consolidated accounts<span class=\"_ _4\"></span>. The Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs78\">applies the net approach in accounting f<span class=\"_ _4\"></span>or securitisation structures wher<span class=\"_ _4\"></span>e it retains an inter<span class=\"_ _4\"></span>est </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79\">in the securitisation, netting the loan notes held agains<span class=\"_ _4\"></span>t the deemed loan balance. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a\">Subsidiaries are fully consolidated fr<span class=\"_ _4\"></span>om the date on which control is tr<span class=\"_ _4\"></span>ansferred to the Gr<span class=\"_ _4\"></span>oup </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7b\">and are deconsolidated fr<span class=\"_ _4\"></span>om the date that control ceases<span class=\"_ _4\"></span>. Upon consolidation, intercompany </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7c\">transactions<span class=\"_ _4\"></span>, balances and unrealised gains on tr<span class=\"_ _4\"></span>ansactions are eliminated. Unrealised </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7d\">losses are also eliminated unless the tr<span class=\"_ _4\"></span>ansaction provides e<span class=\"_ _4\"></span>vidence of impairment of the asset </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7e\">transf<span class=\"_ _4\"></span>erred. Accounting policies of subsidiaries hav<span class=\"_ _4\"></span>e been changed where necessary to ensure </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7f\">consistency, so f<span class=\"_ _4\"></span>ar as is possible, with the policies adopted by the Gr<span class=\"_ _4\"></span>oup. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs80\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s EBT is con<span class=\"_ _4\"></span>trolled and recognised by the Company using the look<span class=\"_ _4\"></span>-through </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs81\">approach, i.<span class=\"_ _4\"></span>e. as if the EBT is include<span class=\"_ _4\"></span>d within the accounts of the Company. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs82\">In the Company\u2019<span class=\"_ _1\"></span>s financial stat<span class=\"_ _4\"></span>ements, in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>ts in subsidiary undertakings are stat<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs83\">at cost less impairmen<span class=\"_ _4\"></span>t. A full list of the Company\u2019<span class=\"_ _1\"></span>s subsidiaries which are included in the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs84\">Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s consolidated financial s<span class=\"_ _4\"></span>tatements can be f<span class=\"_ _4\"></span>ound in note 2 to the Company\u2019<span class=\"_ _1\"></span>s financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs85\">st<span class=\"_ _4\"></span>atements on page 254 and 255<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs86\">d) <span class=\"_ _182\"> </span>Foreign c<span class=\"_ _0\"></span>urrency trans<span class=\"_ _0\"></span>lation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs87\">The financial st<span class=\"_ _4\"></span>atements of each o<span class=\"_ _4\"></span>f the Company\u2019<span class=\"_ _4\"></span>s subsidiaries are measure<span class=\"_ _4\"></span>d using the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs88\">currency of the primary economic en<span class=\"_ _4\"></span>vironment in which the subsidiary operat<span class=\"_ _4\"></span>es (the functional </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs89\">currency). Foreign curr<span class=\"_ _4\"></span>ency transactions are tr<span class=\"_ _4\"></span>anslated into the functional curr<span class=\"_ _4\"></span>encies using </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs8a\">the ex<span class=\"_ _4\"></span>change rates pre<span class=\"_ _4\"></span>vailing at the date of the transac<span class=\"_ _4\"></span>tions. Monetary items denominate<span class=\"_ _4\"></span>d in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs8b\">foreign curr<span class=\"_ _4\"></span>encies are retranslat<span class=\"_ _4\"></span>ed at the rate pre<span class=\"_ _4\"></span>vailing at the period end.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs8c\">e<span class=\"_ _4\"></span>) <span class=\"_ _10\"> </span>S<span class=\"_ _0\"></span>egmental r<span class=\"_ _0\"></span>eportin<span class=\"_ _0\"></span>g<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs8d\">IFRS 8 requir<span class=\"_ _4\"></span>es operating segment<span class=\"_ _4\"></span>s to be identified on the basis of int<span class=\"_ _4\"></span>ernal reports and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs8e\">components of the Gr<span class=\"_ _4\"></span>oup which are regularly re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed by the chief operating decision mak<span class=\"_ _1\"></span>er </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs8f\">to allocate r<span class=\"_ _4\"></span>esources to segments and to assess their performance<span class=\"_ _4\"></span>. For this purpose, the chief </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs90\">operating decision mak<span class=\"_ _1\"></span>er of the Group is the Board o<span class=\"_ _4\"></span>f Directors<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs91\">The Group pro<span class=\"_ _4\"></span>vides loans and asset finance within the UK and the Channel Islands only.<span class=\"_ _311\"> </span></div>The Group segment<span class=\"_ _4\"></span>s its lending business and operates under tw<span class=\"_ _4\"></span>o segments: \u2022 <span class=\"_ _26\"> </span>OneSavings Bank (OSB)<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>Char<span class=\"_ _0\"></span>ter Court Financial Services (CCFS)<span class=\"_ _311\"> </span>The Group has disclosed rele<span class=\"_ _4\"></span>vant risk management t<span class=\"_ _4\"></span>ables in note 44 at a sub-segment lev<span class=\"_ _4\"></span>el to provide de<span class=\"_ _4\"></span>tailed analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s core lending business<span class=\"_ _4\"></span>. f<span class=\"_ _0\"></span>) <span class=\"_ _11\"> </span>Interest income a<span class=\"_ _4\"></span>nd expense<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income and inter<span class=\"_ _4\"></span>est expense for all in<span class=\"_ _4\"></span>terest-be<span class=\"_ _4\"></span>aring financial instruments measur<span class=\"_ _4\"></span>ed at amortised cost and FV<span class=\"_ _4\"></span>OCI are recognised in pro<span class=\"_ _4\"></span>fit or loss using the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate (EIR) method. The EIR is the rat<span class=\"_ _4\"></span>e which discounts the expected futur<span class=\"_ _4\"></span>e cash flows<span class=\"_ _4\"></span>, over the e<span class=\"_ _4\"></span>xpected life of the financial ins<span class=\"_ _4\"></span>trument, to the net carrying value o<span class=\"_ _4\"></span>f the financial asset or liability. Inter<span class=\"_ _4\"></span>est income on financial assets categorise<span class=\"_ _4\"></span>d as stage 1 or 2 are r<span class=\"_ _4\"></span>ecognised on a gross basis, with inter<span class=\"_ _4\"></span>est income on st<span class=\"_ _4\"></span>age 3 assets recognised net of e<span class=\"_ _4\"></span>xpected credit losses (ECL). For purchased or cre<span class=\"_ _4\"></span>dit-impaired assets (see note 1 n) vii.<span class=\"_ _3\"></span>), interes<span class=\"_ _4\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _4\"></span>ted EIR to the amortised cost of the asset. The c<span class=\"_ _4\"></span>alculation of inter<span class=\"_ _4\"></span>est<span class=\"_ gs27\"> </span>income does not rev<span class=\"_ _4\"></span>ert to a gross basis ev<span class=\"_ _4\"></span>en if the credit risk of the asset impro<span class=\"_ _4\"></span>ves. See<span class=\"_ gs27\"> </span>note 1 n) ii. for further information on IFRS 9 s<span class=\"_ _4\"></span>tage classifications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When calculating the EIR, the Group es<span class=\"_ _4\"></span>timates cash flo<span class=\"_ _4\"></span>ws considering all contractual terms o<span class=\"_ _4\"></span>f the instrumen<span class=\"_ _4\"></span>t and behavioural aspects (for e<span class=\"_ _4\"></span>xample, prepaymen<span class=\"_ _4\"></span>t options) but not considering future credit losses<span class=\"_ _4\"></span>. The calculation of the EIR includes tr<span class=\"_ _4\"></span>ansaction costs and fees paid or receive<span class=\"_ _4\"></span>d that are an integr<span class=\"_ _4\"></span>al par<span class=\"_ _0\"></span>t o<span class=\"_ _4\"></span>f the interes<span class=\"_ _4\"></span>t rate, t<span class=\"_ _4\"></span>ogether with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _4\"></span>. T<span class=\"_ _4\"></span>ransaction cos<span class=\"_ _4\"></span>ts include incremental cos<span class=\"_ _4\"></span>ts that are directly attribut<span class=\"_ _4\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>The Group monitor<span class=\"_ _4\"></span>s the actual cash flows f<span class=\"_ _4\"></span>or each por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olio and resets cash flow<span class=\"_ _4\"></span>s on a monthly basis<span class=\"_ _4\"></span>, discounted at the EIR to deriv<span class=\"_ _4\"></span>e a new carrying value<span class=\"_ _4\"></span>, with changes tak<span class=\"_ _4\"></span>en to profit or loss as in<span class=\"_ _4\"></span>terest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The EIR is adjust<span class=\"_ _4\"></span>ed where there is a mov<span class=\"_ _4\"></span>ement in the ref<span class=\"_ _4\"></span>erence interes<span class=\"_ _4\"></span>t rate (SONIA, syn<span class=\"_ _4\"></span>thetic LIBOR or base rat<span class=\"_ _4\"></span>e) af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ecting por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olios with a variable interes<span class=\"_ _4\"></span>t rate which will impact futur<span class=\"_ _4\"></span>e cash flow<span class=\"_ _4\"></span>s. The re<span class=\"_ _4\"></span>vised EIR is the rate which ex<span class=\"_ _4\"></span>actly discounts the re<span class=\"_ _4\"></span>vised cash flows t<span class=\"_ _4\"></span>o the net carrying value of the lo<span class=\"_ _4\"></span>an por<span class=\"_ _0\"></span>tfolio<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income on inv<span class=\"_ _4\"></span>estment securities is included in int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>eceivable and similar income. Inter<span class=\"_ _4\"></span>est on derivativ<span class=\"_ _4\"></span>es is included in interes<span class=\"_ _4\"></span>t receivable and similar income or inter<span class=\"_ _4\"></span>est expense and similar charges f<span class=\"_ _4\"></span>ollowing the underlying instrumen<span class=\"_ _4\"></span>t it is hedging.<span class=\"_ _311\"> </span>Coupons paid on A<span class=\"_ _1\"></span>T1 securities are recognised directly in equity in the period in which they are<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gsb1\">g)<span class=\"_ _12\"> </span>Fees an<span class=\"_ _0\"></span>d commission<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb2\">Fees and commissions which are an inte<span class=\"_ _4\"></span>gral part of the EIR of a financial instrumen<span class=\"_ _4\"></span>t are<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb3\">recognised as an adjus<span class=\"_ _4\"></span>tment to the EIR and recor<span class=\"_ _4\"></span>ded in interes<span class=\"_ _4\"></span>t income. The Group includes<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb4\">early redemption char<span class=\"_ _4\"></span>ges within the EIR.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb5\">Fees received on mortgage adminis<span class=\"_ _4\"></span>tration services and mortgage origination activities, which </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb6\">are not an int<span class=\"_ _4\"></span>egral part of the EIR, are r<span class=\"_ _4\"></span>ecorded in other operating income and account<span class=\"_ _4\"></span>ed for </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb7\">in accordance with IFRS 15 R<span class=\"_ _4\"></span>evenue fr<span class=\"_ _4\"></span>om Contracts with Cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>, with income recognised </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb8\">when the services are delivered and the bene<span class=\"_ _4\"></span>fits are transf<span class=\"_ _4\"></span>erred to clients and cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsb9\">Other fees and commissions are r<span class=\"_ _4\"></span>ecognised on the accrual basis as ser<span class=\"_ _0\"></span>vices are pr<span class=\"_ _4\"></span>ovided or on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsba\">the performance of a significant act, net o<span class=\"_ _4\"></span>f V<span class=\"_ _4\"></span>A<span class=\"_ _1\"></span>T and similar taxes.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gsbb\">h<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Inte<span class=\"_ _0\"></span>gration cost<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsbc\">Integr<span class=\"_ _4\"></span>ation costs ar<span class=\"_ _4\"></span>e items of income or expense arising from the mer<span class=\"_ _4\"></span>ger of OSB and CCFS<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsbd\">(the Combination) that do not relate to the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s core operating activities<span class=\"_ _4\"></span>, are not expect<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsbe\">to recur and ar<span class=\"_ _4\"></span>e material in the context of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s performance. These cos<span class=\"_ _4\"></span>ts are disclosed<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsbf\">separately within the Consolidat<span class=\"_ _4\"></span>ed Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the Notes to the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc0\">Consolidated Financial Stat<span class=\"_ _4\"></span>ements.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws124 gsc1\">i) T<span class=\"_ _4\"></span>axation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc2\">Income tax comprises current and de<span class=\"_ _4\"></span>ferred tax<span class=\"_ _4\"></span>. It is recognised in profit or loss<span class=\"_ _4\"></span>, other<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc3\">comprehensive income (<span class=\"_ _4\"></span>OCI) or directly in equity, consisten<span class=\"_ _4\"></span>t with the recognition of items it<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc4\">relates to<span class=\"_ _4\"></span>. The Group recognises tax on coupons paid on A<span class=\"_ _1\"></span>T1 securities directly in pro<span class=\"_ _4\"></span>fit or loss.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc5\">Deferre<span class=\"_ _4\"></span>d tax assets are recognised only t<span class=\"_ _4\"></span>o the extent that it is pr<span class=\"_ _4\"></span>obable that future taxable </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc6\">profit<span class=\"_ _4\"></span>s will be available to utilise the asset. The recognition of de<span class=\"_ _4\"></span>ferred tax asset is mainly </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc7\">dependent on the projections o<span class=\"_ _4\"></span>f future taxable pr<span class=\"_ _4\"></span>ofits and future re<span class=\"_ _4\"></span>versals o<span class=\"_ _4\"></span>f temporary </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc8\">differences. The curr<span class=\"_ _4\"></span>ent projections of futur<span class=\"_ _4\"></span>e taxable income indicate that the Group will be </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsc9\">able to utilise its def<span class=\"_ _4\"></span>erred tax asset within the for<span class=\"_ _4\"></span>eseeable future.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsca\">Deferre<span class=\"_ _4\"></span>d tax liabilities are recognised for all t<span class=\"_ _4\"></span>axable temporary differences<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gscb\">The Company and its tax<span class=\"_ _4\"></span>-paying UK subsidiaries are in a group payment arr<span class=\"_ _4\"></span>angement for </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gscc\">corporation tax and sho<span class=\"_ _4\"></span>w a net corporation tax liability and de<span class=\"_ _4\"></span>ferred tax liability accor<span class=\"_ _4\"></span>dingly. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gscd\">The Company and its UK subsidiaries are in the same V<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>T group.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws125 gsce\">j) D<span class=\"_ _0\"></span>ividen<span class=\"_ _0\"></span>ds<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gscf\">Dividends are recognise<span class=\"_ _4\"></span>d in equity in the period in which they are paid or<span class=\"_ _1\"></span>, if earlier<span class=\"_ _4\"></span>, approv<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsd0\">by shareholder<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span></div>k)<span class=\"_ _32\"> </span>Cas<span class=\"_ _0\"></span>h and cash e<span class=\"_ _0\"></span>quivalents<span class=\"_ _311\"> </span>For the purposes of the Consolidated St<span class=\"_ _4\"></span>atement of Cash Flo<span class=\"_ _4\"></span>ws, cash and cash equiv<span class=\"_ _4\"></span>alents<span class=\"_ _311\"> </span>comprise cash, non-res<span class=\"_ _4\"></span>tricted balances with credit ins<span class=\"_ _4\"></span>titutions and highly liquid financial<span class=\"_ _311\"> </span>assets with maturities of less than thr<span class=\"_ _4\"></span>ee months from date of acquisition, subject t<span class=\"_ _4\"></span>o an<span class=\"_ _311\"> </span>insignificant risk of changes in their f<span class=\"_ _4\"></span>air value and are used by the Group in the managemen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span>of its short-term commitments<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>l)<span class=\"_ _a5\"> </span>Intangible as<span class=\"_ _0\"></span>sets<span class=\"_ _311\"> </span>Purchased softw<span class=\"_ _4\"></span>are and costs dir<span class=\"_ _4\"></span>ectly associated with the developmen<span class=\"_ _4\"></span>t of computer softwar<span class=\"_ _4\"></span>e<span class=\"_ _311\"> </span>are capitalise<span class=\"_ _4\"></span>d as intangible assets where the softw<span class=\"_ _4\"></span>are is a unique and identifiable asset<span class=\"_ _311\"> </span>controlled by the Gr<span class=\"_ _4\"></span>oup and will generate future economic bene<span class=\"_ _4\"></span>fits. Cost<span class=\"_ _4\"></span>s to establish<span class=\"_ _311\"> </span>technological fe<span class=\"_ _4\"></span>asibility or to maintain exis<span class=\"_ _4\"></span>ting levels o<span class=\"_ _4\"></span>f performance are recognised as an<span class=\"_ _311\"> </span>expense<span class=\"_ _4\"></span>. The Group only recognises internally gener<span class=\"_ _4\"></span>ated intangible asse<span class=\"_ _4\"></span>ts if all of the following<span class=\"_ _311\"> </span>conditions are met:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>an asset is being creat<span class=\"_ _4\"></span>ed that can be identified after establishing the t<span class=\"_ _4\"></span>echnical and<span class=\"_ _311\"> </span>commercial feasibility o<span class=\"_ _4\"></span>f the resulting product;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>it is probable that the asset cr<span class=\"_ _4\"></span>eated will generate futur<span class=\"_ _4\"></span>e economic benefits; and<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the dev<span class=\"_ _4\"></span>elopment cost of the asse<span class=\"_ _4\"></span>t can be measured reliably.<span class=\"_ _311\"> </span>Subsequent e<span class=\"_ _4\"></span>xpenditure on an internally gener<span class=\"_ _4\"></span>ated intangible asset, after its purchase or completion, is recognised as an e<span class=\"_ _4\"></span>xpense in the period in which it is incurred. Where no internally gener<span class=\"_ _4\"></span>ated intangible asset can be r<span class=\"_ _4\"></span>ecognised, developmen<span class=\"_ _4\"></span>t expenditure is recognised as an e<span class=\"_ _4\"></span>xpense in the period in which it is incurred.<span class=\"_ _311\"> </span>An intangible asset is only r<span class=\"_ _4\"></span>ecognised if:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>The Group has the contr<span class=\"_ _4\"></span>actual right to tak<span class=\"_ _1\"></span>e possession of the software during the hos<span class=\"_ _4\"></span>ting<span class=\"_ _311\"> </span>period without significant penalty; and<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>It is feasible f<span class=\"_ _4\"></span>or the Group to run the software on it<span class=\"_ _4\"></span>s own hardw<span class=\"_ _4\"></span>are or contr<span class=\"_ _4\"></span>act with a par<span class=\"_ _0\"></span>ty<span class=\"_ _311\"> </span>unrelated t<span class=\"_ _4\"></span>o the supplier to host the softwar<span class=\"_ _4\"></span>e.<span class=\"_ _311\"> </span>The costs o<span class=\"_ _4\"></span>f configuring or customising supplier application so<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>tw<span class=\"_ _4\"></span>are in a Softwar<span class=\"_ _4\"></span>e-as-a-<span class=\"_ _311\"> </span>service (SaaS) arrangement that is determined t<span class=\"_ _4\"></span>o be a ser<span class=\"_ _0\"></span>vice contr<span class=\"_ _4\"></span>act is recognised as an expense or prepaymen<span class=\"_ _4\"></span>t. SaaS is an arrangement that pr<span class=\"_ _4\"></span>ovides the Group with the right to receive access t<span class=\"_ _4\"></span>o the supplier\u2019<span class=\"_ _4\"></span>s application software in the futur<span class=\"_ _4\"></span>e which is treated as a service contr<span class=\"_ _4\"></span>act, rather than a software le<span class=\"_ _4\"></span>ase or the acquisition of a software in<span class=\"_ _4\"></span>tangible asset. Where the configuration and cus<span class=\"_ _4\"></span>tomisation services are not distinct fr<span class=\"_ _4\"></span>om the right to receive access to the softwar<span class=\"_ _4\"></span>e, then the costs ar<span class=\"_ _4\"></span>e recognised as an expense o<span class=\"_ _4\"></span>ver the term of the arr<span class=\"_ _4\"></span>angement.<span class=\"_ _311\"> </span> <div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gsf5\">Intangible asset<span class=\"_ _4\"></span>s are revie<span class=\"_ _4\"></span>wed for impairmen<span class=\"_ _4\"></span>t at least semi-annually, and if they are consider<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gsf6\">to be impaired, ar<span class=\"_ _4\"></span>e written down immediately t<span class=\"_ _4\"></span>o their recover<span class=\"_ _4\"></span>able amounts<span class=\"_ _4\"></span>. Impairment losses<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gsf7\">previously r<span class=\"_ _4\"></span>ecognised for intangible asset<span class=\"_ _4\"></span>s, other than goodwill, are r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sed when there has<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws7 gsf8\">been a change in the estimates use<span class=\"_ _4\"></span>d to determine the asset\u2019<span class=\"_ _3\"></span>s recover<span class=\"_ _4\"></span>able amount. An impairment<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gsf9\">loss rev<span class=\"_ _4\"></span>ersal is recognise<span class=\"_ _4\"></span>d in the Consolidated Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gsfa\">carrying amount of the asset is incr<span class=\"_ _4\"></span>eased to its reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsfb\">Intangible asset<span class=\"_ _4\"></span>s are amortised in profit or loss ov<span class=\"_ _4\"></span>er their estimated useful liv<span class=\"_ _4\"></span>es as follows:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsfc\">Software licence <span class=\"_ _11\"> </span> <span class=\"_ _73\"> </span>3\u20135 year str<span class=\"_ _4\"></span>aight line<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsfd\">Brand <span class=\"_ _120\"> </span>4 year str<span class=\"_ _4\"></span>aight line<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsfe\">Brok<span class=\"_ _1\"></span>er relationships <span class=\"_ _53\"> </span>5 year profile<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsff\">Bank licence <span class=\"_ _1a4\"> </span>3 year straigh<span class=\"_ _4\"></span>t line<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs100\">For dev<span class=\"_ _4\"></span>elopment costs o<span class=\"_ _4\"></span>f assets that are under construction, no amortisation is applied until </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs101\">the asset is available for use and is calculat<span class=\"_ _4\"></span>ed using a full month when available for use<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs102\">The Group re<span class=\"_ _4\"></span>views the amortisation period on an annual basis. If the e<span class=\"_ _4\"></span>xpected useful life o<span class=\"_ _4\"></span>f an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs103\">asset is different from pr<span class=\"_ _4\"></span>evious assessments<span class=\"_ _4\"></span>, the amortisation period is changed accordingly. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs104\">m<span class=\"_ _4\"></span>)<span class=\"_ _124\"> </span>Prop<span class=\"_ _0\"></span>erty, pl<span class=\"_ _0\"></span>ant and equipme<span class=\"_ _0\"></span>nt<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs105\">Property, plant and equipment comprise fr<span class=\"_ _4\"></span>eehold land and buildings, major alter<span class=\"_ _4\"></span>ations<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs106\">to office premises, comput<span class=\"_ _4\"></span>er equipment and fixtures measure<span class=\"_ _4\"></span>d at cost less accumulated<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs107\">depreciation. These assets ar<span class=\"_ _4\"></span>e revie<span class=\"_ _4\"></span>wed for impairment annually, and if they ar<span class=\"_ _4\"></span>e considered to<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs108\">be impaired, are writt<span class=\"_ _4\"></span>en down immediately to their r<span class=\"_ _4\"></span>ecover<span class=\"_ _4\"></span>able amounts.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs109\">Items of pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty, plant and e<span class=\"_ _4\"></span>quipment are depreciated on a s<span class=\"_ _4\"></span>traight-line basis o<span class=\"_ _4\"></span>ver their </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs10a\">estimat<span class=\"_ _4\"></span>ed useful economic lives as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws126 gs10b\">Buildings<span class=\"_ _d3\"> </span>50 <span class=\"_ _233\"></span>years<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs10c\">Fixtures &amp; fittings<span class=\"_ _4\"></span>, computer hardw<span class=\"_ _4\"></span>are and vehicles <span class=\"_ _4f\"> </span>5 year<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs10d\">Le<span class=\"_ _4\"></span>asehold improvemen<span class=\"_ _4\"></span>ts <span class=\"_ _134\"> </span>Shorter o<span class=\"_ _4\"></span>f useful life or lease term<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs10e\">Land, deemed t<span class=\"_ _4\"></span>o be 25% of purchase price of buildings<span class=\"_ _4\"></span>, is not depreciated. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsf8 wsff gs110\">n<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Financi<span class=\"_ _0\"></span>al instruments<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsa4 ws127 gs111\">i. Recognition<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs112\">The Group initially recognises lo<span class=\"_ _4\"></span>ans and advances, deposits<span class=\"_ _4\"></span>, debt securities issued and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs113\">subordinate<span class=\"_ _4\"></span>d liabilities on the date on which they are originated or acquir<span class=\"_ _4\"></span>ed. All other financial<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs114\">instrumen<span class=\"_ _4\"></span>ts are accounted f<span class=\"_ _4\"></span>or on the trade date which is when the Group becomes a party to<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs115\">the contr<span class=\"_ _4\"></span>actual provisions of the ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs116\">For financial instrumen<span class=\"_ _4\"></span>ts classified as amortised cost or FV<span class=\"_ _4\"></span>OCI, the Group initially recognises </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs117\">financial assets and financial liabilities at fair v<span class=\"_ _4\"></span>alue plus transaction income or costs that ar<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs118\">directly attributable to it<span class=\"_ _4\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _4\"></span>truments classified as </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs119\">amortised cost are subsequen<span class=\"_ _4\"></span>tly measured using the EIR method. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs11a\">T<span class=\"_ _1\"></span>ransaction cost<span class=\"_ _4\"></span>s directly attributable to the acquisition or issue of a financial ins<span class=\"_ _4\"></span>trument at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs11b\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> are recognised in pro<span class=\"_ _4\"></span>fit or loss as incurred. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls51 ws128 gs11c\">ii. Classification<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs11d\">The Group classifies financial ins<span class=\"_ _4\"></span>truments based on the business model and the contr<span class=\"_ _4\"></span>actual<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs11e\">cash flow char<span class=\"_ _4\"></span>acteristics o<span class=\"_ _4\"></span>f the financial instruments<span class=\"_ _4\"></span>. In accordance with IFRS 9<span class=\"_ _3\"></span>, the Group<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs11f\">classifies financial assets int<span class=\"_ _4\"></span>o one of three measurement c<span class=\"_ _4\"></span>ategories:<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs120\">\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">Amortised c<span class=\"_ _0\"></span>ost</span> \u2013 assets in a business mo<span class=\"_ _4\"></span>del to hold financial assets in order to collect<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs121\">contr<span class=\"_ _4\"></span>actual cash flows<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial asset give rise on<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs122\">specified dates to cash flo<span class=\"_ _4\"></span>ws that are solely payment<span class=\"_ _4\"></span>s of principal and interes<span class=\"_ _4\"></span>t (SPPI) on the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs123\">principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs124\">\u2022<span class=\"_ _13\"> </span><span class=\"ff1 ls88 ws8d\">F<span class=\"_ _0\"></span>VO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span></span> \u2013 assets held in a business model which collects contr<span class=\"_ _4\"></span>actual cash flows and sells<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs125\">financial assets<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial assets give rise on specified<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs126\">dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs127\">\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">FV<span class=\"_ _0\"></span>TPL</span> \u2013 assets not me<span class=\"_ _4\"></span>asured at amortised cost or FV<span class=\"_ _4\"></span>OCI. The Group measures derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs128\">an acquired mortgage portfolio and an inv<span class=\"_ _4\"></span>estment security under this cat<span class=\"_ _4\"></span>egory.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs129\">The Group reassesses it<span class=\"_ _4\"></span>s business models each reporting period.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs12a\">The Group classifies non-derivativ<span class=\"_ _4\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs12c\">The Group classifies certain financial instrumen<span class=\"_ _4\"></span>ts as equity where they meet the follo<span class=\"_ _4\"></span>wing<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs12d\">conditions:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs12e\">\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t includes no contractual obligation to deliv<span class=\"_ _4\"></span>er cash or another<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs12f\">financial asset on potentially unf<span class=\"_ _4\"></span>avourable conditions;<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs130\">\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t is a non-derivative that includes no contr<span class=\"_ _4\"></span>actual obligation for the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs131\">issuer to deliver a v<span class=\"_ _4\"></span>ariable number of its own equity ins<span class=\"_ _4\"></span>truments; or<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs132\">\u2022<span class=\"_ _13\"> </span><span class=\"ls74\">the financial instrumen<span class=\"_ _4\"></span>t is a derivative that will be settled only by the issuer e<span class=\"_ _4\"></span>xchanging a fixed<span class=\"_ _311\"> </span></span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs133\">amount of cash or another financial asse<span class=\"_ _4\"></span>t for a fixed number of its o<span class=\"_ _4\"></span>wn equity instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs134\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s sources of debt funding ar<span class=\"_ _4\"></span>e deposits from retail cus<span class=\"_ _4\"></span>tomers and cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs135\">including collateralise<span class=\"_ _4\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _1\"></span>erm Funding </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs136\">Scheme with additional incentives f<span class=\"_ _4\"></span>or SMEs (<span class=\"_ _0\"></span>TFSME), asset-back<span class=\"_ _1\"></span>ed loan notes issued through </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs137\">the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes, subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes. Cash </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs138\">receive<span class=\"_ _4\"></span>d under the TFSME is recorded in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to credit ins<span class=\"_ _4\"></span>titutions. Financial liabilities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs139\">including the Sterling Perpetual Subor<span class=\"_ _4\"></span>dinated Bonds (PSBs) and Tier 2 instrumen<span class=\"_ _4\"></span>ts where the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs13a\">terms allo<span class=\"_ _4\"></span>w no absolute discretion ov<span class=\"_ _4\"></span>er the payment of inter<span class=\"_ _4\"></span>est. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs13b\">During the year equity financial ins<span class=\"_ _4\"></span>truments comprised own shar<span class=\"_ _4\"></span>es and A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs13c\">securities are designated as equity ins<span class=\"_ _4\"></span>truments and r<span class=\"_ _4\"></span>ecognised at fair value on the date of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs13d\">issuance in equity along with increment<span class=\"_ _4\"></span>al costs directly attribut<span class=\"_ _4\"></span>able to the issuance of equity </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs13e\">instrumen<span class=\"_ _4\"></span>ts. Accor<span class=\"_ _4\"></span>dingly, the coupons paid on A<span class=\"_ _4\"></span>T1 securities are recognised dir<span class=\"_ _4\"></span>ectly in retained </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs13f\">earnings when paid.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsbb ws129 gs140\">iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs141\">The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs142\">principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs143\">asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs144\">The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs145\">the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs146\">renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws7 gs147\">cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs148\">Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs149\">has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls117 ws12a gs14b\">iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs14c\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs14d\">netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs14e\">specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs14f\">of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs150\">derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs151\">Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs152\">Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs153\">receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs154\">must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs155\">right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs156\">Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs157\">advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls51 wsaa gs158\">v<span class=\"_ _4\"></span>.<span class=\"_ _18b\"> </span>Amortised cost me<span class=\"_ _0\"></span>asurement<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs159\">The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _4\"></span>t at which the financial<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs15a\">asset or financial liability is measured at initial r<span class=\"_ _4\"></span>ecognition, less principal payments or receipts<span class=\"_ _4\"></span>,<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs15b\">plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _4\"></span>een the<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs15c\">initial amount recognise<span class=\"_ _4\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _4\"></span>t of<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs15d\">assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs15e\">vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs15f\">Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs160\">orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs161\">in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs162\">When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs163\">in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs164\">asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs165\">on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs166\">quoted mark<span class=\"_ _1\"></span>et prices where available. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs167\">If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs168\">maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs169\">The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs16a\">financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs16b\">adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs16c\">Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs16d\">not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs16e\">and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs16f\">The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs170\">flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs172\">vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs173\">The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. </div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 ls1 ws0 gs174\">Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs175\">The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs176\">impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs177\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs178\">credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs179\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs17a\">initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs17b\">initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs17c\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs17d\">lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs17e\">The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. </div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 lsa3 wsad gs17f\">Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs180\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs181\">risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs182\">tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs183\">The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs184\">The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs185\">payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs186\">For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs187\">discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs188\">recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs189\">the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs18a\">recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs18b\">provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs18c\">The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 ls1 ws0 gs18e\">IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls1 ws0 gs18f\">Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws6f gs190\">The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs191\">The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs192\">default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs193\">and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs194\">based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls1 ws0 gs195\">Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs196\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs197\">being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs198\">At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs199\">date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs19a\">relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs19b\">together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs19c\">external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs19d\">for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs19e\">account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs19f\">A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls1 ws0 gs1a0\">Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs1a1\">The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs1a2\">meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a3\">\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a4\">\u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a5\">forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a6\">A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a7\">the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a8\">internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1a9\">on whether the SICR applies.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 lsa3 wsad gs1ab\">Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ac\">The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ad\">changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ae\">The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1af\">the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b0\">House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b1\">Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b2\">The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b3\">forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b4\">scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b5\">estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b6\">The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b7\">when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b8\">upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1b9\">actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ba\">The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1bb\">feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1bc\">credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls1 ws0 gs1bd\">Period over whi<span class=\"_ _0\"></span>ch ECL is me<span class=\"_ _0\"></span>asured </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1be\">ECL is me<span class=\"_ _4\"></span>asured from the initial recognition of the asse<span class=\"_ _4\"></span>t which is the date at which the loan </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1bf\">is originated or the date a loan is pur<span class=\"_ _4\"></span>chased and at each balance sheet date thereafter<span class=\"_ _1\"></span>. The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c0\">maximum period considered when measuring ECL<span class=\"_ _4\"></span> (either 12 months or lif<span class=\"_ _4\"></span>etime ECL) is the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c1\">maximum contr<span class=\"_ _4\"></span>actual period over which the Gr<span class=\"_ _4\"></span>oup is exposed to the credit risk o<span class=\"_ _4\"></span>f the asset. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c2\">For modelling purposes<span class=\"_ _4\"></span>, the Group considers the contr<span class=\"_ _4\"></span>actual maturity of the loan product and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c3\">then considers the behaviour<span class=\"_ _4\"></span>al trends of the asset.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls1 ws0 gs1c4\">Purchas<span class=\"_ _0\"></span>ed or origi<span class=\"_ _0\"></span>nated credit im<span class=\"_ _0\"></span>paired (PO<span class=\"_ _0\"></span>CI)<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c5\">Acquired lo<span class=\"_ _4\"></span>ans that meet the Group\u2019<span class=\"_ _1\"></span>s definition of de<span class=\"_ _4\"></span>fault (90 days past due or an unlik<span class=\"_ _1\"></span>ely to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c6\">pay position) at acquisition are tre<span class=\"_ _4\"></span>ated as POCI assets. These asset<span class=\"_ _4\"></span>s attract a lifetime ECL<span class=\"_ _4\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c7\">allow<span class=\"_ _4\"></span>ance over the full t<span class=\"_ _4\"></span>erm of the loan, ev<span class=\"_ _4\"></span>en when these loans no longer meet the definition of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1c8\">default pos<span class=\"_ _4\"></span>t-acquisition. The Group does not originate cre<span class=\"_ _4\"></span>dit-impaired loans.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls118 ws12b gs1c9\">Wr<span class=\"_ _4\"></span>ite-<span class=\"_ _0\"></span>off<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ca\">Lo<span class=\"_ _4\"></span>ans are written off against the relate<span class=\"_ _4\"></span>d provision when the underlying security is sold and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1cb\">there is a shortfall amount r<span class=\"_ _4\"></span>emaining. Subsequent recov<span class=\"_ _4\"></span>eries of amounts pre<span class=\"_ _4\"></span>viously written off </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1cc\">are tak<span class=\"_ _1\"></span>en through profit and loss<span class=\"_ _4\"></span>. Accounts that are der<span class=\"_ _4\"></span>ecognised for accounting purposes </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1cd\">will continue to be serviced and corresponding collection procedur<span class=\"_ _4\"></span>es are only discontinued </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ce\">follo<span class=\"_ _4\"></span>wing approval fr<span class=\"_ _4\"></span>om the Group Chief Credit Officer<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls51 wsaa gs1d0\">Intercompany loans<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d1\">Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d2\">an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. </div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 lsa3 wsad gs1d3\">Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d4\">Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d5\">high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d6\">counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. </div><div class=\"t m0 h6a ff13 fs4 fc9 sc0 ls119 ws12c gs1d7\">Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d8\">Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1d9\">agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1da\">retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1db\">share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1dc\">value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs1dd\">o<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Loan<span class=\"_ _0\"></span>s and advance<span class=\"_ _0\"></span>s to custome<span class=\"_ _0\"></span>rs<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1de\">Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s are predominantly mortgage loans and adv<span class=\"_ _4\"></span>ances to<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1df\">cust<span class=\"_ _4\"></span>omers with fixed or determinable paymen<span class=\"_ _4\"></span>ts that are not quoted in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e0\">that the Group does not int<span class=\"_ _4\"></span>end to sell in the near term. They are initially recor<span class=\"_ _4\"></span>ded at fair value<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e1\">plus any directly attributable tr<span class=\"_ _4\"></span>ansaction costs and ar<span class=\"_ _4\"></span>e subsequently measured at amortised<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e2\">cost using the EIR method, less impairmen<span class=\"_ _4\"></span>t losses. Where e<span class=\"_ _4\"></span>xposures are hedged by derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e3\">designated and qualifying as fair v<span class=\"_ _4\"></span>alue hedges, the fair v<span class=\"_ _4\"></span>alue adjustment for the hedge<span class=\"_ _4\"></span>d risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e4\">to the carrying value o<span class=\"_ _4\"></span>f the hedged loans and advances is reported in fair v<span class=\"_ _4\"></span>alue adjustments<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e5\">for hedged asset<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e6\">Lo<span class=\"_ _4\"></span>ans and the related pro<span class=\"_ _4\"></span>vision are written off when there is a shortfall remaining after the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e7\">underlying security is sold. Subsequent reco<span class=\"_ _4\"></span>veries of amount<span class=\"_ _4\"></span>s previously written off are tak<span class=\"_ _1\"></span>en </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e8\">through pro<span class=\"_ _4\"></span>fit or loss.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1e9\">Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s over which the Gr<span class=\"_ _4\"></span>oup transfer<span class=\"_ _4\"></span>s its rights to the collater<span class=\"_ _4\"></span>al </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ea\">thereon to the BoE under the TFSME and IL<span class=\"_ _3\"></span>TR schemes are not derecognised fr<span class=\"_ _4\"></span>om the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1eb\">Consolidated Stat<span class=\"_ _4\"></span>ement of Financial Position, as the Group ret<span class=\"_ _4\"></span>ains substantially all the risk<span class=\"_ _1\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ec\">and re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership<span class=\"_ _4\"></span>, including all cash flows arising from the loans and adv<span class=\"_ _4\"></span>ances and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ed\">exposure t<span class=\"_ _4\"></span>o credit risk. The Group classifies TF<span class=\"_ _4\"></span>SME and IL<span class=\"_ _1\"></span>TR as amor<span class=\"_ _0\"></span>tised cos<span class=\"_ _4\"></span>t under IFRS 9 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ee\">Financial Instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs1ef\">Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s include a small acquired mortgage portfolio where the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs1f0\">contr<span class=\"_ _4\"></span>actual cash flows include payment<span class=\"_ _4\"></span>s that are not SPPI and as such are measured at FVTPL. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f1\">Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s include the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s asset finance lease lending. Finance </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f2\">leases are initially measur<span class=\"_ _4\"></span>ed at an amount equal to the net inv<span class=\"_ _4\"></span>estment in the le<span class=\"_ _4\"></span>ase, using the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f3\">inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e implicit in the finance lease. Direct cos<span class=\"_ _4\"></span>ts are included in the initial measuremen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f4\">of the net inv<span class=\"_ _4\"></span>estment in the le<span class=\"_ _4\"></span>ase and reduce the amount of income recognise<span class=\"_ _4\"></span>d over the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f5\">lease term. Finance income is recognised o<span class=\"_ _4\"></span>ver the lease term, based on a patt<span class=\"_ _4\"></span>ern reflecting a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f6\">constan<span class=\"_ _4\"></span>t periodic rate o<span class=\"_ _4\"></span>f return on the net inves<span class=\"_ _4\"></span>tment in the lease<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa1 wsa8 gs1f8\">p<span class=\"_ _4\"></span>) <span class=\"_ _124\"> </span>Investm<span class=\"_ _0\"></span>ent securiti<span class=\"_ _0\"></span>es<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1f9\">Inv<span class=\"_ _4\"></span>estment securities include securities held for liquidity purposes (UK tr<span class=\"_ _4\"></span>easury bills, UK Gilts </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1fa\">and Residential Mortgage-Back<span class=\"_ _1\"></span>ed Securities (RMBS)). These assets are non-derivativ<span class=\"_ _4\"></span>es that are </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1fb\">classified on an individual basis as amortised cost, FV<span class=\"_ _4\"></span>OCI or FV<span class=\"_ _0\"></span>TPL.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs1fc\">q) <span class=\"_ _16\"> </span>Sale and repurcha<span class=\"_ _4\"></span>se agreements<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1fd\">Financial assets sold subject to r<span class=\"_ _4\"></span>epurchase agreements (r<span class=\"_ _4\"></span>epo) continue to be recognised in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1fe\">the financial st<span class=\"_ _4\"></span>atements if they fail the derecognition crit<span class=\"_ _4\"></span>eria of IFRS 9 described in paragr<span class=\"_ _4\"></span>aph </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs1ff\">n) iii. abov<span class=\"_ _4\"></span>e. The financial assets that are r<span class=\"_ _4\"></span>etained in the financial stat<span class=\"_ _4\"></span>ements are re<span class=\"_ _4\"></span>flected </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs200\">as loans and advances to cus<span class=\"_ _4\"></span>tomers or in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities and the counterparty liability is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs201\">included in amounts o<span class=\"_ _4\"></span>wed t<span class=\"_ _4\"></span>o credit institutions or other cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. Financial assets purchased </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs202\">under agreement<span class=\"_ _4\"></span>s to resell at a predetermined price wher<span class=\"_ _4\"></span>e the transaction is financing in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs203\">nature (re<span class=\"_ _4\"></span>verse r<span class=\"_ _4\"></span>epo) are accounte<span class=\"_ _4\"></span>d for as loans and advances to credit ins<span class=\"_ _4\"></span>titutions. The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs204\">difference between the sale and r<span class=\"_ _4\"></span>epurchase price is treated as int<span class=\"_ _4\"></span>erest and accrued o<span class=\"_ _4\"></span>ver the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs205\">life of the agr<span class=\"_ _4\"></span>eement using the EIR method.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs206\">r) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>erivative f<span class=\"_ _0\"></span>inancial ins<span class=\"_ _0\"></span>truments </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs207\">The Group uses derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s (interes<span class=\"_ _4\"></span>t rate sw<span class=\"_ _4\"></span>aps) to manage its exposur<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs208\">to inter<span class=\"_ _4\"></span>est r<span class=\"_ _4\"></span>ate risk. The Group does not hold or issue derivativ<span class=\"_ _4\"></span>e financial instruments f<span class=\"_ _4\"></span>or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs209\">proprietary tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs20a\">The Group also uses derivativ<span class=\"_ _4\"></span>es to hedge the inter<span class=\"_ _4\"></span>est rate risk inher<span class=\"_ _4\"></span>ent in irrev<span class=\"_ _4\"></span>ocable offers </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs20b\">to lend. This exposes the Gr<span class=\"_ _4\"></span>oup to movemen<span class=\"_ _4\"></span>ts in the fair value of deriv<span class=\"_ _4\"></span>atives until the loan is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs20c\">dra<span class=\"_ _4\"></span>wn. The changes to fair value are reco<span class=\"_ _4\"></span>gnised in profit or loss in the period. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsee wsab gs20d\">s<span class=\"_ _4\"></span>) <span class=\"_ _246\"> </span>Hedge accountin<span class=\"_ _4\"></span>g<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs20e\">The Group has chosen to con<span class=\"_ _4\"></span>tinue to apply the hedge accounting requiremen<span class=\"_ _4\"></span>ts of IAS 39 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws7 gs20f\">inst<span class=\"_ _4\"></span>ead of the requiremen<span class=\"_ _4\"></span>ts in Chapter 6 of IFRS 9<span class=\"_ _3\"></span>. The Group uses fair value he<span class=\"_ _4\"></span>dge accounting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs210\">for a portfolio hedge of in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs211\">The hedging str<span class=\"_ _4\"></span>ategy of the Gr<span class=\"_ _4\"></span>oup is divided into portfolio hedges, wher<span class=\"_ _4\"></span>e the hedged item is a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs212\">homogenous portfolio of assets (mortgage lending) or liabilities (savings produc<span class=\"_ _4\"></span>ts), and micro </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs213\">hedges<span class=\"_ _4\"></span>, where the hedged item is a dis<span class=\"_ _4\"></span>tinctly identifiable asset or liability (debt issuance). The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs214\">Group applies fair v<span class=\"_ _4\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs215\">i. <span class=\"_ _27\"> </span>P<span class=\"_ _0\"></span>ortf<span class=\"_ _0\"></span>olio hedge<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs216\">Portfolio hedge accounting allo<span class=\"_ _4\"></span>ws for hedge effectiveness tes<span class=\"_ _4\"></span>ting and accounting ov<span class=\"_ _4\"></span>er an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs217\">entire portfolio o<span class=\"_ _4\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _4\"></span>air value portfolio hedge </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs218\">accounting to its fix<span class=\"_ _4\"></span>ed rate portfolio of mortgages and saving account<span class=\"_ _4\"></span>s. The hedged portfolio </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs219\">is analysed into r<span class=\"_ _4\"></span>epricing time periods based on expected r<span class=\"_ _4\"></span>epricing dates, utilising the Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs21a\">Assets and Liabilities Committee (AL<span class=\"_ _1\"></span>CO) approv<span class=\"_ _4\"></span>ed prepayment curve<span class=\"_ _4\"></span>. Interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>waps are </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs21b\">designated agains<span class=\"_ _4\"></span>t the repricing time periods to es<span class=\"_ _4\"></span>tablish the hedge relationship.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsee wsab gs21d\">ii. <span class=\"_ _10\"> </span>Micro hedges<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs21e\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s micro hedging s<span class=\"_ _4\"></span>trategy en<span class=\"_ _4\"></span>tails hedge accounting on an individual instrumen<span class=\"_ _4\"></span>t-<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs21f\">by-instrumen<span class=\"_ _4\"></span>t basis, which in some ins<span class=\"_ _4\"></span>tances may be implemented through partial term fair </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws55 gs220\">value hedging where the ins<span class=\"_ _4\"></span>trument may be ex<span class=\"_ _4\"></span>ercised early. The Group applies fair v<span class=\"_ _4\"></span>alue micro </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs221\">hedge accounting to manage its e<span class=\"_ _4\"></span>xposure to the int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk arising from some of its fix<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs222\">rate deb<span class=\"_ _4\"></span>t issuances. Inter<span class=\"_ _4\"></span>est rate s<span class=\"_ _4\"></span>waps are assigne<span class=\"_ _4\"></span>d to specific issuances of fixed r<span class=\"_ _4\"></span>ate notes </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs223\">with terms that closely align with the hedged item.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsa3 wsad gs224\">iii.<span class=\"_ _4\"></span> <span class=\"_ _18\"> </span>Hedge ef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs225\">Hedge effectiveness is calculat<span class=\"_ _4\"></span>ed as a percentage of the f<span class=\"_ _4\"></span>air value movemen<span class=\"_ _4\"></span>t of the interes<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs226\">rate s<span class=\"_ _4\"></span>wap agains<span class=\"_ _4\"></span>t the fair value mov<span class=\"_ _4\"></span>ement of the hedged item o<span class=\"_ _4\"></span>ver the period tes<span class=\"_ _4\"></span>ted. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs227\">The Group considers the f<span class=\"_ _4\"></span>ollowing as k<span class=\"_ _4\"></span>ey sources of hedge ine<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs228\">\u2022 <span class=\"_ _26\"> </span>the mismatch in maturity date of the sw<span class=\"_ _4\"></span>ap and hedged item, as sw<span class=\"_ _4\"></span>aps with a given </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs229\">maturity date cov<span class=\"_ _4\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _4\"></span>oughout the month;<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs22a\">\u2022 <span class=\"_ _26\"> </span>the actual behaviour of the hedged item differing from expectations<span class=\"_ _4\"></span>, such as early </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs22b\">repayment<span class=\"_ _4\"></span>s or withdraw<span class=\"_ _4\"></span>als and arrears;<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs22c\">\u2022 <span class=\"_ _26\"> </span>minimal movements in the yield curve le<span class=\"_ _4\"></span>ading to inef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ectiveness where hedge relationships </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs22d\">are sensitiv<span class=\"_ _4\"></span>e to small value changes; and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs22e\">\u2022 <span class=\"_ _26\"> </span>the mismatch in the swap in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate and rate used t<span class=\"_ _4\"></span>o value the hedged item where the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs22f\">sw<span class=\"_ _4\"></span>ap rate is higher than the contr<span class=\"_ _4\"></span>actual rate o<span class=\"_ _4\"></span>f the hedged item. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs230\">Where there is an e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e hedge relationship for fair v<span class=\"_ _4\"></span>alue hedges, the Group r<span class=\"_ _4\"></span>ecognises the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs231\">change in fair value o<span class=\"_ _4\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _4\"></span>e movemen<span class=\"_ _4\"></span>t in their </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs232\">value being sho<span class=\"_ _4\"></span>wn separately in the Consolidated St<span class=\"_ _4\"></span>atement of Financial Position as fair v<span class=\"_ _4\"></span>alue </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs233\">adjustmen<span class=\"_ _4\"></span>ts on hedged assets and liabilities<span class=\"_ _4\"></span>. The fair value changes of both the derivativ<span class=\"_ _4\"></span>e and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs234\">the hedge subst<span class=\"_ _4\"></span>antially offset each other to reduce pr<span class=\"_ _4\"></span>ofit volatility.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs235\">The Group discontinues hedge accoun<span class=\"_ _4\"></span>ting when the derivative ceases through e<span class=\"_ _4\"></span>xpiry, when </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs236\">the derivative is c<span class=\"_ _4\"></span>ancelled or the underlying hedged item matures<span class=\"_ _4\"></span>, is sold or is repaid.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs237\">If a derivative no longer meet<span class=\"_ _4\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _4\"></span>t still </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs238\">effective<span class=\"_ _4\"></span>, including LIBOR-link<span class=\"_ _4\"></span>ed derivatives cancelled as a result o<span class=\"_ _4\"></span>f IBOR reforms<span class=\"_ _4\"></span>, the fair </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs239\">value adjus<span class=\"_ _4\"></span>tment relating to the hedged asset<span class=\"_ _4\"></span>s or liabilities within the hedge relationship </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs23a\">prior to the derivativ<span class=\"_ _4\"></span>e becoming inef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e or being cancelled remains on the Consolidated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs23b\">Statemen<span class=\"_ _4\"></span>t of Financial Position and is amortised over the r<span class=\"_ _4\"></span>emaining life of the hedged assets </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs23c\">or liabilities. The r<span class=\"_ _4\"></span>ate of amortisation over the r<span class=\"_ _4\"></span>emaining life is in line with expected income or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs23d\">cost gener<span class=\"_ _4\"></span>ated from the hedged asset<span class=\"_ _4\"></span>s or liabilities. Each reporting period, the expect<span class=\"_ _4\"></span>ation is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs23e\">compared to actual with an acceler<span class=\"_ _4\"></span>ated run-off applied where the two div<span class=\"_ _4\"></span>erge by more than </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs23f\">set paramet<span class=\"_ _4\"></span>ers.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs241\">t) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>ebit and cre<span class=\"_ _0\"></span>dit valuation adjus<span class=\"_ _0\"></span>tments<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs242\">The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A are included in the fair v<span class=\"_ _4\"></span>alue of derivative financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The DV<span class=\"_ _1\"></span>A is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs243\">based on the expecte<span class=\"_ _4\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s two banking </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs244\">entities def<span class=\"_ _4\"></span>aulting. The CV<span class=\"_ _1\"></span>A reflects the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s risk of the counterparty\u2019<span class=\"_ _1\"></span>s default. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs245\">The methodology is based on a s<span class=\"_ _4\"></span>tandard calculation, taking in<span class=\"_ _4\"></span>to account the credit r<span class=\"_ _4\"></span>ating of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs246\">sw<span class=\"_ _4\"></span>ap counterparty, time to maturity, the fair value of the s<span class=\"_ _4\"></span>wap and any collater<span class=\"_ _4\"></span>al arrangements<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs247\">u<span class=\"_ _4\"></span>) <span class=\"_ _124\"> </span>P<span class=\"_ _0\"></span>rovisions and c<span class=\"_ _0\"></span>ontingent liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs248\">A provision is r<span class=\"_ _4\"></span>ecognised when there is a presen<span class=\"_ _4\"></span>t obligation as a result of a past e<span class=\"_ _4\"></span>vent, it is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs249\">probable that the obligation will be settled and the amoun<span class=\"_ _4\"></span>t can be estimated r<span class=\"_ _4\"></span>eliably. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs24a\">Provisions include ECLs on the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s undrawn lo<span class=\"_ _4\"></span>an commitments. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs24b\">Contingent liabilities ar<span class=\"_ _4\"></span>e possible obligations arising from past e<span class=\"_ _4\"></span>vents<span class=\"_ _4\"></span>, whose exist<span class=\"_ _4\"></span>ence will </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs24c\">be confirmed only by uncertain future ev<span class=\"_ _4\"></span>ents<span class=\"_ _4\"></span>, or present obligations arising from pas<span class=\"_ _4\"></span>t even<span class=\"_ _4\"></span>ts </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs24d\">which are either not probable or the amoun<span class=\"_ _4\"></span>t of the obligation cannot be reliably measur<span class=\"_ _4\"></span>ed. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs24e\">Contingent liabilities ar<span class=\"_ _4\"></span>e not recognised but disclosed unless they are not material or their </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs24f\">probability is remot<span class=\"_ _4\"></span>e. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs250\">v)<span class=\"_ _4\"></span> <span class=\"_ _11\"> </span>Employee benefits \u2013<span class=\"_ _4\"></span> defined contribu<span class=\"_ _4\"></span>tion scheme<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs251\">The Group contribut<span class=\"_ _4\"></span>es to defined contribution personal pension plans or de<span class=\"_ _4\"></span>fined contribution </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs252\">retiremen<span class=\"_ _4\"></span>t benefit schemes for all qualifying employees who subscribe to the terms and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs253\">conditions of the schemes<span class=\"_ _1\"></span>\u2019 policies. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs254\">Obligations for contributions to de<span class=\"_ _4\"></span>fined contribution pension arrangemen<span class=\"_ _4\"></span>ts are recognised as </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs255\">an expense in pro<span class=\"_ _4\"></span>fit or loss as incurred.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs256\">w<span class=\"_ _4\"></span>) <span class=\"_ _17\"> </span>Share-based payments<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs257\">Equity-settled share-based paymen<span class=\"_ _4\"></span>ts to employees pro<span class=\"_ _4\"></span>viding ser<span class=\"_ _0\"></span>vices are measur<span class=\"_ _4\"></span>ed at the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs258\">fair value o<span class=\"_ _4\"></span>f the equity instruments at the gr<span class=\"_ _4\"></span>ant date in accordance with IFR<span class=\"_ _4\"></span>S 2. The fair value </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs259\">ex<span class=\"_ _4\"></span>cludes the ef<span class=\"_ _0\"></span>fect o<span class=\"_ _4\"></span>f non-marke<span class=\"_ _4\"></span>t-based vesting conditions<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs25a\">The cost o<span class=\"_ _4\"></span>f the awar<span class=\"_ _4\"></span>ds is charged on a str<span class=\"_ _4\"></span>aight-line basis to pro<span class=\"_ _4\"></span>fit or loss (with a corresponding </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs25b\">increase in the share-base<span class=\"_ _4\"></span>d payment reserve within equity) ov<span class=\"_ _4\"></span>er the ves<span class=\"_ _4\"></span>ting period in which the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs25c\">employees become unconditionally entitled to the aw<span class=\"_ _4\"></span>ards<span class=\"_ _4\"></span>. The increase within the share-based </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs25d\">payment reserve is r<span class=\"_ _4\"></span>eclassified to retained earnings upon e<span class=\"_ _4\"></span>xercise<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs25f\">The amount recognise<span class=\"_ _4\"></span>d as an expense for non-mark<span class=\"_ _4\"></span>et conditions and related service </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs260\">conditions is adjuste<span class=\"_ _4\"></span>d each reporting period to reflect the actual number of a<span class=\"_ _4\"></span>wards e<span class=\"_ _4\"></span>xpected </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs261\">to be met. The amount r<span class=\"_ _4\"></span>ecognised as an expense for aw<span class=\"_ _4\"></span>ards subject to mark<span class=\"_ _1\"></span>et conditions is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs262\">based on the proportion that is expected t<span class=\"_ _4\"></span>o meet the condition as assessed at the grant date<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs263\">No adjustmen<span class=\"_ _4\"></span>t is made to the fair value of each a<span class=\"_ _4\"></span>ward calculat<span class=\"_ _4\"></span>ed at grant date<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs264\">Share-based payment<span class=\"_ _4\"></span>s that are not subject to further ves<span class=\"_ _4\"></span>ting conditions (i.e. the Deferr<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs265\">Share Bonus Plan (DSBP) f<span class=\"_ _4\"></span>or senior managers) are expense<span class=\"_ _4\"></span>d in the year ser<span class=\"_ _0\"></span>vices ar<span class=\"_ _4\"></span>e received </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs266\">with a corresponding increase in e<span class=\"_ _4\"></span>quity.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs267\">Where the allo<span class=\"_ _4\"></span>wable cost o<span class=\"_ _4\"></span>f share-based options or aw<span class=\"_ _4\"></span>ards for tax purposes is gr<span class=\"_ _4\"></span>eater than </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs268\">the cost det<span class=\"_ _4\"></span>ermined in accordance with IFRS 2, the tax effect of the e<span class=\"_ _4\"></span>xcess is tak<span class=\"_ _4\"></span>en to the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs269\">share-based payment r<span class=\"_ _4\"></span>eser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e within equity. The tax effect is reclassified to r<span class=\"_ _4\"></span>etained earnings </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs26a\">upon ves<span class=\"_ _4\"></span>ting. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs26b\">Employer\u2019<span class=\"_ _1\"></span>s national insurance is charge<span class=\"_ _4\"></span>d to profit or loss at the share price at the reporting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs26c\">date on the same service or vesting sche<span class=\"_ _4\"></span>dules as the underlying options and awar<span class=\"_ _4\"></span>ds. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs26d\">Own shares are r<span class=\"_ _4\"></span>ecorded at cost and deduct<span class=\"_ _4\"></span>ed from equity and represen<span class=\"_ _4\"></span>t shares of OSBG </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs26e\">that are held by the EB<span class=\"_ _4\"></span>T<span class=\"_ _1\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls12 ws12d gs26f\">x) Le<span class=\"_ _0\"></span>ases<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs270\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s leases are pre<span class=\"_ _4\"></span>dominantly for offices and Kent R<span class=\"_ _4\"></span>eliance branches where the Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs271\">is a lessee. A<span class=\"_ _4\"></span>t lease commencement date, the Gr<span class=\"_ _4\"></span>oup recognises the right-of-use asset and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs272\">lease liability on the st<span class=\"_ _4\"></span>atement of financial position, ex<span class=\"_ _4\"></span>cept for leases of lo<span class=\"_ _4\"></span>w-<span class=\"_ _4\"></span>value assets and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs273\">short-term leases of 12 month or less ar<span class=\"_ _4\"></span>e recognised directly in profit or loss on a s<span class=\"_ _4\"></span>traigh<span class=\"_ _4\"></span>t-line </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs274\">basis ov<span class=\"_ _4\"></span>er the lease term.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs275\">Le<span class=\"_ _4\"></span>ase liability payments are recognised within financing activities in the Consolidat<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs276\">Statemen<span class=\"_ _4\"></span>t of Cash Flows<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs277\">The Group assesses the lik<span class=\"_ _1\"></span>ely impact of early terminations in recognising the right-o<span class=\"_ _4\"></span>f-use asset </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs278\">and lease liability where an option to t<span class=\"_ _4\"></span>erminate early exis<span class=\"_ _4\"></span>ts. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs279\">For modifications that increase the length o<span class=\"_ _4\"></span>f a lease; the modified lease term is determined </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs27a\">and the lease liability remeasur<span class=\"_ _4\"></span>ed by discounting the revise<span class=\"_ _4\"></span>d lease payments using a re<span class=\"_ _4\"></span>vised </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs27b\">discount r<span class=\"_ _4\"></span>ate, at the effective date o<span class=\"_ _4\"></span>f the lease modification; a corresponding adjus<span class=\"_ _4\"></span>tment is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs27c\">made to the right-o<span class=\"_ _4\"></span>f-use asset. Where modifications decrease the length of a le<span class=\"_ _4\"></span>ase, the lease </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs27d\">liability and right-of-use asset ar<span class=\"_ _4\"></span>e reduced in proportion to the reduction in the le<span class=\"_ _4\"></span>ase term, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs27e\">with any gain or loss recognised in pr<span class=\"_ _4\"></span>ofit or loss.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs280\">y) <span class=\"_ _182\"> </span>Ad<span class=\"_ _0\"></span>option of new stan<span class=\"_ _0\"></span>dards<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs281\">Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued a<span class=\"_ _0\"></span>nd adopted f<span class=\"_ _0\"></span>or the firs<span class=\"_ _0\"></span>t time in the </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs282\">year e<span class=\"_ _0\"></span>nded 31 De<span class=\"_ _0\"></span>cember 2023<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs283\">The 2023 financial s<span class=\"_ _4\"></span>tatements incorpor<span class=\"_ _4\"></span>ate the guidance set out in </div><div class=\"t m4 h6b ff4 fs28 fc5 sc0 ls11a ws0 gs284\">Disclosure of Accoun<span class=\"_ _4\"></span>ting </div><div class=\"t m4 h6b ff4 fs28 fc5 sc0 ls11a ws0 gs285\">Policies (Amendments to IA<span class=\"_ _4\"></span>S 1)</div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs286\"> which requires en<span class=\"_ _4\"></span>tities to disclose \u2018<span class=\"_ _4\"></span>material\u2019 rather than </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs287\">\u2018<span class=\"_ _1\"></span>significant\u2019 accoun<span class=\"_ _4\"></span>ting policies. Accordingly, Not<span class=\"_ _4\"></span>e 1 has been amended to remov<span class=\"_ _4\"></span>e general IFRS </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs288\">guidance so that disclosures focus on en<span class=\"_ _4\"></span>tity-specific acc<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>ting, areas of significant judgemen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs289\">or assumptions and material tr<span class=\"_ _4\"></span>ansactions where the accounting require<span class=\"_ _4\"></span>d is<span class=\"_ gs27\"> </span>complex.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs28a\">The Group has applied the tempor<span class=\"_ _4\"></span>ary exception issued by the In<span class=\"_ _4\"></span>ternational Accounting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs28b\">Standar<span class=\"_ _4\"></span>ds Board (IASB) in May 2<span class=\"_ _4\"></span>023 from the accounting requir<span class=\"_ _4\"></span>ements for def<span class=\"_ _4\"></span>erred taxes in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs28c\">IAS 12 \u2018Income T<span class=\"_ _1\"></span>axes<span class=\"_ _1\"></span>\u2019. Accor<span class=\"_ _4\"></span>dingly, the Group neither recognises nor discloses information </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs28d\">about deferr<span class=\"_ _4\"></span>ed tax assets and liabilities related t<span class=\"_ _4\"></span>o Pillar 2 income taxes. Ther<span class=\"_ _4\"></span>e were a number </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs28e\">of other minor amendment<span class=\"_ _4\"></span>s to financial reporting standar<span class=\"_ _4\"></span>ds that are effective for the curren<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs28f\">year<span class=\"_ _1\"></span>. There has been no material impact on the financial s<span class=\"_ _4\"></span>tatements of the Gr<span class=\"_ _4\"></span>oup from the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs290\">adoption of these financial reporting s<span class=\"_ _4\"></span>tandard amendments and in<span class=\"_ _4\"></span>terpretations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs291\">Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued b<span class=\"_ _0\"></span>ut not yet ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve which are </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs292\">applic<span class=\"_ _0\"></span>able to the Gro<span class=\"_ _0\"></span>up </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs293\">Certain amendments to accounting s<span class=\"_ _4\"></span>tandards and in<span class=\"_ _4\"></span>terpretations that w<span class=\"_ _4\"></span>ere not effective </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs294\">on 31 December 2023 have no<span class=\"_ _4\"></span>t been early adopted by the Group. The adoption o<span class=\"_ _4\"></span>f these </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs295\">amendments is not e<span class=\"_ _4\"></span>xpected to have a mat<span class=\"_ _4\"></span>erial impact on the financial statemen<span class=\"_ _4\"></span>ts of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs296\">Group in future periods<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-401": {
   "value": "a<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Basis of pr<span class=\"_ _0\"></span>eparation<span class=\"_ _311\"> </span>The financial st<span class=\"_ _4\"></span>atements have been pr<span class=\"_ _4\"></span>epared in accordance with Int<span class=\"_ _4\"></span>ernational Financial<span class=\"_ _311\"> </span>Reporting Standar<span class=\"_ _4\"></span>ds (IFRS) as adopted by the United Kingdom (UK) and interpret<span class=\"_ _4\"></span>ations issued<span class=\"_ _311\"> </span>by the IFRS Int<span class=\"_ _4\"></span>erpretations Committee (IFRS IC).<span class=\"_ _311\"> </span>The financial st<span class=\"_ _4\"></span>atements have been pr<span class=\"_ _4\"></span>epared on a historic<span class=\"_ _4\"></span>al cost basis, as mo<span class=\"_ _4\"></span>dified by the rev<span class=\"_ _4\"></span>aluation of inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _4\"></span>OCI and derivative contr<span class=\"_ _4\"></span>acts and other financial assets held at fair v<span class=\"_ _4\"></span>alue through profit or loss (FVTPL) (see note 1 n) vi.<span class=\"_ _1\"></span>).<span class=\"_ _311\"> </span>The financial st<span class=\"_ _4\"></span>atements are pr<span class=\"_ _4\"></span>esented in pounds st<span class=\"_ _4\"></span>erling. All amounts in the financial st<span class=\"_ _4\"></span>atements have been r<span class=\"_ _4\"></span>ounded to the neares<span class=\"_ _4\"></span>t \u00a30.<span class=\"_ _1\"></span>1m (\u00a3m). Foreign operations are include<span class=\"_ _4\"></span>d in accordance with the policies set out in this note<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "The financial st<span class=\"_ _4\"></span>atements have been pr<span class=\"_ _4\"></span>epared in accordance with Int<span class=\"_ _4\"></span>ernational Financial<span class=\"_ _311\"> </span>Reporting Standar<span class=\"_ _4\"></span>ds (IFRS) as adopted by the United Kingdom (UK) and interpret<span class=\"_ _4\"></span>ations issued<span class=\"_ _311\"> </span>by the IFRS Int<span class=\"_ _4\"></span>erpretations Committee (IFRS IC).<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-12": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-496": {
   "value": "The financial st<span class=\"_ _4\"></span>atements are pr<span class=\"_ _4\"></span>esented in pounds st<span class=\"_ _4\"></span>erling. All amounts in the financial st<span class=\"_ _4\"></span>atements have been r<span class=\"_ _4\"></span>ounded to the neares<span class=\"_ _4\"></span>t \u00a30.<span class=\"_ _1\"></span>1m (\u00a3m). Foreign operations are include<span class=\"_ _4\"></span>d in accordance with the policies set out in this note<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "The financial st<span class=\"_ _4\"></span>atements are pr<span class=\"_ _4\"></span>esented in pounds st<span class=\"_ _4\"></span>erling. All amounts in the financial st<span class=\"_ _4\"></span>atements have been r<span class=\"_ _4\"></span>ounded to the neares<span class=\"_ _4\"></span>t \u00a30.<span class=\"_ _1\"></span>1m (\u00a3m).",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-402": {
   "value": "b<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Going co<span class=\"_ _0\"></span>ncern<span class=\"_ _311\"> </span>The Board undertak<span class=\"_ _1\"></span>es regular rigorous assessments o<span class=\"_ _4\"></span>f whether the Group remains a going<span class=\"_ _311\"> </span>concern considering current and poten<span class=\"_ _4\"></span>tial future economic conditions and all available<span class=\"_ _311\"> </span>information about future risk<span class=\"_ _1\"></span>s and uncer<span class=\"_ _0\"></span>tain<span class=\"_ _4\"></span>ties.<span class=\"_ _311\"> </span>In assessing whether the going concern basis is appropriate<span class=\"_ _4\"></span>, projections for the Group hav<span class=\"_ _4\"></span>e been prepared, co<span class=\"_ _4\"></span>vering its future performance<span class=\"_ _4\"></span>, capital, and liquidity lev<span class=\"_ _4\"></span>els for a period in ex<span class=\"_ _4\"></span>cess of 12 months from the date of appr<span class=\"_ _4\"></span>oval of these Financial S<span class=\"_ _4\"></span>tatements<span class=\"_ _4\"></span>. These forecas<span class=\"_ _4\"></span>ts have been subject to sensitivity t<span class=\"_ _4\"></span>ests utilising a r<span class=\"_ _4\"></span>ange of stress scenarios<span class=\"_ _4\"></span>, which have been compared to the lat<span class=\"_ _4\"></span>est economic scenarios provided by the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s external economic advisors<span class=\"_ _4\"></span>, as well as re<span class=\"_ _4\"></span>verse s<span class=\"_ _4\"></span>tress tes<span class=\"_ _4\"></span>ts. The assessments include the f<span class=\"_ _4\"></span>ollowing: \u2022<span class=\"_ _13\"> </span>Financial and capital for<span class=\"_ _4\"></span>ecasts w<span class=\"_ _4\"></span>ere prepare<span class=\"_ _4\"></span>d utilising the latest economic forec<span class=\"_ _4\"></span>asts<span class=\"_ _311\"> </span>provide<span class=\"_ _4\"></span>d by the Group\u2019<span class=\"_ _1\"></span>s external economic adviser<span class=\"_ _4\"></span>s. Re<span class=\"_ _4\"></span>verse s<span class=\"_ _4\"></span>tress tes<span class=\"_ _4\"></span>ts were run t<span class=\"_ _4\"></span>o identify<span class=\"_ _311\"> </span>combinations of adver<span class=\"_ _4\"></span>se movemen<span class=\"_ _4\"></span>ts in house prices and unemployment lev<span class=\"_ _4\"></span>els which would<span class=\"_ _311\"> </span>result in the Group br<span class=\"_ _4\"></span>eaching its minimum regulatory and to<span class=\"_ _4\"></span>tal loss absorbing capital<span class=\"_ _311\"> </span>requiremen<span class=\"_ _4\"></span>ts. The r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>se stress tes<span class=\"_ _4\"></span>ting also considered what macroeconomic scenarios<span class=\"_ _311\"> </span>would be r<span class=\"_ _4\"></span>equired for the Group t<span class=\"_ _4\"></span>o breach its interim 18% MREL<span class=\"_ _4\"></span> requiremen<span class=\"_ _4\"></span>t in July 2024<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Director<span class=\"_ _4\"></span>s assessed the lik<span class=\"_ _4\"></span>elihood of those rev<span class=\"_ _4\"></span>erse str<span class=\"_ _4\"></span>ess scenarios occurring within the<span class=\"_ _311\"> </span>next 12 months and conclude<span class=\"_ _4\"></span>d that the likelihood is r<span class=\"_ _4\"></span>emote.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>The lates<span class=\"_ _4\"></span>t liquidity and contingent liquidity positions and forec<span class=\"_ _4\"></span>asts w<span class=\"_ _4\"></span>ere assessed against<span class=\"_ _311\"> </span>the Internal Liquidity Ade<span class=\"_ _4\"></span>quacy Assessment Process (ILAAP) str<span class=\"_ _4\"></span>ess scenarios.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>The Group continues t<span class=\"_ _4\"></span>o assess the resilience of its business oper<span class=\"_ _4\"></span>ating model and<span class=\"_ _311\"> </span>supporting infras<span class=\"_ _4\"></span>tructure in the context o<span class=\"_ _4\"></span>f the emerging economic, business and re<span class=\"_ _4\"></span>gulatory<span class=\"_ _311\"> </span>environmen<span class=\"_ _4\"></span>t. The k<span class=\"_ _4\"></span>ey areas of focus continue t<span class=\"_ _4\"></span>o be the provision of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s Impor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ant<span class=\"_ _311\"> </span>Business Services, minimising the impact of any service disruptions on the firm<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s customers<span class=\"_ _311\"> </span>or the wider financial services industry. The Group recognises the need t<span class=\"_ _4\"></span>o continually inves<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span>in the resilience of its services<span class=\"_ _4\"></span>, with specific focus in 2023 on ensuring that the third parties<span class=\"_ _311\"> </span>on which it depends have the appr<span class=\"_ _4\"></span>opriate levels o<span class=\"_ _4\"></span>f resilience and in fur<span class=\"_ _0\"></span>ther aut<span class=\"_ _4\"></span>omating<span class=\"_ _311\"> </span>those processes that are sensitiv<span class=\"_ _4\"></span>e to increases in volume<span class=\"_ _4\"></span>. The Group produced it<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s 2023<span class=\"_ _311\"> </span>self-assessment report, which confirmed compliance with regulat<span class=\"_ _4\"></span>ory expectations<span class=\"_ _4\"></span>, and<span class=\"_ _311\"> </span>that there w<span class=\"_ _4\"></span>ere no items identified that could thre<span class=\"_ _4\"></span>aten the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s viability over the going<span class=\"_ _311\"> </span>concern assessment time horiz<span class=\"_ _4\"></span>on.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s financial projections demons<span class=\"_ _4\"></span>trate that the Group has sufficient capital and<span class=\"_ _311\"> </span> liquidity to continue to meet it<span class=\"_ _4\"></span>s regulatory capital r<span class=\"_ _4\"></span>equirements as set out by the Prudential<span class=\"_ _311\"> </span> Regulation Authority (PR<span class=\"_ _4\"></span>A).<span class=\"_ _311\"> </span>The Board has ther<span class=\"_ _4\"></span>efore concluded that the Group has sufficient financial resour<span class=\"_ _4\"></span>ces and<span class=\"_ _311\"> </span> expected oper<span class=\"_ _4\"></span>ational resilience for a period in e<span class=\"_ _4\"></span>xcess of 12 months and as a result, it is<span class=\"_ _311\"> </span> appropriate to pr<span class=\"_ _4\"></span>epare these financial st<span class=\"_ _4\"></span>atements on a going concern basis.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-403": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs5e\">c<span class=\"_ _4\"></span>)<span class=\"_ _27\"> </span>B<span class=\"_ _0\"></span>asis of conso<span class=\"_ _0\"></span>lidation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f\">The Group accounts include the r<span class=\"_ _4\"></span>esults of the Company and all its subsidiary undertakings.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs60\">Subsidiaries are those entities<span class=\"_ _4\"></span>, including structur<span class=\"_ _4\"></span>ed entities, o<span class=\"_ _4\"></span>ver which the Group has contr<span class=\"_ _4\"></span>ol.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs61\">The Group contr<span class=\"_ _4\"></span>ols an entity when it is exposed, or has right<span class=\"_ _4\"></span>s, to variable r<span class=\"_ _4\"></span>eturns from its<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs62\">inv<span class=\"_ _4\"></span>olvement with the entity and has the ability t<span class=\"_ _4\"></span>o af<span class=\"_ _0\"></span>fect those re<span class=\"_ _4\"></span>turns through its pow<span class=\"_ _4\"></span>er over<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63\">the inv<span class=\"_ _4\"></span>estee.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs64\">Judgement is applied in assessing the rele<span class=\"_ _4\"></span>vant fact<span class=\"_ _4\"></span>ors and conditions in totality when<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs65\">determining whether the Group con<span class=\"_ _4\"></span>trols an entity. Specifically, judgement is applied in<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66\">assessing whether the Group has subs<span class=\"_ _4\"></span>tantive decision-making righ<span class=\"_ _4\"></span>ts over the r<span class=\"_ _4\"></span>elevant<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67\">activities and whether it is ex<span class=\"_ _4\"></span>ercising pow<span class=\"_ _4\"></span>er as a principal or an agent.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs68\">The Group is not deemed to con<span class=\"_ _4\"></span>trol an entity when it ex<span class=\"_ _4\"></span>ercises pow<span class=\"_ _4\"></span>er over an en<span class=\"_ _4\"></span>tity in an<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs69\">agency capacity. In determining whether the Group is ac<span class=\"_ _4\"></span>ting as an agent, the Directors<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6a\">consider the ov<span class=\"_ _4\"></span>erall relationship betw<span class=\"_ _4\"></span>een the Group, the inv<span class=\"_ _4\"></span>estee and other parties to the<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b\">arrangemen<span class=\"_ _4\"></span>t with respect to the follo<span class=\"_ _4\"></span>wing factors: (i) the scope of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s decision-making<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c\">pow<span class=\"_ _4\"></span>er; (ii) the rights held by other parties; (iii) the remuner<span class=\"_ _4\"></span>ation to which the Group is entitled;<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6d\">and (iv) the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s exposure to variability o<span class=\"_ _4\"></span>f returns. The det<span class=\"_ _4\"></span>ermination of control is based on<span class=\"_ _311\"> </span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e\">the current f<span class=\"_ _4\"></span>acts and circumst<span class=\"_ _4\"></span>ances and is continuously assessed. </div>Where the Group does not r<span class=\"_ _4\"></span>etain a direct owner<span class=\"_ _4\"></span>ship interes<span class=\"_ _4\"></span>t in a securitisation entity, but the Director<span class=\"_ _4\"></span>s have determined that the Gr<span class=\"_ _4\"></span>oup controls those entities<span class=\"_ _4\"></span>, they are treated as subsidiaries and are consolidated. Con<span class=\"_ _4\"></span>trol is determined to exis<span class=\"_ _4\"></span>t if the Group has the po<span class=\"_ _4\"></span>wer to direct the activities of each en<span class=\"_ _4\"></span>tity (for example<span class=\"_ _4\"></span>, managing the performance of the underlying mortgage assets and raising debt on those mortgage assets which is used t<span class=\"_ _4\"></span>o fund the Group) and, in addition to this<span class=\"_ _4\"></span>, the Group is exposed to a v<span class=\"_ _4\"></span>ariable return (for ex<span class=\"_ _4\"></span>ample, retaining the residual risk on the mortgage assets). Securitisation s<span class=\"_ _4\"></span>tructures that do not meet these criteria are not tre<span class=\"_ _4\"></span>ated as subsidiaries and are ex<span class=\"_ _4\"></span>cluded from the consolidated accounts<span class=\"_ _4\"></span>. The Group applies the net approach in accounting f<span class=\"_ _4\"></span>or securitisation structures wher<span class=\"_ _4\"></span>e it retains an inter<span class=\"_ _4\"></span>est in the securitisation, netting the loan notes held agains<span class=\"_ _4\"></span>t the deemed loan balance. Subsidiaries are fully consolidated fr<span class=\"_ _4\"></span>om the date on which control is tr<span class=\"_ _4\"></span>ansferred to the Gr<span class=\"_ _4\"></span>oup and are deconsolidated fr<span class=\"_ _4\"></span>om the date that control ceases<span class=\"_ _4\"></span>. Upon consolidation, intercompany transactions<span class=\"_ _4\"></span>, balances and unrealised gains on tr<span class=\"_ _4\"></span>ansactions are eliminated. Unrealised losses are also eliminated unless the tr<span class=\"_ _4\"></span>ansaction provides e<span class=\"_ _4\"></span>vidence of impairment of the asset transf<span class=\"_ _4\"></span>erred. Accounting policies of subsidiaries hav<span class=\"_ _4\"></span>e been changed where necessary to ensure consistency, so f<span class=\"_ _4\"></span>ar as is possible, with the policies adopted by the Gr<span class=\"_ _4\"></span>oup. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s EBT is con<span class=\"_ _4\"></span>trolled and recognised by the Company using the look<span class=\"_ _4\"></span>-through approach, i.<span class=\"_ _4\"></span>e. as if the EBT is include<span class=\"_ _4\"></span>d within the accounts of the Company. In the Company\u2019<span class=\"_ _1\"></span>s financial stat<span class=\"_ _4\"></span>ements, in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>ts in subsidiary undertakings are stat<span class=\"_ _4\"></span>ed at cost less impairmen<span class=\"_ _4\"></span>t. A full list of the Company\u2019<span class=\"_ _1\"></span>s subsidiaries which are included in the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s consolidated financial s<span class=\"_ _4\"></span>tatements can be f<span class=\"_ _4\"></span>ound in note 2 to the Company\u2019<span class=\"_ _1\"></span>s financial st<span class=\"_ _4\"></span>atements on page 254 and 255<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-530": {
   "value": "c<span class=\"_ _4\"></span>)<span class=\"_ _27\"> </span>B<span class=\"_ _0\"></span>asis of conso<span class=\"_ _0\"></span>lidation<span class=\"_ _311\"> </span>The Group accounts include the r<span class=\"_ _4\"></span>esults of the Company and all its subsidiary undertakings.<span class=\"_ _311\"> </span>Subsidiaries are those entities<span class=\"_ _4\"></span>, including structur<span class=\"_ _4\"></span>ed entities, o<span class=\"_ _4\"></span>ver which the Group has contr<span class=\"_ _4\"></span>ol.<span class=\"_ _311\"> </span>The Group contr<span class=\"_ _4\"></span>ols an entity when it is exposed, or has right<span class=\"_ _4\"></span>s, to variable r<span class=\"_ _4\"></span>eturns from its<span class=\"_ _311\"> </span>inv<span class=\"_ _4\"></span>olvement with the entity and has the ability t<span class=\"_ _4\"></span>o af<span class=\"_ _0\"></span>fect those re<span class=\"_ _4\"></span>turns through its pow<span class=\"_ _4\"></span>er over<span class=\"_ _311\"> </span>the inv<span class=\"_ _4\"></span>estee.<span class=\"_ _311\"> </span>Judgement is applied in assessing the rele<span class=\"_ _4\"></span>vant fact<span class=\"_ _4\"></span>ors and conditions in totality when<span class=\"_ _311\"> </span> determining whether the Group con<span class=\"_ _4\"></span>trols an entity. Specifically, judgement is applied in<span class=\"_ _311\"> </span> assessing whether the Group has subs<span class=\"_ _4\"></span>tantive decision-making righ<span class=\"_ _4\"></span>ts over the r<span class=\"_ _4\"></span>elevant<span class=\"_ _311\"> </span> activities and whether it is ex<span class=\"_ _4\"></span>ercising pow<span class=\"_ _4\"></span>er as a principal or an agent.<span class=\"_ _311\"> </span>The Group is not deemed to con<span class=\"_ _4\"></span>trol an entity when it ex<span class=\"_ _4\"></span>ercises pow<span class=\"_ _4\"></span>er over an en<span class=\"_ _4\"></span>tity in an<span class=\"_ _311\"> </span> agency capacity. In determining whether the Group is ac<span class=\"_ _4\"></span>ting as an agent, the Directors<span class=\"_ _311\"> </span> consider the ov<span class=\"_ _4\"></span>erall relationship betw<span class=\"_ _4\"></span>een the Group, the inv<span class=\"_ _4\"></span>estee and other parties to the<span class=\"_ _311\"> </span> arrangemen<span class=\"_ _4\"></span>t with respect to the follo<span class=\"_ _4\"></span>wing factors: (i) the scope of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s decision-making<span class=\"_ _311\"> </span> pow<span class=\"_ _4\"></span>er; (ii) the rights held by other parties; (iii) the remuner<span class=\"_ _4\"></span>ation to which the Group is entitled;<span class=\"_ _311\"> </span> and (iv) the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s exposure to variability o<span class=\"_ _4\"></span>f returns. The det<span class=\"_ _4\"></span>ermination of control is based on<span class=\"_ _311\"> </span> the current f<span class=\"_ _4\"></span>acts and circumst<span class=\"_ _4\"></span>ances and is continuously assessed. Where the Group does not r<span class=\"_ _4\"></span>etain a direct owner<span class=\"_ _4\"></span>ship interes<span class=\"_ _4\"></span>t in a securitisation entity, but the Director<span class=\"_ _4\"></span>s have determined that the Gr<span class=\"_ _4\"></span>oup controls those entities<span class=\"_ _4\"></span>, they are treated as subsidiaries and are consolidated. Con<span class=\"_ _4\"></span>trol is determined to exis<span class=\"_ _4\"></span>t if the Group has the po<span class=\"_ _4\"></span>wer to direct the activities of each en<span class=\"_ _4\"></span>tity (for example<span class=\"_ _4\"></span>, managing the performance of the underlying mortgage assets and raising debt on those mortgage assets which is used t<span class=\"_ _4\"></span>o fund the Group) and, in addition to this<span class=\"_ _4\"></span>, the Group is exposed to a v<span class=\"_ _4\"></span>ariable return (for ex<span class=\"_ _4\"></span>ample, retaining the residual risk on the mortgage assets). Securitisation s<span class=\"_ _4\"></span>tructures that do not meet these criteria are not tre<span class=\"_ _4\"></span>ated as subsidiaries and are ex<span class=\"_ _4\"></span>cluded from the consolidated accounts<span class=\"_ _4\"></span>. The Group applies the net approach in accounting f<span class=\"_ _4\"></span>or securitisation structures wher<span class=\"_ _4\"></span>e it retains an inter<span class=\"_ _4\"></span>est in the securitisation, netting the loan notes held agains<span class=\"_ _4\"></span>t the deemed loan balance. Subsidiaries are fully consolidated fr<span class=\"_ _4\"></span>om the date on which control is tr<span class=\"_ _4\"></span>ansferred to the Gr<span class=\"_ _4\"></span>oup and are deconsolidated fr<span class=\"_ _4\"></span>om the date that control ceases<span class=\"_ _4\"></span>. Upon consolidation, intercompany transactions<span class=\"_ _4\"></span>, balances and unrealised gains on tr<span class=\"_ _4\"></span>ansactions are eliminated. Unrealised losses are also eliminated unless the tr<span class=\"_ _4\"></span>ansaction provides e<span class=\"_ _4\"></span>vidence of impairment of the asset transf<span class=\"_ _4\"></span>erred. Accounting policies of subsidiaries hav<span class=\"_ _4\"></span>e been changed where necessary to ensure consistency, so f<span class=\"_ _4\"></span>ar as is possible, with the policies adopted by the Gr<span class=\"_ _4\"></span>oup. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s EBT is con<span class=\"_ _4\"></span>trolled and recognised by the Company using the look<span class=\"_ _4\"></span>-through approach, i.<span class=\"_ _4\"></span>e. as if the EBT is include<span class=\"_ _4\"></span>d within the accounts of the Company. In the Company\u2019<span class=\"_ _1\"></span>s financial stat<span class=\"_ _4\"></span>ements, in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>ts in subsidiary undertakings are stat<span class=\"_ _4\"></span>ed at cost less impairmen<span class=\"_ _4\"></span>t. A full list of the Company\u2019<span class=\"_ _1\"></span>s subsidiaries which are included in the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s consolidated financial s<span class=\"_ _4\"></span>tatements can be f<span class=\"_ _4\"></span>ound in note 2 to the Company\u2019<span class=\"_ _1\"></span>s financial st<span class=\"_ _4\"></span>atements on page 254 and 255<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-525": {
   "value": "A full list of the Company\u2019<span class=\"_ _1\"></span>s subsidiaries which are included in the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s consolidated financial s<span class=\"_ _4\"></span>tatements can be f<span class=\"_ _4\"></span>ound in note 2 to the Company\u2019<span class=\"_ _1\"></span>s financial st<span class=\"_ _4\"></span>atements on page 254 and 255<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>2. <span class=\"_ _18\"> </span>In<span class=\"_ _4\"></span>vestment<span class=\"_ _4\"></span>s in subsidiaries and intercomp<span class=\"_ _0\"></span>any loans<span class=\"_ _311\"> </span>The Company holds an inves<span class=\"_ _4\"></span>tment in or<span class=\"_ _4\"></span>dinary shares of \u00a31,<span class=\"_ _1\"></span>445.<span class=\"_ _4\"></span>0m (2022: \u00a31,<span class=\"_ _1\"></span>440<span class=\"_ _4\"></span>.7<span class=\"_ _4\"></span>m) and in A<span class=\"_ _1\"></span>T1 securities of \u00a390.<span class=\"_ _4\"></span>0m (2022: \u00a390<span class=\"_ _4\"></span>.0m) in it<span class=\"_ _4\"></span>s direct subsidiary, OneSavings Bank plc (OSB). The Company also holds an inves<span class=\"_ _4\"></span>tment in A<span class=\"_ _1\"></span>T1 securities of \u00a360<span class=\"_ _4\"></span>.0m (<span class=\"_ _4\"></span>2022: \u00a360<span class=\"_ _4\"></span>.0m) in an indirect subsidiary, Charter Court Financial Ser<span class=\"_ _0\"></span>vices Limited. The in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t in shares and A<span class=\"_ _1\"></span>T1 securities are carried at cos<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span><table class=\"s wafe h11f\" id=\"_e4cdd91d-7993-43b9-b1c4-1814a0b5855f\"><tr><td></td><td></td><td class=\"t m0 x12c5 h2b y49a0 ff2 fs16 fc5 sc0 ls1 ws0\">Intercompany </td></tr><tr><td></td><td class=\"t m0 xd42 h2b y49a1 ff2 fs16 fc5 sc0 ls1 ws0\">Inves<span class=\"_ _4\"></span>tment in </td><td class=\"t m0 x308 h2b y49a2 ff2 fs16 fc5 sc0 ls1 ws0\">loans (payable)/ </td></tr><tr><td></td><td class=\"t m0 x729 h2b y49a3 ff2 fs16 fc5 sc0 ls1 ws0\">subsidiaries<span class=\"_ _311\"> </span></td><td class=\"t m0 xae5 h2b y49a4 ff2 fs16 fc5 sc0 ls1 ws0\">receivable<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x298 h2b y49a5 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y49a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y49a7 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c6 y49a7 waff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,5<span class=\"_ _0\"></span>82.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c7 y49a7 wb00 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(0<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49a8 ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x12c8 y49a9 w25e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c9 y49a9 w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49aa wb01 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ca y49aa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cb y49aa wb02 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49ab wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cc y49ab wb03 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,590.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cd y49ab w1e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49ac ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x5d6 y4268 wb04 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ce y4268 wb05 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">57<span class=\"_ _0\"></span>1.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea wb01 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e6 y426b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cf y426b wb06 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d0 y426d w730 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">1,595.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d1 y426d wb07 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>Additions in investm<span class=\"_ _0\"></span>ent in<span class=\"_ _4\"></span> subs<span class=\"_ _0\"></span>idiaries include \u00a34.3m relating to share-base<span class=\"_ _0\"></span>d payments (2022:<span class=\"_ _4\"></span> inc<span class=\"_ _0\"></span>ludes \u00a38.1<span class=\"_ _4\"></span>m rela<span class=\"_ _0\"></span>ting to sha<span class=\"_ _4\"></span>re-based payments<span class=\"_ _4\"></span>).<span class=\"_ _311\"> </span>The transactions with subsidiaries comprise a subor<span class=\"_ _4\"></span>dinated liabilities issuance of \u00a3250m, a senior notes issuance of \u00a3300m, \u00a319<span class=\"_ _3\"></span>.6m of accrued inter<span class=\"_ _4\"></span>est mov<span class=\"_ _4\"></span>ement on subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes and \u00a31.7<span class=\"_ _1\"></span>m of cash receiv<span class=\"_ _4\"></span>ed from issuing shares under SA<span class=\"_ _1\"></span>YE. Repayments include \u00a32.<span class=\"_ _1\"></span>4m of share r<span class=\"_ _4\"></span>epurchase costs<span class=\"_ _4\"></span>, issuance cost of \u00a31.6m and \u00a31.3m on senior notes and subordinate<span class=\"_ _4\"></span>d liabilities respectively funded by OSB (<span class=\"_ _4\"></span>2022: \u00a32.<span class=\"_ _4\"></span>1m of additions in relation to cos<span class=\"_ _4\"></span>ts on shares repur<span class=\"_ _4\"></span>chased funded by OSB and repayment<span class=\"_ _4\"></span>s of \u00a31.<span class=\"_ _1\"></span>9m comprised \u00a31.6m cash receiv<span class=\"_ _4\"></span>ed from issuing shares under S<span class=\"_ _4\"></span>AYE and \u00a3<span class=\"_ _4\"></span>0.3m o<span class=\"_ _4\"></span>f tax losses surrendered to O<span class=\"_ _4\"></span>SB).<span class=\"_ _311\"> </span>Inv<span class=\"_ _4\"></span>estments in A<span class=\"_ _1\"></span>T1 securities are financial assets and in<span class=\"_ _4\"></span>tercompany loans are financial liabilities. In<span class=\"_ _4\"></span>tercompany loans payable are payable on demand and no in<span class=\"_ _4\"></span>terest is char<span class=\"_ _4\"></span>ged on these loans<span class=\"_ _4\"></span>. Intercompany loans receiv<span class=\"_ _4\"></span>able includes subordinated liabilities and senior notes issued by subsidiaries<span class=\"_ _4\"></span>. The rates and other terms and conditions are same as the Company<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s external issued senior no<span class=\"_ _4\"></span>tes and subordinated liabilities<span class=\"_ _4\"></span>. For details ref<span class=\"_ _4\"></span>er note 3 and note 4<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>A list o<span class=\"_ _4\"></span>f the Company\u2019<span class=\"_ _1\"></span>s direct and indirect subsidiaries as at 31 December 2023 is shown belo<span class=\"_ _4\"></span>w: <table class=\"s wb08 h120\" id=\"_cfd314e3-5149-44c0-884f-16768cca07d4\"><tr><td class=\"c n x254 y49ad wb09 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Direct inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d2 y49ad w68e hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d3 y49ad wb0a hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Register<span class=\"_ _4\"></span>ed office<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d4 y49ad w949 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49ae wa3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OneSavings Bank plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d5 y49ae wb0b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49ae wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49ae w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49af ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b0 wb0d hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49b0 w68e hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49b0 wb0e hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49b0 w949 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b1 wa41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5D Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12dc y49b1 wb0f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage servic<span class=\"_ _0\"></span>er and pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d3 y49b1 wb10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12dd y49b1 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b2 wa43 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Broadlands Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12de y49b2 wb11 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls42 ws0\">Mortgage administr<span class=\"_ _4\"></span>ation ser<span class=\"_ _0\"></span>vices<span class=\"_ _311\"> </span></div></td><td class=\"c n x12df y49b2 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>ter Court<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e0 y49b2 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b3 wb13 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.2 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e1 y49b3 wb14 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e2 y49b3 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e0 y49b3 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b4 w5c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.3 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e3 y49b4 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y49b4 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y49b4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b5 wb17 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e6 y49b5 wb18 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e7 y49b5 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e8 y49b5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b6 wb1a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.5 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e9 y49b6 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ea y49b6 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12eb y49b6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b7 w5cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Keys W<span class=\"_ _1\"></span>arehouse No<span class=\"_ _4\"></span>.1 Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ec y49b7 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ed y49b7 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ee y49b7 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49b8 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"c n x12ef y49b9 wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f0 y49b9 wb1b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f1 y49b9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49ba ff4 fs3 fc5 sc0 ls1 ws0\">Services Group Plc<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y49bb ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"t m0 x12d8 h16 y49bb ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending  </td><td class=\"c n x12d6 y49bc wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49bc w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49bd ff4 fs3 fc5 sc0 ls1 ws0\">Services Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x12d8 h16 y49bd ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 wb1c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f3 y4370 wb1d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage administration<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y4370 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y4370 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49be ff4 fs3 fc5 sc0 ls1 ws0\">and analytical services<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w5c7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2020-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f4 y426b wb1e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y426b wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wb1f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2023-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f5 y426d wb20 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f6 y426d wb21 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Chur<span class=\"_ _4\"></span>chill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f7 y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s wb22 h121\" id=\"_e2264328-0b61-4922-8599-e5944fcf40ad\"><tr><td class=\"c n x254 y49bf wb0d hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49bf wb23 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49bf wb24 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49bf w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49c0 wa47 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Easioption Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49c0 wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f8 y49c0 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f9 y49c0 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c1 ff4 fs3 fc5 sc0 ls1 ws0\">Exact Mortgage Experts </td><td class=\"c n x12fa y49c2 wa4a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Group service company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fb y49c2 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>ter Court<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fc y49c2 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c3 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49c4 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans </td><td class=\"c n x12fa y49c5 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49c5 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fe y49c5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c6 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49c7 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans </td><td class=\"c n x12fa y49c8 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49c8 wb27 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ff y49c8 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c9 ff4 fs3 fc5 sc0 ls1 ws0\">Limited (Guernsey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49ca ff4 fs3 fc5 sc0 ls1 ws0\">Heritable Dev<span class=\"_ _4\"></span>elopment </td><td class=\"t m0 x1300 h16 y49ca ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator  </td><td class=\"c n x1301 y49cb wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49cb w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49cc ff4 fs3 fc5 sc0 ls1 ws0\">Finance Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x1300 h16 y49cc ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49cd wb28 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial I Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1303 y49cd wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1304 y49cd wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1305 y49cd w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49ce ff4 fs3 fc5 sc0 ls1 ws0\">InterBay Asset Finance </td><td class=\"t m0 x1300 h16 y49ce ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance and  </td><td class=\"c n x1301 y49cf wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49cf w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49d0 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x1300 h16 y49d0 ff4 fs3 fc5 sc0 ls1 ws0\">mortgage provider<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b4 wa50 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Funding, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1306 y49b4 wb29 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage ser<span class=\"_ _0\"></span>vicer<span class=\"_ _311\"> </span></div></td><td class=\"c n x1307 y49b4 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1308 y49b4 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49d1 wb2a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay ML, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1309 y49d1 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130a y49d1 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130b y49d1 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49d2 wb2b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x130c y49d2 wb2c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130d y49d2 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130e y49d2 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49d3 ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited </td><td class=\"c n x12fa y49b7 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49b7 wb2d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey<span class=\"_ _311\"> </span></div></td><td class=\"c n x130f y49b7 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49d4 ff4 fs3 fc5 sc0 ls1 ws0\">(Jersey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49d5 wa65 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB India Private Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1310 y49d5 wb2e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Back office processing<span class=\"_ _311\"> </span></div></td><td class=\"c n x1311 y49d5 w254 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x1312 y49d5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49d6 wa55 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Pres<span class=\"_ _4\"></span>tige Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1313 y49d6 wb2f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator<span class=\"_ _311\"> </span></div></td><td class=\"c n x1301 y49d6 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49d6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1300 h16 y49d7 ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49d8 ff4 fs3 fc5 sc0 ls1 ws0\">Reliance Property L<span class=\"_ _4\"></span>oans </td><td class=\"c n x12fa y49d9 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49d9 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fe y49d9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49da ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b wb30 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Roches<span class=\"_ _4\"></span>ter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1314 y426b wa58 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1315 y426b wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1316 y426b w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wb31 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">WSE Bourton Road Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1317 y426d wb32 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">L<span class=\"_ _4\"></span>and lease inves<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x1318 y426d wb33 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1319 y426d w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr></table><span class=\"_ gs41e\"> </span>A list o<span class=\"_ _4\"></span>f the Company\u2019<span class=\"_ _1\"></span>s direct and indirect subsidiaries as at 31 December 2022 is shown below: <table class=\"s wb08 h122\" id=\"_c37801b8-1d00-488c-935e-b6c4c3203abf\"><tr><td class=\"c n x254 y49db wb09 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Direct inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d2 y49db w68e hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d3 y49db wb0a hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Register<span class=\"_ _4\"></span>ed office<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d4 y49db w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49dc wa3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OneSavings Bank plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d5 y49dc wb0b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49dc wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49dc w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49dd ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49de wb0d hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49de w68e hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49de wb0e hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49de w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49df wa41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5D Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12dc y49df wa51 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage servic<span class=\"_ _0\"></span>er<span class=\"_ _311\"> </span></div></td><td class=\"c n x131a y49df wb10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x131b y49df w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49e0 wa43 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Broadlands Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12de y49e0 wb34 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage administr<span class=\"_ _4\"></span>ation<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49e0 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49e0 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49e1 ff4 fs3 fc5 sc0 ls1 ws0\">services<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49e2 wb13 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.2 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e1 y49e2 wb14 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e2 y49e2 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e0 y49e2 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49e3 w5c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.3 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e3 y49e3 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y49e3 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y49e3 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49c5 wb17 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e6 y49c5 wb18 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e7 y49c5 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e8 y49c5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49e4 wb1a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.5 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e9 y49e4 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ea y49e4 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12eb y49e4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49e5 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"c n x12ef y49e6 wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f0 y49e6 wb1b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f1 y49e6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49e7 ff4 fs3 fc5 sc0 ls1 ws0\">Services Group Plc<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y49e8 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"t m0 x12d8 h16 y49e8 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending  </td><td class=\"c n x12d6 y49e9 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49e9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49ea ff4 fs3 fc5 sc0 ls1 ws0\">Services Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x12d8 h16 y49ea ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49eb wb1c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f3 y49eb wb1d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage administration<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49eb wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49eb w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49ec ff4 fs3 fc5 sc0 ls1 ws0\">and analytical services<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49ed w5c7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2020-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f4 y49ed wb1e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y49ed wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y49ed wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49ee wa47 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Easioption Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49ee wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x131c y49ee wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ee y49ee w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49ef ff4 fs3 fc5 sc0 ls1 ws0\">Exact Mortgage Experts </td><td class=\"c n x12ef y49f0 wa4a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Group service company<span class=\"_ _311\"> </span></div></td><td class=\"c n x131d y49f0 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>ter Court<span class=\"_ _311\"> </span></div></td><td class=\"c n x131e y49f0 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f1 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b7 wa4b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x131f y49b7 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1320 y49b7 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1321 y49b7 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f2 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans Limited </td><td class=\"c n x12ef y49b9 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1322 y49b9 w7e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n x1323 y49b9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f3 ff4 fs3 fc5 sc0 ls1 ws0\">(Guernsey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y49f4 ff4 fs3 fc5 sc0 ls1 ws0\">Heritable Dev<span class=\"_ _4\"></span>elopment  </td><td class=\"t m0 x12d8 h16 y49f4 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator  </td><td class=\"c n x12d6 y49d6 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49d6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f5 ff4 fs3 fc5 sc0 ls1 ws0\">Finance Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x12d8 h16 y49f5 ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 wb35 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial I Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1303 y4370 wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1304 y4370 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1305 y4370 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y451f wb36 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial II Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1324 y451f wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e7 y451f wb10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1325 y451f w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49f6 wb37 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">InterBay Asset Finance Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1317 y49f6 wb38 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance and<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49f6 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49f6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49f7 ff4 fs3 fc5 sc0 ls1 ws0\">mortgage provider<span class=\"_ _311\"> </span></td><td></td><td></td></tr></table><table class=\"s wb22 h123\" id=\"_f0e38348-6eaf-48ce-abd7-c5d3a1f4af1a\"><tr><td class=\"c n x254 y49f8 wb0d hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49f8 wb23 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49f8 wb24 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49f8 w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49f9 wa50 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Funding, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1306 y49f9 wb29 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage ser<span class=\"_ _0\"></span>vicer<span class=\"_ _311\"> </span></div></td><td class=\"c n x1307 y49f9 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1308 y49f9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fa ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Gr<span class=\"_ _4\"></span>oup Holdings </td><td class=\"c n x12fa y49cf wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1326 y49cf wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1327 y49cf w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fb ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b4 wcd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Holdings L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1328 y49b4 wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1329 y49b4 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x132a y49b4 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b5 wb2a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay ML, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1309 y49b5 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130a y49b5 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130b y49b5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b6 wb2b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x130c y49b6 wb2c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130d y49b6 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130e y49b6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fc ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited </td><td class=\"c n x12fa y49b7 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49b7 wb2d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey<span class=\"_ _311\"> </span></div></td><td class=\"c n x130f y49b7 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fd ff4 fs3 fc5 sc0 ls1 ws0\">(Jersey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49d5 wa65 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB India Private Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1310 y49d5 wb2e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Back office processing<span class=\"_ _311\"> </span></div></td><td class=\"c n x1311 y49d5 w254 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x1312 y49d5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49bc wa55 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Pres<span class=\"_ _4\"></span>tige Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1313 y49bc wb2f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator<span class=\"_ _311\"> </span></div></td><td class=\"c n x1301 y49bc wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49bc w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1300 h16 y49fe ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49ff ff4 fs3 fc5 sc0 ls1 ws0\">Reliance Property L<span class=\"_ _4\"></span>oans </td><td class=\"c n x12fa y4370 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y4370 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fe y4370 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4a00 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b wb31 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">WSE Bourton Road Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1317 y426b wb32 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">L<span class=\"_ _4\"></span>and lease inves<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x1318 y426b wb33 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1319 y426b w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wb30 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Roches<span class=\"_ _4\"></span>ter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1314 y426d wa58 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1315 y426d wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1316 y426d w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr></table>All inv<span class=\"_ _4\"></span>estments ar<span class=\"_ _4\"></span>e in the ordinary share capital o<span class=\"_ _4\"></span>f each subsidiary. OSB India Private Limit<span class=\"_ _4\"></span>ed is owned 7<span class=\"_ _4\"></span>0<span class=\"_ _4\"></span>.28% by OneSavings Bank plc, 29<span class=\"_ _3\"></span>.72% by E<span class=\"_ _4\"></span>asioption Limited and 0<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>001% by Reliance Property Loans Limited. SPV<span class=\"_ _4\"></span>s which the Group controls ar<span class=\"_ _4\"></span>e treated as subsidiaries for accoun<span class=\"_ _4\"></span>ting purposes. All of the entities lis<span class=\"_ _4\"></span>ted abov<span class=\"_ _4\"></span>e have been consolidated int<span class=\"_ _4\"></span>o the Group\u2019<span class=\"_ _1\"></span>s consolidated financial st<span class=\"_ _4\"></span>atements<span class=\"_ _4\"></span>. The location of the entities list<span class=\"_ _4\"></span>ed above ar<span class=\"_ _4\"></span>e disclosed in note 48 to the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s consolidated financial s<span class=\"_ _4\"></span>tatements<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The inv<span class=\"_ _4\"></span>estment is re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed annually for indicators o<span class=\"_ _4\"></span>f impairment. If impairment indicator<span class=\"_ _4\"></span>s are identified an impairmen<span class=\"_ _4\"></span>t revie<span class=\"_ _4\"></span>w of the inves<span class=\"_ _4\"></span>tment is conducted which will quan<span class=\"_ _4\"></span>tify if the carrying value is in e<span class=\"_ _4\"></span>xcess of the recov<span class=\"_ _4\"></span>erable amount or an impairmen<span class=\"_ _4\"></span>t has occurred. In determining reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t, the fair value less costs t<span class=\"_ _4\"></span>o sell and the value in use are assessed, with the value in use being an es<span class=\"_ _4\"></span>timate of the present v<span class=\"_ _4\"></span>alue of future cash flo<span class=\"_ _4\"></span>ws generate<span class=\"_ _4\"></span>d by the inves<span class=\"_ _4\"></span>tment. The follo<span class=\"_ _4\"></span>wing are the regis<span class=\"_ _4\"></span>tered offices of the subsidiaries:<span class=\"_ _311\"> </span>Charter Cour<span class=\"_ _0\"></span>t \u2013 2 Charter Court, Broadlands<span class=\"_ _4\"></span>, W<span class=\"_ _4\"></span>olverhampton, WV10 6TD<span class=\"_ _311\"> </span>Churchill Place \u2013 5 Churchill Place<span class=\"_ _4\"></span>, 10th Floor<span class=\"_ _4\"></span>, London, E14 5HU Guernsey \u2013 1st Floor<span class=\"_ _1\"></span>, T<span class=\"_ _1\"></span>udor House, Le Bor<span class=\"_ _4\"></span>dage, St Peter Port, Guernsey, G<span class=\"_ _1\"></span>Y1 1DB<span class=\"_ _311\"> </span>India \u2013 Salarpuria Magnificia No. 7<span class=\"_ _4\"></span>8, 9th &amp; 10th floor<span class=\"_ _1\"></span>, Old Madras Road, Bangalore<span class=\"_ _4\"></span>, India, 560016<span class=\"_ _311\"> </span>Jersey \u2013 2<span class=\"_ _4\"></span>6 New Str<span class=\"_ _4\"></span>eet, St Helier<span class=\"_ _4\"></span>, Jersey, JE2 3RA<span class=\"_ _311\"> </span>OSB House \u2013 Quayside<span class=\"_ _4\"></span>, Chatham Maritime, Chatham, England, ME4 4Q<span class=\"_ _4\"></span>Z<span class=\"_ _311\"> </span>Reliance House \u2013 Reliance House<span class=\"_ _4\"></span>, Sun Pier<span class=\"_ _4\"></span>, Chatham, Ken<span class=\"_ _4\"></span>t, ME4 4ET",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-513": {
   "value": "A full list of the Company\u2019<span class=\"_ _1\"></span>s subsidiaries which are included in the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s consolidated financial s<span class=\"_ _4\"></span>tatements can be f<span class=\"_ _4\"></span>ound in note 2 to the Company\u2019<span class=\"_ _1\"></span>s financial st<span class=\"_ _4\"></span>atements on page 254 and 255<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Structur<span class=\"_ _0\"></span>ed entities<span class=\"_ _311\"> </span>The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>023 were Cant<span class=\"_ _4\"></span>erbury Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury Finance No.<span class=\"_ _4\"></span>5 plc, CMF 202<span class=\"_ _4\"></span>0-1 plc, CMF 2023-<span class=\"_ _4\"></span>1 plc and Keys W<span class=\"_ _1\"></span>arehouse No.<span class=\"_ _1\"></span>1 Limited. These entities hold legal title to a pool o<span class=\"_ _4\"></span>f mor<span class=\"_ _0\"></span>tgages which ar<span class=\"_ _4\"></span>e used as a security for issued debt. The transf<span class=\"_ _4\"></span>er of mortgages fails derecognition criteria because the Group r<span class=\"_ _4\"></span>etained the subordinat<span class=\"_ _4\"></span>ed notes and residual certificates issued and as such did not tr<span class=\"_ _4\"></span>ansfer subst<span class=\"_ _4\"></span>antially the risks and re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership o<span class=\"_ _4\"></span>f the securitised mor<span class=\"_ _0\"></span>tgages<span class=\"_ _4\"></span>. Theref<span class=\"_ _4\"></span>ore, the Group is e<span class=\"_ _4\"></span>xposed to credit, inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e and other risks on the securitised mortgages. Cash flows gener<span class=\"_ _4\"></span>ated from the s<span class=\"_ _4\"></span>tructured entities ar<span class=\"_ _4\"></span>e ring-fenced and are used t<span class=\"_ _4\"></span>o pay interes<span class=\"_ _4\"></span>t and principal of the issued debt securities in a w<span class=\"_ _4\"></span>aterfall order according t<span class=\"_ _4\"></span>o the seniority of the bonds<span class=\"_ _4\"></span>. The structured en<span class=\"_ _4\"></span>tities are self-funded and the Gr<span class=\"_ _4\"></span>oup is not contractually or constructiv<span class=\"_ _4\"></span>ely obliged to pro<span class=\"_ _4\"></span>vide fur<span class=\"_ _0\"></span>ther liquidity or financial support. The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>022 were Cant<span class=\"_ _4\"></span>erbury Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury Finance No.<span class=\"_ _4\"></span>5 plc and CMF 2020-1 plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Unc<span class=\"_ _0\"></span>onsolidat<span class=\"_ _0\"></span>ed struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _311\"> </span>Structured en<span class=\"_ _4\"></span>tities, which w<span class=\"_ _4\"></span>ere sponsored by the Group include Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>tgage Funding 2017<span class=\"_ _1\"></span>-1B plc, Charter Mortgage Funding 2017<span class=\"_ _1\"></span>-1 plc, Precise Mortgage Funding 2018-<span class=\"_ _4\"></span>1B plc, Charter Mortgage Funding 2018-1 plc, Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage Funding 2019-1B plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _1\"></span>1 plc and Precise Mortgage Funding 2020-1B plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>These structur<span class=\"_ _4\"></span>ed entities are not consolidated by the Gr<span class=\"_ _4\"></span>oup, as the Group does not control the entities and is not expose<span class=\"_ _4\"></span>d to the risks and r<span class=\"_ _4\"></span>ewar<span class=\"_ _4\"></span>ds of owner<span class=\"_ _4\"></span>ship from the securitised mortgages. The Group has no con<span class=\"_ _4\"></span>tractual arrangemen<span class=\"_ _4\"></span>ts with the unconsolidated structur<span class=\"_ _4\"></span>ed entities other than the inv<span class=\"_ _4\"></span>estment<span class=\"_ _4\"></span>s disclosed in note 16 and servicing the structured en<span class=\"_ _4\"></span>tities<span class=\"_ _4\"></span>\u2019 mortgage portfolios. The Group has not pro<span class=\"_ _4\"></span>vided any support to the unconsolidated structur<span class=\"_ _4\"></span>ed entities liste<span class=\"_ _4\"></span>d and has no obligation or inten<span class=\"_ _4\"></span>tion to do so.<span class=\"_ _311\"> </span>During 2023 the Group r<span class=\"_ _4\"></span>eceived \u00a35.<span class=\"_ _4\"></span>3m interes<span class=\"_ _4\"></span>t income (2022: \u00a32.6m) and \u00a32.6m servicing income (2022: \u00a34<span class=\"_ _1\"></span>.3m) from unconsolidated s<span class=\"_ _4\"></span>tructured entities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs776\">2. <span class=\"_ _18\"> </span>In<span class=\"_ _4\"></span>vestment<span class=\"_ _4\"></span>s in subsidiaries and intercomp<span class=\"_ _0\"></span>any loans<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs777\">The Company holds an inves<span class=\"_ _4\"></span>tment in or<span class=\"_ _4\"></span>dinary shares of \u00a31,<span class=\"_ _1\"></span>445.<span class=\"_ _4\"></span>0m (2022: \u00a31,<span class=\"_ _1\"></span>440<span class=\"_ _4\"></span>.7<span class=\"_ _4\"></span>m) and in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs778\">A<span class=\"_ _1\"></span>T1 securities of \u00a390.<span class=\"_ _4\"></span>0m (2022: \u00a390<span class=\"_ _4\"></span>.0m) in it<span class=\"_ _4\"></span>s direct subsidiary, OneSavings Bank plc (OSB). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs779\">The Company also holds an inves<span class=\"_ _4\"></span>tment in A<span class=\"_ _1\"></span>T1 securities of \u00a360<span class=\"_ _4\"></span>.0m (<span class=\"_ _4\"></span>2022: \u00a360<span class=\"_ _4\"></span>.0m) in an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs77a\">indirect subsidiary, Charter Court Financial Ser<span class=\"_ _0\"></span>vices Limited. The in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t in shares and A<span class=\"_ _1\"></span>T1 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs77b\">securities are carried at cos<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span></div><div class=\"gs77c\"><table class=\"s wafe h11f\" id=\"_e4cdd91d-7993-43b9-b1c4-1814a0b5855f\"><tr><td></td><td></td><td class=\"t m0 x12c5 h2b y49a0 ff2 fs16 fc5 sc0 ls1 ws0\">Intercompany </td></tr><tr><td></td><td class=\"t m0 xd42 h2b y49a1 ff2 fs16 fc5 sc0 ls1 ws0\">Inves<span class=\"_ _4\"></span>tment in </td><td class=\"t m0 x308 h2b y49a2 ff2 fs16 fc5 sc0 ls1 ws0\">loans (payable)/ </td></tr><tr><td></td><td class=\"t m0 x729 h2b y49a3 ff2 fs16 fc5 sc0 ls1 ws0\">subsidiaries<span class=\"_ _311\"> </span></td><td class=\"t m0 xae5 h2b y49a4 ff2 fs16 fc5 sc0 ls1 ws0\">receivable<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x298 h2b y49a5 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y49a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y49a7 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c6 y49a7 waff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,5<span class=\"_ _0\"></span>82.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c7 y49a7 wb00 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(0<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49a8 ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x12c8 y49a9 w25e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c9 y49a9 w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49aa wb01 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ca y49aa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cb y49aa wb02 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49ab wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cc y49ab wb03 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,590.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cd y49ab w1e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49ac ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x5d6 y4268 wb04 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ce y4268 wb05 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">57<span class=\"_ _0\"></span>1.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea wb01 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e6 y426b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x12cf y426b wb06 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d0 y426d w730 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">1,595.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d1 y426d wb07 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs77d\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs77e\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls57 ws5b gs77f\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>Additions in investm<span class=\"_ _0\"></span>ent in<span class=\"_ _4\"></span> subs<span class=\"_ _0\"></span>idiaries include \u00a34.3m relating to share-base<span class=\"_ _0\"></span>d payments (2022:<span class=\"_ _4\"></span> inc<span class=\"_ _0\"></span>ludes \u00a38.1<span class=\"_ _4\"></span>m rela<span class=\"_ _0\"></span>ting </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs780\">to sha<span class=\"_ _4\"></span>re-based payments<span class=\"_ _4\"></span>).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs781\">The transactions with subsidiaries comprise a subor<span class=\"_ _4\"></span>dinated liabilities issuance of \u00a3250m, a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs782\">senior notes issuance of \u00a3300m, \u00a319<span class=\"_ _3\"></span>.6m of accrued inter<span class=\"_ _4\"></span>est mov<span class=\"_ _4\"></span>ement on subordinat<span class=\"_ _4\"></span>ed liabilities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs783\">and senior notes and \u00a31.7<span class=\"_ _1\"></span>m of cash receiv<span class=\"_ _4\"></span>ed from issuing shares under SA<span class=\"_ _1\"></span>YE. Repayments </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs784\">include \u00a32.<span class=\"_ _1\"></span>4m of share r<span class=\"_ _4\"></span>epurchase costs<span class=\"_ _4\"></span>, issuance cost of \u00a31.6m and \u00a31.3m on senior notes and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs785\">subordinate<span class=\"_ _4\"></span>d liabilities respectively funded by OSB (<span class=\"_ _4\"></span>2022: \u00a32.<span class=\"_ _4\"></span>1m of additions in relation to cos<span class=\"_ _4\"></span>ts </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs786\">on shares repur<span class=\"_ _4\"></span>chased funded by OSB and repayment<span class=\"_ _4\"></span>s of \u00a31.<span class=\"_ _1\"></span>9m comprised \u00a31.6m cash receiv<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs787\">from issuing shares under S<span class=\"_ _4\"></span>AYE and \u00a3<span class=\"_ _4\"></span>0.3m o<span class=\"_ _4\"></span>f tax losses surrendered to O<span class=\"_ _4\"></span>SB).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs788\">Inv<span class=\"_ _4\"></span>estments in A<span class=\"_ _1\"></span>T1 securities are financial assets and in<span class=\"_ _4\"></span>tercompany loans are financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs789\">liabilities. In<span class=\"_ _4\"></span>tercompany loans payable are payable on demand and no in<span class=\"_ _4\"></span>terest is char<span class=\"_ _4\"></span>ged on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs78a\">these loans<span class=\"_ _4\"></span>. Intercompany loans receiv<span class=\"_ _4\"></span>able includes subordinated liabilities and senior notes </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs78b\">issued by subsidiaries<span class=\"_ _4\"></span>. The rates and other terms and conditions are same as the Company<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs78c\">external issued senior no<span class=\"_ _4\"></span>tes and subordinated liabilities<span class=\"_ _4\"></span>. For details ref<span class=\"_ _4\"></span>er note 3 and note 4<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs78d\">A list o<span class=\"_ _4\"></span>f the Company\u2019<span class=\"_ _1\"></span>s direct and indirect subsidiaries as at 31 December 2023 is shown belo<span class=\"_ _4\"></span>w: </div><div class=\"gs78e\"><table class=\"s wb08 h120\" id=\"_cfd314e3-5149-44c0-884f-16768cca07d4\"><tr><td class=\"c n x254 y49ad wb09 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Direct inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d2 y49ad w68e hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d3 y49ad wb0a hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Register<span class=\"_ _4\"></span>ed office<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d4 y49ad w949 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49ae wa3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OneSavings Bank plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d5 y49ae wb0b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49ae wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49ae w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49af ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b0 wb0d hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49b0 w68e hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49b0 wb0e hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49b0 w949 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b1 wa41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5D Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12dc y49b1 wb0f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage servic<span class=\"_ _0\"></span>er and pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d3 y49b1 wb10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12dd y49b1 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b2 wa43 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Broadlands Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12de y49b2 wb11 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls42 ws0\">Mortgage administr<span class=\"_ _4\"></span>ation ser<span class=\"_ _0\"></span>vices<span class=\"_ _311\"> </span></div></td><td class=\"c n x12df y49b2 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>ter Court<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e0 y49b2 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b3 wb13 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.2 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e1 y49b3 wb14 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e2 y49b3 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e0 y49b3 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b4 w5c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.3 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e3 y49b4 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y49b4 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y49b4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b5 wb17 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e6 y49b5 wb18 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e7 y49b5 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e8 y49b5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b6 wb1a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.5 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e9 y49b6 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ea y49b6 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12eb y49b6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b7 w5cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Keys W<span class=\"_ _1\"></span>arehouse No<span class=\"_ _4\"></span>.1 Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ec y49b7 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ed y49b7 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ee y49b7 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49b8 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"c n x12ef y49b9 wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f0 y49b9 wb1b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f1 y49b9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49ba ff4 fs3 fc5 sc0 ls1 ws0\">Services Group Plc<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y49bb ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"t m0 x12d8 h16 y49bb ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending  </td><td class=\"c n x12d6 y49bc wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49bc w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49bd ff4 fs3 fc5 sc0 ls1 ws0\">Services Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x12d8 h16 y49bd ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 wb1c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f3 y4370 wb1d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage administration<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y4370 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y4370 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49be ff4 fs3 fc5 sc0 ls1 ws0\">and analytical services<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w5c7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2020-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f4 y426b wb1e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y426b wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wb1f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2023-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f5 y426d wb20 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f6 y426d wb21 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Chur<span class=\"_ _4\"></span>chill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f7 y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs334\"><table class=\"s wb22 h121\" id=\"_e2264328-0b61-4922-8599-e5944fcf40ad\"><tr><td class=\"c n x254 y49bf wb0d hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49bf wb23 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49bf wb24 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49bf w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49c0 wa47 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Easioption Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49c0 wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f8 y49c0 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f9 y49c0 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c1 ff4 fs3 fc5 sc0 ls1 ws0\">Exact Mortgage Experts </td><td class=\"c n x12fa y49c2 wa4a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Group service company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fb y49c2 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>ter Court<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fc y49c2 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c3 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49c4 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans </td><td class=\"c n x12fa y49c5 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49c5 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fe y49c5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c6 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49c7 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans </td><td class=\"c n x12fa y49c8 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49c8 wb27 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ff y49c8 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49c9 ff4 fs3 fc5 sc0 ls1 ws0\">Limited (Guernsey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49ca ff4 fs3 fc5 sc0 ls1 ws0\">Heritable Dev<span class=\"_ _4\"></span>elopment </td><td class=\"t m0 x1300 h16 y49ca ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator  </td><td class=\"c n x1301 y49cb wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49cb w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49cc ff4 fs3 fc5 sc0 ls1 ws0\">Finance Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x1300 h16 y49cc ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49cd wb28 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial I Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1303 y49cd wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1304 y49cd wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1305 y49cd w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49ce ff4 fs3 fc5 sc0 ls1 ws0\">InterBay Asset Finance </td><td class=\"t m0 x1300 h16 y49ce ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance and  </td><td class=\"c n x1301 y49cf wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49cf w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49d0 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x1300 h16 y49d0 ff4 fs3 fc5 sc0 ls1 ws0\">mortgage provider<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b4 wa50 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Funding, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1306 y49b4 wb29 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage ser<span class=\"_ _0\"></span>vicer<span class=\"_ _311\"> </span></div></td><td class=\"c n x1307 y49b4 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1308 y49b4 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49d1 wb2a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay ML, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1309 y49d1 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130a y49d1 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130b y49d1 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49d2 wb2b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x130c y49d2 wb2c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130d y49d2 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130e y49d2 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49d3 ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited </td><td class=\"c n x12fa y49b7 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49b7 wb2d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey<span class=\"_ _311\"> </span></div></td><td class=\"c n x130f y49b7 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49d4 ff4 fs3 fc5 sc0 ls1 ws0\">(Jersey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49d5 wa65 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB India Private Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1310 y49d5 wb2e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Back office processing<span class=\"_ _311\"> </span></div></td><td class=\"c n x1311 y49d5 w254 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x1312 y49d5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49d6 wa55 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Pres<span class=\"_ _4\"></span>tige Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1313 y49d6 wb2f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator<span class=\"_ _311\"> </span></div></td><td class=\"c n x1301 y49d6 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49d6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1300 h16 y49d7 ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49d8 ff4 fs3 fc5 sc0 ls1 ws0\">Reliance Property L<span class=\"_ _4\"></span>oans </td><td class=\"c n x12fa y49d9 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49d9 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fe y49d9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49da ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b wb30 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Roches<span class=\"_ _4\"></span>ter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1314 y426b wa58 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1315 y426b wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1316 y426b w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wb31 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">WSE Bourton Road Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1317 y426d wb32 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">L<span class=\"_ _4\"></span>and lease inves<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x1318 y426d wb33 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1319 y426d w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs791\">A list o<span class=\"_ _4\"></span>f the Company\u2019<span class=\"_ _1\"></span>s direct and indirect subsidiaries as at 31 December 2022 is shown </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs792\">below: </div><div class=\"gs793\"><table class=\"s wb08 h122\" id=\"_c37801b8-1d00-488c-935e-b6c4c3203abf\"><tr><td class=\"c n x254 y49db wb09 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Direct inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d2 y49db w68e hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d3 y49db wb0a hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Register<span class=\"_ _4\"></span>ed office<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d4 y49db w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49dc wa3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OneSavings Bank plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d5 y49dc wb0b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49dc wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49dc w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49dd ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49de wb0d hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49de w68e hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49de wb0e hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49de w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49df wa41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5D Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12dc y49df wa51 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage servic<span class=\"_ _0\"></span>er<span class=\"_ _311\"> </span></div></td><td class=\"c n x131a y49df wb10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x131b y49df w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49e0 wa43 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Broadlands Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12de y49e0 wb34 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage administr<span class=\"_ _4\"></span>ation<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49e0 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49e0 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49e1 ff4 fs3 fc5 sc0 ls1 ws0\">services<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49e2 wb13 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.2 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e1 y49e2 wb14 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e2 y49e2 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e0 y49e2 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49e3 w5c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.3 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e3 y49e3 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y49e3 wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y49e3 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49c5 wb17 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e6 y49c5 wb18 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Spe<span class=\"_ _0\"></span>cial purpose v<span class=\"_ _4\"></span>ehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e7 y49c5 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e8 y49c5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49e4 wb1a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.5 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e9 y49e4 wb16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ea y49e4 wb19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12eb y49e4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49e5 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"c n x12ef y49e6 wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f0 y49e6 wb1b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f1 y49e6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49e7 ff4 fs3 fc5 sc0 ls1 ws0\">Services Group Plc<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y49e8 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t Financial </td><td class=\"t m0 x12d8 h16 y49e8 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending  </td><td class=\"c n x12d6 y49e9 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49e9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49ea ff4 fs3 fc5 sc0 ls1 ws0\">Services Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x12d8 h16 y49ea ff4 fs3 fc5 sc0 ls1 ws0\">and deposit taking<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49eb wb1c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f3 y49eb wb1d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage administration<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49eb wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charter Cour<span class=\"_ _0\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f2 y49eb w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49ec ff4 fs3 fc5 sc0 ls1 ws0\">and analytical services<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y49ed w5c7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2020-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x12f4 y49ed wb1e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e4 y49ed wb15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Churchill Place<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e5 y49ed wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49ee wa47 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Easioption Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49ee wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x131c y49ee wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ee y49ee w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49ef ff4 fs3 fc5 sc0 ls1 ws0\">Exact Mortgage Experts </td><td class=\"c n x12ef y49f0 wa4a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Group service company<span class=\"_ _311\"> </span></div></td><td class=\"c n x131d y49f0 wb12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Char<span class=\"_ _0\"></span>ter Court<span class=\"_ _311\"> </span></div></td><td class=\"c n x131e y49f0 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f1 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b7 wa4b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x131f y49b7 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1320 y49b7 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1321 y49b7 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f2 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Lo<span class=\"_ _4\"></span>ans Limited </td><td class=\"c n x12ef y49b9 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1322 y49b9 w7e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n x1323 y49b9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f3 ff4 fs3 fc5 sc0 ls1 ws0\">(Guernsey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y49f4 ff4 fs3 fc5 sc0 ls1 ws0\">Heritable Dev<span class=\"_ _4\"></span>elopment  </td><td class=\"t m0 x12d8 h16 y49f4 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator  </td><td class=\"c n x12d6 y49d6 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49d6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y49f5 ff4 fs3 fc5 sc0 ls1 ws0\">Finance Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 x12d8 h16 y49f5 ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 wb35 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial I Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1303 y4370 wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1304 y4370 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1305 y4370 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y451f wb36 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial II Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1324 y451f wa3e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x12e7 y451f wb10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1325 y451f w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49f6 wb37 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">InterBay Asset Finance Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1317 y49f6 wb38 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance and<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d6 y49f6 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d7 y49f6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x12d8 h16 y49f7 ff4 fs3 fc5 sc0 ls1 ws0\">mortgage provider<span class=\"_ _311\"> </span></td><td></td><td></td></tr></table></div><div class=\"gs795\"><table class=\"s wb22 h123\" id=\"_f0e38348-6eaf-48ce-abd7-c5d3a1f4af1a\"><tr><td class=\"c n x254 y49f8 wb0d hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Indirect inv<span class=\"_ _4\"></span>estments<span class=\"_ _311\"> </span></div></td><td class=\"c n x12d9 y49f8 wb23 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activity<span class=\"_ _311\"> </span></div></td><td class=\"c n x12da y49f8 wb24 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Registered o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fice<span class=\"_ _311\"> </span></div></td><td class=\"c n x12db y49f8 w949 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Ownership<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49f9 wa50 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Funding, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1306 y49f9 wb29 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage ser<span class=\"_ _0\"></span>vicer<span class=\"_ _311\"> </span></div></td><td class=\"c n x1307 y49f9 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1308 y49f9 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fa ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Gr<span class=\"_ _4\"></span>oup Holdings </td><td class=\"c n x12fa y49cf wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1326 y49cf wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1327 y49cf w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fb ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49b4 wcd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Holdings L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1328 y49b4 wb25 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td><td class=\"c n x1329 y49b4 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x132a y49b4 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b5 wb2a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Interbay ML, L<span class=\"_ _4\"></span>td<span class=\"_ _311\"> </span></div></td><td class=\"c n x1309 y49b5 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130a y49b5 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130b y49b5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49b6 wb2b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x130c y49b6 wb2c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x130d y49b6 wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x130e y49b6 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fc ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited </td><td class=\"c n x12fa y49b7 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y49b7 wb2d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Jersey<span class=\"_ _311\"> </span></div></td><td class=\"c n x130f y49b7 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y49fd ff4 fs3 fc5 sc0 ls1 ws0\">(Jersey)<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y49d5 wa65 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB India Private Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1310 y49d5 wb2e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Back office processing<span class=\"_ _311\"> </span></div></td><td class=\"c n x1311 y49d5 w254 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x1312 y49d5 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y49bc wa55 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Pres<span class=\"_ _4\"></span>tige Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1313 y49bc wb2f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator<span class=\"_ _311\"> </span></div></td><td class=\"c n x1301 y49bc wb26 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1302 y49bc w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 x1300 h16 y49fe ff4 fs3 fc5 sc0 ls1 ws0\">and servicer<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y49ff ff4 fs3 fc5 sc0 ls1 ws0\">Reliance Property L<span class=\"_ _4\"></span>oans </td><td class=\"c n x12fa y4370 wa53 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fd y4370 wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x12fe y4370 w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4a00 ff4 fs3 fc5 sc0 ls1 ws0\">Limited<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b wb31 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">WSE Bourton Road Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1317 y426b wb32 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">L<span class=\"_ _4\"></span>and lease inves<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x1318 y426b wb33 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">OSB House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1319 y426b w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wb30 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Roches<span class=\"_ _4\"></span>ter Mortgages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1314 y426d wa58 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td><td class=\"c n x1315 y426d wb0c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Reliance House<span class=\"_ _311\"> </span></div></td><td class=\"c n x1316 y426d w763 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">100%<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs796\">All inv<span class=\"_ _4\"></span>estments ar<span class=\"_ _4\"></span>e in the ordinary share capital o<span class=\"_ _4\"></span>f each subsidiary. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs797\">OSB India Private Limit<span class=\"_ _4\"></span>ed is owned 7<span class=\"_ _4\"></span>0<span class=\"_ _4\"></span>.28% by OneSavings Bank plc, 29<span class=\"_ _3\"></span>.72% by E<span class=\"_ _4\"></span>asioption </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs798\">Limited and 0<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>001% by Reliance Property Loans Limited. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs799\">SPV<span class=\"_ _4\"></span>s which the Group controls ar<span class=\"_ _4\"></span>e treated as subsidiaries for accoun<span class=\"_ _4\"></span>ting purposes. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79a\">All of the entities lis<span class=\"_ _4\"></span>ted abov<span class=\"_ _4\"></span>e have been consolidated int<span class=\"_ _4\"></span>o the Group\u2019<span class=\"_ _1\"></span>s consolidated financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79b\">st<span class=\"_ _4\"></span>atements<span class=\"_ _4\"></span>. The location of the entities list<span class=\"_ _4\"></span>ed above ar<span class=\"_ _4\"></span>e disclosed in note 48 to the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79c\">consolidated financial s<span class=\"_ _4\"></span>tatements<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79d\">The inv<span class=\"_ _4\"></span>estment is re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed annually for indicators o<span class=\"_ _4\"></span>f impairment. If impairment indicator<span class=\"_ _4\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79e\">are identified an impairmen<span class=\"_ _4\"></span>t revie<span class=\"_ _4\"></span>w of the inves<span class=\"_ _4\"></span>tment is conducted which will quan<span class=\"_ _4\"></span>tify if </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs79f\">the carrying value is in e<span class=\"_ _4\"></span>xcess of the recov<span class=\"_ _4\"></span>erable amount or an impairmen<span class=\"_ _4\"></span>t has occurred. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a0\">In determining reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t, the fair value less costs t<span class=\"_ _4\"></span>o sell and the value in use are </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a1\">assessed, with the value in use being an es<span class=\"_ _4\"></span>timate of the present v<span class=\"_ _4\"></span>alue of future cash flo<span class=\"_ _4\"></span>ws </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a2\">generate<span class=\"_ _4\"></span>d by the inves<span class=\"_ _4\"></span>tment. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a3\">The follo<span class=\"_ _4\"></span>wing are the regis<span class=\"_ _4\"></span>tered offices of the subsidiaries:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a4\">Charter Cour<span class=\"_ _0\"></span>t \u2013 2 Charter Court, Broadlands<span class=\"_ _4\"></span>, W<span class=\"_ _4\"></span>olverhampton, WV10 6TD<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a5\">Churchill Place \u2013 5 Churchill Place<span class=\"_ _4\"></span>, 10th Floor<span class=\"_ _4\"></span>, London, E14 5HU </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a6\">Guernsey \u2013 1st Floor<span class=\"_ _1\"></span>, T<span class=\"_ _1\"></span>udor House, Le Bor<span class=\"_ _4\"></span>dage, St Peter Port, Guernsey, G<span class=\"_ _1\"></span>Y1 1DB<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs7a7\">India \u2013 Salarpuria Magnificia No. 7<span class=\"_ _4\"></span>8, 9th &amp; 10th floor<span class=\"_ _1\"></span>, Old Madras Road, Bangalore<span class=\"_ _4\"></span>, India, 560016<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a8\">Jersey \u2013 2<span class=\"_ _4\"></span>6 New Str<span class=\"_ _4\"></span>eet, St Helier<span class=\"_ _4\"></span>, Jersey, JE2 3RA<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7a9\">OSB House \u2013 Quayside<span class=\"_ _4\"></span>, Chatham Maritime, Chatham, England, ME4 4Q<span class=\"_ _4\"></span>Z<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs7aa\">Reliance House \u2013 Reliance House<span class=\"_ _4\"></span>, Sun Pier<span class=\"_ _4\"></span>, Chatham, Ken<span class=\"_ _4\"></span>t, ME4 4ET</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-404": {
   "value": "d) <span class=\"_ _182\"> </span>Foreign c<span class=\"_ _0\"></span>urrency trans<span class=\"_ _0\"></span>lation<span class=\"_ _311\"> </span>The financial st<span class=\"_ _4\"></span>atements of each o<span class=\"_ _4\"></span>f the Company\u2019<span class=\"_ _4\"></span>s subsidiaries are measure<span class=\"_ _4\"></span>d using the currency of the primary economic en<span class=\"_ _4\"></span>vironment in which the subsidiary operat<span class=\"_ _4\"></span>es (the functional currency). Foreign curr<span class=\"_ _4\"></span>ency transactions are tr<span class=\"_ _4\"></span>anslated into the functional curr<span class=\"_ _4\"></span>encies using the ex<span class=\"_ _4\"></span>change rates pre<span class=\"_ _4\"></span>vailing at the date of the transac<span class=\"_ _4\"></span>tions. Monetary items denominate<span class=\"_ _4\"></span>d in foreign curr<span class=\"_ _4\"></span>encies are retranslat<span class=\"_ _4\"></span>ed at the rate pre<span class=\"_ _4\"></span>vailing at the period end.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-405": {
   "value": "e<span class=\"_ _4\"></span>) <span class=\"_ _10\"> </span>S<span class=\"_ _0\"></span>egmental r<span class=\"_ _0\"></span>eportin<span class=\"_ _0\"></span>g<span class=\"_ _311\"> </span>IFRS 8 requir<span class=\"_ _4\"></span>es operating segment<span class=\"_ _4\"></span>s to be identified on the basis of int<span class=\"_ _4\"></span>ernal reports and components of the Gr<span class=\"_ _4\"></span>oup which are regularly re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed by the chief operating decision mak<span class=\"_ _1\"></span>er to allocate r<span class=\"_ _4\"></span>esources to segments and to assess their performance<span class=\"_ _4\"></span>. For this purpose, the chief operating decision mak<span class=\"_ _1\"></span>er of the Group is the Board o<span class=\"_ _4\"></span>f Directors<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group pro<span class=\"_ _4\"></span>vides loans and asset finance within the UK and the Channel Islands only.<span class=\"_ _311\"> </span>The Group segment<span class=\"_ _4\"></span>s its lending business and operates under tw<span class=\"_ _4\"></span>o segments: \u2022 <span class=\"_ _26\"> </span>OneSavings Bank (OSB)<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>Char<span class=\"_ _0\"></span>ter Court Financial Services (CCFS)<span class=\"_ _311\"> </span>The Group has disclosed rele<span class=\"_ _4\"></span>vant risk management t<span class=\"_ _4\"></span>ables in note 44 at a sub-segment lev<span class=\"_ _4\"></span>el to provide de<span class=\"_ _4\"></span>tailed analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s core lending business<span class=\"_ _4\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "The Group pro<span class=\"_ _4\"></span>vides loans and asset finance within the UK and the Channel Islands only.<span class=\"_ _311\"> </span>The Group segment<span class=\"_ _4\"></span>s its lending business and operates under tw<span class=\"_ _4\"></span>o segments: \u2022 <span class=\"_ _26\"> </span>OneSavings Bank (OSB)<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>Char<span class=\"_ _0\"></span>ter Court Financial Services (CCFS)<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-406": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs93\">f<span class=\"_ _0\"></span>) <span class=\"_ _11\"> </span>Interest income a<span class=\"_ _4\"></span>nd expense<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs94\">Inter<span class=\"_ _4\"></span>est income and inter<span class=\"_ _4\"></span>est expense for all in<span class=\"_ _4\"></span>terest-be<span class=\"_ _4\"></span>aring financial instruments measur<span class=\"_ _4\"></span>ed at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs95\">amortised cost and FV<span class=\"_ _4\"></span>OCI are recognised in pro<span class=\"_ _4\"></span>fit or loss using the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate (EIR) </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs96\">method. The EIR is the rat<span class=\"_ _4\"></span>e which discounts the expected futur<span class=\"_ _4\"></span>e cash flows<span class=\"_ _4\"></span>, over the e<span class=\"_ _4\"></span>xpected </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs97\">life of the financial ins<span class=\"_ _4\"></span>trument, to the net carrying value o<span class=\"_ _4\"></span>f the financial asset or liability. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs98\">Inter<span class=\"_ _4\"></span>est income on financial assets categorise<span class=\"_ _4\"></span>d as stage 1 or 2 are r<span class=\"_ _4\"></span>ecognised on a gross basis, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs99\">with inter<span class=\"_ _4\"></span>est income on st<span class=\"_ _4\"></span>age 3 assets recognised net of e<span class=\"_ _4\"></span>xpected credit losses (ECL). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs9a\">For purchased or cre<span class=\"_ _4\"></span>dit-impaired assets (see note 1 n) vii.<span class=\"_ _3\"></span>), interes<span class=\"_ _4\"></span>t income is calculated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs9b\">by applying the credit-adjus<span class=\"_ _4\"></span>ted EIR to the amortised cost of the asset. The c<span class=\"_ _4\"></span>alculation of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs9c\">inter<span class=\"_ _4\"></span>est<span class=\"_ gs27\"> </span>income does not rev<span class=\"_ _4\"></span>ert to a gross basis ev<span class=\"_ _4\"></span>en if the credit risk of the asset impro<span class=\"_ _4\"></span>ves. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs9d\">See<span class=\"_ gs27\"> </span>note 1 n) ii. for further information on IFRS 9 s<span class=\"_ _4\"></span>tage classifications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs9e\">When calculating the EIR, the Group es<span class=\"_ _4\"></span>timates cash flo<span class=\"_ _4\"></span>ws considering all contractual terms o<span class=\"_ _4\"></span>f </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs9f\">the instrumen<span class=\"_ _4\"></span>t and behavioural aspects (for e<span class=\"_ _4\"></span>xample, prepaymen<span class=\"_ _4\"></span>t options) but not considering </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa0\">future credit losses<span class=\"_ _4\"></span>. The calculation of the EIR includes tr<span class=\"_ _4\"></span>ansaction costs and fees paid or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa1\">receive<span class=\"_ _4\"></span>d that are an integr<span class=\"_ _4\"></span>al par<span class=\"_ _0\"></span>t o<span class=\"_ _4\"></span>f the interes<span class=\"_ _4\"></span>t rate, t<span class=\"_ _4\"></span>ogether with the discounts or premiums </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa2\">arising on the acquisition of loan portfolios<span class=\"_ _4\"></span>. T<span class=\"_ _4\"></span>ransaction cos<span class=\"_ _4\"></span>ts include incremental cos<span class=\"_ _4\"></span>ts that </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa3\">are directly attribut<span class=\"_ _4\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa4\">The Group monitor<span class=\"_ _4\"></span>s the actual cash flows f<span class=\"_ _4\"></span>or each por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olio and resets cash flow<span class=\"_ _4\"></span>s on a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa5\">monthly basis<span class=\"_ _4\"></span>, discounted at the EIR to deriv<span class=\"_ _4\"></span>e a new carrying value<span class=\"_ _4\"></span>, with changes tak<span class=\"_ _4\"></span>en to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa6\">profit or loss as in<span class=\"_ _4\"></span>terest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa7\">The EIR is adjust<span class=\"_ _4\"></span>ed where there is a mov<span class=\"_ _4\"></span>ement in the ref<span class=\"_ _4\"></span>erence interes<span class=\"_ _4\"></span>t rate (SONIA, syn<span class=\"_ _4\"></span>thetic </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa8\">LIBOR or base rat<span class=\"_ _4\"></span>e) af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ecting por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olios with a variable interes<span class=\"_ _4\"></span>t rate which will impact futur<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsa9\">cash flow<span class=\"_ _4\"></span>s. The re<span class=\"_ _4\"></span>vised EIR is the rate which ex<span class=\"_ _4\"></span>actly discounts the re<span class=\"_ _4\"></span>vised cash flows t<span class=\"_ _4\"></span>o the net </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsaa\">carrying value of the lo<span class=\"_ _4\"></span>an por<span class=\"_ _0\"></span>tfolio<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsab\">Inter<span class=\"_ _4\"></span>est income on inv<span class=\"_ _4\"></span>estment securities is included in int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>eceivable and similar income. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsac\">Inter<span class=\"_ _4\"></span>est on derivativ<span class=\"_ _4\"></span>es is included in interes<span class=\"_ _4\"></span>t receivable and similar income or inter<span class=\"_ _4\"></span>est expense </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsad\">and similar charges f<span class=\"_ _4\"></span>ollowing the underlying instrumen<span class=\"_ _4\"></span>t it is hedging.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsae\">Coupons paid on A<span class=\"_ _1\"></span>T1 securities are recognised directly in equity in the period in which they </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsaf\">are<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-514": {
   "value": "f<span class=\"_ _0\"></span>) <span class=\"_ _11\"> </span>Interest income a<span class=\"_ _4\"></span>nd expense<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income and inter<span class=\"_ _4\"></span>est expense for all in<span class=\"_ _4\"></span>terest-be<span class=\"_ _4\"></span>aring financial instruments measur<span class=\"_ _4\"></span>ed at amortised cost and FV<span class=\"_ _4\"></span>OCI are recognised in pro<span class=\"_ _4\"></span>fit or loss using the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate (EIR) method. The EIR is the rat<span class=\"_ _4\"></span>e which discounts the expected futur<span class=\"_ _4\"></span>e cash flows<span class=\"_ _4\"></span>, over the e<span class=\"_ _4\"></span>xpected life of the financial ins<span class=\"_ _4\"></span>trument, to the net carrying value o<span class=\"_ _4\"></span>f the financial asset or liability. Inter<span class=\"_ _4\"></span>est income on financial assets categorise<span class=\"_ _4\"></span>d as stage 1 or 2 are r<span class=\"_ _4\"></span>ecognised on a gross basis, with inter<span class=\"_ _4\"></span>est income on st<span class=\"_ _4\"></span>age 3 assets recognised net of e<span class=\"_ _4\"></span>xpected credit losses (ECL). For purchased or cre<span class=\"_ _4\"></span>dit-impaired assets (see note 1 n) vii.<span class=\"_ _3\"></span>), interes<span class=\"_ _4\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _4\"></span>ted EIR to the amortised cost of the asset. The c<span class=\"_ _4\"></span>alculation of inter<span class=\"_ _4\"></span>est<span class=\"_ gs27\"> </span>income does not rev<span class=\"_ _4\"></span>ert to a gross basis ev<span class=\"_ _4\"></span>en if the credit risk of the asset impro<span class=\"_ _4\"></span>ves. See<span class=\"_ gs27\"> </span>note 1 n) ii. for further information on IFRS 9 s<span class=\"_ _4\"></span>tage classifications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When calculating the EIR, the Group es<span class=\"_ _4\"></span>timates cash flo<span class=\"_ _4\"></span>ws considering all contractual terms o<span class=\"_ _4\"></span>f the instrumen<span class=\"_ _4\"></span>t and behavioural aspects (for e<span class=\"_ _4\"></span>xample, prepaymen<span class=\"_ _4\"></span>t options) but not considering future credit losses<span class=\"_ _4\"></span>. The calculation of the EIR includes tr<span class=\"_ _4\"></span>ansaction costs and fees paid or receive<span class=\"_ _4\"></span>d that are an integr<span class=\"_ _4\"></span>al par<span class=\"_ _0\"></span>t o<span class=\"_ _4\"></span>f the interes<span class=\"_ _4\"></span>t rate, t<span class=\"_ _4\"></span>ogether with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _4\"></span>. T<span class=\"_ _4\"></span>ransaction cos<span class=\"_ _4\"></span>ts include incremental cos<span class=\"_ _4\"></span>ts that are directly attribut<span class=\"_ _4\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>The Group monitor<span class=\"_ _4\"></span>s the actual cash flows f<span class=\"_ _4\"></span>or each por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olio and resets cash flow<span class=\"_ _4\"></span>s on a monthly basis<span class=\"_ _4\"></span>, discounted at the EIR to deriv<span class=\"_ _4\"></span>e a new carrying value<span class=\"_ _4\"></span>, with changes tak<span class=\"_ _4\"></span>en to profit or loss as in<span class=\"_ _4\"></span>terest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The EIR is adjust<span class=\"_ _4\"></span>ed where there is a mov<span class=\"_ _4\"></span>ement in the ref<span class=\"_ _4\"></span>erence interes<span class=\"_ _4\"></span>t rate (SONIA, syn<span class=\"_ _4\"></span>thetic LIBOR or base rat<span class=\"_ _4\"></span>e) af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ecting por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olios with a variable interes<span class=\"_ _4\"></span>t rate which will impact futur<span class=\"_ _4\"></span>e cash flow<span class=\"_ _4\"></span>s. The re<span class=\"_ _4\"></span>vised EIR is the rate which ex<span class=\"_ _4\"></span>actly discounts the re<span class=\"_ _4\"></span>vised cash flows t<span class=\"_ _4\"></span>o the net carrying value of the lo<span class=\"_ _4\"></span>an por<span class=\"_ _0\"></span>tfolio<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income on inv<span class=\"_ _4\"></span>estment securities is included in int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>eceivable and similar income. Inter<span class=\"_ _4\"></span>est on derivativ<span class=\"_ _4\"></span>es is included in interes<span class=\"_ _4\"></span>t receivable and similar income or inter<span class=\"_ _4\"></span>est expense and similar charges f<span class=\"_ _4\"></span>ollowing the underlying instrumen<span class=\"_ _4\"></span>t it is hedging.<span class=\"_ _311\"> </span>Coupons paid on A<span class=\"_ _1\"></span>T1 securities are recognised directly in equity in the period in which they are<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span>g)<span class=\"_ _12\"> </span>Fees an<span class=\"_ _0\"></span>d commission<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Fees and commissions which are an inte<span class=\"_ _4\"></span>gral part of the EIR of a financial instrumen<span class=\"_ _4\"></span>t are<span class=\"_ _311\"> </span>recognised as an adjus<span class=\"_ _4\"></span>tment to the EIR and recor<span class=\"_ _4\"></span>ded in interes<span class=\"_ _4\"></span>t income. The Group includes<span class=\"_ _311\"> </span>early redemption char<span class=\"_ _4\"></span>ges within the EIR.<span class=\"_ _311\"> </span>Fees received on mortgage adminis<span class=\"_ _4\"></span>tration services and mortgage origination activities, which are not an int<span class=\"_ _4\"></span>egral part of the EIR, are r<span class=\"_ _4\"></span>ecorded in other operating income and account<span class=\"_ _4\"></span>ed for in accordance with IFRS 15 R<span class=\"_ _4\"></span>evenue fr<span class=\"_ _4\"></span>om Contracts with Cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>, with income recognised when the services are delivered and the bene<span class=\"_ _4\"></span>fits are transf<span class=\"_ _4\"></span>erred to clients and cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Other fees and commissions are r<span class=\"_ _4\"></span>ecognised on the accrual basis as ser<span class=\"_ _0\"></span>vices are pr<span class=\"_ _4\"></span>ovided or on the performance of a significant act, net o<span class=\"_ _4\"></span>f V<span class=\"_ _4\"></span>A<span class=\"_ _1\"></span>T and similar taxes.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-497": {
   "value": "f<span class=\"_ _0\"></span>) <span class=\"_ _11\"> </span>Interest income a<span class=\"_ _4\"></span>nd expense<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income and inter<span class=\"_ _4\"></span>est expense for all in<span class=\"_ _4\"></span>terest-be<span class=\"_ _4\"></span>aring financial instruments measur<span class=\"_ _4\"></span>ed at amortised cost and FV<span class=\"_ _4\"></span>OCI are recognised in pro<span class=\"_ _4\"></span>fit or loss using the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate (EIR) method. The EIR is the rat<span class=\"_ _4\"></span>e which discounts the expected futur<span class=\"_ _4\"></span>e cash flows<span class=\"_ _4\"></span>, over the e<span class=\"_ _4\"></span>xpected life of the financial ins<span class=\"_ _4\"></span>trument, to the net carrying value o<span class=\"_ _4\"></span>f the financial asset or liability. Inter<span class=\"_ _4\"></span>est income on financial assets categorise<span class=\"_ _4\"></span>d as stage 1 or 2 are r<span class=\"_ _4\"></span>ecognised on a gross basis, with inter<span class=\"_ _4\"></span>est income on st<span class=\"_ _4\"></span>age 3 assets recognised net of e<span class=\"_ _4\"></span>xpected credit losses (ECL). For purchased or cre<span class=\"_ _4\"></span>dit-impaired assets (see note 1 n) vii.<span class=\"_ _3\"></span>), interes<span class=\"_ _4\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _4\"></span>ted EIR to the amortised cost of the asset. The c<span class=\"_ _4\"></span>alculation of inter<span class=\"_ _4\"></span>est<span class=\"_ gs27\"> </span>income does not rev<span class=\"_ _4\"></span>ert to a gross basis ev<span class=\"_ _4\"></span>en if the credit risk of the asset impro<span class=\"_ _4\"></span>ves. See<span class=\"_ gs27\"> </span>note 1 n) ii. for further information on IFRS 9 s<span class=\"_ _4\"></span>tage classifications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When calculating the EIR, the Group es<span class=\"_ _4\"></span>timates cash flo<span class=\"_ _4\"></span>ws considering all contractual terms o<span class=\"_ _4\"></span>f the instrumen<span class=\"_ _4\"></span>t and behavioural aspects (for e<span class=\"_ _4\"></span>xample, prepaymen<span class=\"_ _4\"></span>t options) but not considering future credit losses<span class=\"_ _4\"></span>. The calculation of the EIR includes tr<span class=\"_ _4\"></span>ansaction costs and fees paid or receive<span class=\"_ _4\"></span>d that are an integr<span class=\"_ _4\"></span>al par<span class=\"_ _0\"></span>t o<span class=\"_ _4\"></span>f the interes<span class=\"_ _4\"></span>t rate, t<span class=\"_ _4\"></span>ogether with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _4\"></span>. T<span class=\"_ _4\"></span>ransaction cos<span class=\"_ _4\"></span>ts include incremental cos<span class=\"_ _4\"></span>ts that are directly attribut<span class=\"_ _4\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>The Group monitor<span class=\"_ _4\"></span>s the actual cash flows f<span class=\"_ _4\"></span>or each por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olio and resets cash flow<span class=\"_ _4\"></span>s on a monthly basis<span class=\"_ _4\"></span>, discounted at the EIR to deriv<span class=\"_ _4\"></span>e a new carrying value<span class=\"_ _4\"></span>, with changes tak<span class=\"_ _4\"></span>en to profit or loss as in<span class=\"_ _4\"></span>terest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The EIR is adjust<span class=\"_ _4\"></span>ed where there is a mov<span class=\"_ _4\"></span>ement in the ref<span class=\"_ _4\"></span>erence interes<span class=\"_ _4\"></span>t rate (SONIA, syn<span class=\"_ _4\"></span>thetic LIBOR or base rat<span class=\"_ _4\"></span>e) af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ecting por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olios with a variable interes<span class=\"_ _4\"></span>t rate which will impact futur<span class=\"_ _4\"></span>e cash flow<span class=\"_ _4\"></span>s. The re<span class=\"_ _4\"></span>vised EIR is the rate which ex<span class=\"_ _4\"></span>actly discounts the re<span class=\"_ _4\"></span>vised cash flows t<span class=\"_ _4\"></span>o the net carrying value of the lo<span class=\"_ _4\"></span>an por<span class=\"_ _0\"></span>tfolio<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income on inv<span class=\"_ _4\"></span>estment securities is included in int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>eceivable and similar income. Inter<span class=\"_ _4\"></span>est on derivativ<span class=\"_ _4\"></span>es is included in interes<span class=\"_ _4\"></span>t receivable and similar income or inter<span class=\"_ _4\"></span>est expense and similar charges f<span class=\"_ _4\"></span>ollowing the underlying instrumen<span class=\"_ _4\"></span>t it is hedging.<span class=\"_ _311\"> </span>Coupons paid on A<span class=\"_ _1\"></span>T1 securities are recognised directly in equity in the period in which they are<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "f<span class=\"_ _0\"></span>) <span class=\"_ _11\"> </span>Interest income a<span class=\"_ _4\"></span>nd expense<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income and inter<span class=\"_ _4\"></span>est expense for all in<span class=\"_ _4\"></span>terest-be<span class=\"_ _4\"></span>aring financial instruments measur<span class=\"_ _4\"></span>ed at amortised cost and FV<span class=\"_ _4\"></span>OCI are recognised in pro<span class=\"_ _4\"></span>fit or loss using the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate (EIR) method. The EIR is the rat<span class=\"_ _4\"></span>e which discounts the expected futur<span class=\"_ _4\"></span>e cash flows<span class=\"_ _4\"></span>, over the e<span class=\"_ _4\"></span>xpected life of the financial ins<span class=\"_ _4\"></span>trument, to the net carrying value o<span class=\"_ _4\"></span>f the financial asset or liability. Inter<span class=\"_ _4\"></span>est income on financial assets categorise<span class=\"_ _4\"></span>d as stage 1 or 2 are r<span class=\"_ _4\"></span>ecognised on a gross basis, with inter<span class=\"_ _4\"></span>est income on st<span class=\"_ _4\"></span>age 3 assets recognised net of e<span class=\"_ _4\"></span>xpected credit losses (ECL). For purchased or cre<span class=\"_ _4\"></span>dit-impaired assets (see note 1 n) vii.<span class=\"_ _3\"></span>), interes<span class=\"_ _4\"></span>t income is calculated by applying the credit-adjus<span class=\"_ _4\"></span>ted EIR to the amortised cost of the asset. The c<span class=\"_ _4\"></span>alculation of inter<span class=\"_ _4\"></span>est<span class=\"_ gs27\"> </span>income does not rev<span class=\"_ _4\"></span>ert to a gross basis ev<span class=\"_ _4\"></span>en if the credit risk of the asset impro<span class=\"_ _4\"></span>ves. See<span class=\"_ gs27\"> </span>note 1 n) ii. for further information on IFRS 9 s<span class=\"_ _4\"></span>tage classifications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When calculating the EIR, the Group es<span class=\"_ _4\"></span>timates cash flo<span class=\"_ _4\"></span>ws considering all contractual terms o<span class=\"_ _4\"></span>f the instrumen<span class=\"_ _4\"></span>t and behavioural aspects (for e<span class=\"_ _4\"></span>xample, prepaymen<span class=\"_ _4\"></span>t options) but not considering future credit losses<span class=\"_ _4\"></span>. The calculation of the EIR includes tr<span class=\"_ _4\"></span>ansaction costs and fees paid or receive<span class=\"_ _4\"></span>d that are an integr<span class=\"_ _4\"></span>al par<span class=\"_ _0\"></span>t o<span class=\"_ _4\"></span>f the interes<span class=\"_ _4\"></span>t rate, t<span class=\"_ _4\"></span>ogether with the discounts or premiums arising on the acquisition of loan portfolios<span class=\"_ _4\"></span>. T<span class=\"_ _4\"></span>ransaction cos<span class=\"_ _4\"></span>ts include incremental cos<span class=\"_ _4\"></span>ts that are directly attribut<span class=\"_ _4\"></span>able to the acquisition or issue of a financial instrumen<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>The Group monitor<span class=\"_ _4\"></span>s the actual cash flows f<span class=\"_ _4\"></span>or each por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olio and resets cash flow<span class=\"_ _4\"></span>s on a monthly basis<span class=\"_ _4\"></span>, discounted at the EIR to deriv<span class=\"_ _4\"></span>e a new carrying value<span class=\"_ _4\"></span>, with changes tak<span class=\"_ _4\"></span>en to profit or loss as in<span class=\"_ _4\"></span>terest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The EIR is adjust<span class=\"_ _4\"></span>ed where there is a mov<span class=\"_ _4\"></span>ement in the ref<span class=\"_ _4\"></span>erence interes<span class=\"_ _4\"></span>t rate (SONIA, syn<span class=\"_ _4\"></span>thetic LIBOR or base rat<span class=\"_ _4\"></span>e) af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ecting por<span class=\"_ _0\"></span>tf<span class=\"_ _4\"></span>olios with a variable interes<span class=\"_ _4\"></span>t rate which will impact futur<span class=\"_ _4\"></span>e cash flow<span class=\"_ _4\"></span>s. The re<span class=\"_ _4\"></span>vised EIR is the rate which ex<span class=\"_ _4\"></span>actly discounts the re<span class=\"_ _4\"></span>vised cash flows t<span class=\"_ _4\"></span>o the net carrying value of the lo<span class=\"_ _4\"></span>an por<span class=\"_ _0\"></span>tfolio<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est income on inv<span class=\"_ _4\"></span>estment securities is included in int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>eceivable and similar income. Inter<span class=\"_ _4\"></span>est on derivativ<span class=\"_ _4\"></span>es is included in interes<span class=\"_ _4\"></span>t receivable and similar income or inter<span class=\"_ _4\"></span>est expense and similar charges f<span class=\"_ _4\"></span>ollowing the underlying instrumen<span class=\"_ _4\"></span>t it is hedging.<span class=\"_ _311\"> </span>Coupons paid on A<span class=\"_ _1\"></span>T1 securities are recognised directly in equity in the period in which they are<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-409": {
   "value": "g)<span class=\"_ _12\"> </span>Fees an<span class=\"_ _0\"></span>d commission<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Fees and commissions which are an inte<span class=\"_ _4\"></span>gral part of the EIR of a financial instrumen<span class=\"_ _4\"></span>t are<span class=\"_ _311\"> </span>recognised as an adjus<span class=\"_ _4\"></span>tment to the EIR and recor<span class=\"_ _4\"></span>ded in interes<span class=\"_ _4\"></span>t income. The Group includes<span class=\"_ _311\"> </span>early redemption char<span class=\"_ _4\"></span>ges within the EIR.<span class=\"_ _311\"> </span>Fees received on mortgage adminis<span class=\"_ _4\"></span>tration services and mortgage origination activities, which are not an int<span class=\"_ _4\"></span>egral part of the EIR, are r<span class=\"_ _4\"></span>ecorded in other operating income and account<span class=\"_ _4\"></span>ed for in accordance with IFRS 15 R<span class=\"_ _4\"></span>evenue fr<span class=\"_ _4\"></span>om Contracts with Cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>, with income recognised when the services are delivered and the bene<span class=\"_ _4\"></span>fits are transf<span class=\"_ _4\"></span>erred to clients and cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Other fees and commissions are r<span class=\"_ _4\"></span>ecognised on the accrual basis as ser<span class=\"_ _0\"></span>vices are pr<span class=\"_ _4\"></span>ovided or on the performance of a significant act, net o<span class=\"_ _4\"></span>f V<span class=\"_ _4\"></span>A<span class=\"_ _1\"></span>T and similar taxes.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-410": {
   "value": "h<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Inte<span class=\"_ _0\"></span>gration cost<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Integr<span class=\"_ _4\"></span>ation costs ar<span class=\"_ _4\"></span>e items of income or expense arising from the mer<span class=\"_ _4\"></span>ger of OSB and CCFS<span class=\"_ _311\"> </span>(the Combination) that do not relate to the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s core operating activities<span class=\"_ _4\"></span>, are not expect<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span>to recur and ar<span class=\"_ _4\"></span>e material in the context of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s performance. These cos<span class=\"_ _4\"></span>ts are disclosed<span class=\"_ _311\"> </span>separately within the Consolidat<span class=\"_ _4\"></span>ed Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the Notes to the<span class=\"_ _311\"> </span>Consolidated Financial Stat<span class=\"_ _4\"></span>ements.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExceptionalItemsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "i) T<span class=\"_ _4\"></span>axation<span class=\"_ _311\"> </span>Income tax comprises current and de<span class=\"_ _4\"></span>ferred tax<span class=\"_ _4\"></span>. It is recognised in profit or loss<span class=\"_ _4\"></span>, other<span class=\"_ _311\"> </span>comprehensive income (<span class=\"_ _4\"></span>OCI) or directly in equity, consisten<span class=\"_ _4\"></span>t with the recognition of items it<span class=\"_ _311\"> </span>relates to<span class=\"_ _4\"></span>. The Group recognises tax on coupons paid on A<span class=\"_ _1\"></span>T1 securities directly in pro<span class=\"_ _4\"></span>fit or loss.<span class=\"_ _311\"> </span>Deferre<span class=\"_ _4\"></span>d tax assets are recognised only t<span class=\"_ _4\"></span>o the extent that it is pr<span class=\"_ _4\"></span>obable that future taxable profit<span class=\"_ _4\"></span>s will be available to utilise the asset. The recognition of de<span class=\"_ _4\"></span>ferred tax asset is mainly dependent on the projections o<span class=\"_ _4\"></span>f future taxable pr<span class=\"_ _4\"></span>ofits and future re<span class=\"_ _4\"></span>versals o<span class=\"_ _4\"></span>f temporary differences. The curr<span class=\"_ _4\"></span>ent projections of futur<span class=\"_ _4\"></span>e taxable income indicate that the Group will be able to utilise its def<span class=\"_ _4\"></span>erred tax asset within the for<span class=\"_ _4\"></span>eseeable future.<span class=\"_ _311\"> </span>Deferre<span class=\"_ _4\"></span>d tax liabilities are recognised for all t<span class=\"_ _4\"></span>axable temporary differences<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Company and its tax<span class=\"_ _4\"></span>-paying UK subsidiaries are in a group payment arr<span class=\"_ _4\"></span>angement for corporation tax and sho<span class=\"_ _4\"></span>w a net corporation tax liability and de<span class=\"_ _4\"></span>ferred tax liability accor<span class=\"_ _4\"></span>dingly. The Company and its UK subsidiaries are in the same V<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>T group.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-407": {
   "value": "i) T<span class=\"_ _4\"></span>axation<span class=\"_ _311\"> </span>Income tax comprises current and de<span class=\"_ _4\"></span>ferred tax<span class=\"_ _4\"></span>. It is recognised in profit or loss<span class=\"_ _4\"></span>, other<span class=\"_ _311\"> </span>comprehensive income (<span class=\"_ _4\"></span>OCI) or directly in equity, consisten<span class=\"_ _4\"></span>t with the recognition of items it<span class=\"_ _311\"> </span>relates to<span class=\"_ _4\"></span>. The Group recognises tax on coupons paid on A<span class=\"_ _1\"></span>T1 securities directly in pro<span class=\"_ _4\"></span>fit or loss.<span class=\"_ _311\"> </span>Deferre<span class=\"_ _4\"></span>d tax assets are recognised only t<span class=\"_ _4\"></span>o the extent that it is pr<span class=\"_ _4\"></span>obable that future taxable profit<span class=\"_ _4\"></span>s will be available to utilise the asset. The recognition of de<span class=\"_ _4\"></span>ferred tax asset is mainly dependent on the projections o<span class=\"_ _4\"></span>f future taxable pr<span class=\"_ _4\"></span>ofits and future re<span class=\"_ _4\"></span>versals o<span class=\"_ _4\"></span>f temporary differences. The curr<span class=\"_ _4\"></span>ent projections of futur<span class=\"_ _4\"></span>e taxable income indicate that the Group will be able to utilise its def<span class=\"_ _4\"></span>erred tax asset within the for<span class=\"_ _4\"></span>eseeable future.<span class=\"_ _311\"> </span>Deferre<span class=\"_ _4\"></span>d tax liabilities are recognised for all t<span class=\"_ _4\"></span>axable temporary differences<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Company and its tax<span class=\"_ _4\"></span>-paying UK subsidiaries are in a group payment arr<span class=\"_ _4\"></span>angement for corporation tax and sho<span class=\"_ _4\"></span>w a net corporation tax liability and de<span class=\"_ _4\"></span>ferred tax liability accor<span class=\"_ _4\"></span>dingly. The Company and its UK subsidiaries are in the same V<span class=\"_ _1\"></span>A<span class=\"_ _1\"></span>T group.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-411": {
   "value": "j) D<span class=\"_ _0\"></span>ividen<span class=\"_ _0\"></span>ds<span class=\"_ _311\"> </span>Dividends are recognise<span class=\"_ _4\"></span>d in equity in the period in which they are paid or<span class=\"_ _1\"></span>, if earlier<span class=\"_ _4\"></span>, approv<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span>by shareholder<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-523": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gsd2\">k)<span class=\"_ _32\"> </span>Cas<span class=\"_ _0\"></span>h and cash e<span class=\"_ _0\"></span>quivalents<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsd3\">For the purposes of the Consolidated St<span class=\"_ _4\"></span>atement of Cash Flo<span class=\"_ _4\"></span>ws, cash and cash equiv<span class=\"_ _4\"></span>alents<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsd4\">comprise cash, non-res<span class=\"_ _4\"></span>tricted balances with credit ins<span class=\"_ _4\"></span>titutions and highly liquid financial<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsd5\">assets with maturities of less than thr<span class=\"_ _4\"></span>ee months from date of acquisition, subject t<span class=\"_ _4\"></span>o an<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsd6\">insignificant risk of changes in their f<span class=\"_ _4\"></span>air value and are used by the Group in the managemen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsd7\">of its short-term commitments<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div>n<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Financi<span class=\"_ _0\"></span>al instruments<span class=\"_ _311\"> </span>i. Recognition<span class=\"_ _311\"> </span>The Group initially recognises lo<span class=\"_ _4\"></span>ans and advances, deposits<span class=\"_ _4\"></span>, debt securities issued and<span class=\"_ _311\"> </span>subordinate<span class=\"_ _4\"></span>d liabilities on the date on which they are originated or acquir<span class=\"_ _4\"></span>ed. All other financial<span class=\"_ _311\"> </span>instrumen<span class=\"_ _4\"></span>ts are accounted f<span class=\"_ _4\"></span>or on the trade date which is when the Group becomes a party to<span class=\"_ _311\"> </span>the contr<span class=\"_ _4\"></span>actual provisions of the ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span>For financial instrumen<span class=\"_ _4\"></span>ts classified as amortised cost or FV<span class=\"_ _4\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _4\"></span>alue plus transaction income or costs that ar<span class=\"_ _4\"></span>e directly attributable to it<span class=\"_ _4\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _4\"></span>truments classified as amortised cost are subsequen<span class=\"_ _4\"></span>tly measured using the EIR method. T<span class=\"_ _1\"></span>ransaction cost<span class=\"_ _4\"></span>s directly attributable to the acquisition or issue of a financial ins<span class=\"_ _4\"></span>trument at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> are recognised in pro<span class=\"_ _4\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _311\"> </span>The Group classifies financial ins<span class=\"_ _4\"></span>truments based on the business model and the contr<span class=\"_ _4\"></span>actual<span class=\"_ _311\"> </span>cash flow char<span class=\"_ _4\"></span>acteristics o<span class=\"_ _4\"></span>f the financial instruments<span class=\"_ _4\"></span>. In accordance with IFRS 9<span class=\"_ _3\"></span>, the Group<span class=\"_ _311\"> </span>classifies financial assets int<span class=\"_ _4\"></span>o one of three measurement c<span class=\"_ _4\"></span>ategories:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">Amortised c<span class=\"_ _0\"></span>ost</span> \u2013 assets in a business mo<span class=\"_ _4\"></span>del to hold financial assets in order to collect<span class=\"_ _311\"> </span>contr<span class=\"_ _4\"></span>actual cash flows<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial asset give rise on<span class=\"_ _311\"> </span>specified dates to cash flo<span class=\"_ _4\"></span>ws that are solely payment<span class=\"_ _4\"></span>s of principal and interes<span class=\"_ _4\"></span>t (SPPI) on the<span class=\"_ _311\"> </span>principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1 ls88 ws8d\">F<span class=\"_ _0\"></span>VO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span></span> \u2013 assets held in a business model which collects contr<span class=\"_ _4\"></span>actual cash flows and sells<span class=\"_ _311\"> </span>financial assets<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial assets give rise on specified<span class=\"_ _311\"> </span>dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">FV<span class=\"_ _0\"></span>TPL</span> \u2013 assets not me<span class=\"_ _4\"></span>asured at amortised cost or FV<span class=\"_ _4\"></span>OCI. The Group measures derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>an acquired mortgage portfolio and an inv<span class=\"_ _4\"></span>estment security under this cat<span class=\"_ _4\"></span>egory.<span class=\"_ _311\"> </span>The Group reassesses it<span class=\"_ _4\"></span>s business models each reporting period.<span class=\"_ _311\"> </span>The Group classifies non-derivativ<span class=\"_ _4\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _311\"> </span>The Group classifies certain financial instrumen<span class=\"_ _4\"></span>ts as equity where they meet the follo<span class=\"_ _4\"></span>wing<span class=\"_ _311\"> </span>conditions:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t includes no contractual obligation to deliv<span class=\"_ _4\"></span>er cash or another<span class=\"_ _311\"> </span>financial asset on potentially unf<span class=\"_ _4\"></span>avourable conditions;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t is a non-derivative that includes no contr<span class=\"_ _4\"></span>actual obligation for the<span class=\"_ _311\"> </span>issuer to deliver a v<span class=\"_ _4\"></span>ariable number of its own equity ins<span class=\"_ _4\"></span>truments; or<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ls74\">the financial instrumen<span class=\"_ _4\"></span>t is a derivative that will be settled only by the issuer e<span class=\"_ _4\"></span>xchanging a fixed<span class=\"_ _311\"> </span></span>amount of cash or another financial asse<span class=\"_ _4\"></span>t for a fixed number of its o<span class=\"_ _4\"></span>wn equity instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s sources of debt funding ar<span class=\"_ _4\"></span>e deposits from retail cus<span class=\"_ _4\"></span>tomers and cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, including collateralise<span class=\"_ _4\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _1\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _4\"></span>or SMEs (<span class=\"_ _0\"></span>TFSME), asset-back<span class=\"_ _1\"></span>ed loan notes issued through the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes, subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes. Cash receive<span class=\"_ _4\"></span>d under the TFSME is recorded in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to credit ins<span class=\"_ _4\"></span>titutions. Financial liabilities including the Sterling Perpetual Subor<span class=\"_ _4\"></span>dinated Bonds (PSBs) and Tier 2 instrumen<span class=\"_ _4\"></span>ts where the terms allo<span class=\"_ _4\"></span>w no absolute discretion ov<span class=\"_ _4\"></span>er the payment of inter<span class=\"_ _4\"></span>est. During the year equity financial ins<span class=\"_ _4\"></span>truments comprised own shar<span class=\"_ _4\"></span>es and A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities are designated as equity ins<span class=\"_ _4\"></span>truments and r<span class=\"_ _4\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _4\"></span>al costs directly attribut<span class=\"_ _4\"></span>able to the issuance of equity instrumen<span class=\"_ _4\"></span>ts. Accor<span class=\"_ _4\"></span>dingly, the coupons paid on A<span class=\"_ _4\"></span>T1 securities are recognised dir<span class=\"_ _4\"></span>ectly in retained earnings when paid.<span class=\"_ _311\"> </span>iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span>The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span>principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span>asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span>The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span>iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>v<span class=\"_ _4\"></span>.<span class=\"_ _18b\"> </span>Amortised cost me<span class=\"_ _0\"></span>asurement<span class=\"_ _311\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _4\"></span>t at which the financial<span class=\"_ _311\"> </span>asset or financial liability is measured at initial r<span class=\"_ _4\"></span>ecognition, less principal payments or receipts<span class=\"_ _4\"></span>,<span class=\"_ _311\"> </span>plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _4\"></span>een the<span class=\"_ _311\"> </span>initial amount recognise<span class=\"_ _4\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _4\"></span>t of<span class=\"_ _311\"> </span>assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span>orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span>in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using quoted mark<span class=\"_ _1\"></span>et prices where available. If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span>vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span>The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span>The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span>The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span>IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span>Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span>The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span>Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span>At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span>Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span>The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. \u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent on whether the SICR applies.<span class=\"_ _311\"> </span>Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span>The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span>changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span>The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span>The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span>The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span>Period over whi<span class=\"_ _0\"></span>ch ECL is me<span class=\"_ _0\"></span>asured ECL is me<span class=\"_ _4\"></span>asured from the initial recognition of the asse<span class=\"_ _4\"></span>t which is the date at which the loan is originated or the date a loan is pur<span class=\"_ _4\"></span>chased and at each balance sheet date thereafter<span class=\"_ _1\"></span>. The maximum period considered when measuring ECL<span class=\"_ _4\"></span> (either 12 months or lif<span class=\"_ _4\"></span>etime ECL) is the maximum contr<span class=\"_ _4\"></span>actual period over which the Gr<span class=\"_ _4\"></span>oup is exposed to the credit risk o<span class=\"_ _4\"></span>f the asset. For modelling purposes<span class=\"_ _4\"></span>, the Group considers the contr<span class=\"_ _4\"></span>actual maturity of the loan product and then considers the behaviour<span class=\"_ _4\"></span>al trends of the asset.<span class=\"_ _311\"> </span>Purchas<span class=\"_ _0\"></span>ed or origi<span class=\"_ _0\"></span>nated credit im<span class=\"_ _0\"></span>paired (PO<span class=\"_ _0\"></span>CI)<span class=\"_ _311\"> </span>Acquired lo<span class=\"_ _4\"></span>ans that meet the Group\u2019<span class=\"_ _1\"></span>s definition of de<span class=\"_ _4\"></span>fault (90 days past due or an unlik<span class=\"_ _1\"></span>ely to pay position) at acquisition are tre<span class=\"_ _4\"></span>ated as POCI assets. These asset<span class=\"_ _4\"></span>s attract a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance over the full t<span class=\"_ _4\"></span>erm of the loan, ev<span class=\"_ _4\"></span>en when these loans no longer meet the definition of default pos<span class=\"_ _4\"></span>t-acquisition. The Group does not originate cre<span class=\"_ _4\"></span>dit-impaired loans.<span class=\"_ _311\"> </span>Wr<span class=\"_ _4\"></span>ite-<span class=\"_ _0\"></span>off<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans are written off against the relate<span class=\"_ _4\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _4\"></span>emaining. Subsequent recov<span class=\"_ _4\"></span>eries of amounts pre<span class=\"_ _4\"></span>viously written off are tak<span class=\"_ _1\"></span>en through profit and loss<span class=\"_ _4\"></span>. Accounts that are der<span class=\"_ _4\"></span>ecognised for accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _4\"></span>es are only discontinued follo<span class=\"_ _4\"></span>wing approval fr<span class=\"_ _4\"></span>om the Group Chief Credit Officer<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Intercompany loans<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span>o<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Loan<span class=\"_ _0\"></span>s and advance<span class=\"_ _0\"></span>s to custome<span class=\"_ _0\"></span>rs<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s are predominantly mortgage loans and adv<span class=\"_ _4\"></span>ances to<span class=\"_ _311\"> </span>cust<span class=\"_ _4\"></span>omers with fixed or determinable paymen<span class=\"_ _4\"></span>ts that are not quoted in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et and<span class=\"_ _311\"> </span>that the Group does not int<span class=\"_ _4\"></span>end to sell in the near term. They are initially recor<span class=\"_ _4\"></span>ded at fair value<span class=\"_ _311\"> </span>plus any directly attributable tr<span class=\"_ _4\"></span>ansaction costs and ar<span class=\"_ _4\"></span>e subsequently measured at amortised<span class=\"_ _311\"> </span>cost using the EIR method, less impairmen<span class=\"_ _4\"></span>t losses. Where e<span class=\"_ _4\"></span>xposures are hedged by derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>designated and qualifying as fair v<span class=\"_ _4\"></span>alue hedges, the fair v<span class=\"_ _4\"></span>alue adjustment for the hedge<span class=\"_ _4\"></span>d risk<span class=\"_ _311\"> </span>to the carrying value o<span class=\"_ _4\"></span>f the hedged loans and advances is reported in fair v<span class=\"_ _4\"></span>alue adjustments<span class=\"_ _311\"> </span>for hedged asset<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and the related pro<span class=\"_ _4\"></span>vision are written off when there is a shortfall remaining after the underlying security is sold. Subsequent reco<span class=\"_ _4\"></span>veries of amount<span class=\"_ _4\"></span>s previously written off are tak<span class=\"_ _1\"></span>en through pro<span class=\"_ _4\"></span>fit or loss.<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s over which the Gr<span class=\"_ _4\"></span>oup transfer<span class=\"_ _4\"></span>s its rights to the collater<span class=\"_ _4\"></span>al thereon to the BoE under the TFSME and IL<span class=\"_ _3\"></span>TR schemes are not derecognised fr<span class=\"_ _4\"></span>om the Consolidated Stat<span class=\"_ _4\"></span>ement of Financial Position, as the Group ret<span class=\"_ _4\"></span>ains substantially all the risk<span class=\"_ _1\"></span>s and re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership<span class=\"_ _4\"></span>, including all cash flows arising from the loans and adv<span class=\"_ _4\"></span>ances and exposure t<span class=\"_ _4\"></span>o credit risk. The Group classifies TF<span class=\"_ _4\"></span>SME and IL<span class=\"_ _1\"></span>TR as amor<span class=\"_ _0\"></span>tised cos<span class=\"_ _4\"></span>t under IFRS 9 Financial Instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s include a small acquired mortgage portfolio where the contr<span class=\"_ _4\"></span>actual cash flows include payment<span class=\"_ _4\"></span>s that are not SPPI and as such are measured at FVTPL. Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s include the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s asset finance lease lending. Finance leases are initially measur<span class=\"_ _4\"></span>ed at an amount equal to the net inv<span class=\"_ _4\"></span>estment in the le<span class=\"_ _4\"></span>ase, using the inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e implicit in the finance lease. Direct cos<span class=\"_ _4\"></span>ts are included in the initial measuremen<span class=\"_ _4\"></span>t of the net inv<span class=\"_ _4\"></span>estment in the le<span class=\"_ _4\"></span>ase and reduce the amount of income recognise<span class=\"_ _4\"></span>d over the lease term. Finance income is recognised o<span class=\"_ _4\"></span>ver the lease term, based on a patt<span class=\"_ _4\"></span>ern reflecting a constan<span class=\"_ _4\"></span>t periodic rate o<span class=\"_ _4\"></span>f return on the net inves<span class=\"_ _4\"></span>tment in the lease<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>s<span class=\"_ _4\"></span>) <span class=\"_ _246\"> </span>Hedge accountin<span class=\"_ _4\"></span>g<span class=\"_ _311\"> </span>The Group has chosen to con<span class=\"_ _4\"></span>tinue to apply the hedge accounting requiremen<span class=\"_ _4\"></span>ts of IAS 39 inst<span class=\"_ _4\"></span>ead of the requiremen<span class=\"_ _4\"></span>ts in Chapter 6 of IFRS 9<span class=\"_ _3\"></span>. The Group uses fair value he<span class=\"_ _4\"></span>dge accounting for a portfolio hedge of in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. The hedging str<span class=\"_ _4\"></span>ategy of the Gr<span class=\"_ _4\"></span>oup is divided into portfolio hedges, wher<span class=\"_ _4\"></span>e the hedged item is a homogenous portfolio of assets (mortgage lending) or liabilities (savings produc<span class=\"_ _4\"></span>ts), and micro hedges<span class=\"_ _4\"></span>, where the hedged item is a dis<span class=\"_ _4\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _4\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>i. <span class=\"_ _27\"> </span>P<span class=\"_ _0\"></span>ortf<span class=\"_ _0\"></span>olio hedge<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Portfolio hedge accounting allo<span class=\"_ _4\"></span>ws for hedge effectiveness tes<span class=\"_ _4\"></span>ting and accounting ov<span class=\"_ _4\"></span>er an entire portfolio o<span class=\"_ _4\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _4\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _4\"></span>ed rate portfolio of mortgages and saving account<span class=\"_ _4\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _4\"></span>epricing time periods based on expected r<span class=\"_ _4\"></span>epricing dates, utilising the Group Assets and Liabilities Committee (AL<span class=\"_ _1\"></span>CO) approv<span class=\"_ _4\"></span>ed prepayment curve<span class=\"_ _4\"></span>. Interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>waps are designated agains<span class=\"_ _4\"></span>t the repricing time periods to es<span class=\"_ _4\"></span>tablish the hedge relationship.<span class=\"_ _311\"> </span>ii. <span class=\"_ _10\"> </span>Micro hedges<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s micro hedging s<span class=\"_ _4\"></span>trategy en<span class=\"_ _4\"></span>tails hedge accounting on an individual instrumen<span class=\"_ _4\"></span>t-<span class=\"_ _311\"> </span>by-instrumen<span class=\"_ _4\"></span>t basis, which in some ins<span class=\"_ _4\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _4\"></span>trument may be ex<span class=\"_ _4\"></span>ercised early. The Group applies fair v<span class=\"_ _4\"></span>alue micro hedge accounting to manage its e<span class=\"_ _4\"></span>xposure to the int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk arising from some of its fix<span class=\"_ _4\"></span>ed rate deb<span class=\"_ _4\"></span>t issuances. Inter<span class=\"_ _4\"></span>est rate s<span class=\"_ _4\"></span>waps are assigne<span class=\"_ _4\"></span>d to specific issuances of fixed r<span class=\"_ _4\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _311\"> </span>iii.<span class=\"_ _4\"></span> <span class=\"_ _18\"> </span>Hedge ef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span>Hedge effectiveness is calculat<span class=\"_ _4\"></span>ed as a percentage of the f<span class=\"_ _4\"></span>air value movemen<span class=\"_ _4\"></span>t of the interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>wap agains<span class=\"_ _4\"></span>t the fair value mov<span class=\"_ _4\"></span>ement of the hedged item o<span class=\"_ _4\"></span>ver the period tes<span class=\"_ _4\"></span>ted. The Group considers the f<span class=\"_ _4\"></span>ollowing as k<span class=\"_ _4\"></span>ey sources of hedge ine<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in maturity date of the sw<span class=\"_ _4\"></span>ap and hedged item, as sw<span class=\"_ _4\"></span>aps with a given maturity date cov<span class=\"_ _4\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _4\"></span>oughout the month;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the actual behaviour of the hedged item differing from expectations<span class=\"_ _4\"></span>, such as early repayment<span class=\"_ _4\"></span>s or withdraw<span class=\"_ _4\"></span>als and arrears;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>minimal movements in the yield curve le<span class=\"_ _4\"></span>ading to inef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ectiveness where hedge relationships are sensitiv<span class=\"_ _4\"></span>e to small value changes; and<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in the swap in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate and rate used t<span class=\"_ _4\"></span>o value the hedged item where the sw<span class=\"_ _4\"></span>ap rate is higher than the contr<span class=\"_ _4\"></span>actual rate o<span class=\"_ _4\"></span>f the hedged item. Where there is an e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e hedge relationship for fair v<span class=\"_ _4\"></span>alue hedges, the Group r<span class=\"_ _4\"></span>ecognises the change in fair value o<span class=\"_ _4\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _4\"></span>e movemen<span class=\"_ _4\"></span>t in their value being sho<span class=\"_ _4\"></span>wn separately in the Consolidated St<span class=\"_ _4\"></span>atement of Financial Position as fair v<span class=\"_ _4\"></span>alue adjustmen<span class=\"_ _4\"></span>ts on hedged assets and liabilities<span class=\"_ _4\"></span>. The fair value changes of both the derivativ<span class=\"_ _4\"></span>e and the hedge subst<span class=\"_ _4\"></span>antially offset each other to reduce pr<span class=\"_ _4\"></span>ofit volatility.<span class=\"_ _311\"> </span>The Group discontinues hedge accoun<span class=\"_ _4\"></span>ting when the derivative ceases through e<span class=\"_ _4\"></span>xpiry, when the derivative is c<span class=\"_ _4\"></span>ancelled or the underlying hedged item matures<span class=\"_ _4\"></span>, is sold or is repaid.<span class=\"_ _311\"> </span>If a derivative no longer meet<span class=\"_ _4\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _4\"></span>t still effective<span class=\"_ _4\"></span>, including LIBOR-link<span class=\"_ _4\"></span>ed derivatives cancelled as a result o<span class=\"_ _4\"></span>f IBOR reforms<span class=\"_ _4\"></span>, the fair value adjus<span class=\"_ _4\"></span>tment relating to the hedged asset<span class=\"_ _4\"></span>s or liabilities within the hedge relationship prior to the derivativ<span class=\"_ _4\"></span>e becoming inef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e or being cancelled remains on the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position and is amortised over the r<span class=\"_ _4\"></span>emaining life of the hedged assets or liabilities. The r<span class=\"_ _4\"></span>ate of amortisation over the r<span class=\"_ _4\"></span>emaining life is in line with expected income or cost gener<span class=\"_ _4\"></span>ated from the hedged asset<span class=\"_ _4\"></span>s or liabilities. Each reporting period, the expect<span class=\"_ _4\"></span>ation is compared to actual with an acceler<span class=\"_ _4\"></span>ated run-off applied where the two div<span class=\"_ _4\"></span>erge by more than set paramet<span class=\"_ _4\"></span>ers.<span class=\"_ _311\"> </span>t) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>ebit and cre<span class=\"_ _0\"></span>dit valuation adjus<span class=\"_ _0\"></span>tments<span class=\"_ _311\"> </span>The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A are included in the fair v<span class=\"_ _4\"></span>alue of derivative financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The DV<span class=\"_ _1\"></span>A is based on the expecte<span class=\"_ _4\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s two banking entities def<span class=\"_ _4\"></span>aulting. The CV<span class=\"_ _1\"></span>A reflects the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s risk of the counterparty\u2019<span class=\"_ _1\"></span>s default. The methodology is based on a s<span class=\"_ _4\"></span>tandard calculation, taking in<span class=\"_ _4\"></span>to account the credit r<span class=\"_ _4\"></span>ating of the sw<span class=\"_ _4\"></span>ap counterparty, time to maturity, the fair value of the s<span class=\"_ _4\"></span>wap and any collater<span class=\"_ _4\"></span>al arrangements<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-412": {
   "value": "k)<span class=\"_ _32\"> </span>Cas<span class=\"_ _0\"></span>h and cash e<span class=\"_ _0\"></span>quivalents<span class=\"_ _311\"> </span>For the purposes of the Consolidated St<span class=\"_ _4\"></span>atement of Cash Flo<span class=\"_ _4\"></span>ws, cash and cash equiv<span class=\"_ _4\"></span>alents<span class=\"_ _311\"> </span>comprise cash, non-res<span class=\"_ _4\"></span>tricted balances with credit ins<span class=\"_ _4\"></span>titutions and highly liquid financial<span class=\"_ _311\"> </span>assets with maturities of less than thr<span class=\"_ _4\"></span>ee months from date of acquisition, subject t<span class=\"_ _4\"></span>o an<span class=\"_ _311\"> </span>insignificant risk of changes in their f<span class=\"_ _4\"></span>air value and are used by the Group in the managemen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span>of its short-term commitments<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-408": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gsd9\">l)<span class=\"_ _a5\"> </span>Intangible as<span class=\"_ _0\"></span>sets<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsda\">Purchased softw<span class=\"_ _4\"></span>are and costs dir<span class=\"_ _4\"></span>ectly associated with the developmen<span class=\"_ _4\"></span>t of computer softwar<span class=\"_ _4\"></span>e<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsdb\">are capitalise<span class=\"_ _4\"></span>d as intangible assets where the softw<span class=\"_ _4\"></span>are is a unique and identifiable asset<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsdc\">controlled by the Gr<span class=\"_ _4\"></span>oup and will generate future economic bene<span class=\"_ _4\"></span>fits. Cost<span class=\"_ _4\"></span>s to establish<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsdd\">technological fe<span class=\"_ _4\"></span>asibility or to maintain exis<span class=\"_ _4\"></span>ting levels o<span class=\"_ _4\"></span>f performance are recognised as an<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsde\">expense<span class=\"_ _4\"></span>. The Group only recognises internally gener<span class=\"_ _4\"></span>ated intangible asse<span class=\"_ _4\"></span>ts if all of the following<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsdf\">conditions are met:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse0\">\u2022<span class=\"_ _13\"> </span>an asset is being creat<span class=\"_ _4\"></span>ed that can be identified after establishing the t<span class=\"_ _4\"></span>echnical and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse1\">commercial feasibility o<span class=\"_ _4\"></span>f the resulting product;<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse2\">\u2022<span class=\"_ _13\"> </span>it is probable that the asset cr<span class=\"_ _4\"></span>eated will generate futur<span class=\"_ _4\"></span>e economic benefits; and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse3\">\u2022<span class=\"_ _13\"> </span>the dev<span class=\"_ _4\"></span>elopment cost of the asse<span class=\"_ _4\"></span>t can be measured reliably.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse4\">Subsequent e<span class=\"_ _4\"></span>xpenditure on an internally gener<span class=\"_ _4\"></span>ated intangible asset, after its purchase </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse5\">or completion, is recognised as an e<span class=\"_ _4\"></span>xpense in the period in which it is incurred. Where </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse6\">no internally gener<span class=\"_ _4\"></span>ated intangible asset can be r<span class=\"_ _4\"></span>ecognised, developmen<span class=\"_ _4\"></span>t expenditure is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse7\">recognised as an e<span class=\"_ _4\"></span>xpense in the period in which it is incurred.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse8\">An intangible asset is only r<span class=\"_ _4\"></span>ecognised if:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gse9\">\u2022<span class=\"_ _13\"> </span>The Group has the contr<span class=\"_ _4\"></span>actual right to tak<span class=\"_ _1\"></span>e possession of the software during the hos<span class=\"_ _4\"></span>ting<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsea\">period without significant penalty; and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gseb\">\u2022<span class=\"_ _13\"> </span>It is feasible f<span class=\"_ _4\"></span>or the Group to run the software on it<span class=\"_ _4\"></span>s own hardw<span class=\"_ _4\"></span>are or contr<span class=\"_ _4\"></span>act with a par<span class=\"_ _0\"></span>ty<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsec\">unrelated t<span class=\"_ _4\"></span>o the supplier to host the softwar<span class=\"_ _4\"></span>e.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsed\">The costs o<span class=\"_ _4\"></span>f configuring or customising supplier application so<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>tw<span class=\"_ _4\"></span>are in a Softwar<span class=\"_ _4\"></span>e-as-a-<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsee\">service (SaaS) arrangement that is determined t<span class=\"_ _4\"></span>o be a ser<span class=\"_ _0\"></span>vice contr<span class=\"_ _4\"></span>act is recognised as an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsef\">expense or prepaymen<span class=\"_ _4\"></span>t. SaaS is an arrangement that pr<span class=\"_ _4\"></span>ovides the Group with the right to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsf0\">receive access t<span class=\"_ _4\"></span>o the supplier\u2019<span class=\"_ _4\"></span>s application software in the futur<span class=\"_ _4\"></span>e which is treated as a service </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsf1\">contr<span class=\"_ _4\"></span>act, rather than a software le<span class=\"_ _4\"></span>ase or the acquisition of a software in<span class=\"_ _4\"></span>tangible asset. Where </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsf2\">the configuration and cus<span class=\"_ _4\"></span>tomisation services are not distinct fr<span class=\"_ _4\"></span>om the right to receive access to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gsf3\">the softwar<span class=\"_ _4\"></span>e, then the costs ar<span class=\"_ _4\"></span>e recognised as an expense o<span class=\"_ _4\"></span>ver the term of the arr<span class=\"_ _4\"></span>angement.<span class=\"_ _311\"> </span> </div>Intangible asset<span class=\"_ _4\"></span>s are revie<span class=\"_ _4\"></span>wed for impairmen<span class=\"_ _4\"></span>t at least semi-annually, and if they are consider<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span>to be impaired, ar<span class=\"_ _4\"></span>e written down immediately t<span class=\"_ _4\"></span>o their recover<span class=\"_ _4\"></span>able amounts<span class=\"_ _4\"></span>. Impairment losses<span class=\"_ _311\"> </span>previously r<span class=\"_ _4\"></span>ecognised for intangible asset<span class=\"_ _4\"></span>s, other than goodwill, are r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sed when there has<span class=\"_ _311\"> </span>been a change in the estimates use<span class=\"_ _4\"></span>d to determine the asset\u2019<span class=\"_ _3\"></span>s recover<span class=\"_ _4\"></span>able amount. An impairment<span class=\"_ _311\"> </span>loss rev<span class=\"_ _4\"></span>ersal is recognise<span class=\"_ _4\"></span>d in the Consolidated Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the<span class=\"_ _311\"> </span>carrying amount of the asset is incr<span class=\"_ _4\"></span>eased to its reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>Intangible asset<span class=\"_ _4\"></span>s are amortised in profit or loss ov<span class=\"_ _4\"></span>er their estimated useful liv<span class=\"_ _4\"></span>es as follows:<span class=\"_ _311\"> </span>Software licence <span class=\"_ _11\"> </span> <span class=\"_ _73\"> </span>3\u20135 year str<span class=\"_ _4\"></span>aight line<span class=\"_ _311\"> </span>Brand <span class=\"_ _120\"> </span>4 year str<span class=\"_ _4\"></span>aight line<span class=\"_ _311\"> </span>Brok<span class=\"_ _1\"></span>er relationships <span class=\"_ _53\"> </span>5 year profile<span class=\"_ _311\"> </span>Bank licence <span class=\"_ _1a4\"> </span>3 year straigh<span class=\"_ _4\"></span>t line<span class=\"_ _311\"> </span>For dev<span class=\"_ _4\"></span>elopment costs o<span class=\"_ _4\"></span>f assets that are under construction, no amortisation is applied until the asset is available for use and is calculat<span class=\"_ _4\"></span>ed using a full month when available for use<span class=\"_ _4\"></span>. The Group re<span class=\"_ _4\"></span>views the amortisation period on an annual basis. If the e<span class=\"_ _4\"></span>xpected useful life o<span class=\"_ _4\"></span>f an asset is different from pr<span class=\"_ _4\"></span>evious assessments<span class=\"_ _4\"></span>, the amortisation period is changed accordingly. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "l)<span class=\"_ _a5\"> </span>Intangible as<span class=\"_ _0\"></span>sets<span class=\"_ _311\"> </span>Purchased softw<span class=\"_ _4\"></span>are and costs dir<span class=\"_ _4\"></span>ectly associated with the developmen<span class=\"_ _4\"></span>t of computer softwar<span class=\"_ _4\"></span>e<span class=\"_ _311\"> </span>are capitalise<span class=\"_ _4\"></span>d as intangible assets where the softw<span class=\"_ _4\"></span>are is a unique and identifiable asset<span class=\"_ _311\"> </span>controlled by the Gr<span class=\"_ _4\"></span>oup and will generate future economic bene<span class=\"_ _4\"></span>fits. Cost<span class=\"_ _4\"></span>s to establish<span class=\"_ _311\"> </span>technological fe<span class=\"_ _4\"></span>asibility or to maintain exis<span class=\"_ _4\"></span>ting levels o<span class=\"_ _4\"></span>f performance are recognised as an<span class=\"_ _311\"> </span>expense<span class=\"_ _4\"></span>. The Group only recognises internally gener<span class=\"_ _4\"></span>ated intangible asse<span class=\"_ _4\"></span>ts if all of the following<span class=\"_ _311\"> </span>conditions are met:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>an asset is being creat<span class=\"_ _4\"></span>ed that can be identified after establishing the t<span class=\"_ _4\"></span>echnical and<span class=\"_ _311\"> </span>commercial feasibility o<span class=\"_ _4\"></span>f the resulting product;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>it is probable that the asset cr<span class=\"_ _4\"></span>eated will generate futur<span class=\"_ _4\"></span>e economic benefits; and<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the dev<span class=\"_ _4\"></span>elopment cost of the asse<span class=\"_ _4\"></span>t can be measured reliably.<span class=\"_ _311\"> </span>Subsequent e<span class=\"_ _4\"></span>xpenditure on an internally gener<span class=\"_ _4\"></span>ated intangible asset, after its purchase or completion, is recognised as an e<span class=\"_ _4\"></span>xpense in the period in which it is incurred. Where no internally gener<span class=\"_ _4\"></span>ated intangible asset can be r<span class=\"_ _4\"></span>ecognised, developmen<span class=\"_ _4\"></span>t expenditure is recognised as an e<span class=\"_ _4\"></span>xpense in the period in which it is incurred.<span class=\"_ _311\"> </span>An intangible asset is only r<span class=\"_ _4\"></span>ecognised if:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>The Group has the contr<span class=\"_ _4\"></span>actual right to tak<span class=\"_ _1\"></span>e possession of the software during the hos<span class=\"_ _4\"></span>ting<span class=\"_ _311\"> </span>period without significant penalty; and<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>It is feasible f<span class=\"_ _4\"></span>or the Group to run the software on it<span class=\"_ _4\"></span>s own hardw<span class=\"_ _4\"></span>are or contr<span class=\"_ _4\"></span>act with a par<span class=\"_ _0\"></span>ty<span class=\"_ _311\"> </span>unrelated t<span class=\"_ _4\"></span>o the supplier to host the softwar<span class=\"_ _4\"></span>e.<span class=\"_ _311\"> </span>The costs o<span class=\"_ _4\"></span>f configuring or customising supplier application so<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>tw<span class=\"_ _4\"></span>are in a Softwar<span class=\"_ _4\"></span>e-as-a-<span class=\"_ _311\"> </span>service (SaaS) arrangement that is determined t<span class=\"_ _4\"></span>o be a ser<span class=\"_ _0\"></span>vice contr<span class=\"_ _4\"></span>act is recognised as an expense or prepaymen<span class=\"_ _4\"></span>t. SaaS is an arrangement that pr<span class=\"_ _4\"></span>ovides the Group with the right to receive access t<span class=\"_ _4\"></span>o the supplier\u2019<span class=\"_ _4\"></span>s application software in the futur<span class=\"_ _4\"></span>e which is treated as a service contr<span class=\"_ _4\"></span>act, rather than a software le<span class=\"_ _4\"></span>ase or the acquisition of a software in<span class=\"_ _4\"></span>tangible asset. Where the configuration and cus<span class=\"_ _4\"></span>tomisation services are not distinct fr<span class=\"_ _4\"></span>om the right to receive access to the softwar<span class=\"_ _4\"></span>e, then the costs ar<span class=\"_ _4\"></span>e recognised as an expense o<span class=\"_ _4\"></span>ver the term of the arr<span class=\"_ _4\"></span>angement.<span class=\"_ _311\"> </span>Intangible asset<span class=\"_ _4\"></span>s are revie<span class=\"_ _4\"></span>wed for impairmen<span class=\"_ _4\"></span>t at least semi-annually, and if they are consider<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span>to be impaired, ar<span class=\"_ _4\"></span>e written down immediately t<span class=\"_ _4\"></span>o their recover<span class=\"_ _4\"></span>able amounts<span class=\"_ _4\"></span>. Impairment losses<span class=\"_ _311\"> </span>previously r<span class=\"_ _4\"></span>ecognised for intangible asset<span class=\"_ _4\"></span>s, other than goodwill, are r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sed when there has<span class=\"_ _311\"> </span>been a change in the estimates use<span class=\"_ _4\"></span>d to determine the asset\u2019<span class=\"_ _3\"></span>s recover<span class=\"_ _4\"></span>able amount. An impairment<span class=\"_ _311\"> </span>loss rev<span class=\"_ _4\"></span>ersal is recognise<span class=\"_ _4\"></span>d in the Consolidated Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the<span class=\"_ _311\"> </span>carrying amount of the asset is incr<span class=\"_ _4\"></span>eased to its reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>Intangible asset<span class=\"_ _4\"></span>s are amortised in profit or loss ov<span class=\"_ _4\"></span>er their estimated useful liv<span class=\"_ _4\"></span>es as follows:<span class=\"_ _311\"> </span>Software licence <span class=\"_ _11\"> </span> <span class=\"_ _73\"> </span>3\u20135 year str<span class=\"_ _4\"></span>aight line<span class=\"_ _311\"> </span>Brand <span class=\"_ _120\"> </span>4 year str<span class=\"_ _4\"></span>aight line<span class=\"_ _311\"> </span>Brok<span class=\"_ _1\"></span>er relationships <span class=\"_ _53\"> </span>5 year profile<span class=\"_ _311\"> </span>Bank licence <span class=\"_ _1a4\"> </span>3 year straigh<span class=\"_ _4\"></span>t line<span class=\"_ _311\"> </span>For dev<span class=\"_ _4\"></span>elopment costs o<span class=\"_ _4\"></span>f assets that are under construction, no amortisation is applied until the asset is available for use and is calculat<span class=\"_ _4\"></span>ed using a full month when available for use<span class=\"_ _4\"></span>. The Group re<span class=\"_ _4\"></span>views the amortisation period on an annual basis. If the e<span class=\"_ _4\"></span>xpected useful life o<span class=\"_ _4\"></span>f an asset is different from pr<span class=\"_ _4\"></span>evious assessments<span class=\"_ _4\"></span>, the amortisation period is changed accordingly. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-533": {
   "value": "Intangible asset<span class=\"_ _4\"></span>s are revie<span class=\"_ _4\"></span>wed for impairmen<span class=\"_ _4\"></span>t at least semi-annually, and if they are consider<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span>to be impaired, ar<span class=\"_ _4\"></span>e written down immediately t<span class=\"_ _4\"></span>o their recover<span class=\"_ _4\"></span>able amounts<span class=\"_ _4\"></span>. Impairment losses<span class=\"_ _311\"> </span>previously r<span class=\"_ _4\"></span>ecognised for intangible asset<span class=\"_ _4\"></span>s, other than goodwill, are r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sed when there has<span class=\"_ _311\"> </span>been a change in the estimates use<span class=\"_ _4\"></span>d to determine the asset\u2019<span class=\"_ _3\"></span>s recover<span class=\"_ _4\"></span>able amount. An impairment<span class=\"_ _311\"> </span>loss rev<span class=\"_ _4\"></span>ersal is recognise<span class=\"_ _4\"></span>d in the Consolidated Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the<span class=\"_ _311\"> </span>carrying amount of the asset is incr<span class=\"_ _4\"></span>eased to its reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>m<span class=\"_ _4\"></span>)<span class=\"_ _124\"> </span>Prop<span class=\"_ _0\"></span>erty, pl<span class=\"_ _0\"></span>ant and equipme<span class=\"_ _0\"></span>nt<span class=\"_ _311\"> </span>Property, plant and equipment comprise fr<span class=\"_ _4\"></span>eehold land and buildings, major alter<span class=\"_ _4\"></span>ations<span class=\"_ _311\"> </span>to office premises, comput<span class=\"_ _4\"></span>er equipment and fixtures measure<span class=\"_ _4\"></span>d at cost less accumulated<span class=\"_ _311\"> </span>depreciation. These assets ar<span class=\"_ _4\"></span>e revie<span class=\"_ _4\"></span>wed for impairment annually, and if they ar<span class=\"_ _4\"></span>e considered to<span class=\"_ _311\"> </span>be impaired, are writt<span class=\"_ _4\"></span>en down immediately to their r<span class=\"_ _4\"></span>ecover<span class=\"_ _4\"></span>able amounts.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-515": {
   "value": "Intangible asset<span class=\"_ _4\"></span>s are revie<span class=\"_ _4\"></span>wed for impairmen<span class=\"_ _4\"></span>t at least semi-annually, and if they are consider<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span>to be impaired, ar<span class=\"_ _4\"></span>e written down immediately t<span class=\"_ _4\"></span>o their recover<span class=\"_ _4\"></span>able amounts<span class=\"_ _4\"></span>. Impairment losses<span class=\"_ _311\"> </span>previously r<span class=\"_ _4\"></span>ecognised for intangible asset<span class=\"_ _4\"></span>s, other than goodwill, are r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sed when there has<span class=\"_ _311\"> </span>been a change in the estimates use<span class=\"_ _4\"></span>d to determine the asset\u2019<span class=\"_ _3\"></span>s recover<span class=\"_ _4\"></span>able amount. An impairment<span class=\"_ _311\"> </span>loss rev<span class=\"_ _4\"></span>ersal is recognise<span class=\"_ _4\"></span>d in the Consolidated Statement o<span class=\"_ _4\"></span>f Comprehensive Income and the<span class=\"_ _311\"> </span>carrying amount of the asset is incr<span class=\"_ _4\"></span>eased to its reco<span class=\"_ _4\"></span>verable amoun<span class=\"_ _4\"></span>t.<span class=\"_ _311\"> </span>m<span class=\"_ _4\"></span>)<span class=\"_ _124\"> </span>Prop<span class=\"_ _0\"></span>erty, pl<span class=\"_ _0\"></span>ant and equipme<span class=\"_ _0\"></span>nt<span class=\"_ _311\"> </span>Property, plant and equipment comprise fr<span class=\"_ _4\"></span>eehold land and buildings, major alter<span class=\"_ _4\"></span>ations<span class=\"_ _311\"> </span>to office premises, comput<span class=\"_ _4\"></span>er equipment and fixtures measure<span class=\"_ _4\"></span>d at cost less accumulated<span class=\"_ _311\"> </span>depreciation. These assets ar<span class=\"_ _4\"></span>e revie<span class=\"_ _4\"></span>wed for impairment annually, and if they ar<span class=\"_ _4\"></span>e considered to<span class=\"_ _311\"> </span>be impaired, are writt<span class=\"_ _4\"></span>en down immediately to their r<span class=\"_ _4\"></span>ecover<span class=\"_ _4\"></span>able amounts.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-413": {
   "value": "m<span class=\"_ _4\"></span>)<span class=\"_ _124\"> </span>Prop<span class=\"_ _0\"></span>erty, pl<span class=\"_ _0\"></span>ant and equipme<span class=\"_ _0\"></span>nt<span class=\"_ _311\"> </span>Property, plant and equipment comprise fr<span class=\"_ _4\"></span>eehold land and buildings, major alter<span class=\"_ _4\"></span>ations<span class=\"_ _311\"> </span>to office premises, comput<span class=\"_ _4\"></span>er equipment and fixtures measure<span class=\"_ _4\"></span>d at cost less accumulated<span class=\"_ _311\"> </span>depreciation. These assets ar<span class=\"_ _4\"></span>e revie<span class=\"_ _4\"></span>wed for impairment annually, and if they ar<span class=\"_ _4\"></span>e considered to<span class=\"_ _311\"> </span>be impaired, are writt<span class=\"_ _4\"></span>en down immediately to their r<span class=\"_ _4\"></span>ecover<span class=\"_ _4\"></span>able amounts.<span class=\"_ _311\"> </span>Items of pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty, plant and e<span class=\"_ _4\"></span>quipment are depreciated on a s<span class=\"_ _4\"></span>traight-line basis o<span class=\"_ _4\"></span>ver their estimat<span class=\"_ _4\"></span>ed useful economic lives as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>Buildings<span class=\"_ _d3\"> </span>50 <span class=\"_ _233\"></span>years<span class=\"_ _311\"> </span>Fixtures &amp; fittings<span class=\"_ _4\"></span>, computer hardw<span class=\"_ _4\"></span>are and vehicles <span class=\"_ _4f\"> </span>5 year<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span>Le<span class=\"_ _4\"></span>asehold improvemen<span class=\"_ _4\"></span>ts <span class=\"_ _134\"> </span>Shorter o<span class=\"_ _4\"></span>f useful life or lease term<span class=\"_ _311\"> </span>Land, deemed t<span class=\"_ _4\"></span>o be 25% of purchase price of buildings<span class=\"_ _4\"></span>, is not depreciated.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-468": {
   "value": "Items of pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty, plant and e<span class=\"_ _4\"></span>quipment are depreciated on a s<span class=\"_ _4\"></span>traight-line basis o<span class=\"_ _4\"></span>ver their estimat<span class=\"_ _4\"></span>ed useful economic lives as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>Buildings<span class=\"_ _d3\"> </span>50 <span class=\"_ _233\"></span>years<span class=\"_ _311\"> </span>Fixtures &amp; fittings<span class=\"_ _4\"></span>, computer hardw<span class=\"_ _4\"></span>are and vehicles <span class=\"_ _4f\"> </span>5 year<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span>Le<span class=\"_ _4\"></span>asehold improvemen<span class=\"_ _4\"></span>ts <span class=\"_ _134\"> </span>Shorter o<span class=\"_ _4\"></span>f useful life or lease term<span class=\"_ _311\"> </span>Land, deemed t<span class=\"_ _4\"></span>o be 25% of purchase price of buildings<span class=\"_ _4\"></span>, is not depreciated.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-531": {
   "value": "n<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Financi<span class=\"_ _0\"></span>al instruments<span class=\"_ _311\"> </span>i. Recognition<span class=\"_ _311\"> </span>The Group initially recognises lo<span class=\"_ _4\"></span>ans and advances, deposits<span class=\"_ _4\"></span>, debt securities issued and<span class=\"_ _311\"> </span>subordinate<span class=\"_ _4\"></span>d liabilities on the date on which they are originated or acquir<span class=\"_ _4\"></span>ed. All other financial<span class=\"_ _311\"> </span>instrumen<span class=\"_ _4\"></span>ts are accounted f<span class=\"_ _4\"></span>or on the trade date which is when the Group becomes a party to<span class=\"_ _311\"> </span>the contr<span class=\"_ _4\"></span>actual provisions of the ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span>For financial instrumen<span class=\"_ _4\"></span>ts classified as amortised cost or FV<span class=\"_ _4\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _4\"></span>alue plus transaction income or costs that ar<span class=\"_ _4\"></span>e directly attributable to it<span class=\"_ _4\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _4\"></span>truments classified as amortised cost are subsequen<span class=\"_ _4\"></span>tly measured using the EIR method. T<span class=\"_ _1\"></span>ransaction cost<span class=\"_ _4\"></span>s directly attributable to the acquisition or issue of a financial ins<span class=\"_ _4\"></span>trument at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> are recognised in pro<span class=\"_ _4\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _311\"> </span>The Group classifies financial ins<span class=\"_ _4\"></span>truments based on the business model and the contr<span class=\"_ _4\"></span>actual<span class=\"_ _311\"> </span>cash flow char<span class=\"_ _4\"></span>acteristics o<span class=\"_ _4\"></span>f the financial instruments<span class=\"_ _4\"></span>. In accordance with IFRS 9<span class=\"_ _3\"></span>, the Group<span class=\"_ _311\"> </span>classifies financial assets int<span class=\"_ _4\"></span>o one of three measurement c<span class=\"_ _4\"></span>ategories:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">Amortised c<span class=\"_ _0\"></span>ost</span> \u2013 assets in a business mo<span class=\"_ _4\"></span>del to hold financial assets in order to collect<span class=\"_ _311\"> </span>contr<span class=\"_ _4\"></span>actual cash flows<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial asset give rise on<span class=\"_ _311\"> </span>specified dates to cash flo<span class=\"_ _4\"></span>ws that are solely payment<span class=\"_ _4\"></span>s of principal and interes<span class=\"_ _4\"></span>t (SPPI) on the<span class=\"_ _311\"> </span>principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1 ls88 ws8d\">F<span class=\"_ _0\"></span>VO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span></span> \u2013 assets held in a business model which collects contr<span class=\"_ _4\"></span>actual cash flows and sells<span class=\"_ _311\"> </span>financial assets<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial assets give rise on specified<span class=\"_ _311\"> </span>dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">FV<span class=\"_ _0\"></span>TPL</span> \u2013 assets not me<span class=\"_ _4\"></span>asured at amortised cost or FV<span class=\"_ _4\"></span>OCI. The Group measures derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>an acquired mortgage portfolio and an inv<span class=\"_ _4\"></span>estment security under this cat<span class=\"_ _4\"></span>egory.<span class=\"_ _311\"> </span>The Group reassesses it<span class=\"_ _4\"></span>s business models each reporting period.<span class=\"_ _311\"> </span>The Group classifies non-derivativ<span class=\"_ _4\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _311\"> </span>The Group classifies certain financial instrumen<span class=\"_ _4\"></span>ts as equity where they meet the follo<span class=\"_ _4\"></span>wing<span class=\"_ _311\"> </span>conditions:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t includes no contractual obligation to deliv<span class=\"_ _4\"></span>er cash or another<span class=\"_ _311\"> </span>financial asset on potentially unf<span class=\"_ _4\"></span>avourable conditions;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t is a non-derivative that includes no contr<span class=\"_ _4\"></span>actual obligation for the<span class=\"_ _311\"> </span>issuer to deliver a v<span class=\"_ _4\"></span>ariable number of its own equity ins<span class=\"_ _4\"></span>truments; or<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ls74\">the financial instrumen<span class=\"_ _4\"></span>t is a derivative that will be settled only by the issuer e<span class=\"_ _4\"></span>xchanging a fixed<span class=\"_ _311\"> </span></span>amount of cash or another financial asse<span class=\"_ _4\"></span>t for a fixed number of its o<span class=\"_ _4\"></span>wn equity instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s sources of debt funding ar<span class=\"_ _4\"></span>e deposits from retail cus<span class=\"_ _4\"></span>tomers and cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, including collateralise<span class=\"_ _4\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _1\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _4\"></span>or SMEs (<span class=\"_ _0\"></span>TFSME), asset-back<span class=\"_ _1\"></span>ed loan notes issued through the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes, subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes. Cash receive<span class=\"_ _4\"></span>d under the TFSME is recorded in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to credit ins<span class=\"_ _4\"></span>titutions. Financial liabilities including the Sterling Perpetual Subor<span class=\"_ _4\"></span>dinated Bonds (PSBs) and Tier 2 instrumen<span class=\"_ _4\"></span>ts where the terms allo<span class=\"_ _4\"></span>w no absolute discretion ov<span class=\"_ _4\"></span>er the payment of inter<span class=\"_ _4\"></span>est. During the year equity financial ins<span class=\"_ _4\"></span>truments comprised own shar<span class=\"_ _4\"></span>es and A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities are designated as equity ins<span class=\"_ _4\"></span>truments and r<span class=\"_ _4\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _4\"></span>al costs directly attribut<span class=\"_ _4\"></span>able to the issuance of equity instrumen<span class=\"_ _4\"></span>ts. Accor<span class=\"_ _4\"></span>dingly, the coupons paid on A<span class=\"_ _4\"></span>T1 securities are recognised dir<span class=\"_ _4\"></span>ectly in retained earnings when paid.<span class=\"_ _311\"> </span>iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span>The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span>principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span>asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span>The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span>iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>v<span class=\"_ _4\"></span>.<span class=\"_ _18b\"> </span>Amortised cost me<span class=\"_ _0\"></span>asurement<span class=\"_ _311\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _4\"></span>t at which the financial<span class=\"_ _311\"> </span>asset or financial liability is measured at initial r<span class=\"_ _4\"></span>ecognition, less principal payments or receipts<span class=\"_ _4\"></span>,<span class=\"_ _311\"> </span>plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _4\"></span>een the<span class=\"_ _311\"> </span>initial amount recognise<span class=\"_ _4\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _4\"></span>t of<span class=\"_ _311\"> </span>assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span>orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span>in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using quoted mark<span class=\"_ _1\"></span>et prices where available. If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span>vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span>The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span>The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span>The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span>IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span>Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span>The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span>Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span>At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span>Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span>The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. \u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent on whether the SICR applies.<span class=\"_ _311\"> </span>Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span>The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span>changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span>The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span>The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span>The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span>Period over whi<span class=\"_ _0\"></span>ch ECL is me<span class=\"_ _0\"></span>asured ECL is me<span class=\"_ _4\"></span>asured from the initial recognition of the asse<span class=\"_ _4\"></span>t which is the date at which the loan is originated or the date a loan is pur<span class=\"_ _4\"></span>chased and at each balance sheet date thereafter<span class=\"_ _1\"></span>. The maximum period considered when measuring ECL<span class=\"_ _4\"></span> (either 12 months or lif<span class=\"_ _4\"></span>etime ECL) is the maximum contr<span class=\"_ _4\"></span>actual period over which the Gr<span class=\"_ _4\"></span>oup is exposed to the credit risk o<span class=\"_ _4\"></span>f the asset. For modelling purposes<span class=\"_ _4\"></span>, the Group considers the contr<span class=\"_ _4\"></span>actual maturity of the loan product and then considers the behaviour<span class=\"_ _4\"></span>al trends of the asset.<span class=\"_ _311\"> </span>Purchas<span class=\"_ _0\"></span>ed or origi<span class=\"_ _0\"></span>nated credit im<span class=\"_ _0\"></span>paired (PO<span class=\"_ _0\"></span>CI)<span class=\"_ _311\"> </span>Acquired lo<span class=\"_ _4\"></span>ans that meet the Group\u2019<span class=\"_ _1\"></span>s definition of de<span class=\"_ _4\"></span>fault (90 days past due or an unlik<span class=\"_ _1\"></span>ely to pay position) at acquisition are tre<span class=\"_ _4\"></span>ated as POCI assets. These asset<span class=\"_ _4\"></span>s attract a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance over the full t<span class=\"_ _4\"></span>erm of the loan, ev<span class=\"_ _4\"></span>en when these loans no longer meet the definition of default pos<span class=\"_ _4\"></span>t-acquisition. The Group does not originate cre<span class=\"_ _4\"></span>dit-impaired loans.<span class=\"_ _311\"> </span>Wr<span class=\"_ _4\"></span>ite-<span class=\"_ _0\"></span>off<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans are written off against the relate<span class=\"_ _4\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _4\"></span>emaining. Subsequent recov<span class=\"_ _4\"></span>eries of amounts pre<span class=\"_ _4\"></span>viously written off are tak<span class=\"_ _1\"></span>en through profit and loss<span class=\"_ _4\"></span>. Accounts that are der<span class=\"_ _4\"></span>ecognised for accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _4\"></span>es are only discontinued follo<span class=\"_ _4\"></span>wing approval fr<span class=\"_ _4\"></span>om the Group Chief Credit Officer<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Intercompany loans<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-526": {
   "value": "n<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Financi<span class=\"_ _0\"></span>al instruments<span class=\"_ _311\"> </span>i. Recognition<span class=\"_ _311\"> </span>The Group initially recognises lo<span class=\"_ _4\"></span>ans and advances, deposits<span class=\"_ _4\"></span>, debt securities issued and<span class=\"_ _311\"> </span>subordinate<span class=\"_ _4\"></span>d liabilities on the date on which they are originated or acquir<span class=\"_ _4\"></span>ed. All other financial<span class=\"_ _311\"> </span>instrumen<span class=\"_ _4\"></span>ts are accounted f<span class=\"_ _4\"></span>or on the trade date which is when the Group becomes a party to<span class=\"_ _311\"> </span>the contr<span class=\"_ _4\"></span>actual provisions of the ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span>For financial instrumen<span class=\"_ _4\"></span>ts classified as amortised cost or FV<span class=\"_ _4\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _4\"></span>alue plus transaction income or costs that ar<span class=\"_ _4\"></span>e directly attributable to it<span class=\"_ _4\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _4\"></span>truments classified as amortised cost are subsequen<span class=\"_ _4\"></span>tly measured using the EIR method. T<span class=\"_ _1\"></span>ransaction cost<span class=\"_ _4\"></span>s directly attributable to the acquisition or issue of a financial ins<span class=\"_ _4\"></span>trument at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> are recognised in pro<span class=\"_ _4\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _311\"> </span>The Group classifies financial ins<span class=\"_ _4\"></span>truments based on the business model and the contr<span class=\"_ _4\"></span>actual<span class=\"_ _311\"> </span>cash flow char<span class=\"_ _4\"></span>acteristics o<span class=\"_ _4\"></span>f the financial instruments<span class=\"_ _4\"></span>. In accordance with IFRS 9<span class=\"_ _3\"></span>, the Group<span class=\"_ _311\"> </span>classifies financial assets int<span class=\"_ _4\"></span>o one of three measurement c<span class=\"_ _4\"></span>ategories:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">Amortised c<span class=\"_ _0\"></span>ost</span> \u2013 assets in a business mo<span class=\"_ _4\"></span>del to hold financial assets in order to collect<span class=\"_ _311\"> </span>contr<span class=\"_ _4\"></span>actual cash flows<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial asset give rise on<span class=\"_ _311\"> </span>specified dates to cash flo<span class=\"_ _4\"></span>ws that are solely payment<span class=\"_ _4\"></span>s of principal and interes<span class=\"_ _4\"></span>t (SPPI) on the<span class=\"_ _311\"> </span>principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1 ls88 ws8d\">F<span class=\"_ _0\"></span>VO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span></span> \u2013 assets held in a business model which collects contr<span class=\"_ _4\"></span>actual cash flows and sells<span class=\"_ _311\"> </span>financial assets<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial assets give rise on specified<span class=\"_ _311\"> </span>dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">FV<span class=\"_ _0\"></span>TPL</span> \u2013 assets not me<span class=\"_ _4\"></span>asured at amortised cost or FV<span class=\"_ _4\"></span>OCI. The Group measures derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>an acquired mortgage portfolio and an inv<span class=\"_ _4\"></span>estment security under this cat<span class=\"_ _4\"></span>egory.<span class=\"_ _311\"> </span>The Group reassesses it<span class=\"_ _4\"></span>s business models each reporting period.<span class=\"_ _311\"> </span>The Group classifies non-derivativ<span class=\"_ _4\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _311\"> </span>The Group classifies certain financial instrumen<span class=\"_ _4\"></span>ts as equity where they meet the follo<span class=\"_ _4\"></span>wing<span class=\"_ _311\"> </span>conditions:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t includes no contractual obligation to deliv<span class=\"_ _4\"></span>er cash or another<span class=\"_ _311\"> </span>financial asset on potentially unf<span class=\"_ _4\"></span>avourable conditions;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t is a non-derivative that includes no contr<span class=\"_ _4\"></span>actual obligation for the<span class=\"_ _311\"> </span>issuer to deliver a v<span class=\"_ _4\"></span>ariable number of its own equity ins<span class=\"_ _4\"></span>truments; or<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ls74\">the financial instrumen<span class=\"_ _4\"></span>t is a derivative that will be settled only by the issuer e<span class=\"_ _4\"></span>xchanging a fixed<span class=\"_ _311\"> </span></span>amount of cash or another financial asse<span class=\"_ _4\"></span>t for a fixed number of its o<span class=\"_ _4\"></span>wn equity instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s sources of debt funding ar<span class=\"_ _4\"></span>e deposits from retail cus<span class=\"_ _4\"></span>tomers and cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, including collateralise<span class=\"_ _4\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _1\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _4\"></span>or SMEs (<span class=\"_ _0\"></span>TFSME), asset-back<span class=\"_ _1\"></span>ed loan notes issued through the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes, subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes. Cash receive<span class=\"_ _4\"></span>d under the TFSME is recorded in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to credit ins<span class=\"_ _4\"></span>titutions. Financial liabilities including the Sterling Perpetual Subor<span class=\"_ _4\"></span>dinated Bonds (PSBs) and Tier 2 instrumen<span class=\"_ _4\"></span>ts where the terms allo<span class=\"_ _4\"></span>w no absolute discretion ov<span class=\"_ _4\"></span>er the payment of inter<span class=\"_ _4\"></span>est. During the year equity financial ins<span class=\"_ _4\"></span>truments comprised own shar<span class=\"_ _4\"></span>es and A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities are designated as equity ins<span class=\"_ _4\"></span>truments and r<span class=\"_ _4\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _4\"></span>al costs directly attribut<span class=\"_ _4\"></span>able to the issuance of equity instrumen<span class=\"_ _4\"></span>ts. Accor<span class=\"_ _4\"></span>dingly, the coupons paid on A<span class=\"_ _4\"></span>T1 securities are recognised dir<span class=\"_ _4\"></span>ectly in retained earnings when paid.<span class=\"_ _311\"> </span>iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span>The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span>principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span>asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span>The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span>iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>v<span class=\"_ _4\"></span>.<span class=\"_ _18b\"> </span>Amortised cost me<span class=\"_ _0\"></span>asurement<span class=\"_ _311\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _4\"></span>t at which the financial<span class=\"_ _311\"> </span>asset or financial liability is measured at initial r<span class=\"_ _4\"></span>ecognition, less principal payments or receipts<span class=\"_ _4\"></span>,<span class=\"_ _311\"> </span>plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _4\"></span>een the<span class=\"_ _311\"> </span>initial amount recognise<span class=\"_ _4\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _4\"></span>t of<span class=\"_ _311\"> </span>assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span>orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span>in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using quoted mark<span class=\"_ _1\"></span>et prices where available. If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span>vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span>The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span>The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span>The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span>IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span>Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span>The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span>Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span>At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span>Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span>The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. \u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent on whether the SICR applies.<span class=\"_ _311\"> </span>Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span>The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span>changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span>The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span>The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span>The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span>Period over whi<span class=\"_ _0\"></span>ch ECL is me<span class=\"_ _0\"></span>asured ECL is me<span class=\"_ _4\"></span>asured from the initial recognition of the asse<span class=\"_ _4\"></span>t which is the date at which the loan is originated or the date a loan is pur<span class=\"_ _4\"></span>chased and at each balance sheet date thereafter<span class=\"_ _1\"></span>. The maximum period considered when measuring ECL<span class=\"_ _4\"></span> (either 12 months or lif<span class=\"_ _4\"></span>etime ECL) is the maximum contr<span class=\"_ _4\"></span>actual period over which the Gr<span class=\"_ _4\"></span>oup is exposed to the credit risk o<span class=\"_ _4\"></span>f the asset. For modelling purposes<span class=\"_ _4\"></span>, the Group considers the contr<span class=\"_ _4\"></span>actual maturity of the loan product and then considers the behaviour<span class=\"_ _4\"></span>al trends of the asset.<span class=\"_ _311\"> </span>Purchas<span class=\"_ _0\"></span>ed or origi<span class=\"_ _0\"></span>nated credit im<span class=\"_ _0\"></span>paired (PO<span class=\"_ _0\"></span>CI)<span class=\"_ _311\"> </span>Acquired lo<span class=\"_ _4\"></span>ans that meet the Group\u2019<span class=\"_ _1\"></span>s definition of de<span class=\"_ _4\"></span>fault (90 days past due or an unlik<span class=\"_ _1\"></span>ely to pay position) at acquisition are tre<span class=\"_ _4\"></span>ated as POCI assets. These asset<span class=\"_ _4\"></span>s attract a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance over the full t<span class=\"_ _4\"></span>erm of the loan, ev<span class=\"_ _4\"></span>en when these loans no longer meet the definition of default pos<span class=\"_ _4\"></span>t-acquisition. The Group does not originate cre<span class=\"_ _4\"></span>dit-impaired loans.<span class=\"_ _311\"> </span>Wr<span class=\"_ _4\"></span>ite-<span class=\"_ _0\"></span>off<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans are written off against the relate<span class=\"_ _4\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _4\"></span>emaining. Subsequent recov<span class=\"_ _4\"></span>eries of amounts pre<span class=\"_ _4\"></span>viously written off are tak<span class=\"_ _1\"></span>en through profit and loss<span class=\"_ _4\"></span>. Accounts that are der<span class=\"_ _4\"></span>ecognised for accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _4\"></span>es are only discontinued follo<span class=\"_ _4\"></span>wing approval fr<span class=\"_ _4\"></span>om the Group Chief Credit Officer<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Intercompany loans<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-498": {
   "value": "n<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Financi<span class=\"_ _0\"></span>al instruments<span class=\"_ _311\"> </span>i. Recognition<span class=\"_ _311\"> </span>The Group initially recognises lo<span class=\"_ _4\"></span>ans and advances, deposits<span class=\"_ _4\"></span>, debt securities issued and<span class=\"_ _311\"> </span>subordinate<span class=\"_ _4\"></span>d liabilities on the date on which they are originated or acquir<span class=\"_ _4\"></span>ed. All other financial<span class=\"_ _311\"> </span>instrumen<span class=\"_ _4\"></span>ts are accounted f<span class=\"_ _4\"></span>or on the trade date which is when the Group becomes a party to<span class=\"_ _311\"> </span>the contr<span class=\"_ _4\"></span>actual provisions of the ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span>For financial instrumen<span class=\"_ _4\"></span>ts classified as amortised cost or FV<span class=\"_ _4\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _4\"></span>alue plus transaction income or costs that ar<span class=\"_ _4\"></span>e directly attributable to it<span class=\"_ _4\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _4\"></span>truments classified as amortised cost are subsequen<span class=\"_ _4\"></span>tly measured using the EIR method. T<span class=\"_ _1\"></span>ransaction cost<span class=\"_ _4\"></span>s directly attributable to the acquisition or issue of a financial ins<span class=\"_ _4\"></span>trument at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> are recognised in pro<span class=\"_ _4\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _311\"> </span>The Group classifies financial ins<span class=\"_ _4\"></span>truments based on the business model and the contr<span class=\"_ _4\"></span>actual<span class=\"_ _311\"> </span>cash flow char<span class=\"_ _4\"></span>acteristics o<span class=\"_ _4\"></span>f the financial instruments<span class=\"_ _4\"></span>. In accordance with IFRS 9<span class=\"_ _3\"></span>, the Group<span class=\"_ _311\"> </span>classifies financial assets int<span class=\"_ _4\"></span>o one of three measurement c<span class=\"_ _4\"></span>ategories:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">Amortised c<span class=\"_ _0\"></span>ost</span> \u2013 assets in a business mo<span class=\"_ _4\"></span>del to hold financial assets in order to collect<span class=\"_ _311\"> </span>contr<span class=\"_ _4\"></span>actual cash flows<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial asset give rise on<span class=\"_ _311\"> </span>specified dates to cash flo<span class=\"_ _4\"></span>ws that are solely payment<span class=\"_ _4\"></span>s of principal and interes<span class=\"_ _4\"></span>t (SPPI) on the<span class=\"_ _311\"> </span>principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1 ls88 ws8d\">F<span class=\"_ _0\"></span>VO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span></span> \u2013 assets held in a business model which collects contr<span class=\"_ _4\"></span>actual cash flows and sells<span class=\"_ _311\"> </span>financial assets<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial assets give rise on specified<span class=\"_ _311\"> </span>dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">FV<span class=\"_ _0\"></span>TPL</span> \u2013 assets not me<span class=\"_ _4\"></span>asured at amortised cost or FV<span class=\"_ _4\"></span>OCI. The Group measures derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>an acquired mortgage portfolio and an inv<span class=\"_ _4\"></span>estment security under this cat<span class=\"_ _4\"></span>egory.<span class=\"_ _311\"> </span>The Group reassesses it<span class=\"_ _4\"></span>s business models each reporting period.<span class=\"_ _311\"> </span>The Group classifies non-derivativ<span class=\"_ _4\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _311\"> </span>The Group classifies certain financial instrumen<span class=\"_ _4\"></span>ts as equity where they meet the follo<span class=\"_ _4\"></span>wing<span class=\"_ _311\"> </span>conditions:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t includes no contractual obligation to deliv<span class=\"_ _4\"></span>er cash or another<span class=\"_ _311\"> </span>financial asset on potentially unf<span class=\"_ _4\"></span>avourable conditions;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t is a non-derivative that includes no contr<span class=\"_ _4\"></span>actual obligation for the<span class=\"_ _311\"> </span>issuer to deliver a v<span class=\"_ _4\"></span>ariable number of its own equity ins<span class=\"_ _4\"></span>truments; or<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ls74\">the financial instrumen<span class=\"_ _4\"></span>t is a derivative that will be settled only by the issuer e<span class=\"_ _4\"></span>xchanging a fixed<span class=\"_ _311\"> </span></span>amount of cash or another financial asse<span class=\"_ _4\"></span>t for a fixed number of its o<span class=\"_ _4\"></span>wn equity instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s sources of debt funding ar<span class=\"_ _4\"></span>e deposits from retail cus<span class=\"_ _4\"></span>tomers and cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, including collateralise<span class=\"_ _4\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _1\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _4\"></span>or SMEs (<span class=\"_ _0\"></span>TFSME), asset-back<span class=\"_ _1\"></span>ed loan notes issued through the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes, subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes. Cash receive<span class=\"_ _4\"></span>d under the TFSME is recorded in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to credit ins<span class=\"_ _4\"></span>titutions. Financial liabilities including the Sterling Perpetual Subor<span class=\"_ _4\"></span>dinated Bonds (PSBs) and Tier 2 instrumen<span class=\"_ _4\"></span>ts where the terms allo<span class=\"_ _4\"></span>w no absolute discretion ov<span class=\"_ _4\"></span>er the payment of inter<span class=\"_ _4\"></span>est. During the year equity financial ins<span class=\"_ _4\"></span>truments comprised own shar<span class=\"_ _4\"></span>es and A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities are designated as equity ins<span class=\"_ _4\"></span>truments and r<span class=\"_ _4\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _4\"></span>al costs directly attribut<span class=\"_ _4\"></span>able to the issuance of equity instrumen<span class=\"_ _4\"></span>ts. Accor<span class=\"_ _4\"></span>dingly, the coupons paid on A<span class=\"_ _4\"></span>T1 securities are recognised dir<span class=\"_ _4\"></span>ectly in retained earnings when paid.<span class=\"_ _311\"> </span>iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span>The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span>principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span>asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span>The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span>iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>v<span class=\"_ _4\"></span>.<span class=\"_ _18b\"> </span>Amortised cost me<span class=\"_ _0\"></span>asurement<span class=\"_ _311\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _4\"></span>t at which the financial<span class=\"_ _311\"> </span>asset or financial liability is measured at initial r<span class=\"_ _4\"></span>ecognition, less principal payments or receipts<span class=\"_ _4\"></span>,<span class=\"_ _311\"> </span>plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _4\"></span>een the<span class=\"_ _311\"> </span>initial amount recognise<span class=\"_ _4\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _4\"></span>t of<span class=\"_ _311\"> </span>assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span>orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span>in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using quoted mark<span class=\"_ _1\"></span>et prices where available. If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span>vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span>The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span>The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span>The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span>IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span>Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span>The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span>Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span>At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span>Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span>The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. \u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent on whether the SICR applies.<span class=\"_ _311\"> </span>Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span>The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span>changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span>The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span>The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span>The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span>Intercompany loans<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span>x) Le<span class=\"_ _0\"></span>ases<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s leases are pre<span class=\"_ _4\"></span>dominantly for offices and Kent R<span class=\"_ _4\"></span>eliance branches where the Group is a lessee. A<span class=\"_ _4\"></span>t lease commencement date, the Gr<span class=\"_ _4\"></span>oup recognises the right-of-use asset and lease liability on the st<span class=\"_ _4\"></span>atement of financial position, ex<span class=\"_ _4\"></span>cept for leases of lo<span class=\"_ _4\"></span>w-<span class=\"_ _4\"></span>value assets and short-term leases of 12 month or less ar<span class=\"_ _4\"></span>e recognised directly in profit or loss on a s<span class=\"_ _4\"></span>traigh<span class=\"_ _4\"></span>t-line basis ov<span class=\"_ _4\"></span>er the lease term.<span class=\"_ _311\"> </span>Le<span class=\"_ _4\"></span>ase liability payments are recognised within financing activities in the Consolidat<span class=\"_ _4\"></span>ed Statemen<span class=\"_ _4\"></span>t of Cash Flows<span class=\"_ _4\"></span>. The Group assesses the lik<span class=\"_ _1\"></span>ely impact of early terminations in recognising the right-o<span class=\"_ _4\"></span>f-use asset and lease liability where an option to t<span class=\"_ _4\"></span>erminate early exis<span class=\"_ _4\"></span>ts. For modifications that increase the length o<span class=\"_ _4\"></span>f a lease; the modified lease term is determined and the lease liability remeasur<span class=\"_ _4\"></span>ed by discounting the revise<span class=\"_ _4\"></span>d lease payments using a re<span class=\"_ _4\"></span>vised discount r<span class=\"_ _4\"></span>ate, at the effective date o<span class=\"_ _4\"></span>f the lease modification; a corresponding adjus<span class=\"_ _4\"></span>tment is made to the right-o<span class=\"_ _4\"></span>f-use asset. Where modifications decrease the length of a le<span class=\"_ _4\"></span>ase, the lease liability and right-of-use asset ar<span class=\"_ _4\"></span>e reduced in proportion to the reduction in the le<span class=\"_ _4\"></span>ase term, with any gain or loss recognised in pr<span class=\"_ _4\"></span>ofit or loss.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-414": {
   "value": "n<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Financi<span class=\"_ _0\"></span>al instruments<span class=\"_ _311\"> </span>i. Recognition<span class=\"_ _311\"> </span>The Group initially recognises lo<span class=\"_ _4\"></span>ans and advances, deposits<span class=\"_ _4\"></span>, debt securities issued and<span class=\"_ _311\"> </span>subordinate<span class=\"_ _4\"></span>d liabilities on the date on which they are originated or acquir<span class=\"_ _4\"></span>ed. All other financial<span class=\"_ _311\"> </span>instrumen<span class=\"_ _4\"></span>ts are accounted f<span class=\"_ _4\"></span>or on the trade date which is when the Group becomes a party to<span class=\"_ _311\"> </span>the contr<span class=\"_ _4\"></span>actual provisions of the ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span>For financial instrumen<span class=\"_ _4\"></span>ts classified as amortised cost or FV<span class=\"_ _4\"></span>OCI, the Group initially recognises financial assets and financial liabilities at fair v<span class=\"_ _4\"></span>alue plus transaction income or costs that ar<span class=\"_ _4\"></span>e directly attributable to it<span class=\"_ _4\"></span>s origination, acquisition or issue. Financial ins<span class=\"_ _4\"></span>truments classified as amortised cost are subsequen<span class=\"_ _4\"></span>tly measured using the EIR method. T<span class=\"_ _1\"></span>ransaction cost<span class=\"_ _4\"></span>s directly attributable to the acquisition or issue of a financial ins<span class=\"_ _4\"></span>trument at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> are recognised in pro<span class=\"_ _4\"></span>fit or loss as incurred. ii. Classification<span class=\"_ _311\"> </span>The Group classifies financial ins<span class=\"_ _4\"></span>truments based on the business model and the contr<span class=\"_ _4\"></span>actual<span class=\"_ _311\"> </span>cash flow char<span class=\"_ _4\"></span>acteristics o<span class=\"_ _4\"></span>f the financial instruments<span class=\"_ _4\"></span>. In accordance with IFRS 9<span class=\"_ _3\"></span>, the Group<span class=\"_ _311\"> </span>classifies financial assets int<span class=\"_ _4\"></span>o one of three measurement c<span class=\"_ _4\"></span>ategories:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">Amortised c<span class=\"_ _0\"></span>ost</span> \u2013 assets in a business mo<span class=\"_ _4\"></span>del to hold financial assets in order to collect<span class=\"_ _311\"> </span>contr<span class=\"_ _4\"></span>actual cash flows<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial asset give rise on<span class=\"_ _311\"> </span>specified dates to cash flo<span class=\"_ _4\"></span>ws that are solely payment<span class=\"_ _4\"></span>s of principal and interes<span class=\"_ _4\"></span>t (SPPI) on the<span class=\"_ _311\"> </span>principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1 ls88 ws8d\">F<span class=\"_ _0\"></span>VO<span class=\"_ _0\"></span>CI<span class=\"_ _0\"></span></span> \u2013 assets held in a business model which collects contr<span class=\"_ _4\"></span>actual cash flows and sells<span class=\"_ _311\"> </span>financial assets<span class=\"_ _4\"></span>, where the contractual t<span class=\"_ _4\"></span>erms of the financial assets give rise on specified<span class=\"_ _311\"> </span>dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding.<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ff1\">FV<span class=\"_ _0\"></span>TPL</span> \u2013 assets not me<span class=\"_ _4\"></span>asured at amortised cost or FV<span class=\"_ _4\"></span>OCI. The Group measures derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>an acquired mortgage portfolio and an inv<span class=\"_ _4\"></span>estment security under this cat<span class=\"_ _4\"></span>egory.<span class=\"_ _311\"> </span>The Group reassesses it<span class=\"_ _4\"></span>s business models each reporting period.<span class=\"_ _311\"> </span>The Group classifies non-derivativ<span class=\"_ _4\"></span>e financial liabilities as measured at amortised cost.<span class=\"_ _311\"> </span>The Group classifies certain financial instrumen<span class=\"_ _4\"></span>ts as equity where they meet the follo<span class=\"_ _4\"></span>wing<span class=\"_ _311\"> </span>conditions:<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t includes no contractual obligation to deliv<span class=\"_ _4\"></span>er cash or another<span class=\"_ _311\"> </span>financial asset on potentially unf<span class=\"_ _4\"></span>avourable conditions;<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span>the financial instrumen<span class=\"_ _4\"></span>t is a non-derivative that includes no contr<span class=\"_ _4\"></span>actual obligation for the<span class=\"_ _311\"> </span>issuer to deliver a v<span class=\"_ _4\"></span>ariable number of its own equity ins<span class=\"_ _4\"></span>truments; or<span class=\"_ _311\"> </span>\u2022<span class=\"_ _13\"> </span><span class=\"ls74\">the financial instrumen<span class=\"_ _4\"></span>t is a derivative that will be settled only by the issuer e<span class=\"_ _4\"></span>xchanging a fixed<span class=\"_ _311\"> </span></span>amount of cash or another financial asse<span class=\"_ _4\"></span>t for a fixed number of its o<span class=\"_ _4\"></span>wn equity instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s sources of debt funding ar<span class=\"_ _4\"></span>e deposits from retail cus<span class=\"_ _4\"></span>tomers and cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, including collateralise<span class=\"_ _4\"></span>d loan advances from the Bank of England (BoE) under the T<span class=\"_ _1\"></span>erm Funding Scheme with additional incentives f<span class=\"_ _4\"></span>or SMEs (<span class=\"_ _0\"></span>TFSME), asset-back<span class=\"_ _1\"></span>ed loan notes issued through the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes, subordinat<span class=\"_ _4\"></span>ed liabilities and senior notes. Cash receive<span class=\"_ _4\"></span>d under the TFSME is recorded in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to credit ins<span class=\"_ _4\"></span>titutions. Financial liabilities including the Sterling Perpetual Subor<span class=\"_ _4\"></span>dinated Bonds (PSBs) and Tier 2 instrumen<span class=\"_ _4\"></span>ts where the terms allo<span class=\"_ _4\"></span>w no absolute discretion ov<span class=\"_ _4\"></span>er the payment of inter<span class=\"_ _4\"></span>est. During the year equity financial ins<span class=\"_ _4\"></span>truments comprised own shar<span class=\"_ _4\"></span>es and A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities are designated as equity ins<span class=\"_ _4\"></span>truments and r<span class=\"_ _4\"></span>ecognised at fair value on the date of issuance in equity along with increment<span class=\"_ _4\"></span>al costs directly attribut<span class=\"_ _4\"></span>able to the issuance of equity instrumen<span class=\"_ _4\"></span>ts. Accor<span class=\"_ _4\"></span>dingly, the coupons paid on A<span class=\"_ _4\"></span>T1 securities are recognised dir<span class=\"_ _4\"></span>ectly in retained earnings when paid.<span class=\"_ _311\"> </span>iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span>The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span>principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span>asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span>The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span>iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>v<span class=\"_ _4\"></span>.<span class=\"_ _18b\"> </span>Amortised cost me<span class=\"_ _0\"></span>asurement<span class=\"_ _311\"> </span>The amortised cost of a financial asset or financial liability is the amoun<span class=\"_ _4\"></span>t at which the financial<span class=\"_ _311\"> </span>asset or financial liability is measured at initial r<span class=\"_ _4\"></span>ecognition, less principal payments or receipts<span class=\"_ _4\"></span>,<span class=\"_ _311\"> </span>plus or minus the cumulative amortisation using the EIR method of any difference betw<span class=\"_ _4\"></span>een the<span class=\"_ _311\"> </span>initial amount recognise<span class=\"_ _4\"></span>d and the maturity amount, minus any reduction for impairmen<span class=\"_ _4\"></span>t of<span class=\"_ _311\"> </span>assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span>orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span>in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using quoted mark<span class=\"_ _1\"></span>et prices where available. If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span>vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span>The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span>The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span>The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span>IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span>Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span>The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span>Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span>At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span>Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span>The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. \u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent on whether the SICR applies.<span class=\"_ _311\"> </span>Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span>The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span>changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span>The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span>The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span>The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span>Period over whi<span class=\"_ _0\"></span>ch ECL is me<span class=\"_ _0\"></span>asured ECL is me<span class=\"_ _4\"></span>asured from the initial recognition of the asse<span class=\"_ _4\"></span>t which is the date at which the loan is originated or the date a loan is pur<span class=\"_ _4\"></span>chased and at each balance sheet date thereafter<span class=\"_ _1\"></span>. The maximum period considered when measuring ECL<span class=\"_ _4\"></span> (either 12 months or lif<span class=\"_ _4\"></span>etime ECL) is the maximum contr<span class=\"_ _4\"></span>actual period over which the Gr<span class=\"_ _4\"></span>oup is exposed to the credit risk o<span class=\"_ _4\"></span>f the asset. For modelling purposes<span class=\"_ _4\"></span>, the Group considers the contr<span class=\"_ _4\"></span>actual maturity of the loan product and then considers the behaviour<span class=\"_ _4\"></span>al trends of the asset.<span class=\"_ _311\"> </span>Purchas<span class=\"_ _0\"></span>ed or origi<span class=\"_ _0\"></span>nated credit im<span class=\"_ _0\"></span>paired (PO<span class=\"_ _0\"></span>CI)<span class=\"_ _311\"> </span>Acquired lo<span class=\"_ _4\"></span>ans that meet the Group\u2019<span class=\"_ _1\"></span>s definition of de<span class=\"_ _4\"></span>fault (90 days past due or an unlik<span class=\"_ _1\"></span>ely to pay position) at acquisition are tre<span class=\"_ _4\"></span>ated as POCI assets. These asset<span class=\"_ _4\"></span>s attract a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance over the full t<span class=\"_ _4\"></span>erm of the loan, ev<span class=\"_ _4\"></span>en when these loans no longer meet the definition of default pos<span class=\"_ _4\"></span>t-acquisition. The Group does not originate cre<span class=\"_ _4\"></span>dit-impaired loans.<span class=\"_ _311\"> </span>Wr<span class=\"_ _4\"></span>ite-<span class=\"_ _0\"></span>off<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans are written off against the relate<span class=\"_ _4\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _4\"></span>emaining. Subsequent recov<span class=\"_ _4\"></span>eries of amounts pre<span class=\"_ _4\"></span>viously written off are tak<span class=\"_ _1\"></span>en through profit and loss<span class=\"_ _4\"></span>. Accounts that are der<span class=\"_ _4\"></span>ecognised for accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _4\"></span>es are only discontinued follo<span class=\"_ _4\"></span>wing approval fr<span class=\"_ _4\"></span>om the Group Chief Credit Officer<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Intercompany loans<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span>o<span class=\"_ _4\"></span>)<span class=\"_ _32\"> </span>Loan<span class=\"_ _0\"></span>s and advance<span class=\"_ _0\"></span>s to custome<span class=\"_ _0\"></span>rs<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s are predominantly mortgage loans and adv<span class=\"_ _4\"></span>ances to<span class=\"_ _311\"> </span>cust<span class=\"_ _4\"></span>omers with fixed or determinable paymen<span class=\"_ _4\"></span>ts that are not quoted in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et and<span class=\"_ _311\"> </span>that the Group does not int<span class=\"_ _4\"></span>end to sell in the near term. They are initially recor<span class=\"_ _4\"></span>ded at fair value<span class=\"_ _311\"> </span>plus any directly attributable tr<span class=\"_ _4\"></span>ansaction costs and ar<span class=\"_ _4\"></span>e subsequently measured at amortised<span class=\"_ _311\"> </span>cost using the EIR method, less impairmen<span class=\"_ _4\"></span>t losses. Where e<span class=\"_ _4\"></span>xposures are hedged by derivativ<span class=\"_ _4\"></span>es,<span class=\"_ _311\"> </span>designated and qualifying as fair v<span class=\"_ _4\"></span>alue hedges, the fair v<span class=\"_ _4\"></span>alue adjustment for the hedge<span class=\"_ _4\"></span>d risk<span class=\"_ _311\"> </span>to the carrying value o<span class=\"_ _4\"></span>f the hedged loans and advances is reported in fair v<span class=\"_ _4\"></span>alue adjustments<span class=\"_ _311\"> </span>for hedged asset<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and the related pro<span class=\"_ _4\"></span>vision are written off when there is a shortfall remaining after the underlying security is sold. Subsequent reco<span class=\"_ _4\"></span>veries of amount<span class=\"_ _4\"></span>s previously written off are tak<span class=\"_ _1\"></span>en through pro<span class=\"_ _4\"></span>fit or loss.<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s over which the Gr<span class=\"_ _4\"></span>oup transfer<span class=\"_ _4\"></span>s its rights to the collater<span class=\"_ _4\"></span>al thereon to the BoE under the TFSME and IL<span class=\"_ _3\"></span>TR schemes are not derecognised fr<span class=\"_ _4\"></span>om the Consolidated Stat<span class=\"_ _4\"></span>ement of Financial Position, as the Group ret<span class=\"_ _4\"></span>ains substantially all the risk<span class=\"_ _1\"></span>s and re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership<span class=\"_ _4\"></span>, including all cash flows arising from the loans and adv<span class=\"_ _4\"></span>ances and exposure t<span class=\"_ _4\"></span>o credit risk. The Group classifies TF<span class=\"_ _4\"></span>SME and IL<span class=\"_ _1\"></span>TR as amor<span class=\"_ _0\"></span>tised cos<span class=\"_ _4\"></span>t under IFRS 9 Financial Instrumen<span class=\"_ _4\"></span>ts.<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s include a small acquired mortgage portfolio where the contr<span class=\"_ _4\"></span>actual cash flows include payment<span class=\"_ _4\"></span>s that are not SPPI and as such are measured at FVTPL. Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s include the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s asset finance lease lending. Finance leases are initially measur<span class=\"_ _4\"></span>ed at an amount equal to the net inv<span class=\"_ _4\"></span>estment in the le<span class=\"_ _4\"></span>ase, using the inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e implicit in the finance lease. Direct cos<span class=\"_ _4\"></span>ts are included in the initial measuremen<span class=\"_ _4\"></span>t of the net inv<span class=\"_ _4\"></span>estment in the le<span class=\"_ _4\"></span>ase and reduce the amount of income recognise<span class=\"_ _4\"></span>d over the lease term. Finance income is recognised o<span class=\"_ _4\"></span>ver the lease term, based on a patt<span class=\"_ _4\"></span>ern reflecting a constan<span class=\"_ _4\"></span>t periodic rate o<span class=\"_ _4\"></span>f return on the net inves<span class=\"_ _4\"></span>tment in the lease<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-469": {
   "value": "iii. Derec<span class=\"_ _0\"></span>ognition<span class=\"_ _311\"> </span>The Group offers r<span class=\"_ _4\"></span>efinancing options to cust<span class=\"_ _4\"></span>omers which have been assessed within the<span class=\"_ _311\"> </span>principles of IFRS 9 and r<span class=\"_ _4\"></span>elevant guidance<span class=\"_ _4\"></span>. The assessment concludes the original mortgage<span class=\"_ _311\"> </span>asset is derecognised at the r<span class=\"_ _4\"></span>efinancing point with a new financial asset r<span class=\"_ _4\"></span>ecognised.<span class=\"_ _311\"> </span>The forbear<span class=\"_ _4\"></span>ance measures offered by the Group ar<span class=\"_ _4\"></span>e considered a modification ev<span class=\"_ _4\"></span>ent as the contr<span class=\"_ _4\"></span>actual cash flows are r<span class=\"_ _4\"></span>enegotiated or otherwise modified. The Group consider<span class=\"_ _4\"></span>s the renegotiate<span class=\"_ _4\"></span>d or modified cash flows ar<span class=\"_ _4\"></span>e not a substantial mo<span class=\"_ _4\"></span>dification from the contractual cash flow<span class=\"_ _4\"></span>s and does not consider that forbearance measures giv<span class=\"_ _4\"></span>e rise to a derecognition e<span class=\"_ _4\"></span>vent. Financial liabilities are derecognise<span class=\"_ _4\"></span>d only when the obligation is discharged, cancelled or has<span class=\"_ gs27\"> </span>expire<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-470": {
   "value": "iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-516": {
   "value": "iv<span class=\"_ _4\"></span>. Of<span class=\"_ _0\"></span>fsetting<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s derivatives ar<span class=\"_ _4\"></span>e cover<span class=\"_ _4\"></span>ed by industry st<span class=\"_ _4\"></span>andard mast<span class=\"_ _4\"></span>er netting agreements<span class=\"_ _4\"></span>. Master<span class=\"_ _311\"> </span>netting agreement<span class=\"_ _4\"></span>s create a right of set-o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f that becomes enfor<span class=\"_ _4\"></span>ceable only following a<span class=\"_ _311\"> </span>specified ev<span class=\"_ _4\"></span>ent of default or in other cir<span class=\"_ _4\"></span>cumstances not e<span class=\"_ _4\"></span>xpected to arise in the normal course<span class=\"_ _311\"> </span>of business<span class=\"_ _4\"></span>. These arrangements do not qualify f<span class=\"_ _4\"></span>or of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>setting and as such the Group reports<span class=\"_ _311\"> </span>derivatives on a gr<span class=\"_ _4\"></span>oss basis.<span class=\"_ _311\"> </span>Collateral in r<span class=\"_ _4\"></span>espect of derivatives is subject to the s<span class=\"_ _4\"></span>tandard indus<span class=\"_ _4\"></span>try terms of Int<span class=\"_ _4\"></span>ernational Swaps and Derivativ<span class=\"_ _4\"></span>es Association (ISDA) Credit Support Annex<span class=\"_ _4\"></span>. This means that the cash receive<span class=\"_ _4\"></span>d or given as collateral can be ple<span class=\"_ _4\"></span>dged or used during the term of the transaction but must be r<span class=\"_ _4\"></span>eturned on maturity of the transaction. The terms also giv<span class=\"_ _4\"></span>e each counterparty the right to terminat<span class=\"_ _4\"></span>e the related transac<span class=\"_ _4\"></span>tions upon the counterparty\u2019<span class=\"_ _1\"></span>s failure to post collat<span class=\"_ _4\"></span>eral. Collateral paid or r<span class=\"_ _4\"></span>eceived does not qualify for offsetting and is recognise<span class=\"_ _4\"></span>d in loans and advances to cre<span class=\"_ _4\"></span>dit institutions and amounts o<span class=\"_ _4\"></span>wed to cr<span class=\"_ _4\"></span>edit institutions<span class=\"_ _4\"></span>, respectively.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-471": {
   "value": "vi.<span class=\"_ _11\"> </span>Fair value m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Fair value is the price that w<span class=\"_ _4\"></span>ould be received to sell an asset or paid t<span class=\"_ _4\"></span>o transfer a liability in an<span class=\"_ _311\"> </span>orderly tr<span class=\"_ _4\"></span>ansaction between mark<span class=\"_ _1\"></span>et par<span class=\"_ _0\"></span>ticipant<span class=\"_ _4\"></span>s at the measurement date in the principal or<span class=\"_ _1\"></span>,<span class=\"_ _311\"> </span>in its absence, the mos<span class=\"_ _4\"></span>t advantageous mark<span class=\"_ _1\"></span>et to which the Group has access at that date<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>When available<span class=\"_ _4\"></span>, the Group measures the fair value o<span class=\"_ _4\"></span>f an instrument using the quote<span class=\"_ _4\"></span>d price in an active mark<span class=\"_ _1\"></span>et for that instrument. A mark<span class=\"_ _1\"></span>et is regarde<span class=\"_ _4\"></span>d as active if transactions f<span class=\"_ _4\"></span>or the asset or liability tak<span class=\"_ _1\"></span>e plac<span class=\"_ _0\"></span>e with sufficient frequency and v<span class=\"_ _4\"></span>olume to pro<span class=\"_ _4\"></span>vide pricing information on an ongoing basis. The Gr<span class=\"_ _4\"></span>oup measures its inv<span class=\"_ _4\"></span>estment securities and PSBs at f<span class=\"_ _4\"></span>air value using quoted mark<span class=\"_ _1\"></span>et prices where available. If there is no quoted price in an activ<span class=\"_ _4\"></span>e mark<span class=\"_ _4\"></span>et, then the Group uses valuation techniques that maximise the use of rele<span class=\"_ _4\"></span>vant observable inputs and minimise the use of unobservable inputs<span class=\"_ _4\"></span>. The Group uses SONIA curves to value it<span class=\"_ _4\"></span>s derivatives<span class=\"_ _4\"></span>. The fair value of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s derivative financial instrumen<span class=\"_ _4\"></span>ts incorporates cre<span class=\"_ _4\"></span>dit valuation adjustment<span class=\"_ _4\"></span>s (CV<span class=\"_ _1\"></span>A) and debit valuation adjustmen<span class=\"_ _4\"></span>ts (DV<span class=\"_ _1\"></span>A). The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A tak<span class=\"_ _4\"></span>e into account the r<span class=\"_ _4\"></span>espective credit r<span class=\"_ _4\"></span>atings of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s two banking en<span class=\"_ _4\"></span>tities and counterparty and whether the derivative is collater<span class=\"_ _4\"></span>alised or not. Derivatives ar<span class=\"_ _4\"></span>e valued using discounted cash flo<span class=\"_ _4\"></span>w models and observable mark<span class=\"_ _4\"></span>et data and are sensitiv<span class=\"_ _4\"></span>e to benchmark interes<span class=\"_ _4\"></span>t and basis rate curves<span class=\"_ _4\"></span>. The fair value o<span class=\"_ _4\"></span>f inves<span class=\"_ _4\"></span>tment securities held at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _4\"></span> is measured using a discounted cash flow<span class=\"_ gs27\"> </span>model.<span class=\"_ _311\"> </span>w<span class=\"_ _4\"></span>) <span class=\"_ _17\"> </span>Share-based payments<span class=\"_ _311\"> </span>Equity-settled share-based paymen<span class=\"_ _4\"></span>ts to employees pro<span class=\"_ _4\"></span>viding ser<span class=\"_ _0\"></span>vices are measur<span class=\"_ _4\"></span>ed at the fair value o<span class=\"_ _4\"></span>f the equity instruments at the gr<span class=\"_ _4\"></span>ant date in accordance with IFR<span class=\"_ _4\"></span>S 2. The fair value ex<span class=\"_ _4\"></span>cludes the ef<span class=\"_ _0\"></span>fect o<span class=\"_ _4\"></span>f non-marke<span class=\"_ _4\"></span>t-based vesting conditions<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-472": {
   "value": "vii. <span class=\"_ _1a\"> </span>Identif<span class=\"_ _0\"></span>ication and m<span class=\"_ _0\"></span>easurem<span class=\"_ _0\"></span>ent of impairme<span class=\"_ _0\"></span>nt of financi<span class=\"_ _0\"></span>al assets<span class=\"_ _311\"> </span>The Group assesses all financial assets f<span class=\"_ _4\"></span>or impairment. Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>The Group uses the IFRS 9 thr<span class=\"_ _4\"></span>ee-stage ECL<span class=\"_ _4\"></span> approach for measuring impairment. The thr<span class=\"_ _4\"></span>ee impairment s<span class=\"_ _4\"></span>tages are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 1</span> \u2013 a 12 month ECL allo<span class=\"_ _4\"></span>wance is recognised wher<span class=\"_ _4\"></span>e there is no significant increase in credit risk (SICR) since initial recognition.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 2</span> \u2013 a lifetime ECL allo<span class=\"_ _4\"></span>wance is recognised f<span class=\"_ _4\"></span>or assets where a SICR is identified since initial recognition. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Stage 3</span> \u2013 requires objective e<span class=\"_ _4\"></span>vidence that an asset is credit impaired, at which poin<span class=\"_ _4\"></span>t a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance is recognised.<span class=\"_ _311\"> </span>The Group measures impairmen<span class=\"_ _4\"></span>t through the use of individual and modelled assessmen<span class=\"_ _4\"></span>ts. Individual<span class=\"_ _4\"></span> assessment<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s provisioning pr<span class=\"_ _4\"></span>ocess requires individual assessment f<span class=\"_ _4\"></span>or high exposure or higher risk loans<span class=\"_ _4\"></span>, where Law o<span class=\"_ _4\"></span>f Property Act (LP<span class=\"_ _4\"></span>A) receivers hav<span class=\"_ _4\"></span>e been appointed, the property is tak<span class=\"_ _4\"></span>en into possession or ther<span class=\"_ _4\"></span>e are other even<span class=\"_ _4\"></span>ts that suggest a high probability o<span class=\"_ _4\"></span>f credit loss. The individual assessments ar<span class=\"_ _4\"></span>e carried out for all the loans associated with one count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ty. The Group es<span class=\"_ _4\"></span>timates cash flows fr<span class=\"_ _4\"></span>om these loans, including expect<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t and principal payments<span class=\"_ _4\"></span>, rental or sale pr<span class=\"_ _4\"></span>oceeds, selling and other cost<span class=\"_ _4\"></span>s. For all individually assessed loans<span class=\"_ _4\"></span>, should the present value of es<span class=\"_ _4\"></span>timated future cash flo<span class=\"_ _4\"></span>ws discounted at the original EIR be less than the carrying v<span class=\"_ _4\"></span>alue of the loan, a provision is recognised for the difference with such loans being classifie<span class=\"_ _4\"></span>d as impaired. How<span class=\"_ _4\"></span>ever<span class=\"_ _1\"></span>, should the present v<span class=\"_ _4\"></span>alue of the estimated futur<span class=\"_ _4\"></span>e cash flows e<span class=\"_ _4\"></span>xceed the carrying value<span class=\"_ _4\"></span>, no provision is recognised. For all r<span class=\"_ _4\"></span>emaining individually assessed loans, should a full loss be expect<span class=\"_ _4\"></span>ed, the provision is se<span class=\"_ _4\"></span>t to the carrying value.<span class=\"_ _311\"> </span>The Group applies a modelled assessmen<span class=\"_ _4\"></span>t to all loans with no individually assessed provision.<span class=\"_ _311\"> </span>IFRS 9 mo<span class=\"_ _0\"></span>delled im<span class=\"_ _0\"></span>pairment<span class=\"_ _311\"> </span>Me<span class=\"_ _0\"></span>asureme<span class=\"_ _0\"></span>nt of E<span class=\"_ _4\"></span>C<span class=\"_ _0\"></span>L<span class=\"_ _311\"> </span>The assessment of cr<span class=\"_ _4\"></span>edit risk and the estimation of ECL<span class=\"_ _4\"></span> are unbiased and probability w<span class=\"_ _4\"></span>eighted. The ECL c<span class=\"_ _4\"></span>alculation is a product of an individual loan<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s probability of def<span class=\"_ _4\"></span>ault (PD), exposure at default (EAD<span class=\"_ _4\"></span>) and loss given default (L<span class=\"_ _1\"></span>GD) discounted at the EIR<span class=\"_ _4\"></span>. The ECL driver<span class=\"_ _4\"></span>s of PD<span class=\"_ _4\"></span>, EAD and L<span class=\"_ _1\"></span>GD are modelled at an account lev<span class=\"_ _4\"></span>el. The assessment of whether a SICR has occurred is based on quantitativ<span class=\"_ _4\"></span>e relative and absolute PD thr<span class=\"_ _4\"></span>esholds and a suite of qualitativ<span class=\"_ _4\"></span>e triggers.<span class=\"_ _311\"> </span>Sig<span class=\"_ _0\"></span>nificant inc<span class=\"_ _0\"></span>r<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>ase in cre<span class=\"_ _0\"></span>dit risk (<span class=\"_ _4\"></span>movem<span class=\"_ _0\"></span>ent to stage 2)<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s transf<span class=\"_ _4\"></span>er criteria determine what constitutes a SICR<span class=\"_ _4\"></span>, which results in an exposur<span class=\"_ _4\"></span>e being mov<span class=\"_ _4\"></span>ed from st<span class=\"_ _4\"></span>age 1 to stage 2.<span class=\"_ _311\"> </span>At the point o<span class=\"_ _4\"></span>f initial recognition, a loan is assigned a PD es<span class=\"_ _4\"></span>timate. For each monthly r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting date thereafter<span class=\"_ _1\"></span>, an updated PD es<span class=\"_ _4\"></span>timate is computed. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s transfer criteria analyse relativ<span class=\"_ _4\"></span>e and absolute changes in PD versus the PD assigned at the poin<span class=\"_ _4\"></span>t of origination, together with qualitativ<span class=\"_ _4\"></span>e triggers using both internal indic<span class=\"_ _4\"></span>ators<span class=\"_ _4\"></span>, such as forbearance<span class=\"_ _4\"></span>, and external inf<span class=\"_ _4\"></span>ormation, such as changes in income and adverse cr<span class=\"_ _4\"></span>edit information to assess for SICR. In the e<span class=\"_ _4\"></span>vent that giv<span class=\"_ _4\"></span>en early warning triggers hav<span class=\"_ _4\"></span>e not already identified SICR<span class=\"_ _4\"></span>, an account more than 30 days pas<span class=\"_ _4\"></span>t due is considered to hav<span class=\"_ _4\"></span>e experienced a SICR.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e back into st<span class=\"_ _4\"></span>age 1 only if the SICR definition is no longer triggered.<span class=\"_ _311\"> </span>Defin<span class=\"_ _0\"></span>ition of default (<span class=\"_ _4\"></span>move<span class=\"_ _0\"></span>ment to stage 3)<span class=\"_ _311\"> </span>The Group uses a number of quan<span class=\"_ _4\"></span>titative and qualitativ<span class=\"_ _4\"></span>e criteria to determine whether an account meets the definition of de<span class=\"_ _4\"></span>fault and therefor<span class=\"_ _4\"></span>e moves to s<span class=\"_ _4\"></span>tage 3. The crit<span class=\"_ _4\"></span>eria currently include:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>If an ac<span class=\"_ _0\"></span>coun<span class=\"_ _4\"></span>t is more than 90 days past due<span class=\"_ _4\"></span>. \u2022 <span class=\"_ _26\"> </span>Accounts that have mov<span class=\"_ _4\"></span>ed into an unlik<span class=\"_ _1\"></span>ely to pay position, which includes some forbear<span class=\"_ _4\"></span>ance, bankruptcy, repossession and int<span class=\"_ _4\"></span>erest-only term e<span class=\"_ _4\"></span>xpiry.<span class=\"_ _311\"> </span>A borro<span class=\"_ _4\"></span>wer will mov<span class=\"_ _4\"></span>e out of stage 3 when it<span class=\"_ _4\"></span>s credit risk improv<span class=\"_ _4\"></span>es such that it no longer meets the 90 days past due and unlik<span class=\"_ _1\"></span>ely to pay criteria and follo<span class=\"_ _4\"></span>wing this has completed an internally appr<span class=\"_ _4\"></span>oved pr<span class=\"_ _4\"></span>obation period. The borrow<span class=\"_ _4\"></span>er will move t<span class=\"_ _4\"></span>o stage 1 or s<span class=\"_ _4\"></span>tage 2 dependent on whether the SICR applies.<span class=\"_ _311\"> </span>Forwar<span class=\"_ _4\"></span>d-look<span class=\"_ _4\"></span>ing macroeconomic scenarios<span class=\"_ _311\"> </span>The risk of def<span class=\"_ _4\"></span>ault and ECL assessments t<span class=\"_ _4\"></span>ake in<span class=\"_ _4\"></span>to consideration expectations o<span class=\"_ _4\"></span>f economic<span class=\"_ _311\"> </span>changes that are deemed to be r<span class=\"_ _4\"></span>easonably possible.<span class=\"_ _311\"> </span>The Group conducts analysis to de<span class=\"_ _4\"></span>termine the most significant f<span class=\"_ _4\"></span>actors which may influence the lik<span class=\"_ _4\"></span>elihood of an exposur<span class=\"_ _4\"></span>e defaulting in the future<span class=\"_ _4\"></span>. The macroeconomic factors r<span class=\"_ _4\"></span>elate to the House Price Index (HPI), unemployment r<span class=\"_ _4\"></span>ate (UR), Consumer Price Index (CPI), Gr<span class=\"_ _4\"></span>oss Domestic Product (GDP<span class=\"_ _4\"></span>), Commercial Real Es<span class=\"_ _4\"></span>tate Index (CRE) and the Bank o<span class=\"_ _4\"></span>f England Base Rate (BBR).<span class=\"_ _311\"> </span>The Group has dev<span class=\"_ _4\"></span>eloped an approach for f<span class=\"_ _4\"></span>actoring probability-w<span class=\"_ _4\"></span>eighted macroeconomic forecas<span class=\"_ _4\"></span>ts into ECL<span class=\"_ _4\"></span> calculations, adjus<span class=\"_ _4\"></span>ting PD and L<span class=\"_ _4\"></span>GD estimat<span class=\"_ _4\"></span>es. The macroeconomic scenarios feed directly in<span class=\"_ _4\"></span>to the ECL calculation, as the adjus<span class=\"_ _4\"></span>ted PD<span class=\"_ _4\"></span>, lifetime PD and L<span class=\"_ _1\"></span>GD estimat<span class=\"_ _4\"></span>es are used within the individual account ECL allo<span class=\"_ _4\"></span>wance calculations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group sources economic for<span class=\"_ _4\"></span>ecast information fr<span class=\"_ _4\"></span>om an appropriately qualified thir<span class=\"_ _4\"></span>d par<span class=\"_ _0\"></span>ty when determining scenarios<span class=\"_ _4\"></span>. The Group considers four pr<span class=\"_ _4\"></span>obability-weight<span class=\"_ _4\"></span>ed scenarios, base, upside, do<span class=\"_ _4\"></span>wnside and sever<span class=\"_ _4\"></span>e downside scenarios. The e<span class=\"_ _4\"></span>xpected scenarios, managemen<span class=\"_ _4\"></span>t actions and results ar<span class=\"_ _4\"></span>e discussed and approv<span class=\"_ _4\"></span>ed by the Board.<span class=\"_ _311\"> </span>The base case is also utilised within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s impairment forecas<span class=\"_ _4\"></span>ting process which in turn feeds the wider business planning processes<span class=\"_ _4\"></span>. The ECL models ar<span class=\"_ _4\"></span>e also used to set the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s credit risk appetite thr<span class=\"_ _4\"></span>esholds and limits.<span class=\"_ _311\"> </span>Period over whi<span class=\"_ _0\"></span>ch ECL is me<span class=\"_ _0\"></span>asured ECL is me<span class=\"_ _4\"></span>asured from the initial recognition of the asse<span class=\"_ _4\"></span>t which is the date at which the loan is originated or the date a loan is pur<span class=\"_ _4\"></span>chased and at each balance sheet date thereafter<span class=\"_ _1\"></span>. The maximum period considered when measuring ECL<span class=\"_ _4\"></span> (either 12 months or lif<span class=\"_ _4\"></span>etime ECL) is the maximum contr<span class=\"_ _4\"></span>actual period over which the Gr<span class=\"_ _4\"></span>oup is exposed to the credit risk o<span class=\"_ _4\"></span>f the asset. For modelling purposes<span class=\"_ _4\"></span>, the Group considers the contr<span class=\"_ _4\"></span>actual maturity of the loan product and then considers the behaviour<span class=\"_ _4\"></span>al trends of the asset.<span class=\"_ _311\"> </span>Purchas<span class=\"_ _0\"></span>ed or origi<span class=\"_ _0\"></span>nated credit im<span class=\"_ _0\"></span>paired (PO<span class=\"_ _0\"></span>CI)<span class=\"_ _311\"> </span>Acquired lo<span class=\"_ _4\"></span>ans that meet the Group\u2019<span class=\"_ _1\"></span>s definition of de<span class=\"_ _4\"></span>fault (90 days past due or an unlik<span class=\"_ _1\"></span>ely to pay position) at acquisition are tre<span class=\"_ _4\"></span>ated as POCI assets. These asset<span class=\"_ _4\"></span>s attract a lifetime ECL<span class=\"_ _4\"></span> allow<span class=\"_ _4\"></span>ance over the full t<span class=\"_ _4\"></span>erm of the loan, ev<span class=\"_ _4\"></span>en when these loans no longer meet the definition of default pos<span class=\"_ _4\"></span>t-acquisition. The Group does not originate cre<span class=\"_ _4\"></span>dit-impaired loans.<span class=\"_ _311\"> </span>Wr<span class=\"_ _4\"></span>ite-<span class=\"_ _0\"></span>off<span class=\"_ _311\"> </span>Lo<span class=\"_ _4\"></span>ans are written off against the relate<span class=\"_ _4\"></span>d provision when the underlying security is sold and there is a shortfall amount r<span class=\"_ _4\"></span>emaining. Subsequent recov<span class=\"_ _4\"></span>eries of amounts pre<span class=\"_ _4\"></span>viously written off are tak<span class=\"_ _1\"></span>en through profit and loss<span class=\"_ _4\"></span>. Accounts that are der<span class=\"_ _4\"></span>ecognised for accounting purposes will continue to be serviced and corresponding collection procedur<span class=\"_ _4\"></span>es are only discontinued follo<span class=\"_ _4\"></span>wing approval fr<span class=\"_ _4\"></span>om the Group Chief Credit Officer<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Intercompany loans<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>company receivables in the Company financial statemen<span class=\"_ _4\"></span>ts are assessed for ECL<span class=\"_ _4\"></span> based on an assessment of the PD and L<span class=\"_ _1\"></span>GD<span class=\"_ _4\"></span>, discounted to a net pr<span class=\"_ _4\"></span>esent value. Other f<span class=\"_ _4\"></span>inancial assets<span class=\"_ _311\"> </span>Other financial assets comprise cash balances with the BoE and other credit ins<span class=\"_ _4\"></span>titutions and high grade in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities. The Group deems the lik<span class=\"_ _1\"></span>elihood of default across these counterparties as low and does not r<span class=\"_ _4\"></span>ecognise a provision agains<span class=\"_ _4\"></span>t the carrying balances. Sh<span class=\"_ _0\"></span>are re<span class=\"_ _0\"></span>purc<span class=\"_ _0\"></span>has<span class=\"_ _0\"></span>e Upon Board authorisation o<span class=\"_ _4\"></span>f a share repurchase pro<span class=\"_ _4\"></span>gramme and signing an irrev<span class=\"_ _4\"></span>ocable agreement, a shar<span class=\"_ _4\"></span>e repurchase liability is recognised in other liabilities with the o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fset in retained e<span class=\"_ _4\"></span>arnings. Each share r<span class=\"_ _4\"></span>epurchase reduces the pro<span class=\"_ _4\"></span>vision. Upon share cancellation, share capital is debit<span class=\"_ _4\"></span>ed with a credit to the capital r<span class=\"_ _4\"></span>edemption reserve equal to the nominal value of \u00a30<span class=\"_ _1\"></span>.01 for each shar<span class=\"_ _4\"></span>e cancelled.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-415": {
   "value": "p<span class=\"_ _4\"></span>) <span class=\"_ _124\"> </span>Investm<span class=\"_ _0\"></span>ent securiti<span class=\"_ _0\"></span>es<span class=\"_ _311\"> </span>Inv<span class=\"_ _4\"></span>estment securities include securities held for liquidity purposes (UK tr<span class=\"_ _4\"></span>easury bills, UK Gilts and Residential Mortgage-Back<span class=\"_ _1\"></span>ed Securities (RMBS)). These assets are non-derivativ<span class=\"_ _4\"></span>es that are classified on an individual basis as amortised cost, FV<span class=\"_ _4\"></span>OCI or FV<span class=\"_ _0\"></span>TPL.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-416": {
   "value": "q) <span class=\"_ _16\"> </span>Sale and repurcha<span class=\"_ _4\"></span>se agreements<span class=\"_ _311\"> </span>Financial assets sold subject to r<span class=\"_ _4\"></span>epurchase agreements (r<span class=\"_ _4\"></span>epo) continue to be recognised in the financial st<span class=\"_ _4\"></span>atements if they fail the derecognition crit<span class=\"_ _4\"></span>eria of IFRS 9 described in paragr<span class=\"_ _4\"></span>aph n) iii. abov<span class=\"_ _4\"></span>e. The financial assets that are r<span class=\"_ _4\"></span>etained in the financial stat<span class=\"_ _4\"></span>ements are re<span class=\"_ _4\"></span>flected as loans and advances to cus<span class=\"_ _4\"></span>tomers or in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities and the counterparty liability is included in amounts o<span class=\"_ _4\"></span>wed t<span class=\"_ _4\"></span>o credit institutions or other cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. Financial assets purchased under agreement<span class=\"_ _4\"></span>s to resell at a predetermined price wher<span class=\"_ _4\"></span>e the transaction is financing in nature (re<span class=\"_ _4\"></span>verse r<span class=\"_ _4\"></span>epo) are accounte<span class=\"_ _4\"></span>d for as loans and advances to credit ins<span class=\"_ _4\"></span>titutions. The difference between the sale and r<span class=\"_ _4\"></span>epurchase price is treated as int<span class=\"_ _4\"></span>erest and accrued o<span class=\"_ _4\"></span>ver the life of the agr<span class=\"_ _4\"></span>eement using the EIR method.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-499": {
   "value": "r) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>erivative f<span class=\"_ _0\"></span>inancial ins<span class=\"_ _0\"></span>truments The Group uses derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s (interes<span class=\"_ _4\"></span>t rate sw<span class=\"_ _4\"></span>aps) to manage its exposur<span class=\"_ _4\"></span>e to inter<span class=\"_ _4\"></span>est r<span class=\"_ _4\"></span>ate risk. The Group does not hold or issue derivativ<span class=\"_ _4\"></span>e financial instruments f<span class=\"_ _4\"></span>or proprietary tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span>The Group also uses derivativ<span class=\"_ _4\"></span>es to hedge the inter<span class=\"_ _4\"></span>est rate risk inher<span class=\"_ _4\"></span>ent in irrev<span class=\"_ _4\"></span>ocable offers to lend. This exposes the Gr<span class=\"_ _4\"></span>oup to movemen<span class=\"_ _4\"></span>ts in the fair value of deriv<span class=\"_ _4\"></span>atives until the loan is dra<span class=\"_ _4\"></span>wn. The changes to fair value are reco<span class=\"_ _4\"></span>gnised in profit or loss in the period. s<span class=\"_ _4\"></span>) <span class=\"_ _246\"> </span>Hedge accountin<span class=\"_ _4\"></span>g<span class=\"_ _311\"> </span>The Group has chosen to con<span class=\"_ _4\"></span>tinue to apply the hedge accounting requiremen<span class=\"_ _4\"></span>ts of IAS 39 inst<span class=\"_ _4\"></span>ead of the requiremen<span class=\"_ _4\"></span>ts in Chapter 6 of IFRS 9<span class=\"_ _3\"></span>. The Group uses fair value he<span class=\"_ _4\"></span>dge accounting for a portfolio hedge of in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. The hedging str<span class=\"_ _4\"></span>ategy of the Gr<span class=\"_ _4\"></span>oup is divided into portfolio hedges, wher<span class=\"_ _4\"></span>e the hedged item is a homogenous portfolio of assets (mortgage lending) or liabilities (savings produc<span class=\"_ _4\"></span>ts), and micro hedges<span class=\"_ _4\"></span>, where the hedged item is a dis<span class=\"_ _4\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _4\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>i. <span class=\"_ _27\"> </span>P<span class=\"_ _0\"></span>ortf<span class=\"_ _0\"></span>olio hedge<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Portfolio hedge accounting allo<span class=\"_ _4\"></span>ws for hedge effectiveness tes<span class=\"_ _4\"></span>ting and accounting ov<span class=\"_ _4\"></span>er an entire portfolio o<span class=\"_ _4\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _4\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _4\"></span>ed rate portfolio of mortgages and saving account<span class=\"_ _4\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _4\"></span>epricing time periods based on expected r<span class=\"_ _4\"></span>epricing dates, utilising the Group Assets and Liabilities Committee (AL<span class=\"_ _1\"></span>CO) approv<span class=\"_ _4\"></span>ed prepayment curve<span class=\"_ _4\"></span>. Interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>waps are designated agains<span class=\"_ _4\"></span>t the repricing time periods to es<span class=\"_ _4\"></span>tablish the hedge relationship.<span class=\"_ _311\"> </span>ii. <span class=\"_ _10\"> </span>Micro hedges<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s micro hedging s<span class=\"_ _4\"></span>trategy en<span class=\"_ _4\"></span>tails hedge accounting on an individual instrumen<span class=\"_ _4\"></span>t-<span class=\"_ _311\"> </span>by-instrumen<span class=\"_ _4\"></span>t basis, which in some ins<span class=\"_ _4\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _4\"></span>trument may be ex<span class=\"_ _4\"></span>ercised early. The Group applies fair v<span class=\"_ _4\"></span>alue micro hedge accounting to manage its e<span class=\"_ _4\"></span>xposure to the int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk arising from some of its fix<span class=\"_ _4\"></span>ed rate deb<span class=\"_ _4\"></span>t issuances. Inter<span class=\"_ _4\"></span>est rate s<span class=\"_ _4\"></span>waps are assigne<span class=\"_ _4\"></span>d to specific issuances of fixed r<span class=\"_ _4\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _311\"> </span>iii.<span class=\"_ _4\"></span> <span class=\"_ _18\"> </span>Hedge ef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span>Hedge effectiveness is calculat<span class=\"_ _4\"></span>ed as a percentage of the f<span class=\"_ _4\"></span>air value movemen<span class=\"_ _4\"></span>t of the interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>wap agains<span class=\"_ _4\"></span>t the fair value mov<span class=\"_ _4\"></span>ement of the hedged item o<span class=\"_ _4\"></span>ver the period tes<span class=\"_ _4\"></span>ted. The Group considers the f<span class=\"_ _4\"></span>ollowing as k<span class=\"_ _4\"></span>ey sources of hedge ine<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in maturity date of the sw<span class=\"_ _4\"></span>ap and hedged item, as sw<span class=\"_ _4\"></span>aps with a given maturity date cov<span class=\"_ _4\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _4\"></span>oughout the month;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the actual behaviour of the hedged item differing from expectations<span class=\"_ _4\"></span>, such as early repayment<span class=\"_ _4\"></span>s or withdraw<span class=\"_ _4\"></span>als and arrears;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>minimal movements in the yield curve le<span class=\"_ _4\"></span>ading to inef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ectiveness where hedge relationships are sensitiv<span class=\"_ _4\"></span>e to small value changes; and<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in the swap in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate and rate used t<span class=\"_ _4\"></span>o value the hedged item where the sw<span class=\"_ _4\"></span>ap rate is higher than the contr<span class=\"_ _4\"></span>actual rate o<span class=\"_ _4\"></span>f the hedged item. Where there is an e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e hedge relationship for fair v<span class=\"_ _4\"></span>alue hedges, the Group r<span class=\"_ _4\"></span>ecognises the change in fair value o<span class=\"_ _4\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _4\"></span>e movemen<span class=\"_ _4\"></span>t in their value being sho<span class=\"_ _4\"></span>wn separately in the Consolidated St<span class=\"_ _4\"></span>atement of Financial Position as fair v<span class=\"_ _4\"></span>alue adjustmen<span class=\"_ _4\"></span>ts on hedged assets and liabilities<span class=\"_ _4\"></span>. The fair value changes of both the derivativ<span class=\"_ _4\"></span>e and the hedge subst<span class=\"_ _4\"></span>antially offset each other to reduce pr<span class=\"_ _4\"></span>ofit volatility.<span class=\"_ _311\"> </span>The Group discontinues hedge accoun<span class=\"_ _4\"></span>ting when the derivative ceases through e<span class=\"_ _4\"></span>xpiry, when the derivative is c<span class=\"_ _4\"></span>ancelled or the underlying hedged item matures<span class=\"_ _4\"></span>, is sold or is repaid.<span class=\"_ _311\"> </span>If a derivative no longer meet<span class=\"_ _4\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _4\"></span>t still effective<span class=\"_ _4\"></span>, including LIBOR-link<span class=\"_ _4\"></span>ed derivatives cancelled as a result o<span class=\"_ _4\"></span>f IBOR reforms<span class=\"_ _4\"></span>, the fair value adjus<span class=\"_ _4\"></span>tment relating to the hedged asset<span class=\"_ _4\"></span>s or liabilities within the hedge relationship prior to the derivativ<span class=\"_ _4\"></span>e becoming inef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e or being cancelled remains on the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position and is amortised over the r<span class=\"_ _4\"></span>emaining life of the hedged assets or liabilities. The r<span class=\"_ _4\"></span>ate of amortisation over the r<span class=\"_ _4\"></span>emaining life is in line with expected income or cost gener<span class=\"_ _4\"></span>ated from the hedged asset<span class=\"_ _4\"></span>s or liabilities. Each reporting period, the expect<span class=\"_ _4\"></span>ation is compared to actual with an acceler<span class=\"_ _4\"></span>ated run-off applied where the two div<span class=\"_ _4\"></span>erge by more than set paramet<span class=\"_ _4\"></span>ers.<span class=\"_ _311\"> </span>t) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>ebit and cre<span class=\"_ _0\"></span>dit valuation adjus<span class=\"_ _0\"></span>tments<span class=\"_ _311\"> </span>The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A are included in the fair v<span class=\"_ _4\"></span>alue of derivative financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The DV<span class=\"_ _1\"></span>A is based on the expecte<span class=\"_ _4\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s two banking entities def<span class=\"_ _4\"></span>aulting. The CV<span class=\"_ _1\"></span>A reflects the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s risk of the counterparty\u2019<span class=\"_ _1\"></span>s default. The methodology is based on a s<span class=\"_ _4\"></span>tandard calculation, taking in<span class=\"_ _4\"></span>to account the credit r<span class=\"_ _4\"></span>ating of the sw<span class=\"_ _4\"></span>ap counterparty, time to maturity, the fair value of the s<span class=\"_ _4\"></span>wap and any collater<span class=\"_ _4\"></span>al arrangements<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-417": {
   "value": "r) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>erivative f<span class=\"_ _0\"></span>inancial ins<span class=\"_ _0\"></span>truments The Group uses derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s (interes<span class=\"_ _4\"></span>t rate sw<span class=\"_ _4\"></span>aps) to manage its exposur<span class=\"_ _4\"></span>e to inter<span class=\"_ _4\"></span>est r<span class=\"_ _4\"></span>ate risk. The Group does not hold or issue derivativ<span class=\"_ _4\"></span>e financial instruments f<span class=\"_ _4\"></span>or proprietary tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span>The Group also uses derivativ<span class=\"_ _4\"></span>es to hedge the inter<span class=\"_ _4\"></span>est rate risk inher<span class=\"_ _4\"></span>ent in irrev<span class=\"_ _4\"></span>ocable offers to lend. This exposes the Gr<span class=\"_ _4\"></span>oup to movemen<span class=\"_ _4\"></span>ts in the fair value of deriv<span class=\"_ _4\"></span>atives until the loan is dra<span class=\"_ _4\"></span>wn. The changes to fair value are reco<span class=\"_ _4\"></span>gnised in profit or loss in the period. s<span class=\"_ _4\"></span>) <span class=\"_ _246\"> </span>Hedge accountin<span class=\"_ _4\"></span>g<span class=\"_ _311\"> </span>The Group has chosen to con<span class=\"_ _4\"></span>tinue to apply the hedge accounting requiremen<span class=\"_ _4\"></span>ts of IAS 39 inst<span class=\"_ _4\"></span>ead of the requiremen<span class=\"_ _4\"></span>ts in Chapter 6 of IFRS 9<span class=\"_ _3\"></span>. The Group uses fair value he<span class=\"_ _4\"></span>dge accounting for a portfolio hedge of in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. The hedging str<span class=\"_ _4\"></span>ategy of the Gr<span class=\"_ _4\"></span>oup is divided into portfolio hedges, wher<span class=\"_ _4\"></span>e the hedged item is a homogenous portfolio of assets (mortgage lending) or liabilities (savings produc<span class=\"_ _4\"></span>ts), and micro hedges<span class=\"_ _4\"></span>, where the hedged item is a dis<span class=\"_ _4\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _4\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>i. <span class=\"_ _27\"> </span>P<span class=\"_ _0\"></span>ortf<span class=\"_ _0\"></span>olio hedge<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Portfolio hedge accounting allo<span class=\"_ _4\"></span>ws for hedge effectiveness tes<span class=\"_ _4\"></span>ting and accounting ov<span class=\"_ _4\"></span>er an entire portfolio o<span class=\"_ _4\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _4\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _4\"></span>ed rate portfolio of mortgages and saving account<span class=\"_ _4\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _4\"></span>epricing time periods based on expected r<span class=\"_ _4\"></span>epricing dates, utilising the Group Assets and Liabilities Committee (AL<span class=\"_ _1\"></span>CO) approv<span class=\"_ _4\"></span>ed prepayment curve<span class=\"_ _4\"></span>. Interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>waps are designated agains<span class=\"_ _4\"></span>t the repricing time periods to es<span class=\"_ _4\"></span>tablish the hedge relationship.<span class=\"_ _311\"> </span>ii. <span class=\"_ _10\"> </span>Micro hedges<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s micro hedging s<span class=\"_ _4\"></span>trategy en<span class=\"_ _4\"></span>tails hedge accounting on an individual instrumen<span class=\"_ _4\"></span>t-<span class=\"_ _311\"> </span>by-instrumen<span class=\"_ _4\"></span>t basis, which in some ins<span class=\"_ _4\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _4\"></span>trument may be ex<span class=\"_ _4\"></span>ercised early. The Group applies fair v<span class=\"_ _4\"></span>alue micro hedge accounting to manage its e<span class=\"_ _4\"></span>xposure to the int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk arising from some of its fix<span class=\"_ _4\"></span>ed rate deb<span class=\"_ _4\"></span>t issuances. Inter<span class=\"_ _4\"></span>est rate s<span class=\"_ _4\"></span>waps are assigne<span class=\"_ _4\"></span>d to specific issuances of fixed r<span class=\"_ _4\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _311\"> </span>iii.<span class=\"_ _4\"></span> <span class=\"_ _18\"> </span>Hedge ef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span>Hedge effectiveness is calculat<span class=\"_ _4\"></span>ed as a percentage of the f<span class=\"_ _4\"></span>air value movemen<span class=\"_ _4\"></span>t of the interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>wap agains<span class=\"_ _4\"></span>t the fair value mov<span class=\"_ _4\"></span>ement of the hedged item o<span class=\"_ _4\"></span>ver the period tes<span class=\"_ _4\"></span>ted. The Group considers the f<span class=\"_ _4\"></span>ollowing as k<span class=\"_ _4\"></span>ey sources of hedge ine<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in maturity date of the sw<span class=\"_ _4\"></span>ap and hedged item, as sw<span class=\"_ _4\"></span>aps with a given maturity date cov<span class=\"_ _4\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _4\"></span>oughout the month;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the actual behaviour of the hedged item differing from expectations<span class=\"_ _4\"></span>, such as early repayment<span class=\"_ _4\"></span>s or withdraw<span class=\"_ _4\"></span>als and arrears;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>minimal movements in the yield curve le<span class=\"_ _4\"></span>ading to inef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ectiveness where hedge relationships are sensitiv<span class=\"_ _4\"></span>e to small value changes; and<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in the swap in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate and rate used t<span class=\"_ _4\"></span>o value the hedged item where the sw<span class=\"_ _4\"></span>ap rate is higher than the contr<span class=\"_ _4\"></span>actual rate o<span class=\"_ _4\"></span>f the hedged item. Where there is an e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e hedge relationship for fair v<span class=\"_ _4\"></span>alue hedges, the Group r<span class=\"_ _4\"></span>ecognises the change in fair value o<span class=\"_ _4\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _4\"></span>e movemen<span class=\"_ _4\"></span>t in their value being sho<span class=\"_ _4\"></span>wn separately in the Consolidated St<span class=\"_ _4\"></span>atement of Financial Position as fair v<span class=\"_ _4\"></span>alue adjustmen<span class=\"_ _4\"></span>ts on hedged assets and liabilities<span class=\"_ _4\"></span>. The fair value changes of both the derivativ<span class=\"_ _4\"></span>e and the hedge subst<span class=\"_ _4\"></span>antially offset each other to reduce pr<span class=\"_ _4\"></span>ofit volatility.<span class=\"_ _311\"> </span>The Group discontinues hedge accoun<span class=\"_ _4\"></span>ting when the derivative ceases through e<span class=\"_ _4\"></span>xpiry, when the derivative is c<span class=\"_ _4\"></span>ancelled or the underlying hedged item matures<span class=\"_ _4\"></span>, is sold or is repaid.<span class=\"_ _311\"> </span>If a derivative no longer meet<span class=\"_ _4\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _4\"></span>t still effective<span class=\"_ _4\"></span>, including LIBOR-link<span class=\"_ _4\"></span>ed derivatives cancelled as a result o<span class=\"_ _4\"></span>f IBOR reforms<span class=\"_ _4\"></span>, the fair value adjus<span class=\"_ _4\"></span>tment relating to the hedged asset<span class=\"_ _4\"></span>s or liabilities within the hedge relationship prior to the derivativ<span class=\"_ _4\"></span>e becoming inef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e or being cancelled remains on the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position and is amortised over the r<span class=\"_ _4\"></span>emaining life of the hedged assets or liabilities. The r<span class=\"_ _4\"></span>ate of amortisation over the r<span class=\"_ _4\"></span>emaining life is in line with expected income or cost gener<span class=\"_ _4\"></span>ated from the hedged asset<span class=\"_ _4\"></span>s or liabilities. Each reporting period, the expect<span class=\"_ _4\"></span>ation is compared to actual with an acceler<span class=\"_ _4\"></span>ated run-off applied where the two div<span class=\"_ _4\"></span>erge by more than set paramet<span class=\"_ _4\"></span>ers.<span class=\"_ _311\"> </span>t) <span class=\"_ _13\"> </span>D<span class=\"_ _0\"></span>ebit and cre<span class=\"_ _0\"></span>dit valuation adjus<span class=\"_ _0\"></span>tments<span class=\"_ _311\"> </span>The D<span class=\"_ _4\"></span>V<span class=\"_ _4\"></span>A and CV<span class=\"_ _1\"></span>A are included in the fair v<span class=\"_ _4\"></span>alue of derivative financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The DV<span class=\"_ _1\"></span>A is based on the expecte<span class=\"_ _4\"></span>d loss a counterparty faces due to the risk of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s two banking entities def<span class=\"_ _4\"></span>aulting. The CV<span class=\"_ _1\"></span>A reflects the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s risk of the counterparty\u2019<span class=\"_ _1\"></span>s default. The methodology is based on a s<span class=\"_ _4\"></span>tandard calculation, taking in<span class=\"_ _4\"></span>to account the credit r<span class=\"_ _4\"></span>ating of the sw<span class=\"_ _4\"></span>ap counterparty, time to maturity, the fair value of the s<span class=\"_ _4\"></span>wap and any collater<span class=\"_ _4\"></span>al arrangements<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-473": {
   "value": "s<span class=\"_ _4\"></span>) <span class=\"_ _246\"> </span>Hedge accountin<span class=\"_ _4\"></span>g<span class=\"_ _311\"> </span>The Group has chosen to con<span class=\"_ _4\"></span>tinue to apply the hedge accounting requiremen<span class=\"_ _4\"></span>ts of IAS 39 inst<span class=\"_ _4\"></span>ead of the requiremen<span class=\"_ _4\"></span>ts in Chapter 6 of IFRS 9<span class=\"_ _3\"></span>. The Group uses fair value he<span class=\"_ _4\"></span>dge accounting for a portfolio hedge of in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. The hedging str<span class=\"_ _4\"></span>ategy of the Gr<span class=\"_ _4\"></span>oup is divided into portfolio hedges, wher<span class=\"_ _4\"></span>e the hedged item is a homogenous portfolio of assets (mortgage lending) or liabilities (savings produc<span class=\"_ _4\"></span>ts), and micro hedges<span class=\"_ _4\"></span>, where the hedged item is a dis<span class=\"_ _4\"></span>tinctly identifiable asset or liability (debt issuance). The Group applies fair v<span class=\"_ _4\"></span>alue hedge accounting for both its portfolio and micro hedges<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>i. <span class=\"_ _27\"> </span>P<span class=\"_ _0\"></span>ortf<span class=\"_ _0\"></span>olio hedge<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>Portfolio hedge accounting allo<span class=\"_ _4\"></span>ws for hedge effectiveness tes<span class=\"_ _4\"></span>ting and accounting ov<span class=\"_ _4\"></span>er an entire portfolio o<span class=\"_ _4\"></span>f financial assets or liabilities. The Group applies f<span class=\"_ _4\"></span>air value portfolio hedge accounting to its fix<span class=\"_ _4\"></span>ed rate portfolio of mortgages and saving account<span class=\"_ _4\"></span>s. The hedged portfolio is analysed into r<span class=\"_ _4\"></span>epricing time periods based on expected r<span class=\"_ _4\"></span>epricing dates, utilising the Group Assets and Liabilities Committee (AL<span class=\"_ _1\"></span>CO) approv<span class=\"_ _4\"></span>ed prepayment curve<span class=\"_ _4\"></span>. Interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>waps are designated agains<span class=\"_ _4\"></span>t the repricing time periods to es<span class=\"_ _4\"></span>tablish the hedge relationship.<span class=\"_ _311\"> </span>ii. <span class=\"_ _10\"> </span>Micro hedges<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s micro hedging s<span class=\"_ _4\"></span>trategy en<span class=\"_ _4\"></span>tails hedge accounting on an individual instrumen<span class=\"_ _4\"></span>t-<span class=\"_ _311\"> </span>by-instrumen<span class=\"_ _4\"></span>t basis, which in some ins<span class=\"_ _4\"></span>tances may be implemented through partial term fair value hedging where the ins<span class=\"_ _4\"></span>trument may be ex<span class=\"_ _4\"></span>ercised early. The Group applies fair v<span class=\"_ _4\"></span>alue micro hedge accounting to manage its e<span class=\"_ _4\"></span>xposure to the int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk arising from some of its fix<span class=\"_ _4\"></span>ed rate deb<span class=\"_ _4\"></span>t issuances. Inter<span class=\"_ _4\"></span>est rate s<span class=\"_ _4\"></span>waps are assigne<span class=\"_ _4\"></span>d to specific issuances of fixed r<span class=\"_ _4\"></span>ate notes with terms that closely align with the hedged item.<span class=\"_ _311\"> </span>iii.<span class=\"_ _4\"></span> <span class=\"_ _18\"> </span>Hedge ef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span>Hedge effectiveness is calculat<span class=\"_ _4\"></span>ed as a percentage of the f<span class=\"_ _4\"></span>air value movemen<span class=\"_ _4\"></span>t of the interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>wap agains<span class=\"_ _4\"></span>t the fair value mov<span class=\"_ _4\"></span>ement of the hedged item o<span class=\"_ _4\"></span>ver the period tes<span class=\"_ _4\"></span>ted. The Group considers the f<span class=\"_ _4\"></span>ollowing as k<span class=\"_ _4\"></span>ey sources of hedge ine<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>eness:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in maturity date of the sw<span class=\"_ _4\"></span>ap and hedged item, as sw<span class=\"_ _4\"></span>aps with a given maturity date cov<span class=\"_ _4\"></span>er a portfolio of hedged items which may mature thr<span class=\"_ _4\"></span>oughout the month;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the actual behaviour of the hedged item differing from expectations<span class=\"_ _4\"></span>, such as early repayment<span class=\"_ _4\"></span>s or withdraw<span class=\"_ _4\"></span>als and arrears;<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>minimal movements in the yield curve le<span class=\"_ _4\"></span>ading to inef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ectiveness where hedge relationships are sensitiv<span class=\"_ _4\"></span>e to small value changes; and<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>the mismatch in the swap in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate and rate used t<span class=\"_ _4\"></span>o value the hedged item where the sw<span class=\"_ _4\"></span>ap rate is higher than the contr<span class=\"_ _4\"></span>actual rate o<span class=\"_ _4\"></span>f the hedged item. Where there is an e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e hedge relationship for fair v<span class=\"_ _4\"></span>alue hedges, the Group r<span class=\"_ _4\"></span>ecognises the change in fair value o<span class=\"_ _4\"></span>f each hedged item in profit or loss with the cumulativ<span class=\"_ _4\"></span>e movemen<span class=\"_ _4\"></span>t in their value being sho<span class=\"_ _4\"></span>wn separately in the Consolidated St<span class=\"_ _4\"></span>atement of Financial Position as fair v<span class=\"_ _4\"></span>alue adjustmen<span class=\"_ _4\"></span>ts on hedged assets and liabilities<span class=\"_ _4\"></span>. The fair value changes of both the derivativ<span class=\"_ _4\"></span>e and the hedge subst<span class=\"_ _4\"></span>antially offset each other to reduce pr<span class=\"_ _4\"></span>ofit volatility.<span class=\"_ _311\"> </span>The Group discontinues hedge accoun<span class=\"_ _4\"></span>ting when the derivative ceases through e<span class=\"_ _4\"></span>xpiry, when the derivative is c<span class=\"_ _4\"></span>ancelled or the underlying hedged item matures<span class=\"_ _4\"></span>, is sold or is repaid.<span class=\"_ _311\"> </span>If a derivative no longer meet<span class=\"_ _4\"></span>s the criteria for hedge accounting or is cancelled whils<span class=\"_ _4\"></span>t still effective<span class=\"_ _4\"></span>, including LIBOR-link<span class=\"_ _4\"></span>ed derivatives cancelled as a result o<span class=\"_ _4\"></span>f IBOR reforms<span class=\"_ _4\"></span>, the fair value adjus<span class=\"_ _4\"></span>tment relating to the hedged asset<span class=\"_ _4\"></span>s or liabilities within the hedge relationship prior to the derivativ<span class=\"_ _4\"></span>e becoming inef<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e or being cancelled remains on the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position and is amortised over the r<span class=\"_ _4\"></span>emaining life of the hedged assets or liabilities. The r<span class=\"_ _4\"></span>ate of amortisation over the r<span class=\"_ _4\"></span>emaining life is in line with expected income or cost gener<span class=\"_ _4\"></span>ated from the hedged asset<span class=\"_ _4\"></span>s or liabilities. Each reporting period, the expect<span class=\"_ _4\"></span>ation is compared to actual with an acceler<span class=\"_ _4\"></span>ated run-off applied where the two div<span class=\"_ _4\"></span>erge by more than set paramet<span class=\"_ _4\"></span>ers.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-418": {
   "value": "u<span class=\"_ _4\"></span>) <span class=\"_ _124\"> </span>P<span class=\"_ _0\"></span>rovisions and c<span class=\"_ _0\"></span>ontingent liabilitie<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>A provision is r<span class=\"_ _4\"></span>ecognised when there is a presen<span class=\"_ _4\"></span>t obligation as a result of a past e<span class=\"_ _4\"></span>vent, it is probable that the obligation will be settled and the amoun<span class=\"_ _4\"></span>t can be estimated r<span class=\"_ _4\"></span>eliably. Provisions include ECLs on the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s undrawn lo<span class=\"_ _4\"></span>an commitments.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-419": {
   "value": "Contingent liabilities ar<span class=\"_ _4\"></span>e possible obligations arising from past e<span class=\"_ _4\"></span>vents<span class=\"_ _4\"></span>, whose exist<span class=\"_ _4\"></span>ence will be confirmed only by uncertain future ev<span class=\"_ _4\"></span>ents<span class=\"_ _4\"></span>, or present obligations arising from pas<span class=\"_ _4\"></span>t even<span class=\"_ _4\"></span>ts which are either not probable or the amoun<span class=\"_ _4\"></span>t of the obligation cannot be reliably measur<span class=\"_ _4\"></span>ed. Contingent liabilities ar<span class=\"_ _4\"></span>e not recognised but disclosed unless they are not material or their probability is remot<span class=\"_ _4\"></span>e. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-420": {
   "value": "v)<span class=\"_ _4\"></span> <span class=\"_ _11\"> </span>Employee benefits \u2013<span class=\"_ _4\"></span> defined contribu<span class=\"_ _4\"></span>tion scheme<span class=\"_ _311\"> </span>The Group contribut<span class=\"_ _4\"></span>es to defined contribution personal pension plans or de<span class=\"_ _4\"></span>fined contribution retiremen<span class=\"_ _4\"></span>t benefit schemes for all qualifying employees who subscribe to the terms and conditions of the schemes<span class=\"_ _1\"></span>\u2019 policies. Obligations for contributions to de<span class=\"_ _4\"></span>fined contribution pension arrangemen<span class=\"_ _4\"></span>ts are recognised as an expense in pro<span class=\"_ _4\"></span>fit or loss as incurred.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-422": {
   "value": "w<span class=\"_ _4\"></span>) <span class=\"_ _17\"> </span>Share-based payments<span class=\"_ _311\"> </span>Equity-settled share-based paymen<span class=\"_ _4\"></span>ts to employees pro<span class=\"_ _4\"></span>viding ser<span class=\"_ _0\"></span>vices are measur<span class=\"_ _4\"></span>ed at the fair value o<span class=\"_ _4\"></span>f the equity instruments at the gr<span class=\"_ _4\"></span>ant date in accordance with IFR<span class=\"_ _4\"></span>S 2. The fair value ex<span class=\"_ _4\"></span>cludes the ef<span class=\"_ _0\"></span>fect o<span class=\"_ _4\"></span>f non-marke<span class=\"_ _4\"></span>t-based vesting conditions<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The cost o<span class=\"_ _4\"></span>f the awar<span class=\"_ _4\"></span>ds is charged on a str<span class=\"_ _4\"></span>aight-line basis to pro<span class=\"_ _4\"></span>fit or loss (with a corresponding increase in the share-base<span class=\"_ _4\"></span>d payment reserve within equity) ov<span class=\"_ _4\"></span>er the ves<span class=\"_ _4\"></span>ting period in which the employees become unconditionally entitled to the aw<span class=\"_ _4\"></span>ards<span class=\"_ _4\"></span>. The increase within the share-based payment reserve is r<span class=\"_ _4\"></span>eclassified to retained earnings upon e<span class=\"_ _4\"></span>xercise<span class=\"_ _4\"></span>. The amount recognise<span class=\"_ _4\"></span>d as an expense for non-mark<span class=\"_ _4\"></span>et conditions and related service conditions is adjuste<span class=\"_ _4\"></span>d each reporting period to reflect the actual number of a<span class=\"_ _4\"></span>wards e<span class=\"_ _4\"></span>xpected to be met. The amount r<span class=\"_ _4\"></span>ecognised as an expense for aw<span class=\"_ _4\"></span>ards subject to mark<span class=\"_ _1\"></span>et conditions is based on the proportion that is expected t<span class=\"_ _4\"></span>o meet the condition as assessed at the grant date<span class=\"_ _4\"></span>. No adjustmen<span class=\"_ _4\"></span>t is made to the fair value of each a<span class=\"_ _4\"></span>ward calculat<span class=\"_ _4\"></span>ed at grant date<span class=\"_ _4\"></span>. Share-based payment<span class=\"_ _4\"></span>s that are not subject to further ves<span class=\"_ _4\"></span>ting conditions (i.e. the Deferr<span class=\"_ _4\"></span>ed Share Bonus Plan (DSBP) f<span class=\"_ _4\"></span>or senior managers) are expense<span class=\"_ _4\"></span>d in the year ser<span class=\"_ _0\"></span>vices ar<span class=\"_ _4\"></span>e received with a corresponding increase in e<span class=\"_ _4\"></span>quity.<span class=\"_ _311\"> </span>Where the allo<span class=\"_ _4\"></span>wable cost o<span class=\"_ _4\"></span>f share-based options or aw<span class=\"_ _4\"></span>ards for tax purposes is gr<span class=\"_ _4\"></span>eater than the cost det<span class=\"_ _4\"></span>ermined in accordance with IFRS 2, the tax effect of the e<span class=\"_ _4\"></span>xcess is tak<span class=\"_ _4\"></span>en to the share-based payment r<span class=\"_ _4\"></span>eser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e within equity. The tax effect is reclassified to r<span class=\"_ _4\"></span>etained earnings upon ves<span class=\"_ _4\"></span>ting. Employer\u2019<span class=\"_ _1\"></span>s national insurance is charge<span class=\"_ _4\"></span>d to profit or loss at the share price at the reporting date on the same service or vesting sche<span class=\"_ _4\"></span>dules as the underlying options and awar<span class=\"_ _4\"></span>ds. Own shares are r<span class=\"_ _4\"></span>ecorded at cost and deduct<span class=\"_ _4\"></span>ed from equity and represen<span class=\"_ _4\"></span>t shares of OSBG that are held by the EB<span class=\"_ _4\"></span>T<span class=\"_ _1\"></span>. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-532": {
   "value": "Own shares are r<span class=\"_ _4\"></span>ecorded at cost and deduct<span class=\"_ _4\"></span>ed from equity and represen<span class=\"_ _4\"></span>t shares of OSBG that are held by the EB<span class=\"_ _4\"></span>T<span class=\"_ _1\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-421": {
   "value": "x) Le<span class=\"_ _0\"></span>ases<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s leases are pre<span class=\"_ _4\"></span>dominantly for offices and Kent R<span class=\"_ _4\"></span>eliance branches where the Group is a lessee. A<span class=\"_ _4\"></span>t lease commencement date, the Gr<span class=\"_ _4\"></span>oup recognises the right-of-use asset and lease liability on the st<span class=\"_ _4\"></span>atement of financial position, ex<span class=\"_ _4\"></span>cept for leases of lo<span class=\"_ _4\"></span>w-<span class=\"_ _4\"></span>value assets and short-term leases of 12 month or less ar<span class=\"_ _4\"></span>e recognised directly in profit or loss on a s<span class=\"_ _4\"></span>traigh<span class=\"_ _4\"></span>t-line basis ov<span class=\"_ _4\"></span>er the lease term.<span class=\"_ _311\"> </span>Le<span class=\"_ _4\"></span>ase liability payments are recognised within financing activities in the Consolidat<span class=\"_ _4\"></span>ed Statemen<span class=\"_ _4\"></span>t of Cash Flows<span class=\"_ _4\"></span>. The Group assesses the lik<span class=\"_ _1\"></span>ely impact of early terminations in recognising the right-o<span class=\"_ _4\"></span>f-use asset and lease liability where an option to t<span class=\"_ _4\"></span>erminate early exis<span class=\"_ _4\"></span>ts. For modifications that increase the length o<span class=\"_ _4\"></span>f a lease; the modified lease term is determined and the lease liability remeasur<span class=\"_ _4\"></span>ed by discounting the revise<span class=\"_ _4\"></span>d lease payments using a re<span class=\"_ _4\"></span>vised discount r<span class=\"_ _4\"></span>ate, at the effective date o<span class=\"_ _4\"></span>f the lease modification; a corresponding adjus<span class=\"_ _4\"></span>tment is made to the right-o<span class=\"_ _4\"></span>f-use asset. Where modifications decrease the length of a le<span class=\"_ _4\"></span>ase, the lease liability and right-of-use asset ar<span class=\"_ _4\"></span>e reduced in proportion to the reduction in the le<span class=\"_ _4\"></span>ase term, with any gain or loss recognised in pr<span class=\"_ _4\"></span>ofit or loss.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-423": {
   "value": "y) <span class=\"_ _182\"> </span>Ad<span class=\"_ _0\"></span>option of new stan<span class=\"_ _0\"></span>dards<span class=\"_ _311\"> </span>Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued a<span class=\"_ _0\"></span>nd adopted f<span class=\"_ _0\"></span>or the firs<span class=\"_ _0\"></span>t time in the year e<span class=\"_ _0\"></span>nded 31 De<span class=\"_ _0\"></span>cember 2023<span class=\"_ _311\"> </span>The 2023 financial s<span class=\"_ _4\"></span>tatements incorpor<span class=\"_ _4\"></span>ate the guidance set out in Disclosure of Accoun<span class=\"_ _4\"></span>ting Policies (Amendments to IA<span class=\"_ _4\"></span>S 1) which requires en<span class=\"_ _4\"></span>tities to disclose \u2018<span class=\"_ _4\"></span>material\u2019 rather than \u2018<span class=\"_ _1\"></span>significant\u2019 accoun<span class=\"_ _4\"></span>ting policies. Accordingly, Not<span class=\"_ _4\"></span>e 1 has been amended to remov<span class=\"_ _4\"></span>e general IFRS guidance so that disclosures focus on en<span class=\"_ _4\"></span>tity-specific acc<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>ting, areas of significant judgemen<span class=\"_ _4\"></span>t or assumptions and material tr<span class=\"_ _4\"></span>ansactions where the accounting require<span class=\"_ _4\"></span>d is<span class=\"_ gs27\"> </span>complex.<span class=\"_ _311\"> </span>The Group has applied the tempor<span class=\"_ _4\"></span>ary exception issued by the In<span class=\"_ _4\"></span>ternational Accounting Standar<span class=\"_ _4\"></span>ds Board (IASB) in May 2<span class=\"_ _4\"></span>023 from the accounting requir<span class=\"_ _4\"></span>ements for def<span class=\"_ _4\"></span>erred taxes in IAS 12 \u2018Income T<span class=\"_ _1\"></span>axes<span class=\"_ _1\"></span>\u2019. Accor<span class=\"_ _4\"></span>dingly, the Group neither recognises nor discloses information about deferr<span class=\"_ _4\"></span>ed tax assets and liabilities related t<span class=\"_ _4\"></span>o Pillar 2 income taxes. Ther<span class=\"_ _4\"></span>e were a number of other minor amendment<span class=\"_ _4\"></span>s to financial reporting standar<span class=\"_ _4\"></span>ds that are effective for the curren<span class=\"_ _4\"></span>t year<span class=\"_ _1\"></span>. There has been no material impact on the financial s<span class=\"_ _4\"></span>tatements of the Gr<span class=\"_ _4\"></span>oup from the adoption of these financial reporting s<span class=\"_ _4\"></span>tandard amendments and in<span class=\"_ _4\"></span>terpretations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfInitialApplicationOfStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-500": {
   "value": "y) <span class=\"_ _182\"> </span>Ad<span class=\"_ _0\"></span>option of new stan<span class=\"_ _0\"></span>dards<span class=\"_ _311\"> </span>Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued a<span class=\"_ _0\"></span>nd adopted f<span class=\"_ _0\"></span>or the firs<span class=\"_ _0\"></span>t time in the year e<span class=\"_ _0\"></span>nded 31 De<span class=\"_ _0\"></span>cember 2023<span class=\"_ _311\"> </span>The 2023 financial s<span class=\"_ _4\"></span>tatements incorpor<span class=\"_ _4\"></span>ate the guidance set out in Disclosure of Accoun<span class=\"_ _4\"></span>ting Policies (Amendments to IA<span class=\"_ _4\"></span>S 1) which requires en<span class=\"_ _4\"></span>tities to disclose \u2018<span class=\"_ _4\"></span>material\u2019 rather than \u2018<span class=\"_ _1\"></span>significant\u2019 accoun<span class=\"_ _4\"></span>ting policies. Accordingly, Not<span class=\"_ _4\"></span>e 1 has been amended to remov<span class=\"_ _4\"></span>e general IFRS guidance so that disclosures focus on en<span class=\"_ _4\"></span>tity-specific acc<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>ting, areas of significant judgemen<span class=\"_ _4\"></span>t or assumptions and material tr<span class=\"_ _4\"></span>ansactions where the accounting require<span class=\"_ _4\"></span>d is<span class=\"_ gs27\"> </span>complex.<span class=\"_ _311\"> </span>The Group has applied the tempor<span class=\"_ _4\"></span>ary exception issued by the In<span class=\"_ _4\"></span>ternational Accounting Standar<span class=\"_ _4\"></span>ds Board (IASB) in May 2<span class=\"_ _4\"></span>023 from the accounting requir<span class=\"_ _4\"></span>ements for def<span class=\"_ _4\"></span>erred taxes in IAS 12 \u2018Income T<span class=\"_ _1\"></span>axes<span class=\"_ _1\"></span>\u2019. Accor<span class=\"_ _4\"></span>dingly, the Group neither recognises nor discloses information about deferr<span class=\"_ _4\"></span>ed tax assets and liabilities related t<span class=\"_ _4\"></span>o Pillar 2 income taxes. Ther<span class=\"_ _4\"></span>e were a number of other minor amendment<span class=\"_ _4\"></span>s to financial reporting standar<span class=\"_ _4\"></span>ds that are effective for the curren<span class=\"_ _4\"></span>t year<span class=\"_ _1\"></span>. There has been no material impact on the financial s<span class=\"_ _4\"></span>tatements of the Gr<span class=\"_ _4\"></span>oup from the adoption of these financial reporting s<span class=\"_ _4\"></span>tandard amendments and in<span class=\"_ _4\"></span>terpretations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued b<span class=\"_ _0\"></span>ut not yet ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve which are applic<span class=\"_ _0\"></span>able to the Gro<span class=\"_ _0\"></span>up Certain amendments to accounting s<span class=\"_ _4\"></span>tandards and in<span class=\"_ _4\"></span>terpretations that w<span class=\"_ _4\"></span>ere not effective on 31 December 2023 have no<span class=\"_ _4\"></span>t been early adopted by the Group. The adoption o<span class=\"_ _4\"></span>f these amendments is not e<span class=\"_ _4\"></span>xpected to have a mat<span class=\"_ _4\"></span>erial impact on the financial statemen<span class=\"_ _4\"></span>ts of the Group in future periods<span class=\"_ _4\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-474": {
   "value": "y) <span class=\"_ _182\"> </span>Ad<span class=\"_ _0\"></span>option of new stan<span class=\"_ _0\"></span>dards<span class=\"_ _311\"> </span>Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued a<span class=\"_ _0\"></span>nd adopted f<span class=\"_ _0\"></span>or the firs<span class=\"_ _0\"></span>t time in the year e<span class=\"_ _0\"></span>nded 31 De<span class=\"_ _0\"></span>cember 2023<span class=\"_ _311\"> </span>The 2023 financial s<span class=\"_ _4\"></span>tatements incorpor<span class=\"_ _4\"></span>ate the guidance set out in Disclosure of Accoun<span class=\"_ _4\"></span>ting Policies (Amendments to IA<span class=\"_ _4\"></span>S 1) which requires en<span class=\"_ _4\"></span>tities to disclose \u2018<span class=\"_ _4\"></span>material\u2019 rather than \u2018<span class=\"_ _1\"></span>significant\u2019 accoun<span class=\"_ _4\"></span>ting policies. Accordingly, Not<span class=\"_ _4\"></span>e 1 has been amended to remov<span class=\"_ _4\"></span>e general IFRS guidance so that disclosures focus on en<span class=\"_ _4\"></span>tity-specific acc<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>ting, areas of significant judgemen<span class=\"_ _4\"></span>t or assumptions and material tr<span class=\"_ _4\"></span>ansactions where the accounting require<span class=\"_ _4\"></span>d is<span class=\"_ gs27\"> </span>complex.<span class=\"_ _311\"> </span>The Group has applied the tempor<span class=\"_ _4\"></span>ary exception issued by the In<span class=\"_ _4\"></span>ternational Accounting Standar<span class=\"_ _4\"></span>ds Board (IASB) in May 2<span class=\"_ _4\"></span>023 from the accounting requir<span class=\"_ _4\"></span>ements for def<span class=\"_ _4\"></span>erred taxes in IAS 12 \u2018Income T<span class=\"_ _1\"></span>axes<span class=\"_ _1\"></span>\u2019. Accor<span class=\"_ _4\"></span>dingly, the Group neither recognises nor discloses information about deferr<span class=\"_ _4\"></span>ed tax assets and liabilities related t<span class=\"_ _4\"></span>o Pillar 2 income taxes. Ther<span class=\"_ _4\"></span>e were a number of other minor amendment<span class=\"_ _4\"></span>s to financial reporting standar<span class=\"_ _4\"></span>ds that are effective for the curren<span class=\"_ _4\"></span>t year<span class=\"_ _1\"></span>. There has been no material impact on the financial s<span class=\"_ _4\"></span>tatements of the Gr<span class=\"_ _4\"></span>oup from the adoption of these financial reporting s<span class=\"_ _4\"></span>tandard amendments and in<span class=\"_ _4\"></span>terpretations<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued b<span class=\"_ _0\"></span>ut not yet ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve which are applic<span class=\"_ _0\"></span>able to the Gro<span class=\"_ _0\"></span>up Certain amendments to accounting s<span class=\"_ _4\"></span>tandards and in<span class=\"_ _4\"></span>terpretations that w<span class=\"_ _4\"></span>ere not effective on 31 December 2023 have no<span class=\"_ _4\"></span>t been early adopted by the Group. The adoption o<span class=\"_ _4\"></span>f these amendments is not e<span class=\"_ _4\"></span>xpected to have a mat<span class=\"_ _4\"></span>erial impact on the financial statemen<span class=\"_ _4\"></span>ts of the Group in future periods<span class=\"_ _4\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-424": {
   "value": "Internatio<span class=\"_ _0\"></span>nal financ<span class=\"_ _0\"></span>ial repor<span class=\"_ _0\"></span>ting standa<span class=\"_ _0\"></span>rds issued b<span class=\"_ _0\"></span>ut not yet ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve which are applic<span class=\"_ _0\"></span>able to the Gro<span class=\"_ _0\"></span>up Certain amendments to accounting s<span class=\"_ _4\"></span>tandards and in<span class=\"_ _4\"></span>terpretations that w<span class=\"_ _4\"></span>ere not effective on 31 December 2023 have no<span class=\"_ _4\"></span>t been early adopted by the Group. The adoption o<span class=\"_ _4\"></span>f these amendments is not e<span class=\"_ _4\"></span>xpected to have a mat<span class=\"_ _4\"></span>erial impact on the financial statemen<span class=\"_ _4\"></span>ts of the Group in future periods<span class=\"_ _4\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-425": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs298\">2. <span class=\"_ _18\"> </span> <span class=\"_ _35\"></span>Judgements in applying acc<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>ting policies and critic<span class=\"_ _0\"></span>al accounting </div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs299\">estimates<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs29a\">In preparing these financial s<span class=\"_ _4\"></span>tatements<span class=\"_ _4\"></span>, the Group has made judgements<span class=\"_ _4\"></span>, estimates and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs29b\">assumptions which affect the reported amounts within the curren<span class=\"_ _4\"></span>t and future financial years<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs29c\">Actual results may differ from these es<span class=\"_ _4\"></span>timates. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs29d\">As set out in Str<span class=\"_ _4\"></span>ategic report on page 94<span class=\"_ _4\"></span>, climate change is a global challenge and an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs29e\">emerging risk to businesses<span class=\"_ _4\"></span>, people and the environmen<span class=\"_ _4\"></span>t. Therefore<span class=\"_ _4\"></span>, in preparing the financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs29f\">st<span class=\"_ _4\"></span>atements<span class=\"_ _4\"></span>, the Group has considered the impact of climate-r<span class=\"_ _4\"></span>elated risks on it<span class=\"_ _4\"></span>s financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a0\">position and performance, including the impact on ECL<span class=\"_ _4\"></span> and redemption pro<span class=\"_ _4\"></span>files included </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a1\">in EIR. While the effects of climat<span class=\"_ _4\"></span>e change represent a source o<span class=\"_ _4\"></span>f uncer<span class=\"_ _0\"></span>tain<span class=\"_ _4\"></span>ty, the Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a2\">does not consider there to be a material impact on it<span class=\"_ _4\"></span>s judgements and estimat<span class=\"_ _4\"></span>es from the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a3\">physical or transition risk<span class=\"_ _1\"></span>s in the shor<span class=\"_ _0\"></span>t term. As part of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s recognition of climate risk </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a4\">and ov<span class=\"_ _4\"></span>erall ESG agenda, the Gr<span class=\"_ _4\"></span>oup considers the physical risk<span class=\"_ _4\"></span>s of climate change with the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a5\">remov<span class=\"_ _4\"></span>al of the transitional risk to r<span class=\"_ _4\"></span>eflect Governmen<span class=\"_ _4\"></span>t\u2019<span class=\"_ _1\"></span>s decision to postpone the EPC Climate </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a6\">Bill. The transitional risk w<span class=\"_ _4\"></span>as the most significan<span class=\"_ _4\"></span>t component of the PMA that considered </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a7\">properties with low<span class=\"_ _4\"></span>er energy efficiency lik<span class=\"_ _4\"></span>ely to require in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t to reach minimum energy </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a8\">efficiency standar<span class=\"_ _4\"></span>ds, and has such resulte<span class=\"_ _4\"></span>d in the reduction in the PMA where the Group held </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2a9\">\u00a30<span class=\"_ _4\"></span>.5m<span class=\"_ gs27\"> </span>(2<span class=\"_ _4\"></span>022: \u00a34.<span class=\"_ _3\"></span>4m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2aa\">Estimat<span class=\"_ _4\"></span>es and judgements are re<span class=\"_ _4\"></span>gularly revie<span class=\"_ _4\"></span>wed based on pas<span class=\"_ _4\"></span>t experience, expect<span class=\"_ _4\"></span>ations of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2ab\">future ev<span class=\"_ _4\"></span>ents and other fact<span class=\"_ _4\"></span>ors. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsee wsab gs2ac\">Judgements<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2ad\">The Group has made the follo<span class=\"_ _4\"></span>wing k<span class=\"_ _4\"></span>ey judgements in applying the accounting policies:<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls11b ws12e gs2ae\">(i) <span class=\"_ _16\"> </span>Loan book<span class=\"_ _4\"></span> impair<span class=\"_ _4\"></span>ments<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 ls1 ws0 gs2af\">Signif<span class=\"_ _0\"></span>icant incre<span class=\"_ _0\"></span>ase in credit ri<span class=\"_ _0\"></span>sk for clas<span class=\"_ _0\"></span>sification in s<span class=\"_ _0\"></span>tage 2<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b0\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s SICR rules considers changes in def<span class=\"_ _4\"></span>ault risk, internal impairment me<span class=\"_ _4\"></span>asures, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b1\">changes in cust<span class=\"_ _4\"></span>omer credit bureau files<span class=\"_ _4\"></span>, or whether forbearance measur<span class=\"_ _4\"></span>es had been applied. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs2b2\">(ii<span class=\"_ _0\"></span>) <span class=\"_ _1b\"> </span>IFRS 9 c<span class=\"_ _0\"></span>lassifi<span class=\"_ _0\"></span>cation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b3\">Application of the \u2018business model\u2019 r<span class=\"_ _4\"></span>equirements under IFRS 9 r<span class=\"_ _4\"></span>equires the Group to conclude </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b4\">on the business models that it operat<span class=\"_ _4\"></span>es and is a fundamental aspect in determining the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b5\">classification of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s financial assets.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b6\">Management assessed the int<span class=\"_ _4\"></span>ention for holding financial assets and the contr<span class=\"_ _4\"></span>actual terms of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b7\">those assets<span class=\"_ _4\"></span>, concluding that the Group\u2019<span class=\"_ _1\"></span>s business model is a \u2018held to collect<span class=\"_ _4\"></span>\u2019 business model. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b8\">This conclusion was r<span class=\"_ _4\"></span>eached on the basis that the Group originates and purchases loans and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2b9\">advances with the inten<span class=\"_ _4\"></span>tion to collect contractual c<span class=\"_ _4\"></span>ash flows ov<span class=\"_ _4\"></span>er the life of the originated or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2ba\">purchased financial ins<span class=\"_ _4\"></span>trument.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2bb\">The Group considers whe<span class=\"_ _4\"></span>ther the contractual terms of a financial asset giv<span class=\"_ _4\"></span>e rise on specified </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2bc\">dates to cash flo<span class=\"_ _4\"></span>ws that are SPPI on the principal amount outs<span class=\"_ _4\"></span>tanding when applying the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2bd\">classification criteria of IFR<span class=\"_ _4\"></span>S 9<span class=\"_ _1\"></span>. The majority of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s assets being loans and advances </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2be\">to cus<span class=\"_ _4\"></span>tomers which have been account<span class=\"_ _4\"></span>ed for under amortised cost with the ex<span class=\"_ _4\"></span>ception of one </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2bf\">acquired mortgage book of \u00a313<span class=\"_ _4\"></span>.7<span class=\"_ _4\"></span>m (2022: \u00a314<span class=\"_ _4\"></span>.6m) that is recognised at FVTPL.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa2 wsac gs2c0\">Estima<span class=\"_ _4\"></span>tes<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c1\">The Group has made the follo<span class=\"_ _4\"></span>wing estimates in the application o<span class=\"_ _4\"></span>f the accounting policies that </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c2\">have a significan<span class=\"_ _4\"></span>t risk of material adjustmen<span class=\"_ _4\"></span>t to the carrying amount of assets and liabilities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c3\">within the next financial year:<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls11b ws12e gs2c4\">(i) <span class=\"_ _16\"> </span>Loan book<span class=\"_ _4\"></span> impair<span class=\"_ _4\"></span>ments<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c5\">Set out below ar<span class=\"_ _4\"></span>e details of the critical accounting es<span class=\"_ _4\"></span>timates which underpin loan impairment </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c6\">calculations<span class=\"_ _4\"></span>. Less significant es<span class=\"_ _4\"></span>timates are not discussed as they do not hav<span class=\"_ _4\"></span>e a material effect. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c7\">The Group has recognise<span class=\"_ _4\"></span>d total impairments of \u00a3145<span class=\"_ _4\"></span>.8m (2022: \u00a3130<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>0m) at the reporting date </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2c8\">as disclosed in note 20<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 lsf8 wsff gs2c9\">Mod<span class=\"_ _0\"></span>elled impairm<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2ca\">Modelled pro<span class=\"_ _4\"></span>vision assessments are also subject to es<span class=\"_ _4\"></span>timation uncertainty, underpinned by </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2cb\">a number of es<span class=\"_ _4\"></span>timates being made by management which are utilised within impairment </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2cc\">calculations<span class=\"_ _4\"></span>. Key areas o<span class=\"_ _4\"></span>f estimation within modelled pro<span class=\"_ _4\"></span>visioning calculations include those </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2cd\">regar<span class=\"_ _4\"></span>ding the L<span class=\"_ _4\"></span>GD and forwar<span class=\"_ _4\"></span>d-looking macroeconomic scenarios. </div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 lsee wsab gs2cf\">Loss giv<span class=\"_ _4\"></span>en default model<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d0\">The Group has a number of L<span class=\"_ _1\"></span>GD models, which include es<span class=\"_ _4\"></span>timates regar<span class=\"_ _4\"></span>ding propensity to go </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d1\">to possession given de<span class=\"_ _4\"></span>fault (PPD), forced sale discoun<span class=\"_ _4\"></span>t, time to sale and sale costs<span class=\"_ _4\"></span>. The L<span class=\"_ _4\"></span>GD </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d2\">is sensitive to the applic<span class=\"_ _4\"></span>ation of the HPI, with an 8% haircut (2022: a 10% hair<span class=\"_ _4\"></span>cut) seen to be </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d3\">a reasonable percen<span class=\"_ _4\"></span>tage change when revie<span class=\"_ _4\"></span>wing historical and e<span class=\"_ _4\"></span>xpected 12 month outcomes<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d4\">The table belo<span class=\"_ _4\"></span>w shows the resulting incr<span class=\"_ _4\"></span>emental provision r<span class=\"_ _4\"></span>equired in an 8% house price haircut </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d5\">(2022: a 10% house price hair<span class=\"_ _4\"></span>cut) being directly applied to all exposures which no<span class=\"_ _4\"></span>t only adjust </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d6\">the sale discount but the propensity t<span class=\"_ _4\"></span>o go to possession.<span class=\"_ _311\"> </span></div><div class=\"gs2d7\"><table class=\"s w16e hb4\" id=\"_35939ee3-3fb1-4419-93e1-55d473fe6522\"><tr><td></td><td class=\"t m0 x296 h2e y431f ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y431f ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4320 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4320 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y431a w170 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x41a y431b w171 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n x41b y4321 w173 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x41c y426b w174 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w175 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Group<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y431e w176 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x41e y426d w177 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d8\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s forecas<span class=\"_ _4\"></span>ts of HPI mo<span class=\"_ _4\"></span>vements used in the impairmen<span class=\"_ _4\"></span>t models are disclosed in the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2d9\">Risk profile performance r<span class=\"_ _4\"></span>eview on page 62.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc9 sc0 ls51 wsaa gs2da\">Forward-looking macroeconomic scenarios<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2db\">The forwar<span class=\"_ _4\"></span>d-looking macroeconomic scenarios af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect all model components of the ECL<span class=\"_ _4\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2dc\">thus the calculation remains sensitiv<span class=\"_ _4\"></span>e to both the scenarios utilised and their associated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2dd\">probability<span class=\"_ gs27\"> </span>w<span class=\"_ _4\"></span>eightings.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2de\">The Group has adopted an appr<span class=\"_ _4\"></span>oach which utilises four macroeconomic scenarios<span class=\"_ _4\"></span>. These </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2df\">scenarios are pro<span class=\"_ _4\"></span>vided by a reputable economics advisory firm, pro<span class=\"_ _4\"></span>viding management </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2e0\">and the Board with advice on which scenarios to utilise and the pr<span class=\"_ _4\"></span>obability weightings to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2e1\">attach to each scenario<span class=\"_ _4\"></span>. A base case forecas<span class=\"_ _4\"></span>t is provided, to<span class=\"_ _4\"></span>gether with a plausible upside </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2e2\">scenario. T<span class=\"_ _1\"></span>wo do<span class=\"_ _4\"></span>wnside scenarios are also provided (<span class=\"_ _4\"></span>downside and a sev<span class=\"_ _4\"></span>ere downside<span class=\"_ _4\"></span>). The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2e3\">Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s macroeconomic scenarios can be found in the Cr<span class=\"_ _4\"></span>edit Risk section of the Risk profile </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2e4\">performance ov<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>vie<span class=\"_ _4\"></span>w on page 62.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls44 ws0 gs2e5\">The follo<span class=\"_ _4\"></span>wing tables detail the ECL scenario sensitivity analysis with each scenario w<span class=\"_ _4\"></span>eighted at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls44 ws0 gs2e6\">100% probability. The sensitivity analysis is performed without considering the s<span class=\"_ _4\"></span>taging shifts driven </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls44 ws0 gs2e7\">by relativ<span class=\"_ _4\"></span>e or absolute PD thresholds. The purpose o<span class=\"_ _4\"></span>f using multiple economic scenarios is to model<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls44 ws0 gs2e8\">the non-linear impact of assumptions surr<span class=\"_ _4\"></span>ounding macroeconomic factors and ECL<span class=\"_ _4\"></span> calculated:<span class=\"_ _311\"> </span></div><div class=\"t m0 h2e ff1 fs16 fc6 sc0 ls1 ws0 gs2e9\">As at 31 Decemb<span class=\"_ _0\"></span>er 2<span class=\"_ _4\"></span>023<span class=\"_ _311\"> </span></div><div class=\"t m0 h2e ff1 fs16 fc6 sc0 ls1 ws0 gs2ea\">W<span class=\"_ _4\"></span>eighted </div><div class=\"t m0 h2e ff1 fs16 fc6 sc0 ls1 ws0 gs2eb\">(see note </div><div class=\"t m0 h2e ff1 fs16 fc6 sc0 ls87 ws8c gs2ec\">20)<span class=\"_ _311\"> </span></div><div class=\"gs2ed\"><table class=\"s w178 hb5\" id=\"_5e6abb3d-f78b-48af-9f47-57e8a1418539\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x41f h2e y4322 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td></tr><tr><td></td><td></td><td class=\"t m0 x420 h2e y4323 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x421 h2e y4324 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x422 h2e y4325 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x423 h2e y4326 ff1 fs16 fc6 sc0 ls11c ws12f\">Seve<span class=\"_ _0\"></span>re </td></tr><tr><td></td><td></td><td class=\"t m0 x424 h2e y4327 ff1 fs16 fc6 sc0 ls1 ws0\">Base case </td><td class=\"t m0 x425 h2e y4328 ff1 fs16 fc6 sc0 ls1 ws0\">Upside </td><td class=\"t m0 x426 h2e y4329 ff1 fs16 fc6 sc0 ls1 ws0\">Downside </td><td class=\"t m0 x427 h2e y432a ff1 fs16 fc6 sc0 ls1 ws0\">downside </td></tr><tr><td></td><td></td><td class=\"t m0 x428 h2e y432b ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x429 h2e y432c ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2e y432d ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x42b h2e y432e ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w179 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans befor<span class=\"_ _4\"></span>e provisions<span class=\"_ _4\"></span>, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x42c y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42d y4330 w17b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42e y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42f y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x430 y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w17c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Modelled ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x431 y4332 w17d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x432 y4332 w17e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x433 y4332 w17f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">60.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x434 y4332 w180 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x435 y4332 w181 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">206.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w182 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed pro<span class=\"_ _4\"></span>visions ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x436 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x437 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x438 y4333 w184 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x439 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x43a y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w185 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post Model A<span class=\"_ _4\"></span>djustments ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x43b y4334 w186 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">23.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x43c y4334 w187 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x43d y4334 w188 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x43e y4334 w189 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x43f y4334 w18a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>5.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w18b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x440 y4321 w18c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">145.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x441 y4321 w18d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">120.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x442 y4321 w18e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">98<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x443 y4321 w18f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x444 y4321 w190 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">286.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w191 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">ECL co<span class=\"_ _4\"></span>verage<span class=\"_ _4\"></span>, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x445 y431e w192 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.56<span class=\"_ _311\"> </span></div></td><td class=\"c n x446 y431e w193 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x447 y431e w194 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">0.38<span class=\"_ _311\"> </span></div></td><td class=\"c n x448 y431e w58 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>76<span class=\"_ _311\"> </span></div></td><td class=\"c n x449 y431e w195 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>.11<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs2ee\"><table class=\"s w196 hb6\" id=\"_ce1c5add-1d13-4613-a8ba-547b039e9c70\"><tr><td class=\"t m0 x28f h16 y4335 ff2 fs16 fc5 sc0 ls1 ws0\">As at 31 December 2022<span class=\"_ _24b\"> </span><span class=\"ff4 fs3\"> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4336 w179 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans befor<span class=\"_ _4\"></span>e provisions<span class=\"_ _4\"></span>, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x44a y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44b y4336 w198 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44c y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44d y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44e y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4337 w17c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Modelled ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x44f y4337 w199 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x450 y4337 w19a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x451 y4337 w19b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x452 y4337 w19c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x453 y4337 w19d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">120.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4266 w19e hb7\"><div class=\"t m0 x253 h16 y4338 ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed pro<span class=\"_ _4\"></span>visions ECL</div><div class=\"t m0 x454 h1b y4339 ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x455 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x456 y4266 w19f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x457 y4266 w19f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x458 y4266 w1a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x459 y4266 w1a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x45a y4266 w1a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b w1a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Post Model A<span class=\"_ _4\"></span>djustments ECL</div><div class=\"t m0 x45b h1b y433a ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x45c h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x45d y431b w1a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x45e y431b w1a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x45f y431b w1a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x460 y431b w54 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x461 y431b w1a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">75.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w18b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x462 y431d w1a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">13<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x463 y431d w1a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x464 y431d w1a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">94.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x465 y431d w1aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x466 y431d w1ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">2<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w191 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">ECL co<span class=\"_ _4\"></span>verage<span class=\"_ _4\"></span>, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x467 y426d w1ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.55<span class=\"_ _311\"> </span></div></td><td class=\"c n x468 y426d we5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x469 y426d w1ad ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x46a y426d w1ae ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">0<span class=\"_ _0\"></span>.72<span class=\"_ _311\"> </span></div></td><td class=\"c n x46b y426d w85 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.02<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs2ef\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>ndivi<span class=\"_ _0\"></span>dually a<span class=\"_ _0\"></span>sses<span class=\"_ _0\"></span>sed p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ions an<span class=\"_ _0\"></span>d post m<span class=\"_ _0\"></span>odel a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>re split o<span class=\"_ _0\"></span>ut in the c<span class=\"_ _0\"></span>urrent y<span class=\"_ _0\"></span>ear wit<span class=\"_ _0\"></span>h the rel<span class=\"_ _0\"></span>ated </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs2f0\">sensitivity r<span class=\"_ _4\"></span>eflected for the<span class=\"_ _4\"></span> pos<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span> model adjustments under<span class=\"_ _4\"></span> each scenario.<span class=\"_ _4\"></span> In the prior<span class=\"_ _4\"></span> year<span class=\"_ _4\"></span>, this wa<span class=\"_ _4\"></span>s included </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs2f1\">collectively as<span class=\"_ _4\"></span> \u2018Non-modelled ECL<span class=\"_ _3\"></span>\u2019<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs2f2\">(ii<span class=\"_ _0\"></span>) <span class=\"_ _1b\"> </span>Ef<span class=\"_ _0\"></span>fective inte<span class=\"_ _0\"></span>rest rate on l<span class=\"_ _0\"></span>ending<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs2f3\">Estimat<span class=\"_ _4\"></span>es are made when calculating the EIR for ne<span class=\"_ _4\"></span>wly-originated loan assets<span class=\"_ _4\"></span>. These include the<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs2f4\">lik<span class=\"_ _4\"></span>ely customer r<span class=\"_ _4\"></span>edemption profiles<span class=\"_ _4\"></span>. Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>oducts offered by the Group include dir<span class=\"_ _4\"></span>ectly </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs2f5\">attributable net fee income and a period on r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sion rates after the fixed/ discoun<span class=\"_ _4\"></span>t period. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2f6\">Products r<span class=\"_ _4\"></span>evert to the s<span class=\"_ _4\"></span>tandard variable r<span class=\"_ _4\"></span>ate (SVR) or Base r<span class=\"_ _4\"></span>ate plus a margin for the K<span class=\"_ _4\"></span>ent Reliance </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2f7\">brand, a SONIA/Base rate plus a mar<span class=\"_ _4\"></span>gin for the Precise br<span class=\"_ _4\"></span>and and a LIBOR replacement rat<span class=\"_ _4\"></span>e/<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2f8\">Base rate f<span class=\"_ _4\"></span>or the Interbay brand. Subse<span class=\"_ _4\"></span>quent to origination, changes in actual and expected </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2f9\">cust<span class=\"_ _4\"></span>omer prepayment rat<span class=\"_ _4\"></span>es are reflected as incr<span class=\"_ _4\"></span>eases or decreases in the carrying value of lo<span class=\"_ _4\"></span>an<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2fa\">assets with a corresponding incr<span class=\"_ _4\"></span>ease or decrease in inter<span class=\"_ _4\"></span>est income. The Gr<span class=\"_ _4\"></span>oup uses historical </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2fb\">cust<span class=\"_ _4\"></span>omer behaviours, e<span class=\"_ _4\"></span>xpected tak<span class=\"_ _4\"></span>e-up rate o<span class=\"_ _4\"></span>f retention pro<span class=\"_ _4\"></span>ducts and macroeconomic forecas<span class=\"_ _4\"></span>ts </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2fc\">in its assessment o<span class=\"_ _4\"></span>f expected prepayment r<span class=\"_ _4\"></span>ates. Cus<span class=\"_ _4\"></span>tomer prepaymen<span class=\"_ _4\"></span>ts in a fixed rat<span class=\"_ _4\"></span>e or<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs2fd\">incentive perio<span class=\"_ _4\"></span>d can give rise to Early Repaymen<span class=\"_ _4\"></span>t Charge (ERC) income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs2ff\">Judgement is used in es<span class=\"_ _4\"></span>timating the expected av<span class=\"_ _4\"></span>erage life of a mortgage<span class=\"_ _4\"></span>, to determine the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs300\">quantum and timing of pr<span class=\"_ _4\"></span>epayments that incur ERCs<span class=\"_ _4\"></span>, the period over which net fee income is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs301\">recognised and the time cus<span class=\"_ _4\"></span>tomers spend on re<span class=\"_ _4\"></span>version. E<span class=\"_ _4\"></span>stimates are r<span class=\"_ _4\"></span>eview<span class=\"_ _4\"></span>ed regularly, and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs302\">ov<span class=\"_ _4\"></span>er the first half o<span class=\"_ _4\"></span>f 2023 the Group observed a s<span class=\"_ _4\"></span>tep change in how long Precise cus<span class=\"_ _4\"></span>tomers </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs303\">wer<span class=\"_ _4\"></span>e spending on the rever<span class=\"_ _4\"></span>sion rate<span class=\"_ _4\"></span>. As the Bank of England base rate (BBR) con<span class=\"_ _4\"></span>tinued to rise, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs304\">cust<span class=\"_ _4\"></span>omers saw st<span class=\"_ _4\"></span>eep increases in the BBR-link<span class=\"_ _4\"></span>ed rev<span class=\"_ _4\"></span>ersion rat<span class=\"_ _4\"></span>e. As the Group has continued t<span class=\"_ _4\"></span>o </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs305\">dev<span class=\"_ _4\"></span>elop its Precise reten<span class=\"_ _4\"></span>tion programme<span class=\"_ _4\"></span>, customer<span class=\"_ _4\"></span>s chose to refinance earlier and spend less </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs306\">time on the higher rev<span class=\"_ _4\"></span>ersion r<span class=\"_ _4\"></span>ate, compared to pr<span class=\"_ _4\"></span>eviously observed behavioural tr<span class=\"_ _4\"></span>ends. There </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs307\">was no further material change in behaviour observed in the second half of 2<span class=\"_ _4\"></span>023 and the total </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs308\">adver<span class=\"_ _4\"></span>se Group statut<span class=\"_ _4\"></span>ory adjustment for 2<span class=\"_ _4\"></span>023 was \u00a3210<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m (2022: \u00a331.6m adv<span class=\"_ _4\"></span>erse) decreasing </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs309\">net inter<span class=\"_ _4\"></span>est income and loans and advances to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs30a\">A three months<span class=\"_ _1\"></span>\u2019 mov<span class=\"_ _4\"></span>ement in the weight<span class=\"_ _4\"></span>ed average time spen<span class=\"_ _4\"></span>t in the rev<span class=\"_ _4\"></span>ersion period for </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs30b\">Precise is considered t<span class=\"_ _4\"></span>o be a reasonably possible change in assumption in a sust<span class=\"_ _4\"></span>ained high </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs30c\">inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e environment and an uncertain macroeconomic outlook. The impact o<span class=\"_ _4\"></span>f a -/+ 3 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs30d\">months mov<span class=\"_ _4\"></span>ement in time spent on r<span class=\"_ _4\"></span>eversion by Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gages customers is -/+ c<span class=\"_ _4\"></span>.\u00a382m.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs30e\">As the BBR increased during 2<span class=\"_ _4\"></span>023, the additional monthly net in<span class=\"_ _4\"></span>terest income arising fr<span class=\"_ _4\"></span>om<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws6f gs30f\">follo<span class=\"_ _4\"></span>wing the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate appr<span class=\"_ _4\"></span>oach increased as the impact of time spen<span class=\"_ _4\"></span>t on a rever<span class=\"_ _4\"></span>sion </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs310\">rate bec<span class=\"_ _4\"></span>ame greater<span class=\"_ _1\"></span>. If BBR decreases, this will lead t<span class=\"_ _4\"></span>o a decrease in monthly net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs311\">Based on the loans and advances to cus<span class=\"_ _4\"></span>tomers balance as at 31 December 202<span class=\"_ _4\"></span>3, if BBR wer<span class=\"_ _4\"></span>e to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs312\">reduce by 50bps<span class=\"_ _4\"></span>, it is estimated that this w<span class=\"_ _4\"></span>ould decrease monthly net in<span class=\"_ _4\"></span>terest income by \u00a31.2m </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs313\">across Precise and K<span class=\"_ _4\"></span>ent Reliance Mortgages<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-501": {
   "value": "Estima<span class=\"_ _4\"></span>tes<span class=\"_ _311\"> </span>The Group has made the follo<span class=\"_ _4\"></span>wing estimates in the application o<span class=\"_ _4\"></span>f the accounting policies that have a significan<span class=\"_ _4\"></span>t risk of material adjustmen<span class=\"_ _4\"></span>t to the carrying amount of assets and liabilities within the next financial year:<span class=\"_ _311\"> </span>(i) <span class=\"_ _16\"> </span>Loan book<span class=\"_ _4\"></span> impair<span class=\"_ _4\"></span>ments<span class=\"_ _311\"> </span>Set out below ar<span class=\"_ _4\"></span>e details of the critical accounting es<span class=\"_ _4\"></span>timates which underpin loan impairment calculations<span class=\"_ _4\"></span>. Less significant es<span class=\"_ _4\"></span>timates are not discussed as they do not hav<span class=\"_ _4\"></span>e a material effect. The Group has recognise<span class=\"_ _4\"></span>d total impairments of \u00a3145<span class=\"_ _4\"></span>.8m (2022: \u00a3130<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>0m) at the reporting date as disclosed in note 20<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Mod<span class=\"_ _0\"></span>elled impairm<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Modelled pro<span class=\"_ _4\"></span>vision assessments are also subject to es<span class=\"_ _4\"></span>timation uncertainty, underpinned by a number of es<span class=\"_ _4\"></span>timates being made by management which are utilised within impairment calculations<span class=\"_ _4\"></span>. Key areas o<span class=\"_ _4\"></span>f estimation within modelled pro<span class=\"_ _4\"></span>visioning calculations include those regar<span class=\"_ _4\"></span>ding the L<span class=\"_ _4\"></span>GD and forwar<span class=\"_ _4\"></span>d-looking macroeconomic scenarios. Loss giv<span class=\"_ _4\"></span>en default model<span class=\"_ _311\"> </span>The Group has a number of L<span class=\"_ _1\"></span>GD models, which include es<span class=\"_ _4\"></span>timates regar<span class=\"_ _4\"></span>ding propensity to go to possession given de<span class=\"_ _4\"></span>fault (PPD), forced sale discoun<span class=\"_ _4\"></span>t, time to sale and sale costs<span class=\"_ _4\"></span>. The L<span class=\"_ _4\"></span>GD is sensitive to the applic<span class=\"_ _4\"></span>ation of the HPI, with an 8% haircut (2022: a 10% hair<span class=\"_ _4\"></span>cut) seen to be a reasonable percen<span class=\"_ _4\"></span>tage change when revie<span class=\"_ _4\"></span>wing historical and e<span class=\"_ _4\"></span>xpected 12 month outcomes<span class=\"_ _4\"></span>. The table belo<span class=\"_ _4\"></span>w shows the resulting incr<span class=\"_ _4\"></span>emental provision r<span class=\"_ _4\"></span>equired in an 8% house price haircut (2022: a 10% house price hair<span class=\"_ _4\"></span>cut) being directly applied to all exposures which no<span class=\"_ _4\"></span>t only adjust the sale discount but the propensity t<span class=\"_ _4\"></span>o go to possession.<span class=\"_ _311\"> </span><table class=\"s w16e hb4\" id=\"_35939ee3-3fb1-4419-93e1-55d473fe6522\"><tr><td></td><td class=\"t m0 x296 h2e y431f ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y431f ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4320 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4320 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y431a w170 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x41a y431b w171 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n x41b y4321 w173 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x41c y426b w174 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w175 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Group<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y431e w176 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x41e y426d w177 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7<span class=\"_ _311\"> </span></div></td></tr></table>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s forecas<span class=\"_ _4\"></span>ts of HPI mo<span class=\"_ _4\"></span>vements used in the impairmen<span class=\"_ _4\"></span>t models are disclosed in the Risk profile performance r<span class=\"_ _4\"></span>eview on page 62.<span class=\"_ _311\"> </span>Forward-looking macroeconomic scenarios<span class=\"_ _311\"> </span>The forwar<span class=\"_ _4\"></span>d-looking macroeconomic scenarios af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect all model components of the ECL<span class=\"_ _4\"></span> thus the calculation remains sensitiv<span class=\"_ _4\"></span>e to both the scenarios utilised and their associated probability<span class=\"_ gs27\"> </span>w<span class=\"_ _4\"></span>eightings.<span class=\"_ _311\"> </span>The Group has adopted an appr<span class=\"_ _4\"></span>oach which utilises four macroeconomic scenarios<span class=\"_ _4\"></span>. These scenarios are pro<span class=\"_ _4\"></span>vided by a reputable economics advisory firm, pro<span class=\"_ _4\"></span>viding management and the Board with advice on which scenarios to utilise and the pr<span class=\"_ _4\"></span>obability weightings to attach to each scenario<span class=\"_ _4\"></span>. A base case forecas<span class=\"_ _4\"></span>t is provided, to<span class=\"_ _4\"></span>gether with a plausible upside scenario. T<span class=\"_ _1\"></span>wo do<span class=\"_ _4\"></span>wnside scenarios are also provided (<span class=\"_ _4\"></span>downside and a sev<span class=\"_ _4\"></span>ere downside<span class=\"_ _4\"></span>). The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s macroeconomic scenarios can be found in the Cr<span class=\"_ _4\"></span>edit Risk section of the Risk profile performance ov<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>vie<span class=\"_ _4\"></span>w on page 62.<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables detail the ECL scenario sensitivity analysis with each scenario w<span class=\"_ _4\"></span>eighted at 100% probability. The sensitivity analysis is performed without considering the s<span class=\"_ _4\"></span>taging shifts driven by relativ<span class=\"_ _4\"></span>e or absolute PD thresholds. The purpose o<span class=\"_ _4\"></span>f using multiple economic scenarios is to model<span class=\"_ _0\"></span> the non-linear impact of assumptions surr<span class=\"_ _4\"></span>ounding macroeconomic factors and ECL<span class=\"_ _4\"></span> calculated:<span class=\"_ _311\"> </span>As at 31 Decemb<span class=\"_ _0\"></span>er 2<span class=\"_ _4\"></span>023<span class=\"_ _311\"> </span>W<span class=\"_ _4\"></span>eighted (see note 20)<span class=\"_ _311\"> </span><table class=\"s w178 hb5\" id=\"_5e6abb3d-f78b-48af-9f47-57e8a1418539\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x41f h2e y4322 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td></tr><tr><td></td><td></td><td class=\"t m0 x420 h2e y4323 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x421 h2e y4324 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x422 h2e y4325 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x423 h2e y4326 ff1 fs16 fc6 sc0 ls11c ws12f\">Seve<span class=\"_ _0\"></span>re </td></tr><tr><td></td><td></td><td class=\"t m0 x424 h2e y4327 ff1 fs16 fc6 sc0 ls1 ws0\">Base case </td><td class=\"t m0 x425 h2e y4328 ff1 fs16 fc6 sc0 ls1 ws0\">Upside </td><td class=\"t m0 x426 h2e y4329 ff1 fs16 fc6 sc0 ls1 ws0\">Downside </td><td class=\"t m0 x427 h2e y432a ff1 fs16 fc6 sc0 ls1 ws0\">downside </td></tr><tr><td></td><td></td><td class=\"t m0 x428 h2e y432b ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x429 h2e y432c ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2e y432d ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x42b h2e y432e ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w179 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans befor<span class=\"_ _4\"></span>e provisions<span class=\"_ _4\"></span>, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x42c y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42d y4330 w17b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42e y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42f y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x430 y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w17c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Modelled ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x431 y4332 w17d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x432 y4332 w17e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x433 y4332 w17f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">60.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x434 y4332 w180 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x435 y4332 w181 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">206.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w182 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed pro<span class=\"_ _4\"></span>visions ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x436 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x437 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x438 y4333 w184 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x439 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x43a y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w185 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post Model A<span class=\"_ _4\"></span>djustments ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x43b y4334 w186 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">23.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x43c y4334 w187 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x43d y4334 w188 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x43e y4334 w189 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x43f y4334 w18a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>5.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w18b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x440 y4321 w18c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">145.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x441 y4321 w18d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">120.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x442 y4321 w18e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">98<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x443 y4321 w18f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x444 y4321 w190 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">286.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w191 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">ECL co<span class=\"_ _4\"></span>verage<span class=\"_ _4\"></span>, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x445 y431e w192 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.56<span class=\"_ _311\"> </span></div></td><td class=\"c n x446 y431e w193 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x447 y431e w194 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">0.38<span class=\"_ _311\"> </span></div></td><td class=\"c n x448 y431e w58 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>76<span class=\"_ _311\"> </span></div></td><td class=\"c n x449 y431e w195 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>.11<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w196 hb6\" id=\"_ce1c5add-1d13-4613-a8ba-547b039e9c70\"><tr><td class=\"t m0 x28f h16 y4335 ff2 fs16 fc5 sc0 ls1 ws0\">As at 31 December 2022<span class=\"_ _24b\"> </span><span class=\"ff4 fs3\"> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4336 w179 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans befor<span class=\"_ _4\"></span>e provisions<span class=\"_ _4\"></span>, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x44a y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44b y4336 w198 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44c y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44d y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44e y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4337 w17c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Modelled ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x44f y4337 w199 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x450 y4337 w19a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x451 y4337 w19b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x452 y4337 w19c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x453 y4337 w19d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">120.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4266 w19e hb7\"><div class=\"t m0 x253 h16 y4338 ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed pro<span class=\"_ _4\"></span>visions ECL</div><div class=\"t m0 x454 h1b y4339 ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x455 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x456 y4266 w19f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x457 y4266 w19f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x458 y4266 w1a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x459 y4266 w1a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x45a y4266 w1a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b w1a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Post Model A<span class=\"_ _4\"></span>djustments ECL</div><div class=\"t m0 x45b h1b y433a ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x45c h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x45d y431b w1a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x45e y431b w1a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x45f y431b w1a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x460 y431b w54 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x461 y431b w1a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">75.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w18b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x462 y431d w1a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">13<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x463 y431d w1a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x464 y431d w1a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">94.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x465 y431d w1aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x466 y431d w1ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">2<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w191 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">ECL co<span class=\"_ _4\"></span>verage<span class=\"_ _4\"></span>, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x467 y426d w1ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.55<span class=\"_ _311\"> </span></div></td><td class=\"c n x468 y426d we5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x469 y426d w1ad ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x46a y426d w1ae ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">0<span class=\"_ _0\"></span>.72<span class=\"_ _311\"> </span></div></td><td class=\"c n x46b y426d w85 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.02<span class=\"_ _311\"> </span></div></td></tr></table>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>ndivi<span class=\"_ _0\"></span>dually a<span class=\"_ _0\"></span>sses<span class=\"_ _0\"></span>sed p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ions an<span class=\"_ _0\"></span>d post m<span class=\"_ _0\"></span>odel a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>re split o<span class=\"_ _0\"></span>ut in the c<span class=\"_ _0\"></span>urrent y<span class=\"_ _0\"></span>ear wit<span class=\"_ _0\"></span>h the rel<span class=\"_ _0\"></span>ated sensitivity r<span class=\"_ _4\"></span>eflected for the<span class=\"_ _4\"></span> pos<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span> model adjustments under<span class=\"_ _4\"></span> each scenario.<span class=\"_ _4\"></span> In the prior<span class=\"_ _4\"></span> year<span class=\"_ _4\"></span>, this wa<span class=\"_ _4\"></span>s included collectively as<span class=\"_ _4\"></span> \u2018Non-modelled ECL<span class=\"_ _3\"></span>\u2019<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>(ii<span class=\"_ _0\"></span>) <span class=\"_ _1b\"> </span>Ef<span class=\"_ _0\"></span>fective inte<span class=\"_ _0\"></span>rest rate on l<span class=\"_ _0\"></span>ending<span class=\"_ _311\"> </span>Estimat<span class=\"_ _4\"></span>es are made when calculating the EIR for ne<span class=\"_ _4\"></span>wly-originated loan assets<span class=\"_ _4\"></span>. These include the<span class=\"_ _0\"></span> lik<span class=\"_ _4\"></span>ely customer r<span class=\"_ _4\"></span>edemption profiles<span class=\"_ _4\"></span>. Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>oducts offered by the Group include dir<span class=\"_ _4\"></span>ectly attributable net fee income and a period on r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sion rates after the fixed/ discoun<span class=\"_ _4\"></span>t period. Products r<span class=\"_ _4\"></span>evert to the s<span class=\"_ _4\"></span>tandard variable r<span class=\"_ _4\"></span>ate (SVR) or Base r<span class=\"_ _4\"></span>ate plus a margin for the K<span class=\"_ _4\"></span>ent Reliance brand, a SONIA/Base rate plus a mar<span class=\"_ _4\"></span>gin for the Precise br<span class=\"_ _4\"></span>and and a LIBOR replacement rat<span class=\"_ _4\"></span>e/<span class=\"_ _311\"> </span>Base rate f<span class=\"_ _4\"></span>or the Interbay brand. Subse<span class=\"_ _4\"></span>quent to origination, changes in actual and expected cust<span class=\"_ _4\"></span>omer prepayment rat<span class=\"_ _4\"></span>es are reflected as incr<span class=\"_ _4\"></span>eases or decreases in the carrying value of lo<span class=\"_ _4\"></span>an<span class=\"_ _0\"></span> assets with a corresponding incr<span class=\"_ _4\"></span>ease or decrease in inter<span class=\"_ _4\"></span>est income. The Gr<span class=\"_ _4\"></span>oup uses historical cust<span class=\"_ _4\"></span>omer behaviours, e<span class=\"_ _4\"></span>xpected tak<span class=\"_ _4\"></span>e-up rate o<span class=\"_ _4\"></span>f retention pro<span class=\"_ _4\"></span>ducts and macroeconomic forecas<span class=\"_ _4\"></span>ts in its assessment o<span class=\"_ _4\"></span>f expected prepayment r<span class=\"_ _4\"></span>ates. Cus<span class=\"_ _4\"></span>tomer prepaymen<span class=\"_ _4\"></span>ts in a fixed rat<span class=\"_ _4\"></span>e or<span class=\"_ _0\"></span> incentive perio<span class=\"_ _4\"></span>d can give rise to Early Repaymen<span class=\"_ _4\"></span>t Charge (ERC) income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Judgement is used in es<span class=\"_ _4\"></span>timating the expected av<span class=\"_ _4\"></span>erage life of a mortgage<span class=\"_ _4\"></span>, to determine the quantum and timing of pr<span class=\"_ _4\"></span>epayments that incur ERCs<span class=\"_ _4\"></span>, the period over which net fee income is recognised and the time cus<span class=\"_ _4\"></span>tomers spend on re<span class=\"_ _4\"></span>version. E<span class=\"_ _4\"></span>stimates are r<span class=\"_ _4\"></span>eview<span class=\"_ _4\"></span>ed regularly, and ov<span class=\"_ _4\"></span>er the first half o<span class=\"_ _4\"></span>f 2023 the Group observed a s<span class=\"_ _4\"></span>tep change in how long Precise cus<span class=\"_ _4\"></span>tomers wer<span class=\"_ _4\"></span>e spending on the rever<span class=\"_ _4\"></span>sion rate<span class=\"_ _4\"></span>. As the Bank of England base rate (BBR) con<span class=\"_ _4\"></span>tinued to rise, cust<span class=\"_ _4\"></span>omers saw st<span class=\"_ _4\"></span>eep increases in the BBR-link<span class=\"_ _4\"></span>ed rev<span class=\"_ _4\"></span>ersion rat<span class=\"_ _4\"></span>e. As the Group has continued t<span class=\"_ _4\"></span>o dev<span class=\"_ _4\"></span>elop its Precise reten<span class=\"_ _4\"></span>tion programme<span class=\"_ _4\"></span>, customer<span class=\"_ _4\"></span>s chose to refinance earlier and spend less time on the higher rev<span class=\"_ _4\"></span>ersion r<span class=\"_ _4\"></span>ate, compared to pr<span class=\"_ _4\"></span>eviously observed behavioural tr<span class=\"_ _4\"></span>ends. There was no further material change in behaviour observed in the second half of 2<span class=\"_ _4\"></span>023 and the total adver<span class=\"_ _4\"></span>se Group statut<span class=\"_ _4\"></span>ory adjustment for 2<span class=\"_ _4\"></span>023 was \u00a3210<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m (2022: \u00a331.6m adv<span class=\"_ _4\"></span>erse) decreasing net inter<span class=\"_ _4\"></span>est income and loans and advances to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. A three months<span class=\"_ _1\"></span>\u2019 mov<span class=\"_ _4\"></span>ement in the weight<span class=\"_ _4\"></span>ed average time spen<span class=\"_ _4\"></span>t in the rev<span class=\"_ _4\"></span>ersion period for Precise is considered t<span class=\"_ _4\"></span>o be a reasonably possible change in assumption in a sust<span class=\"_ _4\"></span>ained high inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e environment and an uncertain macroeconomic outlook. The impact o<span class=\"_ _4\"></span>f a -/+ 3 months mov<span class=\"_ _4\"></span>ement in time spent on r<span class=\"_ _4\"></span>eversion by Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gages customers is -/+ c<span class=\"_ _4\"></span>.\u00a382m.<span class=\"_ _311\"> </span>As the BBR increased during 2<span class=\"_ _4\"></span>023, the additional monthly net in<span class=\"_ _4\"></span>terest income arising fr<span class=\"_ _4\"></span>om<span class=\"_ _0\"></span> follo<span class=\"_ _4\"></span>wing the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate appr<span class=\"_ _4\"></span>oach increased as the impact of time spen<span class=\"_ _4\"></span>t on a rever<span class=\"_ _4\"></span>sion rate bec<span class=\"_ _4\"></span>ame greater<span class=\"_ _1\"></span>. If BBR decreases, this will lead t<span class=\"_ _4\"></span>o a decrease in monthly net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>. Based on the loans and advances to cus<span class=\"_ _4\"></span>tomers balance as at 31 December 202<span class=\"_ _4\"></span>3, if BBR wer<span class=\"_ _4\"></span>e to reduce by 50bps<span class=\"_ _4\"></span>, it is estimated that this w<span class=\"_ _4\"></span>ould decrease monthly net in<span class=\"_ _4\"></span>terest income by \u00a31.2m across Precise and K<span class=\"_ _4\"></span>ent Reliance Mortgages<span class=\"_ _4\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAssetsAndLiabilitiesWithSignificantRiskOfMaterialAdjustmentExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-475": {
   "value": "Estima<span class=\"_ _4\"></span>tes<span class=\"_ _311\"> </span>The Group has made the follo<span class=\"_ _4\"></span>wing estimates in the application o<span class=\"_ _4\"></span>f the accounting policies that have a significan<span class=\"_ _4\"></span>t risk of material adjustmen<span class=\"_ _4\"></span>t to the carrying amount of assets and liabilities within the next financial year:<span class=\"_ _311\"> </span>(i) <span class=\"_ _16\"> </span>Loan book<span class=\"_ _4\"></span> impair<span class=\"_ _4\"></span>ments<span class=\"_ _311\"> </span>Set out below ar<span class=\"_ _4\"></span>e details of the critical accounting es<span class=\"_ _4\"></span>timates which underpin loan impairment calculations<span class=\"_ _4\"></span>. Less significant es<span class=\"_ _4\"></span>timates are not discussed as they do not hav<span class=\"_ _4\"></span>e a material effect. The Group has recognise<span class=\"_ _4\"></span>d total impairments of \u00a3145<span class=\"_ _4\"></span>.8m (2022: \u00a3130<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>0m) at the reporting date as disclosed in note 20<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>Mod<span class=\"_ _0\"></span>elled impairm<span class=\"_ _0\"></span>ent<span class=\"_ _311\"> </span>Modelled pro<span class=\"_ _4\"></span>vision assessments are also subject to es<span class=\"_ _4\"></span>timation uncertainty, underpinned by a number of es<span class=\"_ _4\"></span>timates being made by management which are utilised within impairment calculations<span class=\"_ _4\"></span>. Key areas o<span class=\"_ _4\"></span>f estimation within modelled pro<span class=\"_ _4\"></span>visioning calculations include those regar<span class=\"_ _4\"></span>ding the L<span class=\"_ _4\"></span>GD and forwar<span class=\"_ _4\"></span>d-looking macroeconomic scenarios. Loss giv<span class=\"_ _4\"></span>en default model<span class=\"_ _311\"> </span>The Group has a number of L<span class=\"_ _1\"></span>GD models, which include es<span class=\"_ _4\"></span>timates regar<span class=\"_ _4\"></span>ding propensity to go to possession given de<span class=\"_ _4\"></span>fault (PPD), forced sale discoun<span class=\"_ _4\"></span>t, time to sale and sale costs<span class=\"_ _4\"></span>. The L<span class=\"_ _4\"></span>GD is sensitive to the applic<span class=\"_ _4\"></span>ation of the HPI, with an 8% haircut (2022: a 10% hair<span class=\"_ _4\"></span>cut) seen to be a reasonable percen<span class=\"_ _4\"></span>tage change when revie<span class=\"_ _4\"></span>wing historical and e<span class=\"_ _4\"></span>xpected 12 month outcomes<span class=\"_ _4\"></span>. The table belo<span class=\"_ _4\"></span>w shows the resulting incr<span class=\"_ _4\"></span>emental provision r<span class=\"_ _4\"></span>equired in an 8% house price haircut (2022: a 10% house price hair<span class=\"_ _4\"></span>cut) being directly applied to all exposures which no<span class=\"_ _4\"></span>t only adjust the sale discount but the propensity t<span class=\"_ _4\"></span>o go to possession.<span class=\"_ _311\"> </span><table class=\"s w16e hb4\" id=\"_35939ee3-3fb1-4419-93e1-55d473fe6522\"><tr><td></td><td class=\"t m0 x296 h2e y431f ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y431f ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4320 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4320 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y431a w170 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x41a y431b w171 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n x41b y4321 w173 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x41c y426b w174 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w175 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Group<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y431e w176 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x41e y426d w177 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7<span class=\"_ _311\"> </span></div></td></tr></table>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s forecas<span class=\"_ _4\"></span>ts of HPI mo<span class=\"_ _4\"></span>vements used in the impairmen<span class=\"_ _4\"></span>t models are disclosed in the Risk profile performance r<span class=\"_ _4\"></span>eview on page 62.<span class=\"_ _311\"> </span>Forward-looking macroeconomic scenarios<span class=\"_ _311\"> </span>The forwar<span class=\"_ _4\"></span>d-looking macroeconomic scenarios af<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect all model components of the ECL<span class=\"_ _4\"></span> thus the calculation remains sensitiv<span class=\"_ _4\"></span>e to both the scenarios utilised and their associated probability<span class=\"_ gs27\"> </span>w<span class=\"_ _4\"></span>eightings.<span class=\"_ _311\"> </span>The Group has adopted an appr<span class=\"_ _4\"></span>oach which utilises four macroeconomic scenarios<span class=\"_ _4\"></span>. These scenarios are pro<span class=\"_ _4\"></span>vided by a reputable economics advisory firm, pro<span class=\"_ _4\"></span>viding management and the Board with advice on which scenarios to utilise and the pr<span class=\"_ _4\"></span>obability weightings to attach to each scenario<span class=\"_ _4\"></span>. A base case forecas<span class=\"_ _4\"></span>t is provided, to<span class=\"_ _4\"></span>gether with a plausible upside scenario. T<span class=\"_ _1\"></span>wo do<span class=\"_ _4\"></span>wnside scenarios are also provided (<span class=\"_ _4\"></span>downside and a sev<span class=\"_ _4\"></span>ere downside<span class=\"_ _4\"></span>). The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s macroeconomic scenarios can be found in the Cr<span class=\"_ _4\"></span>edit Risk section of the Risk profile performance ov<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>vie<span class=\"_ _4\"></span>w on page 62.<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables detail the ECL scenario sensitivity analysis with each scenario w<span class=\"_ _4\"></span>eighted at 100% probability. The sensitivity analysis is performed without considering the s<span class=\"_ _4\"></span>taging shifts driven by relativ<span class=\"_ _4\"></span>e or absolute PD thresholds. The purpose o<span class=\"_ _4\"></span>f using multiple economic scenarios is to model<span class=\"_ _0\"></span> the non-linear impact of assumptions surr<span class=\"_ _4\"></span>ounding macroeconomic factors and ECL<span class=\"_ _4\"></span> calculated:<span class=\"_ _311\"> </span>As at 31 Decemb<span class=\"_ _0\"></span>er 2<span class=\"_ _4\"></span>023<span class=\"_ _311\"> </span>W<span class=\"_ _4\"></span>eighted (see note 20)<span class=\"_ _311\"> </span><table class=\"s w178 hb5\" id=\"_5e6abb3d-f78b-48af-9f47-57e8a1418539\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x41f h2e y4322 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td></tr><tr><td></td><td></td><td class=\"t m0 x420 h2e y4323 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x421 h2e y4324 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x422 h2e y4325 ff1 fs16 fc6 sc0 ls1 ws0\">100% </td><td class=\"t m0 x423 h2e y4326 ff1 fs16 fc6 sc0 ls11c ws12f\">Seve<span class=\"_ _0\"></span>re </td></tr><tr><td></td><td></td><td class=\"t m0 x424 h2e y4327 ff1 fs16 fc6 sc0 ls1 ws0\">Base case </td><td class=\"t m0 x425 h2e y4328 ff1 fs16 fc6 sc0 ls1 ws0\">Upside </td><td class=\"t m0 x426 h2e y4329 ff1 fs16 fc6 sc0 ls1 ws0\">Downside </td><td class=\"t m0 x427 h2e y432a ff1 fs16 fc6 sc0 ls1 ws0\">downside </td></tr><tr><td></td><td></td><td class=\"t m0 x428 h2e y432b ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x429 h2e y432c ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2e y432d ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td><td class=\"t m0 x42b h2e y432e ff1 fs16 fc6 sc0 ls1 ws0\">scenario<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w179 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans befor<span class=\"_ _4\"></span>e provisions<span class=\"_ _4\"></span>, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x42c y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42d y4330 w17b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42e y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x42f y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x430 y4330 w17a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w17c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Modelled ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x431 y4332 w17d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x432 y4332 w17e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x433 y4332 w17f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">60.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x434 y4332 w180 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x435 y4332 w181 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">206.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w182 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed pro<span class=\"_ _4\"></span>visions ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x436 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x437 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x438 y4333 w184 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x439 y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x43a y4333 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w185 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post Model A<span class=\"_ _4\"></span>djustments ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x43b y4334 w186 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">23.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x43c y4334 w187 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x43d y4334 w188 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x43e y4334 w189 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x43f y4334 w18a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>5.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w18b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x440 y4321 w18c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">145.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x441 y4321 w18d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">120.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x442 y4321 w18e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">98<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x443 y4321 w18f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x444 y4321 w190 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">286.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w191 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">ECL co<span class=\"_ _4\"></span>verage<span class=\"_ _4\"></span>, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x445 y431e w192 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.56<span class=\"_ _311\"> </span></div></td><td class=\"c n x446 y431e w193 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x447 y431e w194 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">0.38<span class=\"_ _311\"> </span></div></td><td class=\"c n x448 y431e w58 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>76<span class=\"_ _311\"> </span></div></td><td class=\"c n x449 y431e w195 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>.11<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w196 hb6\" id=\"_ce1c5add-1d13-4613-a8ba-547b039e9c70\"><tr><td class=\"t m0 x28f h16 y4335 ff2 fs16 fc5 sc0 ls1 ws0\">As at 31 December 2022<span class=\"_ _24b\"> </span><span class=\"ff4 fs3\"> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4336 w179 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans befor<span class=\"_ _4\"></span>e provisions<span class=\"_ _4\"></span>, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x44a y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44b y4336 w198 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44c y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44d y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x44e y4336 w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4337 w17c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Modelled ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x44f y4337 w199 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x450 y4337 w19a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x451 y4337 w19b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x452 y4337 w19c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x453 y4337 w19d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">120.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4266 w19e hb7\"><div class=\"t m0 x253 h16 y4338 ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed pro<span class=\"_ _4\"></span>visions ECL</div><div class=\"t m0 x454 h1b y4339 ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x455 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x456 y4266 w19f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x457 y4266 w19f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x458 y4266 w1a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x459 y4266 w1a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x45a y4266 w1a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b w1a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Post Model A<span class=\"_ _4\"></span>djustments ECL</div><div class=\"t m0 x45b h1b y433a ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x45c h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x45d y431b w1a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x45e y431b w1a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x45f y431b w1a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x460 y431b w54 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x461 y431b w1a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">75.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w18b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal ECL, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x462 y431d w1a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">13<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x463 y431d w1a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x464 y431d w1a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">94.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x465 y431d w1aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x466 y431d w1ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">2<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w191 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">ECL co<span class=\"_ _4\"></span>verage<span class=\"_ _4\"></span>, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x467 y426d w1ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.55<span class=\"_ _311\"> </span></div></td><td class=\"c n x468 y426d we5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x469 y426d w1ad ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x46a y426d w1ae ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">0<span class=\"_ _0\"></span>.72<span class=\"_ _311\"> </span></div></td><td class=\"c n x46b y426d w85 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.02<span class=\"_ _311\"> </span></div></td></tr></table>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>ndivi<span class=\"_ _0\"></span>dually a<span class=\"_ _0\"></span>sses<span class=\"_ _0\"></span>sed p<span class=\"_ _0\"></span>rovis<span class=\"_ _0\"></span>ions an<span class=\"_ _0\"></span>d post m<span class=\"_ _0\"></span>odel a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>re split o<span class=\"_ _0\"></span>ut in the c<span class=\"_ _0\"></span>urrent y<span class=\"_ _0\"></span>ear wit<span class=\"_ _0\"></span>h the rel<span class=\"_ _0\"></span>ated sensitivity r<span class=\"_ _4\"></span>eflected for the<span class=\"_ _4\"></span> pos<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span> model adjustments under<span class=\"_ _4\"></span> each scenario.<span class=\"_ _4\"></span> In the prior<span class=\"_ _4\"></span> year<span class=\"_ _4\"></span>, this wa<span class=\"_ _4\"></span>s included collectively as<span class=\"_ _4\"></span> \u2018Non-modelled ECL<span class=\"_ _3\"></span>\u2019<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>(ii<span class=\"_ _0\"></span>) <span class=\"_ _1b\"> </span>Ef<span class=\"_ _0\"></span>fective inte<span class=\"_ _0\"></span>rest rate on l<span class=\"_ _0\"></span>ending<span class=\"_ _311\"> </span>Estimat<span class=\"_ _4\"></span>es are made when calculating the EIR for ne<span class=\"_ _4\"></span>wly-originated loan assets<span class=\"_ _4\"></span>. These include the<span class=\"_ _0\"></span> lik<span class=\"_ _4\"></span>ely customer r<span class=\"_ _4\"></span>edemption profiles<span class=\"_ _4\"></span>. Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>oducts offered by the Group include dir<span class=\"_ _4\"></span>ectly attributable net fee income and a period on r<span class=\"_ _4\"></span>ever<span class=\"_ _4\"></span>sion rates after the fixed/ discoun<span class=\"_ _4\"></span>t period. Products r<span class=\"_ _4\"></span>evert to the s<span class=\"_ _4\"></span>tandard variable r<span class=\"_ _4\"></span>ate (SVR) or Base r<span class=\"_ _4\"></span>ate plus a margin for the K<span class=\"_ _4\"></span>ent Reliance brand, a SONIA/Base rate plus a mar<span class=\"_ _4\"></span>gin for the Precise br<span class=\"_ _4\"></span>and and a LIBOR replacement rat<span class=\"_ _4\"></span>e/<span class=\"_ _311\"> </span>Base rate f<span class=\"_ _4\"></span>or the Interbay brand. Subse<span class=\"_ _4\"></span>quent to origination, changes in actual and expected cust<span class=\"_ _4\"></span>omer prepayment rat<span class=\"_ _4\"></span>es are reflected as incr<span class=\"_ _4\"></span>eases or decreases in the carrying value of lo<span class=\"_ _4\"></span>an<span class=\"_ _0\"></span> assets with a corresponding incr<span class=\"_ _4\"></span>ease or decrease in inter<span class=\"_ _4\"></span>est income. The Gr<span class=\"_ _4\"></span>oup uses historical cust<span class=\"_ _4\"></span>omer behaviours, e<span class=\"_ _4\"></span>xpected tak<span class=\"_ _4\"></span>e-up rate o<span class=\"_ _4\"></span>f retention pro<span class=\"_ _4\"></span>ducts and macroeconomic forecas<span class=\"_ _4\"></span>ts in its assessment o<span class=\"_ _4\"></span>f expected prepayment r<span class=\"_ _4\"></span>ates. Cus<span class=\"_ _4\"></span>tomer prepaymen<span class=\"_ _4\"></span>ts in a fixed rat<span class=\"_ _4\"></span>e or<span class=\"_ _0\"></span> incentive perio<span class=\"_ _4\"></span>d can give rise to Early Repaymen<span class=\"_ _4\"></span>t Charge (ERC) income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Judgement is used in es<span class=\"_ _4\"></span>timating the expected av<span class=\"_ _4\"></span>erage life of a mortgage<span class=\"_ _4\"></span>, to determine the quantum and timing of pr<span class=\"_ _4\"></span>epayments that incur ERCs<span class=\"_ _4\"></span>, the period over which net fee income is recognised and the time cus<span class=\"_ _4\"></span>tomers spend on re<span class=\"_ _4\"></span>version. E<span class=\"_ _4\"></span>stimates are r<span class=\"_ _4\"></span>eview<span class=\"_ _4\"></span>ed regularly, and ov<span class=\"_ _4\"></span>er the first half o<span class=\"_ _4\"></span>f 2023 the Group observed a s<span class=\"_ _4\"></span>tep change in how long Precise cus<span class=\"_ _4\"></span>tomers wer<span class=\"_ _4\"></span>e spending on the rever<span class=\"_ _4\"></span>sion rate<span class=\"_ _4\"></span>. As the Bank of England base rate (BBR) con<span class=\"_ _4\"></span>tinued to rise, cust<span class=\"_ _4\"></span>omers saw st<span class=\"_ _4\"></span>eep increases in the BBR-link<span class=\"_ _4\"></span>ed rev<span class=\"_ _4\"></span>ersion rat<span class=\"_ _4\"></span>e. As the Group has continued t<span class=\"_ _4\"></span>o dev<span class=\"_ _4\"></span>elop its Precise reten<span class=\"_ _4\"></span>tion programme<span class=\"_ _4\"></span>, customer<span class=\"_ _4\"></span>s chose to refinance earlier and spend less time on the higher rev<span class=\"_ _4\"></span>ersion r<span class=\"_ _4\"></span>ate, compared to pr<span class=\"_ _4\"></span>eviously observed behavioural tr<span class=\"_ _4\"></span>ends. There was no further material change in behaviour observed in the second half of 2<span class=\"_ _4\"></span>023 and the total adver<span class=\"_ _4\"></span>se Group statut<span class=\"_ _4\"></span>ory adjustment for 2<span class=\"_ _4\"></span>023 was \u00a3210<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m (2022: \u00a331.6m adv<span class=\"_ _4\"></span>erse) decreasing net inter<span class=\"_ _4\"></span>est income and loans and advances to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. A three months<span class=\"_ _1\"></span>\u2019 mov<span class=\"_ _4\"></span>ement in the weight<span class=\"_ _4\"></span>ed average time spen<span class=\"_ _4\"></span>t in the rev<span class=\"_ _4\"></span>ersion period for Precise is considered t<span class=\"_ _4\"></span>o be a reasonably possible change in assumption in a sust<span class=\"_ _4\"></span>ained high inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e environment and an uncertain macroeconomic outlook. The impact o<span class=\"_ _4\"></span>f a -/+ 3 months mov<span class=\"_ _4\"></span>ement in time spent on r<span class=\"_ _4\"></span>eversion by Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gages customers is -/+ c<span class=\"_ _4\"></span>.\u00a382m.<span class=\"_ _311\"> </span>As the BBR increased during 2<span class=\"_ _4\"></span>023, the additional monthly net in<span class=\"_ _4\"></span>terest income arising fr<span class=\"_ _4\"></span>om<span class=\"_ _0\"></span> follo<span class=\"_ _4\"></span>wing the ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ective interes<span class=\"_ _4\"></span>t rate appr<span class=\"_ _4\"></span>oach increased as the impact of time spen<span class=\"_ _4\"></span>t on a rever<span class=\"_ _4\"></span>sion rate bec<span class=\"_ _4\"></span>ame greater<span class=\"_ _1\"></span>. If BBR decreases, this will lead t<span class=\"_ _4\"></span>o a decrease in monthly net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>. Based on the loans and advances to cus<span class=\"_ _4\"></span>tomers balance as at 31 December 202<span class=\"_ _4\"></span>3, if BBR wer<span class=\"_ _4\"></span>e to reduce by 50bps<span class=\"_ _4\"></span>, it is estimated that this w<span class=\"_ _4\"></span>ould decrease monthly net in<span class=\"_ _4\"></span>terest income by \u00a31.2m across Precise and K<span class=\"_ _4\"></span>ent Reliance Mortgages<span class=\"_ _4\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-426": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs315\">3. <span class=\"_ _18\"> </span>Interest receivable and similar income<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w1af hb8\" id=\"_d42b4226-d570-4c7a-a1ae-4c03d1f14d22\"><tr><td></td><td class=\"t m0 x288 h2e y433b ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y433b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y433c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y433c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y433d ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y433e ff4 fs3 fc5 sc0 ls1 ws0\">On OSB mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46c y433f w1b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x46d y4340 w1b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls7a ws80\">591.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4341 ff4 fs3 fc5 sc0 ls1 ws0\">On CCFS mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4342 w1b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">431.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x46f y4343 w1b3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">411<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4344 w1b4 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x470 y4345 w1b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x471 y4344 w1b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4346 w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x472 y4347 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y4346 w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4348 w1b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On other liquid assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x474 y4349 w1ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">159<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x475 y4348 w1bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y434a w1bc hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS loan book at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x476 y434b w1bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x477 y434a w1be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(61.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y434c ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged assets<span class=\"_ _311\"> </span></td><td class=\"c n x478 y434d w1bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x479 y4311 w1c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>34<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y434e w1c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,313.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47b y4260 w1c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">960.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y434f ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4350 ff4 fs3 fc5 sc0 ls1 ws0\">Net income on derivative financial ins<span class=\"_ _4\"></span>truments  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w1c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 lending activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47c y4351 w1c4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">442<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x47d y4266 w1c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4352 ff1 fs3 fc5 sc0 ls1 ws0\">At FV<span class=\"_ _4\"></span>OCI:<span class=\"_ _24f\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47e y4321 w1c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y426b w1c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x480 y431e w1c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x481 y426d w1c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs317\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs318\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs319\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs31a\">1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated r<span class=\"_ _0\"></span>eset g<span class=\"_ _0\"></span>ains of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a3<span class=\"_ _0\"></span>18.5<span class=\"_ _0\"></span>m gains).<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs31b\">2. <span class=\"_ _38\"> </span>Inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated re<span class=\"_ _0\"></span>set lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s of \u00a318<span class=\"_ _0\"></span>2.5m (2022: \u00a3<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>1.7m los<span class=\"_ _0\"></span>ses).<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs31c\">3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates to h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>ed ass<span class=\"_ _0\"></span>ets wh<span class=\"_ _0\"></span>ere the h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>s were te<span class=\"_ _0\"></span>rminat<span class=\"_ _0\"></span>ed bef<span class=\"_ _0\"></span>ore matur<span class=\"_ _0\"></span>ity and we<span class=\"_ _0\"></span>re ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve at </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls57 ws5b gs31d\">the point of termination.<span class=\"_ _311\"> </span></div>4<span class=\"_ _4\"></span>. <span class=\"_ _26\"> </span>Interest payable and similar char<span class=\"_ _4\"></span>ges<span class=\"_ _311\"> </span><table class=\"s w1ca hb9\" id=\"_956ed6a9-1b1d-4cbc-9be6-91fc0a93fc07\"><tr><td></td><td class=\"t m0 x296 h2e y4353 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4353 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4354 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4354 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4355 ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4356 w1cb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On retail deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x482 y4357 w1cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x483 y4356 w1cd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4358 w1ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On BoE borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x484 y4359 w1cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">196.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x485 y4358 w1d0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">64.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435a w1d1 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On wholesale borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x486 y435b w1d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x487 y435a w1d3 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435c w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x488 y435d w1d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x489 y435c w143 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435e w1d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48a y435f w1d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x48b y435e w1d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4360 w1d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x48c y4361 w1da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x2da y4360 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4362 w1db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x48d y4363 w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x48e y4362 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4364 w1dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On lease liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48f y4365 w1de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x490 y4364 w1df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4366 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on CCFS cus<span class=\"_ _4\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x254 y4367 w1e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">deposits at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x491 y4368 w1e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x492 y4367 w1e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4369 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x493 y436a w1e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x494 y436b w1e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x495 y436c w1e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,036.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x496 y436d w1e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">334.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y436e ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y436f ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 w1e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 savings activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x497 y4371 w1e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">71.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x498 y4370 w1e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4372 ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 subordinate<span class=\"_ _4\"></span>d liabilities and senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x499 y426a w1eb hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x49a y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x49b y426c w1ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _1\"></span>10<span class=\"_ _0\"></span>8.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x49c y426d w1ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>ed liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s where t<span class=\"_ _0\"></span>he hed<span class=\"_ _0\"></span>ges we<span class=\"_ _0\"></span>re termin<span class=\"_ _0\"></span>ated b<span class=\"_ _0\"></span>efore m<span class=\"_ _0\"></span>aturity an<span class=\"_ _0\"></span>d were ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>ctive at the point of termination.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-534": {
   "value": "3. <span class=\"_ _18\"> </span>Interest receivable and similar income<span class=\"_ _311\"> </span><table class=\"s w1af hb8\" id=\"_d42b4226-d570-4c7a-a1ae-4c03d1f14d22\"><tr><td></td><td class=\"t m0 x288 h2e y433b ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y433b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y433c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y433c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y433d ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y433e ff4 fs3 fc5 sc0 ls1 ws0\">On OSB mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46c y433f w1b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x46d y4340 w1b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls7a ws80\">591.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4341 ff4 fs3 fc5 sc0 ls1 ws0\">On CCFS mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4342 w1b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">431.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x46f y4343 w1b3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">411<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4344 w1b4 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x470 y4345 w1b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x471 y4344 w1b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4346 w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x472 y4347 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y4346 w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4348 w1b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On other liquid assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x474 y4349 w1ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">159<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x475 y4348 w1bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y434a w1bc hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS loan book at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x476 y434b w1bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x477 y434a w1be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(61.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y434c ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged assets<span class=\"_ _311\"> </span></td><td class=\"c n x478 y434d w1bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x479 y4311 w1c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>34<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y434e w1c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,313.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47b y4260 w1c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">960.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y434f ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4350 ff4 fs3 fc5 sc0 ls1 ws0\">Net income on derivative financial ins<span class=\"_ _4\"></span>truments  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w1c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 lending activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47c y4351 w1c4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">442<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x47d y4266 w1c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4352 ff1 fs3 fc5 sc0 ls1 ws0\">At FV<span class=\"_ _4\"></span>OCI:<span class=\"_ _24f\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47e y4321 w1c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y426b w1c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x480 y431e w1c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x481 y426d w1c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated r<span class=\"_ _0\"></span>eset g<span class=\"_ _0\"></span>ains of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a3<span class=\"_ _0\"></span>18.5<span class=\"_ _0\"></span>m gains).<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated re<span class=\"_ _0\"></span>set lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s of \u00a318<span class=\"_ _0\"></span>2.5m (2022: \u00a3<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>1.7m los<span class=\"_ _0\"></span>ses).<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates to h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>ed ass<span class=\"_ _0\"></span>ets wh<span class=\"_ _0\"></span>ere the h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>s were te<span class=\"_ _0\"></span>rminat<span class=\"_ _0\"></span>ed bef<span class=\"_ _0\"></span>ore matur<span class=\"_ _0\"></span>ity and we<span class=\"_ _0\"></span>re ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve at the point of termination.<span class=\"_ _311\"> </span>4<span class=\"_ _4\"></span>. <span class=\"_ _26\"> </span>Interest payable and similar char<span class=\"_ _4\"></span>ges<span class=\"_ _311\"> </span><table class=\"s w1ca hb9\" id=\"_956ed6a9-1b1d-4cbc-9be6-91fc0a93fc07\"><tr><td></td><td class=\"t m0 x296 h2e y4353 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4353 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4354 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4354 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4355 ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4356 w1cb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On retail deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x482 y4357 w1cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x483 y4356 w1cd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4358 w1ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On BoE borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x484 y4359 w1cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">196.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x485 y4358 w1d0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">64.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435a w1d1 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On wholesale borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x486 y435b w1d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x487 y435a w1d3 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435c w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x488 y435d w1d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x489 y435c w143 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435e w1d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48a y435f w1d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x48b y435e w1d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4360 w1d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x48c y4361 w1da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x2da y4360 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4362 w1db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x48d y4363 w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x48e y4362 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4364 w1dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On lease liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48f y4365 w1de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x490 y4364 w1df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4366 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on CCFS cus<span class=\"_ _4\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x254 y4367 w1e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">deposits at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x491 y4368 w1e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x492 y4367 w1e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4369 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x493 y436a w1e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x494 y436b w1e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x495 y436c w1e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,036.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x496 y436d w1e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">334.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y436e ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y436f ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 w1e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 savings activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x497 y4371 w1e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">71.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x498 y4370 w1e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4372 ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 subordinate<span class=\"_ _4\"></span>d liabilities and senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x499 y426a w1eb hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x49a y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x49b y426c w1ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _1\"></span>10<span class=\"_ _0\"></span>8.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x49c y426d w1ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>ed liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s where t<span class=\"_ _0\"></span>he hed<span class=\"_ _0\"></span>ges we<span class=\"_ _0\"></span>re termin<span class=\"_ _0\"></span>ated b<span class=\"_ _0\"></span>efore m<span class=\"_ _0\"></span>aturity an<span class=\"_ _0\"></span>d were ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>ctive at the point of termination.<span class=\"_ _311\"> </span>19<span class=\"_ _3\"></span>.  Finance leases<span class=\"_ _311\"> </span>The Group pro<span class=\"_ _4\"></span>vides asset finance lending through InterBay Asset Finance Limite<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span><table class=\"s w259 hd3\" id=\"_c83633b2-bd58-4edb-bded-e9fd26784f9c\"><tr><td></td><td class=\"t m0 x288 h2e y445c ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y445c ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y445d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y445d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y445e ff1 fs3 fc5 sc0 ls1 ws0\">Gross inv<span class=\"_ _4\"></span>estment in finance leases, rec<span class=\"_ _0\"></span>eiv<span class=\"_ _4\"></span>able<span class=\"_ _b6\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y445f w422 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Less than one ye<span class=\"_ _4\"></span>ar<span class=\"_ _311\"> </span></div></td><td class=\"c n x6db y4460 w423 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">83.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6dc y445f w17d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">60.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4461 w424 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between one and tw<span class=\"_ _4\"></span>o years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6dd y4462 w425 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">68.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6de y4461 w100 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4463 w426 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between tw<span class=\"_ _4\"></span>o and three years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6df y4464 w427 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">51.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e0 y4463 w428 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4465 w429 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between thr<span class=\"_ _4\"></span>ee and four years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e1 y4466 w28a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">31.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e2 y4465 w42a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4467 w42b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between four and fiv<span class=\"_ _4\"></span>e years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e3 y4468 w42c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">12<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e4 y4467 w2a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4469 w42d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">More than fiv<span class=\"_ _4\"></span>e years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e5 y446a w42e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e6 y4469 w2dc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x6e7 y446b w372 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">249<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e8 y446c w42f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">18<span class=\"_ _0\"></span>0.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446d w430 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Unearned finance income<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e9 y446e w431 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">(<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ea y446d w384 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438d w432 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net inv<span class=\"_ _4\"></span>estment in finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x6eb y446f w3bc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">222.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ec y438d w433 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4470 ff1 fs3 fc5 sc0 ls1 ws0\">Net inv<span class=\"_ _4\"></span>estment in finance leases, rec<span class=\"_ _0\"></span>eiv<span class=\"_ _4\"></span>able<span class=\"_ _170\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y43d2 w422 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Less than one ye<span class=\"_ _4\"></span>ar<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ed y4471 w434 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">71.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ee y43d2 w435 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w424 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between one and tw<span class=\"_ _4\"></span>o years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6dd y440a w193 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ef y432f w436 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w426 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between tw<span class=\"_ _4\"></span>o and three years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6f0 y4265 w437 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6f1 y4264 w2c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">33.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w429 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between thr<span class=\"_ _4\"></span>ee and four years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6f2 y4267 w438 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6f3 y4266 w439 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">22.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w42b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Between four and fiv<span class=\"_ _4\"></span>e years<span class=\"_ _311\"> </span></div></td><td class=\"c n x41b y439e w173 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6f4 y431b w43a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w42d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">More than fiv<span class=\"_ _4\"></span>e years<span class=\"_ _311\"> </span></div></td><td class=\"c n x6e5 y439f w43b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y431d w2dc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e3 y426c w43c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">222<span class=\"_ _0\"></span>.<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6f5 y426d w43d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">163<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr></table>The Group has recognise<span class=\"_ _4\"></span>d \u00a33.<span class=\"_ _4\"></span>0m of ECLs on finance leases as at 31 December 2023 (2022:<span class=\"_ gs27\"> </span>\u00a34<span class=\"_ _1\"></span>.8m). <div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs4a6\">26<span class=\"_ _4\"></span>. Pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty, plant and equipment<span class=\"_ _311\"> </span></div><div class=\"gs4a7\"><table class=\"s w547 he1\" id=\"_90d8b13e-a282-47e1-aa8e-ed56cdb3efc1\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x425 h2b y4579 ff2 fs16 fc5 sc0 ls1 ws0\">Right of use assets<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8be h2b y457a ff2 fs16 fc5 sc0 ls1 ws0\">Freehold </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x66a h2b y457b ff2 fs16 fc5 sc0 ls1 ws0\">land and </td><td class=\"t m0 x6f8 h2b y457c ff2 fs16 fc5 sc0 ls1 ws0\">Leasehold </td><td class=\"t m0 x424 h2b y457d ff2 fs16 fc5 sc0 ls1 ws0\">Equipment </td><td class=\"t m0 x8bf h2b y457e ff2 fs16 fc5 sc0 ls1 ws0\">Property </td><td class=\"t m0 x422 h2b y457f ff2 fs16 fc5 sc0 ls1 ws0\">Other  </td><td></td></tr><tr><td></td><td class=\"t m0 x66a h2b y4580 ff2 fs16 fc5 sc0 ls1 ws0\">buildings<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c0 h2b y4581 ff2 fs16 fc5 sc0 ls1 ws0\">improv<span class=\"_ _4\"></span>ements<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c1 h2b y4582 ff2 fs16 fc5 sc0 ls1 ws0\">and fixtures<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4583 ff2 fs16 fc5 sc0 ls1 ws0\">leases<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c2 h2b y4584 ff2 fs16 fc5 sc0 ls1 ws0\">leases<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4582 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x802 h2b y4585 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b3 h2b y4586 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2b y4587 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2b y4588 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b6 h2b y4589 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4587 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y458a ff1 fs3 fc5 sc0 ls7d ws84\">Co<span class=\"_ _0\"></span>st<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y458b wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c4 y458b w2d7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c5 y458b w548 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c6 y458b wb7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c7 y458b w102 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c8 y458b w2de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c9 y458b w549 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y458c ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x8ca y458d w452 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cb y458d w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cc y458d w54a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cd y458d w54b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ce y458d w54c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cf y458d w2ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y458e ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y458f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d1 y458f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d2 y458f w34b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d3 y458f w352 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d4 y458f w54d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d5 y458f w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4590 w54f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change dif<span class=\"_ _0\"></span>fer<span class=\"_ _4\"></span>ence<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d6 y4590 we0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws46\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d7 y4590 we1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws46\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d8 y4590 w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d9 y4590 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8da y4590 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8db y4590 w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4591 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x8dc y4591 w550 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">20.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8dd y4591 w551 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8de y4591 w552 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8df y4591 w553 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e0 y4591 w554 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e1 y4591 w555 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4592 ff1 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x8e2 y4593 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e3 y4593 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e4 y4593 w556 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e5 y4593 w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e6 y4593 w116 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e7 y4593 w557 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4594 ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y4595 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e8 y4595 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e9 y4595 w558 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ea y4595 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8eb y4595 w541 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ec y4595 w559 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(3<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4596 ff1 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4597 w55a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">difference<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ed y4597 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ee y4597 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ef y4597 w541 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f0 y4597 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f1 y4597 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f2 y4597 w541 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4598 w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f3 y4598 w55b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">20.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f4 y4598 w55c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x468 y4598 w29c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f5 y4598 w55d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f6 y4598 w55e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f7 y4598 w55f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">6<span class=\"_ _0\"></span>3.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4599 ff1 fs3 fc5 sc0 ls1 ws0\">Depreciation<span class=\"_ _4d\"> </span><span class=\"ff4\"> <span class=\"_ _ff\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _269\"> </span> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y459a wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f8 y459a w450 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f9 y459a w1da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fa y459a w560 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fb y459a w452 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">3.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fc y459a w1df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fd y459a w2d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y459b w561 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charged in ye<span class=\"_ _4\"></span>ar<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fe y459b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ff y459b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x900 y459b w26b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x901 y459b w562 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x902 y459b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x903 y459b w22b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">5.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y459c ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y459d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d1 y459d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d2 y459d w34b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d3 y459d w352 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d4 y459d w54d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d5 y459d w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y459e wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x904 y459e w7a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x905 y459e w2de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x906 y459e w563 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x907 y459e w563 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x908 y459e w564 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x909 y459e w565 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y459f w566 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Charged in year<span class=\"_ _311\"> </span></div></td><td class=\"c n x90a y459f w329 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x90b y459f w567 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x90c y459f w25d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x90d y459f w568 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x90e y459f w124 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x90f y459f w22a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">6.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y45a0 ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y45a1 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e8 y45a1 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e9 y45a1 w558 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ea y45a1 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8eb y45a1 w541 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ec y45a1 w559 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(3<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45a2 w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x910 y45a2 w569 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x911 y45a2 w56a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x912 y45a2 w56b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x913 y45a2 w3a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x914 y45a2 w5e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c8 y45a2 w56c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y45a3 ff1 fs3 fc5 sc0 ls1 ws0\">Net book value<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45a4 w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x915 y45a4 w187 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x916 y45a4 w214 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x917 y45a4 w2e2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x918 y45a4 w56d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x919 y45a4 w56e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x91a y45a4 w80 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">43.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x91b y426d w2eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x91c y426d w56f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x91d y426d w570 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x91e y426d w563 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x91f y426d w571 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x41e y426d w572 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4a8\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4a9\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h54 ff1 fs10 fc5 sc0 ls1 ws0 gs4aa\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h54 ff1 fs10 fc5 sc0 ls1 ws0 gs4ab\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4ac\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h54 ff1 fs10 fc5 sc0 ls1 ws0 gs4ad\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4ae\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>A<span class=\"_ _0\"></span>dditio<span class=\"_ _0\"></span>ns incl<span class=\"_ _0\"></span>ude pro<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ty lea<span class=\"_ _0\"></span>ses mo<span class=\"_ _0\"></span>difi<span class=\"_ _0\"></span>catio<span class=\"_ _0\"></span>ns of \u00a30.5<span class=\"_ _0\"></span>m (2022: \u00a30.5<span class=\"_ _0\"></span>m<span class=\"_ _4\"></span>) a<span class=\"_ _0\"></span>nd other l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es mod<span class=\"_ _0\"></span>ific<span class=\"_ _0\"></span>ations o<span class=\"_ _0\"></span>f \u00a31.5m </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4af\">(2022: ni<span class=\"_ _0\"></span>l) of righ<span class=\"_ _0\"></span>t of use as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4b0\">2. <span class=\"_ _38\"> </span>Dur<span class=\"_ _0\"></span>ing the y<span class=\"_ _0\"></span>ear the G<span class=\"_ _0\"></span>roup de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d fully d<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>ciate<span class=\"_ _0\"></span>d asse<span class=\"_ _0\"></span>ts.<span class=\"_ _311\"> </span></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws136 gs4d2\">32. Lease <span class=\"_ _0\"></span>liabilities<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w5d6 hc2\" id=\"_3dd05d03-76c2-4114-9a4b-ab318dbe2c03\"><tr><td></td><td class=\"t m0 x288 h2e y45d1 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y45d1 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y45d2 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x49d h2b y45d2 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3a8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a0 y43aa w2e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a1 y4264 w5d7 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">10.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w5d8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">New leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a2 y4416 w3a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a3 y4266 w2af ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5d9 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase repayments<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a4 y43ab w5da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a5 y4268 w15f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5db ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est accruals<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a6 y4273 w124 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a7 y426b w1df ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a8 y431e w5dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x9a9 y426d w5dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4d3\">During the year<span class=\"_ _1\"></span>, the Group incurred e<span class=\"_ _4\"></span>xpenses of \u00a30.<span class=\"_ _1\"></span>1m (2022: \u00a30<span class=\"_ _4\"></span>.3m) in relation to short-<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4d4\">term<span class=\"_ gs27\"> </span>leases<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-524": {
   "value": "3. <span class=\"_ _18\"> </span>Interest receivable and similar income<span class=\"_ _311\"> </span><table class=\"s w1af hb8\" id=\"_d42b4226-d570-4c7a-a1ae-4c03d1f14d22\"><tr><td></td><td class=\"t m0 x288 h2e y433b ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y433b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y433c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y433c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y433d ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y433e ff4 fs3 fc5 sc0 ls1 ws0\">On OSB mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46c y433f w1b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x46d y4340 w1b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls7a ws80\">591.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4341 ff4 fs3 fc5 sc0 ls1 ws0\">On CCFS mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4342 w1b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">431.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x46f y4343 w1b3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">411<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4344 w1b4 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x470 y4345 w1b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x471 y4344 w1b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4346 w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x472 y4347 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y4346 w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4348 w1b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On other liquid assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x474 y4349 w1ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">159<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x475 y4348 w1bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y434a w1bc hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS loan book at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x476 y434b w1bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x477 y434a w1be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(61.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y434c ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged assets<span class=\"_ _311\"> </span></td><td class=\"c n x478 y434d w1bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x479 y4311 w1c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>34<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y434e w1c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,313.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47b y4260 w1c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">960.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y434f ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4350 ff4 fs3 fc5 sc0 ls1 ws0\">Net income on derivative financial ins<span class=\"_ _4\"></span>truments  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w1c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 lending activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47c y4351 w1c4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">442<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x47d y4266 w1c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4352 ff1 fs3 fc5 sc0 ls1 ws0\">At FV<span class=\"_ _4\"></span>OCI:<span class=\"_ _24f\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47e y4321 w1c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y426b w1c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x480 y431e w1c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x481 y426d w1c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated r<span class=\"_ _0\"></span>eset g<span class=\"_ _0\"></span>ains of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a3<span class=\"_ _0\"></span>18.5<span class=\"_ _0\"></span>m gains).<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated re<span class=\"_ _0\"></span>set lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s of \u00a318<span class=\"_ _0\"></span>2.5m (2022: \u00a3<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>1.7m los<span class=\"_ _0\"></span>ses).<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates to h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>ed ass<span class=\"_ _0\"></span>ets wh<span class=\"_ _0\"></span>ere the h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>s were te<span class=\"_ _0\"></span>rminat<span class=\"_ _0\"></span>ed bef<span class=\"_ _0\"></span>ore matur<span class=\"_ _0\"></span>ity and we<span class=\"_ _0\"></span>re ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve at the point of termination.<span class=\"_ _311\"> </span>6. <span class=\"_ _18\"> </span>Other operating income<span class=\"_ _311\"> </span><table class=\"s w50 hba\" id=\"_97d0568e-5ab2-45de-829b-2a6cd0787734\"><tr><td></td><td class=\"t m0 x288 h2e y4373 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4373 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4374 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y4374 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w1ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est receive<span class=\"_ _4\"></span>d on mor<span class=\"_ _0\"></span>tgages held at FVTPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x49e y4269 w1ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x49f y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fees and commissions receivable<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y426a w1f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y426b w1f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a2 y426c w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a3 y426d w1f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">6.6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-517": {
   "value": "3. <span class=\"_ _18\"> </span>Interest receivable and similar income<span class=\"_ _311\"> </span><table class=\"s w1af hb8\" id=\"_d42b4226-d570-4c7a-a1ae-4c03d1f14d22\"><tr><td></td><td class=\"t m0 x288 h2e y433b ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y433b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y433c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y433c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y433d ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y433e ff4 fs3 fc5 sc0 ls1 ws0\">On OSB mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46c y433f w1b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x46d y4340 w1b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls7a ws80\">591.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4341 ff4 fs3 fc5 sc0 ls1 ws0\">On CCFS mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4342 w1b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">431.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x46f y4343 w1b3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">411<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4344 w1b4 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x470 y4345 w1b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x471 y4344 w1b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4346 w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x472 y4347 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y4346 w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4348 w1b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On other liquid assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x474 y4349 w1ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">159<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x475 y4348 w1bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y434a w1bc hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS loan book at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x476 y434b w1bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x477 y434a w1be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(61.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y434c ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged assets<span class=\"_ _311\"> </span></td><td class=\"c n x478 y434d w1bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x479 y4311 w1c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>34<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y434e w1c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,313.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47b y4260 w1c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">960.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y434f ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4350 ff4 fs3 fc5 sc0 ls1 ws0\">Net income on derivative financial ins<span class=\"_ _4\"></span>truments  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w1c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 lending activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47c y4351 w1c4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">442<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x47d y4266 w1c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4352 ff1 fs3 fc5 sc0 ls1 ws0\">At FV<span class=\"_ _4\"></span>OCI:<span class=\"_ _24f\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47e y4321 w1c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y426b w1c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x480 y431e w1c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x481 y426d w1c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated r<span class=\"_ _0\"></span>eset g<span class=\"_ _0\"></span>ains of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a3<span class=\"_ _0\"></span>18.5<span class=\"_ _0\"></span>m gains).<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated re<span class=\"_ _0\"></span>set lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s of \u00a318<span class=\"_ _0\"></span>2.5m (2022: \u00a3<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>1.7m los<span class=\"_ _0\"></span>ses).<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates to h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>ed ass<span class=\"_ _0\"></span>ets wh<span class=\"_ _0\"></span>ere the h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>s were te<span class=\"_ _0\"></span>rminat<span class=\"_ _0\"></span>ed bef<span class=\"_ _0\"></span>ore matur<span class=\"_ _0\"></span>ity and we<span class=\"_ _0\"></span>re ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve at the point of termination.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-502": {
   "value": "3. <span class=\"_ _18\"> </span>Interest receivable and similar income<span class=\"_ _311\"> </span><table class=\"s w1af hb8\" id=\"_d42b4226-d570-4c7a-a1ae-4c03d1f14d22\"><tr><td></td><td class=\"t m0 x288 h2e y433b ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y433b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y433c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y433c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y433d ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y433e ff4 fs3 fc5 sc0 ls1 ws0\">On OSB mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46c y433f w1b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x46d y4340 w1b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls7a ws80\">591.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4341 ff4 fs3 fc5 sc0 ls1 ws0\">On CCFS mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4342 w1b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">431.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x46f y4343 w1b3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">411<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4344 w1b4 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x470 y4345 w1b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x471 y4344 w1b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4346 w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x472 y4347 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y4346 w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4348 w1b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On other liquid assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x474 y4349 w1ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">159<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x475 y4348 w1bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y434a w1bc hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS loan book at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x476 y434b w1bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x477 y434a w1be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(61.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y434c ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged assets<span class=\"_ _311\"> </span></td><td class=\"c n x478 y434d w1bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x479 y4311 w1c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>34<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y434e w1c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,313.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47b y4260 w1c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">960.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y434f ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4350 ff4 fs3 fc5 sc0 ls1 ws0\">Net income on derivative financial ins<span class=\"_ _4\"></span>truments  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w1c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 lending activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47c y4351 w1c4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">442<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x47d y4266 w1c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4352 ff1 fs3 fc5 sc0 ls1 ws0\">At FV<span class=\"_ _4\"></span>OCI:<span class=\"_ _24f\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47e y4321 w1c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y426b w1c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x480 y431e w1c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x481 y426d w1c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated r<span class=\"_ _0\"></span>eset g<span class=\"_ _0\"></span>ains of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a3<span class=\"_ _0\"></span>18.5<span class=\"_ _0\"></span>m gains).<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated re<span class=\"_ _0\"></span>set lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s of \u00a318<span class=\"_ _0\"></span>2.5m (2022: \u00a3<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>1.7m los<span class=\"_ _0\"></span>ses).<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates to h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>ed ass<span class=\"_ _0\"></span>ets wh<span class=\"_ _0\"></span>ere the h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>s were te<span class=\"_ _0\"></span>rminat<span class=\"_ _0\"></span>ed bef<span class=\"_ _0\"></span>ore matur<span class=\"_ _0\"></span>ity and we<span class=\"_ _0\"></span>re ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve at the point of termination.<span class=\"_ _311\"> </span>4<span class=\"_ _4\"></span>. <span class=\"_ _26\"> </span>Interest payable and similar char<span class=\"_ _4\"></span>ges<span class=\"_ _311\"> </span><table class=\"s w1ca hb9\" id=\"_956ed6a9-1b1d-4cbc-9be6-91fc0a93fc07\"><tr><td></td><td class=\"t m0 x296 h2e y4353 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4353 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4354 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4354 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4355 ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4356 w1cb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On retail deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x482 y4357 w1cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x483 y4356 w1cd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4358 w1ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On BoE borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x484 y4359 w1cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">196.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x485 y4358 w1d0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">64.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435a w1d1 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On wholesale borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x486 y435b w1d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x487 y435a w1d3 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435c w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x488 y435d w1d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x489 y435c w143 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435e w1d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48a y435f w1d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x48b y435e w1d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4360 w1d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x48c y4361 w1da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x2da y4360 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4362 w1db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x48d y4363 w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x48e y4362 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4364 w1dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On lease liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48f y4365 w1de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x490 y4364 w1df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4366 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on CCFS cus<span class=\"_ _4\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x254 y4367 w1e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">deposits at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x491 y4368 w1e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x492 y4367 w1e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4369 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x493 y436a w1e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x494 y436b w1e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x495 y436c w1e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,036.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x496 y436d w1e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">334.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y436e ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y436f ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 w1e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 savings activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x497 y4371 w1e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">71.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x498 y4370 w1e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4372 ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 subordinate<span class=\"_ _4\"></span>d liabilities and senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x499 y426a w1eb hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x49a y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x49b y426c w1ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _1\"></span>10<span class=\"_ _0\"></span>8.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x49c y426d w1ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>ed liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s where t<span class=\"_ _0\"></span>he hed<span class=\"_ _0\"></span>ges we<span class=\"_ _0\"></span>re termin<span class=\"_ _0\"></span>ated b<span class=\"_ _0\"></span>efore m<span class=\"_ _0\"></span>aturity an<span class=\"_ _0\"></span>d were ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>ctive at the point of termination.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-476": {
   "value": "3. <span class=\"_ _18\"> </span>Interest receivable and similar income<span class=\"_ _311\"> </span><table class=\"s w1af hb8\" id=\"_d42b4226-d570-4c7a-a1ae-4c03d1f14d22\"><tr><td></td><td class=\"t m0 x288 h2e y433b ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y433b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y433c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y433c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y433d ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y433e ff4 fs3 fc5 sc0 ls1 ws0\">On OSB mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46c y433f w1b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x46d y4340 w1b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls7a ws80\">591.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4341 ff4 fs3 fc5 sc0 ls1 ws0\">On CCFS mortgages<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4342 w1b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">431.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x46f y4343 w1b3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">411<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4344 w1b4 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On finance leases<span class=\"_ _311\"> </span></div></td><td class=\"c n x470 y4345 w1b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x471 y4344 w1b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4346 w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x472 y4347 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y4346 w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4348 w1b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On other liquid assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x474 y4349 w1ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">159<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x475 y4348 w1bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y434a w1bc hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS loan book at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x476 y434b w1bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x477 y434a w1be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(61.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y434c ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged assets<span class=\"_ _311\"> </span></td><td class=\"c n x478 y434d w1bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x479 y4311 w1c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>34<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x47a y434e w1c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,313.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47b y4260 w1c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">960.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y434f ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4350 ff4 fs3 fc5 sc0 ls1 ws0\">Net income on derivative financial ins<span class=\"_ _4\"></span>truments  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w1c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 lending activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47c y4351 w1c4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">442<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x47d y4266 w1c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4352 ff1 fs3 fc5 sc0 ls1 ws0\">At FV<span class=\"_ _4\"></span>OCI:<span class=\"_ _24f\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x47e y4321 w1c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x47f y426b w1c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x480 y431e w1c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>76<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x481 y426d w1c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1,<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated r<span class=\"_ _0\"></span>eset g<span class=\"_ _0\"></span>ains of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a3<span class=\"_ _0\"></span>18.5<span class=\"_ _0\"></span>m gains).<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s EIR be<span class=\"_ _0\"></span>havi<span class=\"_ _0\"></span>oural re<span class=\"_ _0\"></span>lated re<span class=\"_ _0\"></span>set lo<span class=\"_ _0\"></span>sse<span class=\"_ _0\"></span>s of \u00a318<span class=\"_ _0\"></span>2.5m (2022: \u00a3<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>1.7m los<span class=\"_ _0\"></span>ses).<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates to h<span class=\"_ _0\"></span>edg<span class=\"_ _0\"></span>ed ass<span class=\"_ _0\"></span>ets wh<span class=\"_ _0\"></span>ere the h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>s were te<span class=\"_ _0\"></span>rminat<span class=\"_ _0\"></span>ed bef<span class=\"_ _0\"></span>ore matur<span class=\"_ _0\"></span>ity and we<span class=\"_ _0\"></span>re ef<span class=\"_ _0\"></span>fecti<span class=\"_ _0\"></span>ve at the point of termination.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-479": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs31f\">4<span class=\"_ _4\"></span>. <span class=\"_ _26\"> </span>Interest payable and similar char<span class=\"_ _4\"></span>ges<span class=\"_ _311\"> </span></div><div class=\"gs320\"><table class=\"s w1ca hb9\" id=\"_956ed6a9-1b1d-4cbc-9be6-91fc0a93fc07\"><tr><td></td><td class=\"t m0 x296 h2e y4353 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4353 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4354 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4354 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4355 ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4356 w1cb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On retail deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x482 y4357 w1cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x483 y4356 w1cd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4358 w1ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On BoE borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x484 y4359 w1cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">196.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x485 y4358 w1d0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">64.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435a w1d1 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On wholesale borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x486 y435b w1d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x487 y435a w1d3 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435c w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x488 y435d w1d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x489 y435c w143 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435e w1d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48a y435f w1d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x48b y435e w1d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4360 w1d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x48c y4361 w1da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x2da y4360 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4362 w1db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x48d y4363 w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x48e y4362 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4364 w1dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On lease liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48f y4365 w1de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x490 y4364 w1df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4366 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on CCFS cus<span class=\"_ _4\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x254 y4367 w1e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">deposits at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x491 y4368 w1e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x492 y4367 w1e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4369 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x493 y436a w1e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x494 y436b w1e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x495 y436c w1e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,036.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x496 y436d w1e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">334.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y436e ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y436f ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 w1e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 savings activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x497 y4371 w1e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">71.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x498 y4370 w1e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4372 ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 subordinate<span class=\"_ _4\"></span>d liabilities and senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x499 y426a w1eb hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x49a y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x49b y426c w1ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _1\"></span>10<span class=\"_ _0\"></span>8.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x49c y426d w1ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs321\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs322\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>ed liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s where t<span class=\"_ _0\"></span>he hed<span class=\"_ _0\"></span>ges we<span class=\"_ _0\"></span>re termin<span class=\"_ _0\"></span>ated b<span class=\"_ _0\"></span>efore m<span class=\"_ _0\"></span>aturity an<span class=\"_ _0\"></span>d were ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>ctive at </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls57 ws5b gs323\">the point of termination.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-518": {
   "value": "4<span class=\"_ _4\"></span>. <span class=\"_ _26\"> </span>Interest payable and similar char<span class=\"_ _4\"></span>ges<span class=\"_ _311\"> </span><table class=\"s w1ca hb9\" id=\"_956ed6a9-1b1d-4cbc-9be6-91fc0a93fc07\"><tr><td></td><td class=\"t m0 x296 h2e y4353 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4353 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4354 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4354 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4355 ff1 fs3 fc5 sc0 ls1 ws0\">At amortised cost:<span class=\"_ _de\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4356 w1cb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On retail deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x482 y4357 w1cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x483 y4356 w1cd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4358 w1ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">On BoE borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x484 y4359 w1cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">196.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x485 y4358 w1d0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">64.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435a w1d1 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On wholesale borro<span class=\"_ _4\"></span>wings<span class=\"_ _311\"> </span></div></td><td class=\"c n x486 y435b w1d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x487 y435a w1d3 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435c w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x488 y435d w1d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x489 y435c w143 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y435e w1d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48a y435f w1d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x48b y435e w1d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4360 w1d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x48c y4361 w1da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x2da y4360 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4362 w1db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x48d y4363 w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x48e y4362 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4364 w1dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">On lease liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x48f y4365 w1de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x490 y4364 w1df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4366 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on CCFS cus<span class=\"_ _4\"></span>tomer </td><td></td><td></td></tr><tr><td class=\"c n x254 y4367 w1e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">deposits at Combination<span class=\"_ _311\"> </span></div></td><td class=\"c n x491 y4368 w1e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x492 y4367 w1e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4369 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of fair value adjus<span class=\"_ _4\"></span>tments on hedged liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x493 y436a w1e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x494 y436b w1e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x495 y436c w1e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,036.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x496 y436d w1e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">334.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y436e ff1 fs3 fc5 sc0 ls1 ws0\">At FVTPL:<span class=\"_ _24d\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y436f ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4370 w1e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 savings activities<span class=\"_ _311\"> </span></div></td><td class=\"c n x497 y4371 w1e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">71.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x498 y4370 w1e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4372 ff4 fs3 fc5 sc0 ls1 ws0\">Net expense on derivativ<span class=\"_ _4\"></span>e financial instrument<span class=\"_ _4\"></span>s  </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w1ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 subordinate<span class=\"_ _4\"></span>d liabilities and senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x499 y426a w1eb hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x49a y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x49b y426c w1ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _1\"></span>10<span class=\"_ _0\"></span>8.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x49c y426d w1ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>ed liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s where t<span class=\"_ _0\"></span>he hed<span class=\"_ _0\"></span>ges we<span class=\"_ _0\"></span>re termin<span class=\"_ _0\"></span>ated b<span class=\"_ _0\"></span>efore m<span class=\"_ _0\"></span>aturity an<span class=\"_ _0\"></span>d were ef<span class=\"_ _0\"></span>fe<span class=\"_ _0\"></span>ctive at the point of termination.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-427": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs325\">5. <span class=\"_ _18\"> </span>Fair value (losses)/<span class=\"_ _3\"></span>gains on financial instrumen<span class=\"_ _4\"></span>ts<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w1f5 hbb\" id=\"_d18332af-3389-4231-8067-6d418eebf8be\"><tr><td></td><td class=\"t m0 x288 h2e y4375 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y4375 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y4376 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x49d h2b y4376 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4377 w1f6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Fair value changes in hedged asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a5 y4378 w1f7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a6 y4377 w1f8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls6e ws74\">(6<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4379 w1f9 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Hedging of assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x2a6 y437a w1fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(59<span class=\"_ _0\"></span>0.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a7 y4379 w1fb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">621.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437b w1fc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Fair value changes in hedged liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a8 y437c w1fd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">(82<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a9 y437b w1fe ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">33<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437d w1ff ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Hedging of liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x4aa y437e w200 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">94.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ab y437d w201 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437f w202 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Ineffective portion of hedges<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ac y4380 w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ad y437f w204 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(8<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4381 w205 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net (losses)/<span class=\"_ _3\"></span>gains on unmatched sw<span class=\"_ _4\"></span>aps<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ae y4382 w206 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4af y4381 w207 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4383 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of inception adjustment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x478 y4384 w208 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(4<span class=\"_ _0\"></span>.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b0 y4385 w209 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4386 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of acquisition-related inception adjus<span class=\"_ _4\"></span>tments<span class=\"_ _311\"> </span></td><td class=\"c n x4b1 y4387 w20a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b2 y4313 w20b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4388 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of de-designated hedge relationships<span class=\"_ _311\"> </span></td><td class=\"c n x4b3 y4389 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b4 y4316 w20d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4318 w20e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value mo<span class=\"_ _4\"></span>vements on mortgages at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ac y438a w20f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b5 y4318 w210 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b w211 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value mo<span class=\"_ _4\"></span>vements on loans and adv<span class=\"_ _4\"></span>ances to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y431a w212 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b6 y431b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w213 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debit and credit valuation adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b7 y431c w214 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b8 y431d w215 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4b9 y431e w216 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>4.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ba y426d w217 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs326\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs327\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs328\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs329\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation of in<span class=\"_ _0\"></span>cept<span class=\"_ _0\"></span>ion adju<span class=\"_ _0\"></span>stme<span class=\"_ _0\"></span>nt relat<span class=\"_ _0\"></span>es to the am<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n of the he<span class=\"_ _0\"></span>dging a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>rising w<span class=\"_ _0\"></span>hen he<span class=\"_ _0\"></span>dge </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs32a\">accounting<span class=\"_ _4\"></span> commence<span class=\"_ _0\"></span>s<span class=\"_ _4\"></span>, primarily<span class=\"_ _4\"></span> on derivative instr<span class=\"_ _4\"></span>uments previously t<span class=\"_ _4\"></span>aken out<span class=\"_ _4\"></span> against the mortgage<span class=\"_ _4\"></span> pipeline and </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs32b\">on derivativ<span class=\"_ _4\"></span>e instruments pr<span class=\"_ _4\"></span>eviously tak<span class=\"_ _4\"></span>en out against<span class=\"_ _4\"></span> new retail<span class=\"_ _4\"></span> deposits.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs32c\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>Re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>e acco<span class=\"_ _0\"></span>unting a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s and liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d on the C<span class=\"_ _0\"></span>ombin<span class=\"_ _0\"></span>ation. T<span class=\"_ _0\"></span>he inc<span class=\"_ _0\"></span>eptio<span class=\"_ _0\"></span>n adjust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>re </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs32d\">be<span class=\"_ _0\"></span>ing amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over t<span class=\"_ _0\"></span>he life of t<span class=\"_ _0\"></span>he deri<span class=\"_ _0\"></span>vativ<span class=\"_ _0\"></span>e instr<span class=\"_ _0\"></span>ument<span class=\"_ _0\"></span>s acquir<span class=\"_ _0\"></span>ed on Co<span class=\"_ _0\"></span>mbina<span class=\"_ _0\"></span>tion sub<span class=\"_ _0\"></span>sequ<span class=\"_ _0\"></span>ently d<span class=\"_ _0\"></span>esign<span class=\"_ _0\"></span>ated in </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls57 ws5b gs32e\">hedging rel<span class=\"_ _0\"></span>ationships.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs32f\">3. <span class=\"_ _38\"> </span>Re<span class=\"_ _0\"></span>lates to t<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tisa<span class=\"_ _0\"></span>tion of h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>d items w<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>edge a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting ha<span class=\"_ _0\"></span>s been d<span class=\"_ _0\"></span>isco<span class=\"_ _0\"></span>ntinue<span class=\"_ _0\"></span>d due to ine<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s.<span class=\"_ _311\"> </span></div>45. <span class=\"_ _3\"></span>Financial instruments and fair values<span class=\"_ _311\"> </span>i. <span class=\"_ _27\"> </span>Fin<span class=\"_ _0\"></span>ancial asset<span class=\"_ _0\"></span>s and financi<span class=\"_ _0\"></span>al liabilities<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing table sets out the classification of financial ins<span class=\"_ _4\"></span>truments in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position:<span class=\"_ _311\"> </span><table class=\"s w956 h109\" id=\"_3dc2084d-b96c-4058-8c50-344d95f7904e\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2e y480a ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2e y480b ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xf96 h2e y480c ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x9b5 h2e y480d ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xae4 h2e y480e ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x71d h2e y480f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2e y4810 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2e y4811 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xf97 h2e y4811 ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 x2f8 h2e y4812 ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x837 h2e y4813 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td></tr><tr><td></td><td class=\"t m0 xd44 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\"> <span class=\"_ _4b\"> </span>Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d7 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xf99 h2e y4816 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y4817 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4818 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff1\"> <span class=\"_ _67\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4819 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf9a y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9b y481a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9c y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9d y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e1 y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y481b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y481c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y481c w61 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9f y481d w19b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa0 y481d w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa1 y481d w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa2 y481d w957 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa3 y481d w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2,<span class=\"_ _0\"></span>813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y481e w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y481e w3f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa5 y481f w567 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa6 y481f w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa7 y481f w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa8 y481f w958 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa9 y481f w959 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4820 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4821 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y4821 w95a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n xfab y4822 w187 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfac y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfad y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y4822 w3c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">25,<span class=\"_ _0\"></span>751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfae y4822 w95b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4823 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y4823 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb0 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb1 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb2 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb3 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb4 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4825 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y426b w75 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb6 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb7 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y426a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb9 y426a w95c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a2 y426a w95d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xfba y426c w95e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">24.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbb y426c w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbc y426c w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbd y426c w95f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbe y426c w960 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">29<span class=\"_ _1\"></span>,743.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>Note<span class=\"_ _311\"> </span><table class=\"s w961 h10a\" id=\"_de427da3-50e4-4e70-8768-455ca183e472\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x429 h2e y4826 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9d4 h2e y4827 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xabd h2e y4828 ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x964 h2e y4829 ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xab7 h2e y482a ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x42b h2e y482b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xfbf h2e y482c ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc0 h2e y482d ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc1 h2e y482d ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y482e ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x537 h2e y482f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xc71 h2e y4830 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4832 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4833 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4834 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span></span> <span class=\"_ _ff\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4835 w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc4 y4835 w8e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc5 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc6 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc7 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc8 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc9 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y437f w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y437f w8a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcb y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcc y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcd y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfce y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcf y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4837 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd0 y4837 w962 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd1 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd2 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd3 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd4 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd5 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4396 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4396 w9a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd7 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd8 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd9 y4397 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfda y4397 w9b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdb y4397 w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdc y42e5 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdd y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfde y4398 w963 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdf y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe0 y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe1 y4398 w9e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4839 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfe2 y4264 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe3 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe4 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe5 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe6 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe7 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe8 y4266 w966 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">36<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe9 y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfea y4351 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfeb y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfec y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfed y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfee y4268 w967 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n xfef y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff0 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff1 y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff2 y4334 w619 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xff3 y4334 w6dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xff4 y426b w968 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n xff5 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff6 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff7 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff8 y4321 w61a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xff9 y4321 wb6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffb y431e w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xffc y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffd y431e w969 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xffe y431e w96a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span><table class=\"s w96b h10b\" id=\"_92d6a322-030a-4447-8bbb-3f13d30f039a\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2b y483a ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2b y483b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xe97 h2b y483c ff2 fs16 fc5 sc0 ls1 ws0\">Designated </td><td class=\"t m0 xcd0 h2b y483d ff2 fs16 fc5 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xfff h2b y483e ff2 fs16 fc5 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x837 h2b y483f ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2b y4840 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y4842 ff2 fs16 fc5 sc0 lsb0 ws45\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 xe98 h2b y4843 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xcce h2b y4844 ff2 fs16 fc5 sc0 ls111 ws11d\">Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2b y4844 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4846 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4847 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4848 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4849 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1000 y4849 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1001 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1002 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1003 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1004 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484a ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484b w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y484b w61 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y484b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1008 y484b w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1009 y484b w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484c w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y484c w3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n x100a y484c w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x100b y484c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x100c y484c w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x100d y484c w96d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x100e y484c w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484d ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484e w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y484e w95a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n x100f y484e w96e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1010 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1011 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1012 y484e w3c4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1013 y484e w96f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484f w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y484f w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1014 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1015 y484f w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1016 y484f w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1017 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1018 y484f w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4850 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y4851 w75 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n x1019 y4851 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101a y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101b y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101c y4851 w2aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x101d y4851 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x101e y4852 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x101f y4852 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1020 y4852 w3a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1021 y4852 w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _33\"> </span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1022 y4852 w971 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28,28<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4853 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1023 y4854 w8e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n x1024 y4854 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1025 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1026 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1027 y4854 w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1028 y4854 w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y4855 w973 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y4855 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1029 y4855 w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y4855 w974 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x102b y4856 w96 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n x102c y4856 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102d y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102e y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102f y4856 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1030 y4856 w8fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4857 w9a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n x1031 y4857 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1032 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1033 y4857 w976 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1034 y4857 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4858 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1035 y4858 w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1036 y4858 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1037 y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1038 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1039 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103a y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4859 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y485a w2e1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n x103b y485a w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103c y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103d y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103e y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x103f y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1040 y44f6 wb2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n x1041 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1042 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1043 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1044 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1045 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1046 y44f7 wb5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n x1047 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1048 y44f7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1049 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104a y44f7 wb7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x104b y44f7 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104c y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x104d y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104e y426d w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x104f y426d w978 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>The Group has no non-derivativ<span class=\"_ _4\"></span>e financial assets or financial liabilities classified as held for<span class=\"_ gs27\"> </span>tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span>ii. <span class=\"_ _11\"> </span>Fair va<span class=\"_ _0\"></span>lues<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables summarise the carrying value and estimat<span class=\"_ _4\"></span>ed fair value of financial instrumen<span class=\"_ _4\"></span>ts not measured at fair v<span class=\"_ _4\"></span>alue in the Consolidated Statement o<span class=\"_ _4\"></span>f Financial Position: <table class=\"s w979 h10c\" id=\"_504ba402-00be-4bc6-9818-94addfbf09f7\"><tr><td></td><td></td><td class=\"c n x1050 y485b w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1051 y485b w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xab9 h2e y485c ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x66c h2e y485d ff1 fs16 fc6 sc0 ls1 ws0\">Estimated  </td><td class=\"t m0 xbd7 h2b y485e ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x427 h2b y485f ff2 fs16 fc5 sc0 ls1 ws0\">Estimated  </td></tr><tr><td></td><td class=\"t m0 x53b h2e y4860 ff1 fs16 fc6 sc0 ls1 ws0\"> value<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y4861 ff1 fs16 fc6 sc0 ls1 ws0\">fair value</td><td class=\"t m0 xa31 h2b y4862 ff2 fs16 fc5 sc0 ls1 ws0\"> value<span class=\"_ _311\"> </span></td><td class=\"t m0 x535 h2b y4863 ff2 fs16 fc5 sc0 ls1 ws0\">fair value<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x670 h2e y4864 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4865 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2b y4866 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4867 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4868 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2db\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _146\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4869 w8b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x1052 y486a w97a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1053 y486a w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1054 y4869 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x785 y4869 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y486b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1055 y486c w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1056 y486c w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1057 y484c w63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1058 y484c w5a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y486d w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1059 y486e w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x105a y486e w97c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x105b y486d w96d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x3ee y486d w97d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">260.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y486f ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484f w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x105c y4870 w97e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">25,7<span class=\"_ _0\"></span>51.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x105d y4870 w97f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">24,900<span class=\"_ _4\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x105e y484f w4b1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">23,598.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x105f y484f w980 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">22,7<span class=\"_ _0\"></span>46<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4871 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x1060 y4872 w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1061 y4872 w982 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1062 y4873 w577 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1063 y4873 w577 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1064 y4874 w983 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">28,891<span class=\"_ _4\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1065 y4874 w984 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1066 y4852 w985 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"> </span>7,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1067 y4852 w7bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">26<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4875 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _6\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1068 y4876 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1069 y4876 w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">22,125.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x106a y4854 w987 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x106b y4854 w988 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls2e wsa1\">19<span class=\"_ _1\"></span>,693.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x106c y4877 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x106d y4877 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x106e y4855 w5bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdaa y4855 w989 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x106f y4878 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1070 y4878 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1071 y4856 w975 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1072 y4856 w8fe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x1073 y4879 w98a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1074 y4879 w9b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1075 y4857 w98b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1076 y4857 w976 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">26<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y487a ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1077 y487b w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1078 y487b w443 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1079 y487c w98d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x107a y487c w98d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4504 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x107b y4505 waf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x107c y4505 w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x107d y4504 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x107e y4504 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x107f y4506 w5eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1080 y4506 w98e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">24<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1081 y44f6 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1082 y44f6 w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1083 y4508 wb6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1084 y4508 w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">14<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1085 y4507 w5f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1086 y4507 w98f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1087 y426c w990 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1088 y426c w991 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">27<span class=\"_ _1\"></span>,<span class=\"_ _4\"></span>19<span class=\"_ _0\"></span>0.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1089 y426d w992 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _0\"></span>281<span class=\"_ _4\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x108a y426d w993 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>The fair values in these tables ar<span class=\"_ _4\"></span>e estimated using the v<span class=\"_ _4\"></span>aluation techniques below<span class=\"_ _4\"></span>. The estimate<span class=\"_ _4\"></span>d<span class=\"_ _0\"></span> fair value is s<span class=\"_ _4\"></span>tated as at 31 December and may be significantly differen<span class=\"_ _4\"></span>t from the amounts which will actually be paid on the maturity or settlement dates o<span class=\"_ _4\"></span>f each financial instrument.<div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6a4\">Cash in h<span class=\"_ _0\"></span>and<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6a5\">This represen<span class=\"_ _4\"></span>ts physical cash across the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s branch network wher<span class=\"_ _4\"></span>e fair value is considered </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6a6\">to be equal to carrying v<span class=\"_ _4\"></span>alue. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6a7\">Loans and a<span class=\"_ _0\"></span>dvances to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6a8\">This mainly represen<span class=\"_ _4\"></span>ts the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s working capital curr<span class=\"_ _4\"></span>ent accounts and call account<span class=\"_ _4\"></span>s with </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6a9\">centr<span class=\"_ _4\"></span>al government<span class=\"_ _4\"></span>s and other banks with an original maturity of less than thr<span class=\"_ _4\"></span>ee months. Fair </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6aa\">value is not considered t<span class=\"_ _4\"></span>o be materially dif<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>erent to carrying value<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsa1 wsa8 gs6ab\">Investm<span class=\"_ _0\"></span>ent secu<span class=\"_ _0\"></span>rities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ac\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _1\"></span>\u2019 fair values are pr<span class=\"_ _4\"></span>ovided by a third party and are based on the mark<span class=\"_ _1\"></span>et </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ad\">values of similar financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The fair value of inv<span class=\"_ _4\"></span>estment securities held at FVTPL is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ae\">measured using a discoun<span class=\"_ _4\"></span>ted cash flow model.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6af\">Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b0\">This mainly represen<span class=\"_ _4\"></span>ts secured mortgage lending to cus<span class=\"_ _4\"></span>tomers. The f<span class=\"_ _4\"></span>air value of fixed r<span class=\"_ _4\"></span>ate </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b1\">mortgages has been estimated by discoun<span class=\"_ _4\"></span>ting future cash flows at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b2\">of int<span class=\"_ _4\"></span>erest. Future cash flo<span class=\"_ _4\"></span>ws include the impact of ECL. The int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate on variable rate </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b3\">mortgages is considered to be equal to curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et product r<span class=\"_ _4\"></span>ates and as such fair value is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b4\">estimat<span class=\"_ _4\"></span>ed to be equal to carrying value<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsa3 wsad gs6b5\">Other assets<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b6\">Other assets disclosed in the table abo<span class=\"_ _4\"></span>ve ex<span class=\"_ _4\"></span>clude prepayments and the fair v<span class=\"_ _4\"></span>alue is considered </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b7\">to be equal to carrying v<span class=\"_ _4\"></span>alue. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6b8\">Amount<span class=\"_ _0\"></span>s owed to retail dep<span class=\"_ _0\"></span>ositors<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6b9\">The fair value o<span class=\"_ _4\"></span>f fixed rate r<span class=\"_ _4\"></span>etail deposits has been estimat<span class=\"_ _4\"></span>ed by discounting future cash flo<span class=\"_ _4\"></span>ws </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ba\">at current mark<span class=\"_ _1\"></span>et rates of in<span class=\"_ _4\"></span>terest. R<span class=\"_ _4\"></span>etail deposits at variable r<span class=\"_ _4\"></span>ates and deposits payable on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6bb\">demand are considered t<span class=\"_ _4\"></span>o be at current mark<span class=\"_ _4\"></span>et rates and as such f<span class=\"_ _4\"></span>air value is estimate<span class=\"_ _4\"></span>d to be </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6bc\">equal to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6bd\">Amount<span class=\"_ _0\"></span>s owed to credit ins<span class=\"_ _0\"></span>titutions<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6be\">This mainly represen<span class=\"_ _4\"></span>ts amounts dr<span class=\"_ _4\"></span>awn down under the BoE TFSME, IL<span class=\"_ _3\"></span>TR and commercial repos. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6bf\">Fair value is considere<span class=\"_ _4\"></span>d to be equal to carrying value<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6c0\">Amount<span class=\"_ _0\"></span>s owed to other cus<span class=\"_ _0\"></span>tomers<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c1\">This represen<span class=\"_ _4\"></span>ts saving products to corpor<span class=\"_ _4\"></span>ations and local authorities. The fair v<span class=\"_ _4\"></span>alue of fixed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c2\">rate deposit<span class=\"_ _4\"></span>s is estimated by discounting futur<span class=\"_ _4\"></span>e cash flows at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates of in<span class=\"_ _4\"></span>terest. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c3\">Deposits at variable r<span class=\"_ _4\"></span>ates are considered to be at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates and the fair v<span class=\"_ _4\"></span>alue is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c4\">estimat<span class=\"_ _4\"></span>ed to be equal to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 ls1 ws0 gs6c5\">Deb<span class=\"_ _0\"></span>t securities in is<span class=\"_ _0\"></span>sue<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c6\">While the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s debt securities in issue are lis<span class=\"_ _4\"></span>ted, the quoted prices for an individual note </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c7\">may not be indicative o<span class=\"_ _4\"></span>f the fair value of the issue as a whole<span class=\"_ _4\"></span>, due to the specialised nature </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c8\">of the mark<span class=\"_ _1\"></span>et in such instruments and the limite<span class=\"_ _4\"></span>d number of inves<span class=\"_ _4\"></span>tors participating in it. Fair </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6c9\">value is not considered t<span class=\"_ _4\"></span>o be materially dif<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>erent to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsf8 wsff gs6ca\">Othe<span class=\"_ _0\"></span>r liabilities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6cb\">Other liabilities disclosed in the table abo<span class=\"_ _4\"></span>ve exclude de<span class=\"_ _4\"></span>ferred income and the fair value is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6cc\">considered to be equal t<span class=\"_ _4\"></span>o carrying value.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc3 sc0 lsa4 wsae gs6cd\">Senior n<span class=\"_ _0\"></span>otes, Subordinate<span class=\"_ _0\"></span>d liabilities and PSBs<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ce\">The senior notes<span class=\"_ _4\"></span>, subordinated liabilities and PSBs are lis<span class=\"_ _4\"></span>ted on the L<span class=\"_ _4\"></span>ondon Stock Exchange </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6cf\">with fair value being the quot<span class=\"_ _4\"></span>ed market price at the r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting dat<span class=\"_ _4\"></span>e. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs6d0\">iii. <span class=\"_ _18\"> </span>Fair value cl<span class=\"_ _0\"></span>assifi<span class=\"_ _0\"></span>cation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6d1\">The Group classifies fair v<span class=\"_ _4\"></span>alue measurements using a fair v<span class=\"_ _4\"></span>alue hierarchy that re<span class=\"_ _4\"></span>flects the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6d2\">significance of the inputs used in making the me<span class=\"_ _4\"></span>asurements<span class=\"_ _4\"></span>. The following tables pr<span class=\"_ _4\"></span>ovide an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6d3\">analysis of financial assets and financial liabilities measur<span class=\"_ _4\"></span>ed at fair value in the Consolidated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6d4\">Statemen<span class=\"_ _4\"></span>t of Financial Position grouped int<span class=\"_ _4\"></span>o Lev<span class=\"_ _4\"></span>els 1 to 3 based on the degree to which the f<span class=\"_ _4\"></span>air </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6d5\">value is observable:<span class=\"_ _311\"> </span></div><div class=\"gs6d6\"><table class=\"s w994 h10d\" id=\"_62196839-4d78-4ca7-a251-7ece7393d963\"><tr><td></td><td class=\"t m0 x66f h2e y487d ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x108b h2e y487e ff1 fs16 fc6 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x108c h2e y487f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 1 </td><td class=\"t m0 x85a h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 2 </td><td class=\"t m0 xa34 h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 3 </td><td class=\"t m0 x9d4 h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x28f h2e y4881 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b2 h2e y4882 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4884 ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _bb\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4885 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4489 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x108d y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x108e y448a w996 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x108f y448a w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1090 y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1091 y448a w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1092 y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4260 w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1093 y4262 w997 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1094 y4262 w998 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">300.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1095 y4262 w999 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1096 y4262 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1097 y4262 w329 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1098 y4262 w663 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4886 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1099 y4264 w99a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x109a y4265 w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x109b y4265 w99b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x109c y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x109d y4265 w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x109e y4265 w99c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x109f y4265 w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w4d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a0 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a1 y440b w4d7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a2 y440b w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a3 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a4 y440b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a5 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10a6 y4269 w99d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">851<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a7 y4269 w99e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _2\"> </span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a8 y4269 w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a9 y4269 w99f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">541<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10aa y4269 w9a0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ab y4269 w9a1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">8<span class=\"_ _0\"></span>51.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4887 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _209\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ac y426c w873 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ad y426c w9a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8,<span class=\"_ _4\"></span>913.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ae y426c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10af y426c w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x56e y426c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b0 y426c w9a3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs6d8\"><table class=\"s w9a4 h10e\" id=\"_27546f55-44b5-4b00-a2c0-00ed7ebe88ce\"><tr><td></td><td class=\"t m0 x691 h2b y4888 ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x10b1 h2b y4889 ff2 fs16 fc5 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87f h2b y488a ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d3 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 1 </td><td class=\"t m0 xf97 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 2 </td><td class=\"t m0 x9ae h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 3 </td><td class=\"t m0 x297 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x278 h2b y488c ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2b y488d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y488f ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4260 w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b2 y4260 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>50.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b3 y4260 w9a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b4 y4260 w324 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1c y4260 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b5 y4260 w9a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x984 y4260 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>50.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4890 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4264 w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b6 y4264 w3c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b7 y4264 w6ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b8 y4264 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b9 y4264 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ba y4264 w9a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bb y4264 w3c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bc y4266 w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bd y4266 w9a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15,<span class=\"_ _0\"></span>662.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10be y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bf y4266 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c0 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c1 y4266 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10c2 y4268 w646 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,0<span class=\"_ _0\"></span>53<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c3 y4268 w9a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">15,<span class=\"_ _4\"></span>830.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c4 y4268 w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c5 y4268 w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c6 y4268 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c7 y4268 w9aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,0<span class=\"_ _0\"></span>53.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4891 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c8 y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c9 y426d w9ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ca y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cb y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cc y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cd y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 hc ff1 fs3 fc5 sc0 ls1 ws0 gs6d9\">Le<span class=\"_ _4\"></span>vel 1:<span class=\"ff4\"> Fair values that are base<span class=\"_ _4\"></span>d entirely on quoted mark<span class=\"_ _1\"></span>et prices (unadjusted) in an activ<span class=\"_ _4\"></span>ely </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6da\">traded mark<span class=\"_ _1\"></span>et for identical assets and liabilities that the Gr<span class=\"_ _4\"></span>oup has the ability to access. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6db\">V<span class=\"_ _4\"></span>aluation adjustmen<span class=\"_ _4\"></span>ts and block discounts are not applied to L<span class=\"_ _4\"></span>ev<span class=\"_ _4\"></span>el 1 instruments<span class=\"_ _4\"></span>. Since </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6dc\">valuations are based on r<span class=\"_ _4\"></span>eadily available observable mark<span class=\"_ _4\"></span>et prices, this mak<span class=\"_ _4\"></span>es them most </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6dd\">reliable<span class=\"_ _4\"></span>, reduces the need for management judgemen<span class=\"_ _4\"></span>t and estimation and also reduces the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6de\">uncertainty associated with determining f<span class=\"_ _4\"></span>air values.  </div><div class=\"t m0 hc ff1 fs3 fc5 sc0 ls1 ws0 gs6df\">Le<span class=\"_ _4\"></span>vel 2:<span class=\"ff4\"> Fair values that are base<span class=\"_ _4\"></span>d on one or more quoted prices in mark<span class=\"_ _4\"></span>ets that are not activ<span class=\"_ _4\"></span>e </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e0\">or for which all significant input<span class=\"_ _4\"></span>s are tak<span class=\"_ _4\"></span>en from directly or indirectly observable mark<span class=\"_ _1\"></span>et data. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e1\">These include valuation models used to c<span class=\"_ _4\"></span>alculate the present value o<span class=\"_ _4\"></span>f expected future cash </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e2\">flows and may be employe<span class=\"_ _4\"></span>d either when no active mark<span class=\"_ _4\"></span>et exis<span class=\"_ _4\"></span>ts or when there are no quoted </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e3\">prices available for similar ins<span class=\"_ _4\"></span>truments in active mark<span class=\"_ _1\"></span>ets. </div><div class=\"t m0 hc ff1 fs3 fc5 sc0 ls1 ws0 gs6e4\">Le<span class=\"_ _4\"></span>vel 3:<span class=\"ff4\"> Fair values for which any one or mor<span class=\"_ _4\"></span>e significant input is not based on observable </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e5\">mark<span class=\"_ _4\"></span>et data and the unobservable inputs have a significan<span class=\"_ _4\"></span>t ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect on the instrument<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s fair </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e6\">value<span class=\"_ _4\"></span>. Valuation mo<span class=\"_ _4\"></span>dels that employ significant unobservable inputs require a higher degr<span class=\"_ _4\"></span>ee of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e7\">management judgement and es<span class=\"_ _4\"></span>timation in determining the fair value<span class=\"_ _4\"></span>. Management judgement </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e8\">and estimation ar<span class=\"_ _4\"></span>e usually required for the selection o<span class=\"_ _4\"></span>f the appropriate valuation model to be </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6e9\">used, determination of e<span class=\"_ _4\"></span>xpected future cash flo<span class=\"_ _4\"></span>ws on the financial instrument<span class=\"_ _4\"></span>s being valued, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ea\">determination of the pr<span class=\"_ _4\"></span>obability of counterparty default and prepaymen<span class=\"_ _4\"></span>ts, determination o<span class=\"_ _4\"></span>f </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6eb\">expected v<span class=\"_ _4\"></span>olatilities and correlations and the selection of appropriat<span class=\"_ _4\"></span>e discount rates<span class=\"_ _4\"></span>.<span class=\"_ gs41e\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ec\">The follo<span class=\"_ _4\"></span>wing tables provide an analysis of financial asset<span class=\"_ _4\"></span>s and financial liabilities not </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ed\">measured at f<span class=\"_ _4\"></span>air value in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position grouped into L<span class=\"_ _4\"></span>ev<span class=\"_ _4\"></span>els </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs6ee\">1 to 3 based on the degr<span class=\"_ _4\"></span>ee to which the fair value is observable:</div><div class=\"gs6ef\"><table class=\"s w43e h10f\" id=\"_7a890d8f-03cf-4cc5-bcfd-e59c983d5245\"><tr><td></td><td class=\"t m0 x965 h2e y4892 ff1 fs16 fc6 sc0 ls1 ws0\"> Carrying </td><td class=\"t m0 x8c0 h2e y4893 ff1 fs16 fc6 sc0 ls1 ws0\">Principal </td><td></td><td></td><td class=\"t m0 x10ce h2e y4894 ff1 fs16 fc6 sc0 ls1 ws0\">Estimated fair value<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x10cf h2e y4895 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x10d0 h2e y4896 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x66c h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 1 </td><td class=\"t m0 xe36 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 2 </td><td class=\"t m0 x10d1 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 3 </td><td class=\"t m0 x9d4 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x28f h2e y4898 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fa h2e y4899 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fb h2e y489a ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x536 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y489c ff4 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _296\"> </span><span class=\"ff1\"> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y489d w8b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d2 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d3 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d4 y489e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d5 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d6 y489e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d7 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y489f ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48a0 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d8 y48a1 w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d9 y48a1 w9ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">2<span class=\"_ _0\"></span>,785<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10da y48a1 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9b y48a1 w9ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10db y48a1 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10dc y48a1 w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48a2 w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10dd y48a3 w958 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10de y48a3 w9ae ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">323<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x10df y48a3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e0 y48a3 w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e1 y48a3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e2 y48a3 w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48a4 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48a5 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e3 y48a6 w3c3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">25<span class=\"_ _0\"></span>,751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e4 y48a6 w9af ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">25,9<span class=\"_ _4\"></span>28.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e5 y48a6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e6 y48a6 w371 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e7 y48a6 w9b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"> </span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e8 y48a6 w97f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">24,<span class=\"_ _4\"></span>900.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48a7 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x10e9 y48a8 w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ea y48a8 w9b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10eb y48a8 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ec y48a8 w2d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ed y48a8 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ec y48a8 w95d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10ee y48a9 w9b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ef y48a9 w9b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">2<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f0 y48a9 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f1 y48a9 w9b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">5,253.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f2 y48a9 w9b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f3 y48a9 w9b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y48aa ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _2ca\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y48ab w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f4 y48ac w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f5 y48ac w9b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21,7<span class=\"_ _4\"></span>66.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f6 y48ac w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f7 y48ac w508 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,786.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f8 y48ac w9b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f9 y48ac w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">22,1<span class=\"_ _4\"></span>25.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48ad w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fa y48ae w9b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">3<span class=\"_ _0\"></span>,524.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fb y48ae w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fc y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fd y48ae w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fe y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48af w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ff y48b0 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1100 y48b0 w453 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8d ws91\">61<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1101 y48b0 w31e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1102 y48b0 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1103 y48b0 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1104 y48b0 w9ba hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">6<span class=\"_ _0\"></span>3.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48b1 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x1105 y48b2 w9bb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1106 y48b2 w9bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fb y48b2 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1107 y48b2 w98a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x797 y48b2 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1108 y48b2 w9bd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48b3 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1109 y439a w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110a y439a w964 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110b y439a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x110c y439a w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110d y439a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x110e y439a w964 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43a4 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x110f y48b4 waf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1110 y48b4 w9be ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">300.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1111 y48b4 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1112 y48b4 w9bf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xece y48b4 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1113 y48b4 w3cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45f2 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1114 y48b5 w9c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1115 y48b5 w9c1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>50.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1116 y48b5 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1117 y48b5 w98e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>46.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1118 y48b5 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x2a7 y48b5 w9c2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">246.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48b6 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></td><td class=\"c n x1109 y426a wb6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1119 y426a w304 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">15.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x111a y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x111b y426a w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">14<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x111c y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x111d y426a w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x111e y426c w9c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"> </span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x111f y426c w9c4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>6,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1120 y426c w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1121 y426c w9c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>0,7<span class=\"_ _0\"></span>88<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1122 y426c w9c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls65 ws69\">16<span class=\"_ _0\"></span>,40<span class=\"_ _0\"></span>2.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1123 y426c w9c7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">27<span class=\"_ _1\"></span>,190.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs6f0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs6f1\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs6f2\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs6f3\">1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs6f4\">2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs6f5\">3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he Group h<span class=\"_ _0\"></span>as rev<span class=\"_ _0\"></span>iewed t<span class=\"_ _0\"></span>he tradi<span class=\"_ _0\"></span>ng freq<span class=\"_ _0\"></span>uency o<span class=\"_ _0\"></span>f the PS<span class=\"_ _0\"></span>Bs and de<span class=\"_ _0\"></span>termin<span class=\"_ _0\"></span>ed the<span class=\"_ _0\"></span>re is insu<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>icient f<span class=\"_ _0\"></span>reque<span class=\"_ _0\"></span>ncy an<span class=\"_ _0\"></span>d volume </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs6f6\">to prov<span class=\"_ _0\"></span>ide pr<span class=\"_ _0\"></span>icing in<span class=\"_ _0\"></span>forma<span class=\"_ _0\"></span>tion on an o<span class=\"_ _0\"></span>ngoin<span class=\"_ _0\"></span>g basi<span class=\"_ _0\"></span>s in the mar<span class=\"_ _0\"></span>ket and ha<span class=\"_ _0\"></span>ve there<span class=\"_ _0\"></span>fore ca<span class=\"_ _0\"></span>tegor<span class=\"_ _0\"></span>ised a<span class=\"_ _0\"></span>s level 2 f<span class=\"_ _0\"></span>air value </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs6f7\">(2022: l<span class=\"_ _0\"></span>evel 1).<span class=\"_ _311\"> </span></div><table class=\"s w9a4 h110\" id=\"_0a52ca72-7053-4d6d-bc47-e9609f30c8dd\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4f8 h2b y48b7 ff2 fs16 fc5 sc0 ls1 ws0\">Estimated fair v<span class=\"_ _4\"></span>alue<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x7d9 h2b y48b8 ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x1124 h2b y48b9 ff2 fs16 fc5 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1125 h2b y48ba ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x1126 h2b y48bb ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 1 </td><td class=\"t m0 x725 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 2 </td><td class=\"t m0 x301 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 3 </td><td class=\"t m0 x297 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x278 h2b y48bd ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x1127 h2b y48be ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74c h2b y48bf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x1128 h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y48c1 ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c2 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x1129 y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112a y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112b y48c2 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x112c y48c2 w932 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112d y48c2 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x903 y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c3 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c4 w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x112e y48c4 w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x112f y48c4 w9c8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1130 y48c4 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1131 y48c4 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1132 y48c4 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y48c4 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48c5 w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1133 y48c5 w9c9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1134 y48c5 w515 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>62<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1135 y48c5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1136 y48c5 w8f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1137 y48c5 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1138 y48c5 w8f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c6 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c7 w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1139 y48c7 w617 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y48c7 w9ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,646.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x113a y48c7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x113b y48c7 w9cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">2,<span class=\"_ _0\"></span>515.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x113c y48c7 w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">2<span class=\"_ _0\"></span>0,231.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x113d y48c7 w9cc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">22,7<span class=\"_ _0\"></span>46<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c8 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x113e y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x113f y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1140 y48c9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1141 y48c9 w52e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1142 y48c9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1143 y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1144 y48ca w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"></span>7,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1145 y48ca w9cd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">27<span class=\"_ _1\"></span>,27<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1146 y48ca wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1147 y48ca w9ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1148 y48ca w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">20,<span class=\"_ _0\"></span>231.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1149 y48ca w9cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y48cb ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y48cc w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x114a y48cc w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114b y48cc w286 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,620.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114c y48cc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x114d y48cc w5a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">5,7<span class=\"_ _0\"></span>70<span class=\"_ _4\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x114e y48cc w9d0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>,<span class=\"_ _1\"></span>922.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x114f y48cc w988 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls2e wsa1\">19<span class=\"_ _1\"></span>,693.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48cd w86c haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1150 y48cd w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1151 y48cd w9d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">5,0<span class=\"_ _0\"></span>57<span class=\"_ _3\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114c y48cd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x114d y48cd w9d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1152 y48cd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1153 y48cd w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y42e5 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1154 y42e5 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1155 y42e5 w9d3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>2.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1156 y42e5 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1157 y42e5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1158 y42e5 w98 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1159 y42e5 w9d4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e7 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x115a y42e7 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x115b y42e7 w9d5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x115c y42e7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115d y42e7 w9d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x115e y42e7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115f y42e7 w9d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48ce ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1160 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1161 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1162 y4266 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1163 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1164 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1165 y4266 w9d7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">38<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1166 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b5 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1167 y431b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1168 y431b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1169 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0d y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x116a y426b w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x116b y426b w9d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116c y426b w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116d y426b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115e y426b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x116e y426b w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1144 y426d w9d9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _0\"></span>281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116f y426d w9da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _4\"></span>109<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1170 y426d w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1171 y426d w9db ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1172 y426d w9dc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14,<span class=\"_ _0\"></span>03<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1173 y426d w9dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-504": {
   "value": "5. <span class=\"_ _18\"> </span>Fair value (losses)/<span class=\"_ _3\"></span>gains on financial instrumen<span class=\"_ _4\"></span>ts<span class=\"_ _311\"> </span><table class=\"s w1f5 hbb\" id=\"_d18332af-3389-4231-8067-6d418eebf8be\"><tr><td></td><td class=\"t m0 x288 h2e y4375 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y4375 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y4376 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x49d h2b y4376 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4377 w1f6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Fair value changes in hedged asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a5 y4378 w1f7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a6 y4377 w1f8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls6e ws74\">(6<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4379 w1f9 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Hedging of assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x2a6 y437a w1fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(59<span class=\"_ _0\"></span>0.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a7 y4379 w1fb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">621.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437b w1fc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Fair value changes in hedged liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a8 y437c w1fd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">(82<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a9 y437b w1fe ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">33<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437d w1ff ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Hedging of liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x4aa y437e w200 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">94.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ab y437d w201 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437f w202 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Ineffective portion of hedges<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ac y4380 w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ad y437f w204 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(8<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4381 w205 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net (losses)/<span class=\"_ _3\"></span>gains on unmatched sw<span class=\"_ _4\"></span>aps<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ae y4382 w206 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4af y4381 w207 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4383 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of inception adjustment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x478 y4384 w208 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(4<span class=\"_ _0\"></span>.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b0 y4385 w209 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4386 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of acquisition-related inception adjus<span class=\"_ _4\"></span>tments<span class=\"_ _311\"> </span></td><td class=\"c n x4b1 y4387 w20a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b2 y4313 w20b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4388 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of de-designated hedge relationships<span class=\"_ _311\"> </span></td><td class=\"c n x4b3 y4389 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b4 y4316 w20d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4318 w20e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value mo<span class=\"_ _4\"></span>vements on mortgages at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ac y438a w20f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b5 y4318 w210 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b w211 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value mo<span class=\"_ _4\"></span>vements on loans and adv<span class=\"_ _4\"></span>ances to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y431a w212 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b6 y431b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w213 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debit and credit valuation adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b7 y431c w214 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b8 y431d w215 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4b9 y431e w216 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>4.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ba y426d w217 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation of in<span class=\"_ _0\"></span>cept<span class=\"_ _0\"></span>ion adju<span class=\"_ _0\"></span>stme<span class=\"_ _0\"></span>nt relat<span class=\"_ _0\"></span>es to the am<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n of the he<span class=\"_ _0\"></span>dging a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>rising w<span class=\"_ _0\"></span>hen he<span class=\"_ _0\"></span>dge accounting<span class=\"_ _4\"></span> commence<span class=\"_ _0\"></span>s<span class=\"_ _4\"></span>, primarily<span class=\"_ _4\"></span> on derivative instr<span class=\"_ _4\"></span>uments previously t<span class=\"_ _4\"></span>aken out<span class=\"_ _4\"></span> against the mortgage<span class=\"_ _4\"></span> pipeline and on derivativ<span class=\"_ _4\"></span>e instruments pr<span class=\"_ _4\"></span>eviously tak<span class=\"_ _4\"></span>en out against<span class=\"_ _4\"></span> new retail<span class=\"_ _4\"></span> deposits.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>Re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>e acco<span class=\"_ _0\"></span>unting a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s and liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d on the C<span class=\"_ _0\"></span>ombin<span class=\"_ _0\"></span>ation. T<span class=\"_ _0\"></span>he inc<span class=\"_ _0\"></span>eptio<span class=\"_ _0\"></span>n adjust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>re be<span class=\"_ _0\"></span>ing amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over t<span class=\"_ _0\"></span>he life of t<span class=\"_ _0\"></span>he deri<span class=\"_ _0\"></span>vativ<span class=\"_ _0\"></span>e instr<span class=\"_ _0\"></span>ument<span class=\"_ _0\"></span>s acquir<span class=\"_ _0\"></span>ed on Co<span class=\"_ _0\"></span>mbina<span class=\"_ _0\"></span>tion sub<span class=\"_ _0\"></span>sequ<span class=\"_ _0\"></span>ently d<span class=\"_ _0\"></span>esign<span class=\"_ _0\"></span>ated in hedging rel<span class=\"_ _0\"></span>ationships.<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span>Re<span class=\"_ _0\"></span>lates to t<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tisa<span class=\"_ _0\"></span>tion of h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>d items w<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>edge a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting ha<span class=\"_ _0\"></span>s been d<span class=\"_ _0\"></span>isco<span class=\"_ _0\"></span>ntinue<span class=\"_ _0\"></span>d due to ine<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s.<span class=\"_ _311\"> </span>45. <span class=\"_ _3\"></span>Financial instruments and fair values<span class=\"_ _311\"> </span>i. <span class=\"_ _27\"> </span>Fin<span class=\"_ _0\"></span>ancial asset<span class=\"_ _0\"></span>s and financi<span class=\"_ _0\"></span>al liabilities<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing table sets out the classification of financial ins<span class=\"_ _4\"></span>truments in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position:<span class=\"_ _311\"> </span><table class=\"s w956 h109\" id=\"_3dc2084d-b96c-4058-8c50-344d95f7904e\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2e y480a ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2e y480b ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xf96 h2e y480c ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x9b5 h2e y480d ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xae4 h2e y480e ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x71d h2e y480f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2e y4810 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2e y4811 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xf97 h2e y4811 ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 x2f8 h2e y4812 ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x837 h2e y4813 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td></tr><tr><td></td><td class=\"t m0 xd44 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\"> <span class=\"_ _4b\"> </span>Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d7 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xf99 h2e y4816 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y4817 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4818 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff1\"> <span class=\"_ _67\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4819 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf9a y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9b y481a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9c y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9d y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e1 y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y481b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y481c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y481c w61 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9f y481d w19b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa0 y481d w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa1 y481d w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa2 y481d w957 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa3 y481d w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2,<span class=\"_ _0\"></span>813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y481e w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y481e w3f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa5 y481f w567 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa6 y481f w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa7 y481f w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa8 y481f w958 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa9 y481f w959 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4820 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4821 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y4821 w95a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n xfab y4822 w187 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfac y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfad y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y4822 w3c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">25,<span class=\"_ _0\"></span>751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfae y4822 w95b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4823 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y4823 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb0 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb1 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb2 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb3 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb4 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4825 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y426b w75 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb6 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb7 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y426a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb9 y426a w95c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a2 y426a w95d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xfba y426c w95e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">24.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbb y426c w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbc y426c w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbd y426c w95f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbe y426c w960 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">29<span class=\"_ _1\"></span>,743.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>Note<span class=\"_ _311\"> </span><table class=\"s w961 h10a\" id=\"_de427da3-50e4-4e70-8768-455ca183e472\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x429 h2e y4826 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9d4 h2e y4827 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xabd h2e y4828 ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x964 h2e y4829 ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xab7 h2e y482a ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x42b h2e y482b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xfbf h2e y482c ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc0 h2e y482d ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc1 h2e y482d ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y482e ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x537 h2e y482f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xc71 h2e y4830 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4832 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4833 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4834 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span></span> <span class=\"_ _ff\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4835 w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc4 y4835 w8e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc5 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc6 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc7 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc8 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc9 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y437f w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y437f w8a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcb y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcc y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcd y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfce y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcf y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4837 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd0 y4837 w962 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd1 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd2 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd3 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd4 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd5 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4396 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4396 w9a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd7 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd8 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd9 y4397 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfda y4397 w9b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdb y4397 w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdc y42e5 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdd y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfde y4398 w963 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdf y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe0 y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe1 y4398 w9e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4839 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfe2 y4264 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe3 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe4 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe5 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe6 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe7 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe8 y4266 w966 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">36<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe9 y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfea y4351 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfeb y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfec y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfed y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfee y4268 w967 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n xfef y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff0 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff1 y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff2 y4334 w619 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xff3 y4334 w6dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xff4 y426b w968 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n xff5 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff6 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff7 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff8 y4321 w61a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xff9 y4321 wb6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffb y431e w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xffc y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffd y431e w969 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xffe y431e w96a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span><table class=\"s w96b h10b\" id=\"_92d6a322-030a-4447-8bbb-3f13d30f039a\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2b y483a ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2b y483b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xe97 h2b y483c ff2 fs16 fc5 sc0 ls1 ws0\">Designated </td><td class=\"t m0 xcd0 h2b y483d ff2 fs16 fc5 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xfff h2b y483e ff2 fs16 fc5 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x837 h2b y483f ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2b y4840 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y4842 ff2 fs16 fc5 sc0 lsb0 ws45\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 xe98 h2b y4843 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xcce h2b y4844 ff2 fs16 fc5 sc0 ls111 ws11d\">Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2b y4844 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4846 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4847 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4848 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4849 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1000 y4849 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1001 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1002 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1003 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1004 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484a ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484b w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y484b w61 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y484b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1008 y484b w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1009 y484b w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484c w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y484c w3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n x100a y484c w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x100b y484c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x100c y484c w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x100d y484c w96d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x100e y484c w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484d ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484e w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y484e w95a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n x100f y484e w96e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1010 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1011 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1012 y484e w3c4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1013 y484e w96f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484f w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y484f w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1014 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1015 y484f w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1016 y484f w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1017 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1018 y484f w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4850 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y4851 w75 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n x1019 y4851 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101a y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101b y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101c y4851 w2aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x101d y4851 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x101e y4852 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x101f y4852 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1020 y4852 w3a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1021 y4852 w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _33\"> </span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1022 y4852 w971 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28,28<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4853 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1023 y4854 w8e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n x1024 y4854 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1025 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1026 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1027 y4854 w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1028 y4854 w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y4855 w973 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y4855 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1029 y4855 w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y4855 w974 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x102b y4856 w96 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n x102c y4856 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102d y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102e y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102f y4856 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1030 y4856 w8fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4857 w9a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n x1031 y4857 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1032 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1033 y4857 w976 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1034 y4857 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4858 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1035 y4858 w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1036 y4858 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1037 y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1038 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1039 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103a y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4859 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y485a w2e1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n x103b y485a w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103c y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103d y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103e y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x103f y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1040 y44f6 wb2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n x1041 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1042 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1043 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1044 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1045 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1046 y44f7 wb5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n x1047 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1048 y44f7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1049 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104a y44f7 wb7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x104b y44f7 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104c y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x104d y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104e y426d w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x104f y426d w978 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>The Group has no non-derivativ<span class=\"_ _4\"></span>e financial assets or financial liabilities classified as held for<span class=\"_ gs27\"> </span>tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span>ii. <span class=\"_ _11\"> </span>Fair va<span class=\"_ _0\"></span>lues<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables summarise the carrying value and estimat<span class=\"_ _4\"></span>ed fair value of financial instrumen<span class=\"_ _4\"></span>ts not measured at fair v<span class=\"_ _4\"></span>alue in the Consolidated Statement o<span class=\"_ _4\"></span>f Financial Position: <table class=\"s w979 h10c\" id=\"_504ba402-00be-4bc6-9818-94addfbf09f7\"><tr><td></td><td></td><td class=\"c n x1050 y485b w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1051 y485b w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xab9 h2e y485c ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x66c h2e y485d ff1 fs16 fc6 sc0 ls1 ws0\">Estimated  </td><td class=\"t m0 xbd7 h2b y485e ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x427 h2b y485f ff2 fs16 fc5 sc0 ls1 ws0\">Estimated  </td></tr><tr><td></td><td class=\"t m0 x53b h2e y4860 ff1 fs16 fc6 sc0 ls1 ws0\"> value<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y4861 ff1 fs16 fc6 sc0 ls1 ws0\">fair value</td><td class=\"t m0 xa31 h2b y4862 ff2 fs16 fc5 sc0 ls1 ws0\"> value<span class=\"_ _311\"> </span></td><td class=\"t m0 x535 h2b y4863 ff2 fs16 fc5 sc0 ls1 ws0\">fair value<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x670 h2e y4864 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4865 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2b y4866 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4867 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4868 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2db\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _146\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4869 w8b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x1052 y486a w97a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1053 y486a w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1054 y4869 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x785 y4869 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y486b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1055 y486c w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1056 y486c w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1057 y484c w63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1058 y484c w5a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y486d w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1059 y486e w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x105a y486e w97c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x105b y486d w96d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x3ee y486d w97d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">260.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y486f ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484f w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x105c y4870 w97e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">25,7<span class=\"_ _0\"></span>51.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x105d y4870 w97f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">24,900<span class=\"_ _4\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x105e y484f w4b1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">23,598.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x105f y484f w980 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">22,7<span class=\"_ _0\"></span>46<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4871 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x1060 y4872 w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1061 y4872 w982 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1062 y4873 w577 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1063 y4873 w577 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1064 y4874 w983 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">28,891<span class=\"_ _4\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1065 y4874 w984 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1066 y4852 w985 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"> </span>7,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1067 y4852 w7bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">26<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4875 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _6\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1068 y4876 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1069 y4876 w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">22,125.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x106a y4854 w987 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x106b y4854 w988 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls2e wsa1\">19<span class=\"_ _1\"></span>,693.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x106c y4877 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x106d y4877 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x106e y4855 w5bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdaa y4855 w989 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x106f y4878 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1070 y4878 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1071 y4856 w975 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1072 y4856 w8fe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x1073 y4879 w98a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1074 y4879 w9b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1075 y4857 w98b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1076 y4857 w976 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">26<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y487a ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1077 y487b w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1078 y487b w443 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1079 y487c w98d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x107a y487c w98d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4504 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x107b y4505 waf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x107c y4505 w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x107d y4504 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x107e y4504 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x107f y4506 w5eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1080 y4506 w98e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">24<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1081 y44f6 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1082 y44f6 w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1083 y4508 wb6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1084 y4508 w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">14<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1085 y4507 w5f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1086 y4507 w98f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1087 y426c w990 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1088 y426c w991 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">27<span class=\"_ _1\"></span>,<span class=\"_ _4\"></span>19<span class=\"_ _0\"></span>0.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1089 y426d w992 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _0\"></span>281<span class=\"_ _4\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x108a y426d w993 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>The fair values in these tables ar<span class=\"_ _4\"></span>e estimated using the v<span class=\"_ _4\"></span>aluation techniques below<span class=\"_ _4\"></span>. The estimate<span class=\"_ _4\"></span>d<span class=\"_ _0\"></span> fair value is s<span class=\"_ _4\"></span>tated as at 31 December and may be significantly differen<span class=\"_ _4\"></span>t from the amounts which will actually be paid on the maturity or settlement dates o<span class=\"_ _4\"></span>f each financial instrument. Cash in h<span class=\"_ _0\"></span>and<span class=\"_ _311\"> </span>This represen<span class=\"_ _4\"></span>ts physical cash across the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s branch network wher<span class=\"_ _4\"></span>e fair value is considered to be equal to carrying v<span class=\"_ _4\"></span>alue. Loans and a<span class=\"_ _0\"></span>dvances to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _311\"> </span>This mainly represen<span class=\"_ _4\"></span>ts the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s working capital curr<span class=\"_ _4\"></span>ent accounts and call account<span class=\"_ _4\"></span>s with centr<span class=\"_ _4\"></span>al government<span class=\"_ _4\"></span>s and other banks with an original maturity of less than thr<span class=\"_ _4\"></span>ee months. Fair value is not considered t<span class=\"_ _4\"></span>o be materially dif<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>erent to carrying value<span class=\"_ _4\"></span>. Investm<span class=\"_ _0\"></span>ent secu<span class=\"_ _0\"></span>rities<span class=\"_ _311\"> </span>Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _1\"></span>\u2019 fair values are pr<span class=\"_ _4\"></span>ovided by a third party and are based on the mark<span class=\"_ _1\"></span>et values of similar financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The fair value of inv<span class=\"_ _4\"></span>estment securities held at FVTPL is measured using a discoun<span class=\"_ _4\"></span>ted cash flow model.<span class=\"_ _311\"> </span>Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>This mainly represen<span class=\"_ _4\"></span>ts secured mortgage lending to cus<span class=\"_ _4\"></span>tomers. The f<span class=\"_ _4\"></span>air value of fixed r<span class=\"_ _4\"></span>ate mortgages has been estimated by discoun<span class=\"_ _4\"></span>ting future cash flows at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates of int<span class=\"_ _4\"></span>erest. Future cash flo<span class=\"_ _4\"></span>ws include the impact of ECL. The int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate on variable rate mortgages is considered to be equal to curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et product r<span class=\"_ _4\"></span>ates and as such fair value is estimat<span class=\"_ _4\"></span>ed to be equal to carrying value<span class=\"_ _4\"></span>. Other assets<span class=\"_ _311\"> </span>Other assets disclosed in the table abo<span class=\"_ _4\"></span>ve ex<span class=\"_ _4\"></span>clude prepayments and the fair v<span class=\"_ _4\"></span>alue is considered to be equal to carrying v<span class=\"_ _4\"></span>alue. Amount<span class=\"_ _0\"></span>s owed to retail dep<span class=\"_ _0\"></span>ositors<span class=\"_ _311\"> </span>The fair value o<span class=\"_ _4\"></span>f fixed rate r<span class=\"_ _4\"></span>etail deposits has been estimat<span class=\"_ _4\"></span>ed by discounting future cash flo<span class=\"_ _4\"></span>ws at current mark<span class=\"_ _1\"></span>et rates of in<span class=\"_ _4\"></span>terest. R<span class=\"_ _4\"></span>etail deposits at variable r<span class=\"_ _4\"></span>ates and deposits payable on demand are considered t<span class=\"_ _4\"></span>o be at current mark<span class=\"_ _4\"></span>et rates and as such f<span class=\"_ _4\"></span>air value is estimate<span class=\"_ _4\"></span>d to be equal to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Amount<span class=\"_ _0\"></span>s owed to credit ins<span class=\"_ _0\"></span>titutions<span class=\"_ _311\"> </span>This mainly represen<span class=\"_ _4\"></span>ts amounts dr<span class=\"_ _4\"></span>awn down under the BoE TFSME, IL<span class=\"_ _3\"></span>TR and commercial repos. Fair value is considere<span class=\"_ _4\"></span>d to be equal to carrying value<span class=\"_ _4\"></span>. Amount<span class=\"_ _0\"></span>s owed to other cus<span class=\"_ _0\"></span>tomers<span class=\"_ _311\"> </span>This represen<span class=\"_ _4\"></span>ts saving products to corpor<span class=\"_ _4\"></span>ations and local authorities. The fair v<span class=\"_ _4\"></span>alue of fixed rate deposit<span class=\"_ _4\"></span>s is estimated by discounting futur<span class=\"_ _4\"></span>e cash flows at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates of in<span class=\"_ _4\"></span>terest. Deposits at variable r<span class=\"_ _4\"></span>ates are considered to be at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates and the fair v<span class=\"_ _4\"></span>alue is estimat<span class=\"_ _4\"></span>ed to be equal to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Deb<span class=\"_ _0\"></span>t securities in is<span class=\"_ _0\"></span>sue<span class=\"_ _311\"> </span>While the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s debt securities in issue are lis<span class=\"_ _4\"></span>ted, the quoted prices for an individual note may not be indicative o<span class=\"_ _4\"></span>f the fair value of the issue as a whole<span class=\"_ _4\"></span>, due to the specialised nature of the mark<span class=\"_ _1\"></span>et in such instruments and the limite<span class=\"_ _4\"></span>d number of inves<span class=\"_ _4\"></span>tors participating in it. Fair value is not considered t<span class=\"_ _4\"></span>o be materially dif<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>erent to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Othe<span class=\"_ _0\"></span>r liabilities<span class=\"_ _311\"> </span>Other liabilities disclosed in the table abo<span class=\"_ _4\"></span>ve exclude de<span class=\"_ _4\"></span>ferred income and the fair value is considered to be equal t<span class=\"_ _4\"></span>o carrying value.<span class=\"_ _311\"> </span>Senior n<span class=\"_ _0\"></span>otes, Subordinate<span class=\"_ _0\"></span>d liabilities and PSBs<span class=\"_ _311\"> </span>The senior notes<span class=\"_ _4\"></span>, subordinated liabilities and PSBs are lis<span class=\"_ _4\"></span>ted on the L<span class=\"_ _4\"></span>ondon Stock Exchange with fair value being the quot<span class=\"_ _4\"></span>ed market price at the r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting dat<span class=\"_ _4\"></span>e. iii. <span class=\"_ _18\"> </span>Fair value cl<span class=\"_ _0\"></span>assifi<span class=\"_ _0\"></span>cation<span class=\"_ _311\"> </span>The Group classifies fair v<span class=\"_ _4\"></span>alue measurements using a fair v<span class=\"_ _4\"></span>alue hierarchy that re<span class=\"_ _4\"></span>flects the significance of the inputs used in making the me<span class=\"_ _4\"></span>asurements<span class=\"_ _4\"></span>. The following tables pr<span class=\"_ _4\"></span>ovide an analysis of financial assets and financial liabilities measur<span class=\"_ _4\"></span>ed at fair value in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position grouped int<span class=\"_ _4\"></span>o Lev<span class=\"_ _4\"></span>els 1 to 3 based on the degree to which the f<span class=\"_ _4\"></span>air value is observable:<span class=\"_ _311\"> </span><table class=\"s w994 h10d\" id=\"_62196839-4d78-4ca7-a251-7ece7393d963\"><tr><td></td><td class=\"t m0 x66f h2e y487d ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x108b h2e y487e ff1 fs16 fc6 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x108c h2e y487f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 1 </td><td class=\"t m0 x85a h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 2 </td><td class=\"t m0 xa34 h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 3 </td><td class=\"t m0 x9d4 h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x28f h2e y4881 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b2 h2e y4882 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4884 ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _bb\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4885 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4489 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x108d y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x108e y448a w996 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x108f y448a w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1090 y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1091 y448a w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1092 y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4260 w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1093 y4262 w997 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1094 y4262 w998 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">300.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1095 y4262 w999 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1096 y4262 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1097 y4262 w329 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1098 y4262 w663 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4886 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1099 y4264 w99a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x109a y4265 w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x109b y4265 w99b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x109c y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x109d y4265 w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x109e y4265 w99c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x109f y4265 w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w4d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a0 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a1 y440b w4d7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a2 y440b w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a3 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a4 y440b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a5 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10a6 y4269 w99d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">851<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a7 y4269 w99e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _2\"> </span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a8 y4269 w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a9 y4269 w99f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">541<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10aa y4269 w9a0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ab y4269 w9a1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">8<span class=\"_ _0\"></span>51.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4887 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _209\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ac y426c w873 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ad y426c w9a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8,<span class=\"_ _4\"></span>913.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ae y426c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10af y426c w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x56e y426c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b0 y426c w9a3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w9a4 h10e\" id=\"_27546f55-44b5-4b00-a2c0-00ed7ebe88ce\"><tr><td></td><td class=\"t m0 x691 h2b y4888 ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x10b1 h2b y4889 ff2 fs16 fc5 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87f h2b y488a ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d3 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 1 </td><td class=\"t m0 xf97 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 2 </td><td class=\"t m0 x9ae h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 3 </td><td class=\"t m0 x297 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x278 h2b y488c ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2b y488d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y488f ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4260 w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b2 y4260 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>50.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b3 y4260 w9a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b4 y4260 w324 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1c y4260 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b5 y4260 w9a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x984 y4260 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>50.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4890 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4264 w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b6 y4264 w3c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b7 y4264 w6ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b8 y4264 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b9 y4264 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ba y4264 w9a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bb y4264 w3c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bc y4266 w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bd y4266 w9a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15,<span class=\"_ _0\"></span>662.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10be y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bf y4266 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c0 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c1 y4266 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10c2 y4268 w646 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,0<span class=\"_ _0\"></span>53<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c3 y4268 w9a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">15,<span class=\"_ _4\"></span>830.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c4 y4268 w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c5 y4268 w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c6 y4268 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c7 y4268 w9aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,0<span class=\"_ _0\"></span>53.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4891 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c8 y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c9 y426d w9ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ca y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cb y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cc y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cd y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr></table>Le<span class=\"_ _4\"></span>vel 1:<span class=\"ff4\"> Fair values that are base<span class=\"_ _4\"></span>d entirely on quoted mark<span class=\"_ _1\"></span>et prices (unadjusted) in an activ<span class=\"_ _4\"></span>ely </span>traded mark<span class=\"_ _1\"></span>et for identical assets and liabilities that the Gr<span class=\"_ _4\"></span>oup has the ability to access. V<span class=\"_ _4\"></span>aluation adjustmen<span class=\"_ _4\"></span>ts and block discounts are not applied to L<span class=\"_ _4\"></span>ev<span class=\"_ _4\"></span>el 1 instruments<span class=\"_ _4\"></span>. Since valuations are based on r<span class=\"_ _4\"></span>eadily available observable mark<span class=\"_ _4\"></span>et prices, this mak<span class=\"_ _4\"></span>es them most reliable<span class=\"_ _4\"></span>, reduces the need for management judgemen<span class=\"_ _4\"></span>t and estimation and also reduces the uncertainty associated with determining f<span class=\"_ _4\"></span>air values.  Le<span class=\"_ _4\"></span>vel 2:<span class=\"ff4\"> Fair values that are base<span class=\"_ _4\"></span>d on one or more quoted prices in mark<span class=\"_ _4\"></span>ets that are not activ<span class=\"_ _4\"></span>e </span>or for which all significant input<span class=\"_ _4\"></span>s are tak<span class=\"_ _4\"></span>en from directly or indirectly observable mark<span class=\"_ _1\"></span>et data. These include valuation models used to c<span class=\"_ _4\"></span>alculate the present value o<span class=\"_ _4\"></span>f expected future cash flows and may be employe<span class=\"_ _4\"></span>d either when no active mark<span class=\"_ _4\"></span>et exis<span class=\"_ _4\"></span>ts or when there are no quoted prices available for similar ins<span class=\"_ _4\"></span>truments in active mark<span class=\"_ _1\"></span>ets. Le<span class=\"_ _4\"></span>vel 3:<span class=\"ff4\"> Fair values for which any one or mor<span class=\"_ _4\"></span>e significant input is not based on observable </span>mark<span class=\"_ _4\"></span>et data and the unobservable inputs have a significan<span class=\"_ _4\"></span>t ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect on the instrument<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s fair value<span class=\"_ _4\"></span>. Valuation mo<span class=\"_ _4\"></span>dels that employ significant unobservable inputs require a higher degr<span class=\"_ _4\"></span>ee of management judgement and es<span class=\"_ _4\"></span>timation in determining the fair value<span class=\"_ _4\"></span>. Management judgement and estimation ar<span class=\"_ _4\"></span>e usually required for the selection o<span class=\"_ _4\"></span>f the appropriate valuation model to be used, determination of e<span class=\"_ _4\"></span>xpected future cash flo<span class=\"_ _4\"></span>ws on the financial instrument<span class=\"_ _4\"></span>s being valued, determination of the pr<span class=\"_ _4\"></span>obability of counterparty default and prepaymen<span class=\"_ _4\"></span>ts, determination o<span class=\"_ _4\"></span>f expected v<span class=\"_ _4\"></span>olatilities and correlations and the selection of appropriat<span class=\"_ _4\"></span>e discount rates<span class=\"_ _4\"></span>.<span class=\"_ gs41e\"> </span>The follo<span class=\"_ _4\"></span>wing tables provide an analysis of financial asset<span class=\"_ _4\"></span>s and financial liabilities not measured at f<span class=\"_ _4\"></span>air value in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position grouped into L<span class=\"_ _4\"></span>ev<span class=\"_ _4\"></span>els 1 to 3 based on the degr<span class=\"_ _4\"></span>ee to which the fair value is observable:<table class=\"s w43e h10f\" id=\"_7a890d8f-03cf-4cc5-bcfd-e59c983d5245\"><tr><td></td><td class=\"t m0 x965 h2e y4892 ff1 fs16 fc6 sc0 ls1 ws0\"> Carrying </td><td class=\"t m0 x8c0 h2e y4893 ff1 fs16 fc6 sc0 ls1 ws0\">Principal </td><td></td><td></td><td class=\"t m0 x10ce h2e y4894 ff1 fs16 fc6 sc0 ls1 ws0\">Estimated fair value<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x10cf h2e y4895 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x10d0 h2e y4896 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x66c h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 1 </td><td class=\"t m0 xe36 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 2 </td><td class=\"t m0 x10d1 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 3 </td><td class=\"t m0 x9d4 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x28f h2e y4898 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fa h2e y4899 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fb h2e y489a ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x536 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y489c ff4 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _296\"> </span><span class=\"ff1\"> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y489d w8b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d2 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d3 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d4 y489e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d5 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d6 y489e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d7 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y489f ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48a0 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d8 y48a1 w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d9 y48a1 w9ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">2<span class=\"_ _0\"></span>,785<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10da y48a1 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9b y48a1 w9ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10db y48a1 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10dc y48a1 w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48a2 w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10dd y48a3 w958 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10de y48a3 w9ae ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">323<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x10df y48a3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e0 y48a3 w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e1 y48a3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e2 y48a3 w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48a4 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48a5 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e3 y48a6 w3c3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">25<span class=\"_ _0\"></span>,751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e4 y48a6 w9af ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">25,9<span class=\"_ _4\"></span>28.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e5 y48a6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e6 y48a6 w371 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e7 y48a6 w9b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"> </span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e8 y48a6 w97f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">24,<span class=\"_ _4\"></span>900.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48a7 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x10e9 y48a8 w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ea y48a8 w9b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10eb y48a8 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ec y48a8 w2d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ed y48a8 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ec y48a8 w95d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10ee y48a9 w9b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ef y48a9 w9b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">2<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f0 y48a9 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f1 y48a9 w9b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">5,253.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f2 y48a9 w9b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f3 y48a9 w9b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y48aa ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _2ca\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y48ab w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f4 y48ac w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f5 y48ac w9b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21,7<span class=\"_ _4\"></span>66.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f6 y48ac w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f7 y48ac w508 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,786.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f8 y48ac w9b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f9 y48ac w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">22,1<span class=\"_ _4\"></span>25.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48ad w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fa y48ae w9b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">3<span class=\"_ _0\"></span>,524.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fb y48ae w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fc y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fd y48ae w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fe y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48af w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ff y48b0 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1100 y48b0 w453 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8d ws91\">61<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1101 y48b0 w31e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1102 y48b0 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1103 y48b0 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1104 y48b0 w9ba hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">6<span class=\"_ _0\"></span>3.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48b1 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x1105 y48b2 w9bb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1106 y48b2 w9bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fb y48b2 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1107 y48b2 w98a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x797 y48b2 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1108 y48b2 w9bd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48b3 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1109 y439a w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110a y439a w964 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110b y439a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x110c y439a w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110d y439a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x110e y439a w964 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43a4 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x110f y48b4 waf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1110 y48b4 w9be ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">300.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1111 y48b4 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1112 y48b4 w9bf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xece y48b4 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1113 y48b4 w3cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45f2 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1114 y48b5 w9c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1115 y48b5 w9c1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>50.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1116 y48b5 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1117 y48b5 w98e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>46.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1118 y48b5 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x2a7 y48b5 w9c2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">246.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48b6 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></td><td class=\"c n x1109 y426a wb6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1119 y426a w304 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">15.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x111a y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x111b y426a w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">14<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x111c y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x111d y426a w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x111e y426c w9c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"> </span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x111f y426c w9c4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>6,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1120 y426c w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1121 y426c w9c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>0,7<span class=\"_ _0\"></span>88<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1122 y426c w9c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls65 ws69\">16<span class=\"_ _0\"></span>,40<span class=\"_ _0\"></span>2.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1123 y426c w9c7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">27<span class=\"_ _1\"></span>,190.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he Group h<span class=\"_ _0\"></span>as rev<span class=\"_ _0\"></span>iewed t<span class=\"_ _0\"></span>he tradi<span class=\"_ _0\"></span>ng freq<span class=\"_ _0\"></span>uency o<span class=\"_ _0\"></span>f the PS<span class=\"_ _0\"></span>Bs and de<span class=\"_ _0\"></span>termin<span class=\"_ _0\"></span>ed the<span class=\"_ _0\"></span>re is insu<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>icient f<span class=\"_ _0\"></span>reque<span class=\"_ _0\"></span>ncy an<span class=\"_ _0\"></span>d volume to prov<span class=\"_ _0\"></span>ide pr<span class=\"_ _0\"></span>icing in<span class=\"_ _0\"></span>forma<span class=\"_ _0\"></span>tion on an o<span class=\"_ _0\"></span>ngoin<span class=\"_ _0\"></span>g basi<span class=\"_ _0\"></span>s in the mar<span class=\"_ _0\"></span>ket and ha<span class=\"_ _0\"></span>ve there<span class=\"_ _0\"></span>fore ca<span class=\"_ _0\"></span>tegor<span class=\"_ _0\"></span>ised a<span class=\"_ _0\"></span>s level 2 f<span class=\"_ _0\"></span>air value (2022: l<span class=\"_ _0\"></span>evel 1).<span class=\"_ _311\"> </span><div class=\"gs690\"><table class=\"s w9a4 h110\" id=\"_0a52ca72-7053-4d6d-bc47-e9609f30c8dd\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4f8 h2b y48b7 ff2 fs16 fc5 sc0 ls1 ws0\">Estimated fair v<span class=\"_ _4\"></span>alue<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x7d9 h2b y48b8 ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x1124 h2b y48b9 ff2 fs16 fc5 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1125 h2b y48ba ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x1126 h2b y48bb ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 1 </td><td class=\"t m0 x725 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 2 </td><td class=\"t m0 x301 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 3 </td><td class=\"t m0 x297 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x278 h2b y48bd ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x1127 h2b y48be ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74c h2b y48bf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x1128 h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y48c1 ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c2 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x1129 y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112a y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112b y48c2 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x112c y48c2 w932 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112d y48c2 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x903 y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c3 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c4 w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x112e y48c4 w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x112f y48c4 w9c8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1130 y48c4 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1131 y48c4 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1132 y48c4 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y48c4 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48c5 w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1133 y48c5 w9c9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1134 y48c5 w515 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>62<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1135 y48c5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1136 y48c5 w8f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1137 y48c5 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1138 y48c5 w8f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c6 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c7 w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1139 y48c7 w617 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y48c7 w9ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,646.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x113a y48c7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x113b y48c7 w9cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">2,<span class=\"_ _0\"></span>515.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x113c y48c7 w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">2<span class=\"_ _0\"></span>0,231.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x113d y48c7 w9cc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">22,7<span class=\"_ _0\"></span>46<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c8 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x113e y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x113f y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1140 y48c9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1141 y48c9 w52e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1142 y48c9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1143 y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1144 y48ca w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"></span>7,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1145 y48ca w9cd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">27<span class=\"_ _1\"></span>,27<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1146 y48ca wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1147 y48ca w9ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1148 y48ca w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">20,<span class=\"_ _0\"></span>231.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1149 y48ca w9cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y48cb ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y48cc w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x114a y48cc w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114b y48cc w286 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,620.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114c y48cc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x114d y48cc w5a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">5,7<span class=\"_ _0\"></span>70<span class=\"_ _4\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x114e y48cc w9d0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>,<span class=\"_ _1\"></span>922.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x114f y48cc w988 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls2e wsa1\">19<span class=\"_ _1\"></span>,693.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48cd w86c haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1150 y48cd w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1151 y48cd w9d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">5,0<span class=\"_ _0\"></span>57<span class=\"_ _3\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114c y48cd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x114d y48cd w9d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1152 y48cd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1153 y48cd w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y42e5 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1154 y42e5 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1155 y42e5 w9d3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>2.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1156 y42e5 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1157 y42e5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1158 y42e5 w98 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1159 y42e5 w9d4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e7 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x115a y42e7 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x115b y42e7 w9d5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x115c y42e7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115d y42e7 w9d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x115e y42e7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115f y42e7 w9d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48ce ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1160 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1161 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1162 y4266 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1163 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1164 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1165 y4266 w9d7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">38<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1166 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b5 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1167 y431b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1168 y431b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1169 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0d y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x116a y426b w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x116b y426b w9d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116c y426b w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116d y426b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115e y426b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x116e y426b w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1144 y426d w9d9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _0\"></span>281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116f y426d w9da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _4\"></span>109<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1170 y426d w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1171 y426d w9db ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1172 y426d w9dc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14,<span class=\"_ _0\"></span>03<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1173 y426d w9dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs6f9\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs6fa\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs6fb\">1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs6fc\">2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-477": {
   "value": "5. <span class=\"_ _18\"> </span>Fair value (losses)/<span class=\"_ _3\"></span>gains on financial instrumen<span class=\"_ _4\"></span>ts<span class=\"_ _311\"> </span><table class=\"s w1f5 hbb\" id=\"_d18332af-3389-4231-8067-6d418eebf8be\"><tr><td></td><td class=\"t m0 x288 h2e y4375 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y4375 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y4376 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x49d h2b y4376 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4377 w1f6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Fair value changes in hedged asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a5 y4378 w1f7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a6 y4377 w1f8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls6e ws74\">(6<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4379 w1f9 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Hedging of assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x2a6 y437a w1fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(59<span class=\"_ _0\"></span>0.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a7 y4379 w1fb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">621.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437b w1fc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Fair value changes in hedged liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a8 y437c w1fd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">(82<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a9 y437b w1fe ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">33<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437d w1ff ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Hedging of liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x4aa y437e w200 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">94.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ab y437d w201 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y437f w202 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Ineffective portion of hedges<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ac y4380 w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ad y437f w204 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(8<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4381 w205 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net (losses)/<span class=\"_ _3\"></span>gains on unmatched sw<span class=\"_ _4\"></span>aps<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ae y4382 w206 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4af y4381 w207 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4383 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of inception adjustment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x478 y4384 w208 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(4<span class=\"_ _0\"></span>.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b0 y4385 w209 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4386 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of acquisition-related inception adjus<span class=\"_ _4\"></span>tments<span class=\"_ _311\"> </span></td><td class=\"c n x4b1 y4387 w20a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b2 y4313 w20b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4388 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation of de-designated hedge relationships<span class=\"_ _311\"> </span></td><td class=\"c n x4b3 y4389 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b4 y4316 w20d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4318 w20e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value mo<span class=\"_ _4\"></span>vements on mortgages at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ac y438a w20f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b5 y4318 w210 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b w211 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value mo<span class=\"_ _4\"></span>vements on loans and adv<span class=\"_ _4\"></span>ances to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions at FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y431a w212 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b6 y431b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w213 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debit and credit valuation adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b7 y431c w214 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b8 y431d w215 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4b9 y431e w216 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>4.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ba y426d w217 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ation of in<span class=\"_ _0\"></span>cept<span class=\"_ _0\"></span>ion adju<span class=\"_ _0\"></span>stme<span class=\"_ _0\"></span>nt relat<span class=\"_ _0\"></span>es to the am<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n of the he<span class=\"_ _0\"></span>dging a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>rising w<span class=\"_ _0\"></span>hen he<span class=\"_ _0\"></span>dge accounting<span class=\"_ _4\"></span> commence<span class=\"_ _0\"></span>s<span class=\"_ _4\"></span>, primarily<span class=\"_ _4\"></span> on derivative instr<span class=\"_ _4\"></span>uments previously t<span class=\"_ _4\"></span>aken out<span class=\"_ _4\"></span> against the mortgage<span class=\"_ _4\"></span> pipeline and on derivativ<span class=\"_ _4\"></span>e instruments pr<span class=\"_ _4\"></span>eviously tak<span class=\"_ _4\"></span>en out against<span class=\"_ _4\"></span> new retail<span class=\"_ _4\"></span> deposits.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>Re<span class=\"_ _0\"></span>lates t<span class=\"_ _0\"></span>o hedg<span class=\"_ _0\"></span>e acco<span class=\"_ _0\"></span>unting a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s and liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d on the C<span class=\"_ _0\"></span>ombin<span class=\"_ _0\"></span>ation. T<span class=\"_ _0\"></span>he inc<span class=\"_ _0\"></span>eptio<span class=\"_ _0\"></span>n adjust<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>re be<span class=\"_ _0\"></span>ing amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed over t<span class=\"_ _0\"></span>he life of t<span class=\"_ _0\"></span>he deri<span class=\"_ _0\"></span>vativ<span class=\"_ _0\"></span>e instr<span class=\"_ _0\"></span>ument<span class=\"_ _0\"></span>s acquir<span class=\"_ _0\"></span>ed on Co<span class=\"_ _0\"></span>mbina<span class=\"_ _0\"></span>tion sub<span class=\"_ _0\"></span>sequ<span class=\"_ _0\"></span>ently d<span class=\"_ _0\"></span>esign<span class=\"_ _0\"></span>ated in hedging rel<span class=\"_ _0\"></span>ationships.<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span>Re<span class=\"_ _0\"></span>lates to t<span class=\"_ _0\"></span>he amor<span class=\"_ _0\"></span>tisa<span class=\"_ _0\"></span>tion of h<span class=\"_ _0\"></span>edge<span class=\"_ _0\"></span>d items w<span class=\"_ _0\"></span>here h<span class=\"_ _0\"></span>edge a<span class=\"_ _0\"></span>ccoun<span class=\"_ _0\"></span>ting ha<span class=\"_ _0\"></span>s been d<span class=\"_ _0\"></span>isco<span class=\"_ _0\"></span>ntinue<span class=\"_ _0\"></span>d due to ine<span class=\"_ _0\"></span>ffe<span class=\"_ _0\"></span>ctive<span class=\"_ _0\"></span>nes<span class=\"_ _0\"></span>s.<span class=\"_ _311\"> </span>9<span class=\"_ _3\"></span>. <span class=\"_ _182\"> </span>Share-based payments<span class=\"_ _311\"> </span>The share-based e<span class=\"_ _4\"></span>xpense for the year includes a charge in respect o<span class=\"_ _4\"></span>f the Sharesave Scheme, DSBP and PSP<span class=\"_ _3\"></span>. All charges are included in employee expenses within no<span class=\"_ _4\"></span>te 7 Administr<span class=\"_ _4\"></span>ative<span class=\"_ gs27\"> </span>expenses<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>A summary of the share-based schemes oper<span class=\"_ _4\"></span>ated by the Group is set out belo<span class=\"_ _4\"></span>w<span class=\"_ _4\"></span>. Sharesave Scheme<span class=\"_ _311\"> </span>Sharesav<span class=\"_ _4\"></span>e Scheme is a share option scheme which is available to all UK-base<span class=\"_ _4\"></span>d employees. The Sharesav<span class=\"_ _4\"></span>e Scheme allows employees to purchase options by saving a fix<span class=\"_ _4\"></span>ed amount of betw<span class=\"_ _4\"></span>een \u00a310 and \u00a3500 per month ov<span class=\"_ _4\"></span>er a period of three year<span class=\"_ _4\"></span>s at the end of which the options, subject to leav<span class=\"_ _4\"></span>er provisions<span class=\"_ _4\"></span>, are usually exer<span class=\"_ _4\"></span>cisable. If not ex<span class=\"_ _4\"></span>ercised, the amount saved is r<span class=\"_ _4\"></span>eturned to the employee. The Shar<span class=\"_ _4\"></span>esave Scheme has been in operation since 2014 and an in<span class=\"_ _4\"></span>vitation to join the scheme is usually extended annually, with the op<span class=\"_ _4\"></span>tion price calculated using the mid-<span class=\"_ _311\"> </span>mark<span class=\"_ _4\"></span>et price of an OSBG or<span class=\"_ _4\"></span>dinary share ov<span class=\"_ _4\"></span>er the three dealing days prior to the Invitation Dat<span class=\"_ _4\"></span>e and applying a discount of 2<span class=\"_ _4\"></span>0%.<span class=\"_ _311\"> </span>Def<span class=\"_ _0\"></span>erred Sh<span class=\"_ _0\"></span>are Bonus Pl<span class=\"_ _0\"></span>an DSBP aw<span class=\"_ _4\"></span>ards are gr<span class=\"_ _4\"></span>anted to Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s and cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain senior managers to allow a portion of their performance bonuses to be def<span class=\"_ _4\"></span>erred in shares for up t<span class=\"_ _4\"></span>o three to seven ye<span class=\"_ _4\"></span>ars for Executiv<span class=\"_ _4\"></span>e Director<span class=\"_ _4\"></span>s and typically one year for senior managers<span class=\"_ _4\"></span>. There are no further performance or ves<span class=\"_ _4\"></span>ting conditions attached to deferr<span class=\"_ _4\"></span>ed awar<span class=\"_ _4\"></span>ds for senior managers<span class=\"_ _4\"></span>, which also applies to Executiv<span class=\"_ _4\"></span>e Directors f<span class=\"_ _4\"></span>or awar<span class=\"_ _4\"></span>ds grante<span class=\"_ _4\"></span>d from April 2021. The share aw<span class=\"_ _4\"></span>ards are subject t<span class=\"_ _4\"></span>o<span class=\"_ _0\"></span> clawback pro<span class=\"_ _4\"></span>visions. The DSBP a<span class=\"_ _4\"></span>wards ar<span class=\"_ _4\"></span>e expensed in the year services are received with a corresponding increase in e<span class=\"_ _4\"></span>quity. Awar<span class=\"_ _4\"></span>ds granted t<span class=\"_ _4\"></span>o Executive Direct<span class=\"_ _4\"></span>ors in March 202<span class=\"_ _4\"></span>0 and prior<span class=\"_ _4\"></span>, are subject to v<span class=\"_ _4\"></span>esting conditions and are e<span class=\"_ _4\"></span>xpensed over the v<span class=\"_ _4\"></span>esting period. DSBP aw<span class=\"_ _4\"></span>ards for senior manager<span class=\"_ _4\"></span>s carry entitlements to dividend e<span class=\"_ _4\"></span>quivalents<span class=\"_ _4\"></span>, which are paid when the aw<span class=\"_ _4\"></span>ards ves<span class=\"_ _4\"></span>t. DSBP aw<span class=\"_ _4\"></span>ards grant<span class=\"_ _4\"></span>ed from April 2021 to Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s are entitled to dividend equivalen<span class=\"_ _4\"></span>ts. Aw<span class=\"_ _4\"></span>ards gr<span class=\"_ _4\"></span>anted in prior year<span class=\"_ _4\"></span>s were not entitle<span class=\"_ _4\"></span>d to dividend equivalents<span class=\"_ _4\"></span>. Per<span class=\"_ _0\"></span>formance Shar<span class=\"_ _0\"></span>e Plan PSP aw<span class=\"_ _4\"></span>ards are typically made annually at the discre<span class=\"_ _4\"></span>tion of the Group Remuner<span class=\"_ _4\"></span>ation and People Committee with Executiv<span class=\"_ _4\"></span>e Directors and certain senior managers being eligible f<span class=\"_ _4\"></span>or aw<span class=\"_ _4\"></span>ards. The v<span class=\"_ _4\"></span>esting of PSP a<span class=\"_ _4\"></span>wards is det<span class=\"_ _4\"></span>ermined based on a mixture of int<span class=\"_ _4\"></span>ernal financial performance target<span class=\"_ _4\"></span>s, risk based measur<span class=\"_ _4\"></span>es, and relativ<span class=\"_ _4\"></span>e total shareholder returns (TSR) with aw<span class=\"_ _4\"></span>ards ves<span class=\"_ _4\"></span>ting in tranches up to three t<span class=\"_ _4\"></span>o seven year<span class=\"_ _4\"></span>s. The performance conditions that apply to PSP aw<span class=\"_ _4\"></span>ards from 202<span class=\"_ _4\"></span>0 are based on a combination of w<span class=\"_ _4\"></span>eighting earnings per share (EPS) at 35%, T<span class=\"_ _4\"></span>SR at 35%, risk-base<span class=\"_ _4\"></span>d at 15% and return on equity (ROE) at 15%. Prior to 202<span class=\"_ _4\"></span>0, PSP aw<span class=\"_ _4\"></span>ards w<span class=\"_ _4\"></span>ere based on a combination weigh<span class=\"_ _4\"></span>ting of EPS at 40%, T<span class=\"_ _4\"></span>SR at 40% and ROE at 20%. The PSP conditions are assessed independently. The EPS element assesses the EPS gro<span class=\"_ _4\"></span>wth rate o<span class=\"_ _4\"></span>ver the performance period. For the T<span class=\"_ _4\"></span>SR element, the performance of the Company\u2019<span class=\"_ _1\"></span>s ordinary shar<span class=\"_ _4\"></span>es is measured against the cons<span class=\"_ _4\"></span>tituents of the FTSE 250 (<span class=\"_ _4\"></span>excluding in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t trusts). The risk<span class=\"_ _4\"></span>-based measure is assessed agains<span class=\"_ _4\"></span>t the risk management performance with regar<span class=\"_ _4\"></span>d to all rele<span class=\"_ _4\"></span>vant risk<span class=\"_ _4\"></span>s. For the ROE element, performance is assessed based on the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s underlying profit after taxation as a per<span class=\"_ _4\"></span>centage of aver<span class=\"_ _4\"></span>age shareholder<span class=\"_ _4\"></span>s<span class=\"_ _4\"></span>\u2019 equity.<span class=\"_ _311\"> </span>The share-based payment e<span class=\"_ _4\"></span>xpense during the year comprised the follo<span class=\"_ _4\"></span>wing: <table class=\"s w259 hc3\" id=\"_92b55bb7-7e25-47c1-a957-28077872792b\"><tr><td></td><td class=\"t m0 x288 h2e y43ac ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y43ac ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y43ad ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43ad ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 w265 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Sharesav<span class=\"_ _4\"></span>e Scheme<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f2 y4351 w266 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f3 y4266 wd9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w267 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d Share Bonus Plan<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f4 y431a w1f2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f5 y431b w268 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w269 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Performance Share Plan<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f6 y4321 w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f7 y426b w26b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ed y431e w25d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ee y426d w25e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table>Mov<span class=\"_ _4\"></span>ements in the number of share a<span class=\"_ _4\"></span>wards and their w<span class=\"_ _4\"></span>eighted av<span class=\"_ _4\"></span>erage ex<span class=\"_ _4\"></span>ercise prices are set out below:<span class=\"_ _311\"> </span><table class=\"s w26c hc4\" id=\"_2901813b-876e-44a9-975a-469fe586c7d7\"><tr><td></td><td></td><td></td><td class=\"t m0 x4f8 h2e y43ae ff1 fs16 fc6 sc0 ls1 ws0\">Deferred Share </td><td class=\"t m0 x4f9 h2e y43ae ff1 fs16 fc6 sc0 ls1 ws0\">Performance  </td></tr><tr><td></td><td></td><td class=\"t m0 x4fa h2e y43af ff1 fs16 fc6 sc0 ls1 ws0\">Sharesave Scheme </td><td class=\"t m0 x4fb h2e y43af ff1 fs16 fc6 sc0 ls1 ws0\">Bonus Plan </td><td class=\"t m0 x4fc h2e y43af ff1 fs16 fc6 sc0 ls1 ws0\">Share Plan<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4fd h2e y43b0 ff1 fs16 fc6 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted average </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x4fe h2e y43b1 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></td><td class=\"c n x4ff y43b2 w26d hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">exer<span class=\"_ _4\"></span>cise pric<span class=\"_ _0\"></span>e, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x500 y43b2 w26e hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></div></td><td class=\"c n x501 y43b2 w26f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b3 w270 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 202<span class=\"_ _4\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x502 y43b4 w271 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x503 y43b4 w272 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.08<span class=\"_ _311\"> </span></div></td><td class=\"c n x504 y43b4 w273 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">7<span class=\"_ _4\"></span>63,390<span class=\"_ _311\"> </span></div></td><td class=\"c n x505 y43b4 w274 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">5<span class=\"_ _0\"></span>,391,269<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b5 w275 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>ted<span class=\"_ _311\"> </span></div></td><td class=\"c n x506 y43b6 w276 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,851,510<span class=\"_ _311\"> </span></div></td><td class=\"c n x507 y43b6 w277 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>.72<span class=\"_ _311\"> </span></div></td><td class=\"c n x508 y43b6 w278 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">652,<span class=\"_ _0\"></span>227<span class=\"_ _311\"> </span></div></td><td class=\"c n x509 y43b6 w279 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,381,50<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b7 w27a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cised/<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>este<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x50a y43b8 w27b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">(<span class=\"_ _2\"></span>72<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x50b y43b8 w27c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>.31<span class=\"_ _311\"> </span></div></td><td class=\"c n x50c y43b8 w27d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>51<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,5<span class=\"_ _0\"></span>24)<span class=\"_ _311\"> </span></div></td><td class=\"c n x50d y43b8 w27e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">(<span class=\"_ _0\"></span>568<span class=\"_ _0\"></span>,782)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b9 w27f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Forfeited<span class=\"_ _311\"> </span></div></td><td class=\"c n x50e y43ba w280 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x50f y43ba w281 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x510 y43ba w282 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11d ws130\">(<span class=\"_ _0\"></span>1,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x511 y43ba w283 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">(<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>56,719)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43bb w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x512 y43bb w284 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">2,801,58<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x513 y43bb w285 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x514 y43bb w286 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">89<span class=\"_ _0\"></span>5,<span class=\"_ _4\"></span>162<span class=\"_ _311\"> </span></div></td><td class=\"c n x515 y43bb w287 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">6<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y43bc ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cisable at:<span class=\"_ _42\"> </span><span class=\"ff1\"> <span class=\"_ _144\"> </span> <span class=\"_ _1d2\"> </span> <span class=\"_ _1d2\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y43bd w288 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">31 Dec<span class=\"_ _0\"></span>ember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x516 y43bd w289 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">200,6<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x517 y43bd w28a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2.31<span class=\"_ _311\"> </span></div></td><td class=\"c n x518 y43be wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x519 y43be wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x51a y4391 w28b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>1,<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>60<span class=\"_ _311\"> </span></div></td><td class=\"c n x51b y4391 w28c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.6<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x51c y4391 w28d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">7<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x51d y4391 w28e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">5,2<span class=\"_ _0\"></span>25,<span class=\"_ _4\"></span>0<span class=\"_ _0\"></span>80<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w275 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>ted<span class=\"_ _311\"> </span></div></td><td class=\"c n x51e y432f w28f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">596,<span class=\"_ _0\"></span>692<span class=\"_ _311\"> </span></div></td><td class=\"c n x51f y432f w290 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x520 y432f w291 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">47<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x521 y432f w292 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,76<span class=\"_ _4\"></span>1,174<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w27a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cised/<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>este<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x522 y4331 w293 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">(624<span class=\"_ _4\"></span>,<span class=\"_ _0\"></span>664<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x523 y4331 w294 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.67<span class=\"_ _311\"> </span></div></td><td class=\"c n x524 y4331 w295 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">(511<span class=\"_ _0\"></span>,03<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x525 y4331 w296 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(1,<span class=\"_ _4\"></span>18<span class=\"_ _0\"></span>1,<span class=\"_ _1\"></span>9<span class=\"_ _0\"></span>49)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w27f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Forfeited<span class=\"_ _311\"> </span></div></td><td class=\"c n x526 y4271 w297 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(245<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>31<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x527 y4271 w298 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>82<span class=\"_ _311\"> </span></div></td><td class=\"c n x528 y4271 w299 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(1,59<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x529 y4271 w29a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">(<span class=\"_ _0\"></span>41<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x52a y4268 w29b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>47<span class=\"_ _1\"></span>,9<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x52b y4268 w29c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3.08<span class=\"_ _311\"> </span></div></td><td class=\"c n x52c y4268 w29d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls97 ws6f\">7<span class=\"_ _4\"></span>63,390<span class=\"_ _311\"> </span></div></td><td class=\"c n x52d y4268 w29e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls97 ws6f\">5,391,269<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y43bf ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cisable at:<span class=\"_ _42\"> </span> <span class=\"_ _19d\"> </span> <span class=\"_ _1d2\"> </span> <span class=\"_ _1d2\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w29f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x52e y426d w2a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">35,0<span class=\"_ _0\"></span>15<span class=\"_ _311\"> </span></div></td><td class=\"c n x52f y426d w2a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.85<span class=\"_ _311\"> </span></div></td><td class=\"c n x530 y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x531 y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table>For the share-based aw<span class=\"_ _4\"></span>ards gr<span class=\"_ _4\"></span>anted during the year<span class=\"_ _1\"></span>, the weigh<span class=\"_ _4\"></span>ted average gr<span class=\"_ _4\"></span>ant date fair value w<span class=\"_ _4\"></span>as 275 pence (2022: 39<span class=\"_ _4\"></span>6 pence). The range o<span class=\"_ _4\"></span>f exercise prices and w<span class=\"_ _4\"></span>eighted aver<span class=\"_ _4\"></span>age remaining contr<span class=\"_ _4\"></span>actual life of outs<span class=\"_ _4\"></span>tanding aw<span class=\"_ _4\"></span>ards are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span><table class=\"s w2a3 hc5\" id=\"_fc131bcf-5dfe-4b36-af0e-ebe549df8263\"><tr><td></td><td></td><td class=\"c n x532 y43c0 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x533 y43c0 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x534 h2e y43c1 ff1 fs16 fc6 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted </td><td></td><td class=\"t m0 x535 h2b y43c2 ff2 fs16 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted  </td></tr><tr><td></td><td></td><td class=\"t m0 x536 h2e y43c3 ff1 fs16 fc6 sc0 ls1 ws0\">average </td><td></td><td class=\"t m0 x537 h2b y43c4 ff2 fs16 fc5 sc0 ls1 ws0\">average  </td></tr><tr><td></td><td></td><td class=\"t m0 x538 h2e y43c5 ff1 fs16 fc6 sc0 ls1 ws0\">remaining </td><td></td><td class=\"t m0 x427 h2b y43c6 ff2 fs16 fc5 sc0 ls1 ws0\">remaining </td></tr><tr><td></td><td></td><td class=\"t m0 x539 h2e y43c7 ff1 fs16 fc6 sc0 ls1 ws0\">contractual life </td><td></td><td class=\"t m0 x53a h2b y43c8 ff2 fs16 fc5 sc0 ls1 ws0\">contractual life </td></tr><tr><td class=\"t m0 x28f h2e y43c9 ff1 fs16 fc6 sc0 ls1 ws0\">Exercise price<span class=\"_ _311\"> </span></td><td class=\"t m0 x53b h2e y43c9 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></td><td class=\"c n x53c y43ca w2a5 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">(years)<span class=\"_ _311\"> </span></div></td><td class=\"c n x53d y43ca w2a6 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></div></td><td class=\"t m0 x53e h2b y43cb ff2 fs16 fc5 sc0 ls1 ws0\">(years)<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y43cc ff1 fs3 fc5 sc0 ls1 ws0\">Sharesave Scheme<span class=\"_ _b6\"> </span> <span class=\"_ _21c\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y43cd ff4 fs3 fc5 sc0 ls1 ws0\">229 \u2013 429 pence  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y432f w2a7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(2022: 229 \u2013 4<span class=\"_ _4\"></span>29 pence)<span class=\"_ _311\"> </span></div></td><td class=\"c n x53f y43ce w284 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">2,801,58<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x540 y43ce w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x541 y432f w2a9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>47<span class=\"_ _4\"></span>,9<span class=\"_ _0\"></span>72<span class=\"_ _311\"> </span></div></td><td class=\"c n x542 y432f w2aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y43cf ff1 fs3 fc5 sc0 ls1 ws0\">Deferred Share Bonus Plan<span class=\"_ _c6\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w2ab ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Nil<span class=\"_ _311\"> </span></div></td><td class=\"c n x543 y4351 w2ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">895,162<span class=\"_ _311\"> </span></div></td><td class=\"c n x544 y4351 w2ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x545 y4266 w2ae ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls97 ws6f\">7<span class=\"_ _1\"></span>63,390<span class=\"_ _311\"> </span></div></td><td class=\"c n x546 y4266 w2af ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y43d0 ff1 fs3 fc5 sc0 ls1 ws0\">Performance Share Plan<span class=\"_ _269\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w2ab ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Nil<span class=\"_ _311\"> </span></div></td><td class=\"c n x547 y4321 w2b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">6<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x548 y4321 w2b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">2<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x549 y426b w2b2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls97 ws6f\">5,391,26<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y426b w21c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x54a y431e w2b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls42 ws81\">10,444,017<span class=\"_ _311\"> </span></div></td><td class=\"c n x54b y431e w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x54c y426d w2b4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls2e wsa1\">8,302,631<span class=\"_ _311\"> </span></div></td><td class=\"c n x54d y426d wd9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>Sharesave Scheme<span class=\"_ _311\"> </span><table class=\"s w2b5 hc6\" id=\"_92e63492-ec5f-4556-83c8-d2eeaab8802e\"><tr><td></td><td class=\"c n x54e y43d1 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x54f y43d1 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x550 y43d1 w2b6 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2021<span class=\"_ _311\"> </span></div></td><td class=\"c n x551 y43d1 w2b7 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls39 wscf\">2020<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x552 y43d1 w2b8 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2019<span class=\"_ _311\"> </span></div></td><td class=\"c n x553 y43d1 wab hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2018<span class=\"_ _311\"> </span></div></td><td class=\"c n x554 y43d1 w2b9 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2017<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43d2 w2ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws0\">Contractual lif<span class=\"_ _4\"></span>e, years<span class=\"_ _311\"> </span></div></td><td class=\"c n x555 y43d3 w2bb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x556 y43d2 w2bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x557 y43d2 w2bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x558 y43d2 w2bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x559 y43d2 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n x55a y43d2 w2bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x55b y43d2 w2bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n x55c y43d2 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n x55d y43d2 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w2c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws0\">Share price at issue<span class=\"_ _4\"></span>, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x55e y43ce w2c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>.40<span class=\"_ _311\"> </span></div></td><td class=\"c n x55f y432f w2c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.<span class=\"_ _0\"></span>36<span class=\"_ _311\"> </span></div></td><td class=\"c n x560 y432f w2c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">5<span class=\"_ _0\"></span>.13<span class=\"_ _311\"> </span></div></td><td class=\"c n x561 y432f w2c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">2.86<span class=\"_ _311\"> </span></div></td><td class=\"c n x562 y432f w2c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">2<span class=\"_ _4\"></span>.86<span class=\"_ _311\"> </span></div></td><td class=\"c n x563 y432f w2c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.32<span class=\"_ _311\"> </span></div></td><td class=\"c n x564 y432f w2c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.32<span class=\"_ _311\"> </span></div></td><td class=\"c n x565 y432f w2c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">4.1<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x566 y432f w2c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w2c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cise price, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x567 y4393 w277 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2.<span class=\"_ _0\"></span>72<span class=\"_ _311\"> </span></div></td><td class=\"c n x568 y4264 w290 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x569 y4264 w2ca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x56a y4264 w2cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>29<span class=\"_ _311\"> </span></div></td><td class=\"c n x56b y4264 w2cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>29<span class=\"_ _311\"> </span></div></td><td class=\"c n x56c y4264 w2cc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.65<span class=\"_ _311\"> </span></div></td><td class=\"c n x56d y4264 w2cd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>65<span class=\"_ _311\"> </span></div></td><td class=\"c n x56e y4264 w2ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.35<span class=\"_ _311\"> </span></div></td><td class=\"c n x56f y4264 w2cf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w2d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Expected v<span class=\"_ _4\"></span>olatility, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x570 y4267 w2d1 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">46.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x571 y4266 w2d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x572 y4266 w2d3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x573 y4266 w2d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x574 y4266 w2d5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x575 y4266 w2d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x576 y4266 w2d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x577 y4266 w2d7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x578 y4266 w2d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w2d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Risk<span class=\"_ _4\"></span>-free r<span class=\"_ _4\"></span>ate, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x579 y439e w2da ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x57a y431b w2db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x57b y431b w2dc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x57c y431b w46 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x57d y431b wf9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x57e y431b w195 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x57f y431b w195 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x580 y431b w2dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x581 y431b w2de ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w2df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Dividend yield, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x582 y426a w2e0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x583 y426b w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x584 y426b wd4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x585 y426b w26b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x586 y426b w26b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x587 y426b w2e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x588 y426b w2e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x589 y426b w2e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x58a y426b w2e5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">4.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w2e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws0\">Gran<span class=\"_ _4\"></span>t date fair value, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x58b y426c w2e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x58c y426d w2e8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.68<span class=\"_ _311\"> </span></div></td><td class=\"c n x58d y426d w2e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x58e y426d w2ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>22<span class=\"_ _311\"> </span></div></td><td class=\"c n x58f y426d w2eb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">1.34<span class=\"_ _311\"> </span></div></td><td class=\"c n x590 y426d w2ec ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0.9<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x591 y426d w2ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x592 y426d w2ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x593 y426d w2ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">0.70<span class=\"_ _311\"> </span></div></td></tr></table><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs395\">The Sharesav<span class=\"_ _4\"></span>e Schemes are not entitled to dividends betw<span class=\"_ _4\"></span>een the option and exercise dat<span class=\"_ _4\"></span>e. A </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs396\">Black Scholes model is used to determine the gr<span class=\"_ _4\"></span>ant date fair v<span class=\"_ _4\"></span>alue with two inputs:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs397\">\u2022 <span class=\"_ _26\"> </span>Expected volatility \u2013 from 2<span class=\"_ _4\"></span>019<span class=\"_ _1\"></span>, the expected v<span class=\"_ _4\"></span>olatility is based on the Company\u2019<span class=\"_ _1\"></span>s share </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs398\">price. Prior to this the Gr<span class=\"_ _4\"></span>oup used the FTSE 350 diver<span class=\"_ _4\"></span>sified financials volatility as insufficient </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs399\">hist<span class=\"_ _4\"></span>ory was available for the Company<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s share price.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs39a\">\u2022 <span class=\"_ _26\"> </span>Risk-<span class=\"_ _4\"></span>free rate \u2013 based on long-term Go<span class=\"_ _4\"></span>vernment bonds<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs39b\">\u2022 <span class=\"_ _26\"> </span>Dividend yield \u2013 based on the average dividend yield across e<span class=\"_ _4\"></span>xternal analyst r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ts f<span class=\"_ _4\"></span>or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs39c\">the<span class=\"_ gs27\"> </span>quarter prior to scheme gran<span class=\"_ _4\"></span>t date.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls51 wsaa gs39d\">Deferred Share Bonus Plan<span class=\"_ _311\"> </span></div><div class=\"gs39e\"><table class=\"s w2f0 hc7\" id=\"_09075b8e-5d0b-4420-b554-564d93ce2f1f\"><tr><td></td><td class=\"c n x594 y43d5 w2f1 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">2020<span class=\"_ _311\"> </span></div></td><td class=\"c n x595 y43d5 w2b8 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2019<span class=\"_ _311\"> </span></div></td><td class=\"c n x596 y43d5 w2b9 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2017<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w2f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Contractual lif<span class=\"_ _4\"></span>e, years<span class=\"_ _311\"> </span></div></td><td class=\"c n x597 y4264 we ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x598 y4264 w2bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x599 y4264 w19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w2f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mid-mark<span class=\"_ _4\"></span>et share price, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x59a y4266 w2a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.58<span class=\"_ _311\"> </span></div></td><td class=\"c n x59b y4266 w2ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x59c y4266 w2f4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.0<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w2f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Attrition r<span class=\"_ _4\"></span>ate, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x59d y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x59e y431b w2f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x59f y431b w11d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">11.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w2f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Dividend yield, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a0 y426b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a1 y426b w2f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a2 y426b w2f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w2fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>t date fair value, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a3 y426d w2fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.2<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a4 y426d w2fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.47<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a5 y426d w2fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs39f\">For aw<span class=\"_ _4\"></span>ards gran<span class=\"_ _4\"></span>ted from 2021, there ar<span class=\"_ _4\"></span>e no fur<span class=\"_ _0\"></span>ther performance or v<span class=\"_ _4\"></span>esting conditions </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a0\">attached to de<span class=\"_ _4\"></span>ferred aw<span class=\"_ _4\"></span>ards, f<span class=\"_ _4\"></span>or fur<span class=\"_ _0\"></span>ther det<span class=\"_ _4\"></span>ails see DSBP above<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a1\">For DSBP aw<span class=\"_ _4\"></span>ards where conditions e<span class=\"_ _4\"></span>xist, these schemes carry no rights t<span class=\"_ _4\"></span>o dividend equivalents </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a2\">and a Black Scholes model is used to determine the gr<span class=\"_ _4\"></span>ant date fair v<span class=\"_ _4\"></span>alue with a dividend yield </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a3\">input applied \u2013 based on the aver<span class=\"_ _4\"></span>age dividend yield across ext<span class=\"_ _4\"></span>ernal analyst reports for the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a4\">quarter prior to scheme gran<span class=\"_ _4\"></span>t date. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs3a5\">Per<span class=\"_ _0\"></span>formance Shar<span class=\"_ _0\"></span>e Plan<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a6\">Non-mark<span class=\"_ _4\"></span>et performance conditions also exist f<span class=\"_ _4\"></span>or the scheme, notably that a participant is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a7\">employed by the Company at the ves<span class=\"_ _4\"></span>ting date with good leaver e<span class=\"_ _4\"></span>xceptions, and an attrition </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a8\">rate is applie<span class=\"_ _4\"></span>d as an estimate of the actual number o<span class=\"_ _4\"></span>f awar<span class=\"_ _4\"></span>ds that will meet the related </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3a9\">conditions at the ves<span class=\"_ _4\"></span>ting date.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3aa\">The aw<span class=\"_ _4\"></span>ards are not entitle<span class=\"_ _4\"></span>d to a dividend equivalent betw<span class=\"_ _4\"></span>een grant date and v<span class=\"_ _4\"></span>esting and a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ab\">Black Scholes model is used to determine the gr<span class=\"_ _4\"></span>ant date fair v<span class=\"_ _4\"></span>alue with a dividend yield input </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ac\">applied \u2013 based on the aver<span class=\"_ _4\"></span>age dividend yield across ext<span class=\"_ _4\"></span>ernal analyst reports for the quarter </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ad\">prior to the scheme gran<span class=\"_ _4\"></span>t date. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ae\">The fair value o<span class=\"_ _4\"></span>f the por<span class=\"_ _0\"></span>tion of a<span class=\"_ _4\"></span>wards that is subject t<span class=\"_ _4\"></span>o market conditions (i.<span class=\"_ _4\"></span>e. the relativ<span class=\"_ _4\"></span>e TSR </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3af\">element of the PSP<span class=\"_ _4\"></span>) is determined at the grant dat<span class=\"_ _4\"></span>e using a Monte Carlo model.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3b0\">The inputs into the mo<span class=\"_ _4\"></span>dels are as follow<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span></div><div class=\"gs3b1\"><table class=\"s w2fe hc6\" id=\"_52f1b8b2-ed04-44f4-9dc3-be8676158054\"><tr><td></td><td class=\"c n x5a6 y43d6 w2ff hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">202<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a7 y43d6 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a8 y43d6 w300 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2021<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a9 y43d6 w301 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls39 wscf\">2020<span class=\"_ _311\"> </span></div></td><td class=\"c n x5aa y43d6 w2b8 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2019<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 w2f2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Contractual lif<span class=\"_ _4\"></span>e, years<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ab y4392 w302 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11e ws131\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ac y4391 w303 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ad y4391 w303 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ae y4391 w303 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5af y4391 w2bd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w2f3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Mid-mark<span class=\"_ _4\"></span>et share price, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b0 y4330 w304 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5.01<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b1 y432f wa6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5c ws60\">5.58<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b2 y432f w305 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">4.9<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b3 y432f w306 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1c ws1d\">2.5<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b4 y432f w307 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>.96<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w308 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Attrition r<span class=\"_ _4\"></span>ate, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b5 y43aa w309 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b6 y4264 w30a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b7 y4264 w30b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b8 y4264 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b9 y4264 w2f6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w2d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Expected v<span class=\"_ _4\"></span>olatility, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ba y4351 w30c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>5.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bb y4266 w30d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bc y4266 w30e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bd y4266 w30f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x5be y4266 w310 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w2df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Dividend yield, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bf y431a w311 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">8.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c0 y431b w312 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c1 y431b w313 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c2 y431b wf9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c3 y431b w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w314 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">V<span class=\"_ _4\"></span>esting r<span class=\"_ _4\"></span>ate \u2013 TSR %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c4 y4321 w315 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c5 y426b w316 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">32.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c6 y426b w317 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">4<span class=\"_ _0\"></span>0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c7 y426b w318 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c8 y426b w319 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w31a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>t date fair value, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c9 y431e w206 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.<span class=\"_ _4\"></span>08<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ca y426d w31b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>64<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cb y426d w31c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>26<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cc y426d w310 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">2.06<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cd y426d w2fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.47<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsce wsd6 gs698\">ii. <span class=\"_ _11\"> </span>Fair va<span class=\"_ _0\"></span>lues<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs699\">The follo<span class=\"_ _4\"></span>wing tables summarise the carrying value and estimat<span class=\"_ _4\"></span>ed fair value of financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs69a\">instrumen<span class=\"_ _4\"></span>ts not measured at fair v<span class=\"_ _4\"></span>alue in the Consolidated Statement o<span class=\"_ _4\"></span>f Financial Position: </div><div class=\"gs69b\"><table class=\"s w979 h10c\" id=\"_504ba402-00be-4bc6-9818-94addfbf09f7\"><tr><td></td><td></td><td class=\"c n x1050 y485b w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1051 y485b w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xab9 h2e y485c ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x66c h2e y485d ff1 fs16 fc6 sc0 ls1 ws0\">Estimated  </td><td class=\"t m0 xbd7 h2b y485e ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x427 h2b y485f ff2 fs16 fc5 sc0 ls1 ws0\">Estimated  </td></tr><tr><td></td><td class=\"t m0 x53b h2e y4860 ff1 fs16 fc6 sc0 ls1 ws0\"> value<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y4861 ff1 fs16 fc6 sc0 ls1 ws0\">fair value</td><td class=\"t m0 xa31 h2b y4862 ff2 fs16 fc5 sc0 ls1 ws0\"> value<span class=\"_ _311\"> </span></td><td class=\"t m0 x535 h2b y4863 ff2 fs16 fc5 sc0 ls1 ws0\">fair value<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x670 h2e y4864 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4865 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2b y4866 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4867 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4868 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2db\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _146\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4869 w8b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x1052 y486a w97a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1053 y486a w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1054 y4869 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x785 y4869 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y486b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1055 y486c w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1056 y486c w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1057 y484c w63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1058 y484c w5a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y486d w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1059 y486e w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x105a y486e w97c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x105b y486d w96d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x3ee y486d w97d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">260.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y486f ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484f w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x105c y4870 w97e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">25,7<span class=\"_ _0\"></span>51.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x105d y4870 w97f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">24,900<span class=\"_ _4\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x105e y484f w4b1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">23,598.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x105f y484f w980 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">22,7<span class=\"_ _0\"></span>46<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4871 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x1060 y4872 w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1061 y4872 w982 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1062 y4873 w577 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1063 y4873 w577 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1064 y4874 w983 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">28,891<span class=\"_ _4\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1065 y4874 w984 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1066 y4852 w985 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"> </span>7,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1067 y4852 w7bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">26<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4875 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _6\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1068 y4876 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1069 y4876 w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">22,125.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x106a y4854 w987 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x106b y4854 w988 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls2e wsa1\">19<span class=\"_ _1\"></span>,693.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x106c y4877 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x106d y4877 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x106e y4855 w5bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdaa y4855 w989 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x106f y4878 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1070 y4878 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1071 y4856 w975 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1072 y4856 w8fe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x1073 y4879 w98a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1074 y4879 w9b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1075 y4857 w98b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1076 y4857 w976 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">26<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y487a ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1077 y487b w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1078 y487b w443 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1079 y487c w98d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x107a y487c w98d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4504 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x107b y4505 waf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x107c y4505 w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x107d y4504 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x107e y4504 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x107f y4506 w5eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1080 y4506 w98e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">24<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1081 y44f6 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1082 y44f6 w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1083 y4508 wb6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1084 y4508 w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">14<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1085 y4507 w5f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1086 y4507 w98f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1087 y426c w990 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1088 y426c w991 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">27<span class=\"_ _1\"></span>,<span class=\"_ _4\"></span>19<span class=\"_ _0\"></span>0.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1089 y426d w992 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _0\"></span>281<span class=\"_ _4\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x108a y426d w993 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs69c\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs69d\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs69e\">1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs69f\">2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs6a0\">The fair values in these tables ar<span class=\"_ _4\"></span>e estimated using the v<span class=\"_ _4\"></span>aluation techniques below<span class=\"_ _4\"></span>. The estimate<span class=\"_ _4\"></span>d<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs6a1\">fair value is s<span class=\"_ _4\"></span>tated as at 31 December and may be significantly differen<span class=\"_ _4\"></span>t from the amounts which </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs6a2\">will actually be paid on the maturity or settlement dates o<span class=\"_ _4\"></span>f each financial instrument. </div>Cash in h<span class=\"_ _0\"></span>and<span class=\"_ _311\"> </span>This represen<span class=\"_ _4\"></span>ts physical cash across the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s branch network wher<span class=\"_ _4\"></span>e fair value is considered to be equal to carrying v<span class=\"_ _4\"></span>alue. Loans and a<span class=\"_ _0\"></span>dvances to cr<span class=\"_ _0\"></span>edit institutions<span class=\"_ _311\"> </span>This mainly represen<span class=\"_ _4\"></span>ts the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s working capital curr<span class=\"_ _4\"></span>ent accounts and call account<span class=\"_ _4\"></span>s with centr<span class=\"_ _4\"></span>al government<span class=\"_ _4\"></span>s and other banks with an original maturity of less than thr<span class=\"_ _4\"></span>ee months. Fair value is not considered t<span class=\"_ _4\"></span>o be materially dif<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>erent to carrying value<span class=\"_ _4\"></span>. Investm<span class=\"_ _0\"></span>ent secu<span class=\"_ _0\"></span>rities<span class=\"_ _311\"> </span>Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _1\"></span>\u2019 fair values are pr<span class=\"_ _4\"></span>ovided by a third party and are based on the mark<span class=\"_ _1\"></span>et values of similar financial ins<span class=\"_ _4\"></span>truments<span class=\"_ _4\"></span>. The fair value of inv<span class=\"_ _4\"></span>estment securities held at FVTPL is measured using a discoun<span class=\"_ _4\"></span>ted cash flow model.<span class=\"_ _311\"> </span>Loans and a<span class=\"_ _0\"></span>dvances to c<span class=\"_ _0\"></span>ustomer<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span>This mainly represen<span class=\"_ _4\"></span>ts secured mortgage lending to cus<span class=\"_ _4\"></span>tomers. The f<span class=\"_ _4\"></span>air value of fixed r<span class=\"_ _4\"></span>ate mortgages has been estimated by discoun<span class=\"_ _4\"></span>ting future cash flows at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates of int<span class=\"_ _4\"></span>erest. Future cash flo<span class=\"_ _4\"></span>ws include the impact of ECL. The int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate on variable rate mortgages is considered to be equal to curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et product r<span class=\"_ _4\"></span>ates and as such fair value is estimat<span class=\"_ _4\"></span>ed to be equal to carrying value<span class=\"_ _4\"></span>. Other assets<span class=\"_ _311\"> </span>Other assets disclosed in the table abo<span class=\"_ _4\"></span>ve ex<span class=\"_ _4\"></span>clude prepayments and the fair v<span class=\"_ _4\"></span>alue is considered to be equal to carrying v<span class=\"_ _4\"></span>alue. Amount<span class=\"_ _0\"></span>s owed to retail dep<span class=\"_ _0\"></span>ositors<span class=\"_ _311\"> </span>The fair value o<span class=\"_ _4\"></span>f fixed rate r<span class=\"_ _4\"></span>etail deposits has been estimat<span class=\"_ _4\"></span>ed by discounting future cash flo<span class=\"_ _4\"></span>ws at current mark<span class=\"_ _1\"></span>et rates of in<span class=\"_ _4\"></span>terest. R<span class=\"_ _4\"></span>etail deposits at variable r<span class=\"_ _4\"></span>ates and deposits payable on demand are considered t<span class=\"_ _4\"></span>o be at current mark<span class=\"_ _4\"></span>et rates and as such f<span class=\"_ _4\"></span>air value is estimate<span class=\"_ _4\"></span>d to be equal to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Amount<span class=\"_ _0\"></span>s owed to credit ins<span class=\"_ _0\"></span>titutions<span class=\"_ _311\"> </span>This mainly represen<span class=\"_ _4\"></span>ts amounts dr<span class=\"_ _4\"></span>awn down under the BoE TFSME, IL<span class=\"_ _3\"></span>TR and commercial repos. Fair value is considere<span class=\"_ _4\"></span>d to be equal to carrying value<span class=\"_ _4\"></span>. Amount<span class=\"_ _0\"></span>s owed to other cus<span class=\"_ _0\"></span>tomers<span class=\"_ _311\"> </span>This represen<span class=\"_ _4\"></span>ts saving products to corpor<span class=\"_ _4\"></span>ations and local authorities. The fair v<span class=\"_ _4\"></span>alue of fixed rate deposit<span class=\"_ _4\"></span>s is estimated by discounting futur<span class=\"_ _4\"></span>e cash flows at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates of in<span class=\"_ _4\"></span>terest. Deposits at variable r<span class=\"_ _4\"></span>ates are considered to be at curr<span class=\"_ _4\"></span>ent mark<span class=\"_ _4\"></span>et rates and the fair v<span class=\"_ _4\"></span>alue is estimat<span class=\"_ _4\"></span>ed to be equal to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Deb<span class=\"_ _0\"></span>t securities in is<span class=\"_ _0\"></span>sue<span class=\"_ _311\"> </span>While the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s debt securities in issue are lis<span class=\"_ _4\"></span>ted, the quoted prices for an individual note may not be indicative o<span class=\"_ _4\"></span>f the fair value of the issue as a whole<span class=\"_ _4\"></span>, due to the specialised nature of the mark<span class=\"_ _1\"></span>et in such instruments and the limite<span class=\"_ _4\"></span>d number of inves<span class=\"_ _4\"></span>tors participating in it. Fair value is not considered t<span class=\"_ _4\"></span>o be materially dif<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>erent to carrying value<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Othe<span class=\"_ _0\"></span>r liabilities<span class=\"_ _311\"> </span>Other liabilities disclosed in the table abo<span class=\"_ _4\"></span>ve exclude de<span class=\"_ _4\"></span>ferred income and the fair value is considered to be equal t<span class=\"_ _4\"></span>o carrying value.<span class=\"_ _311\"> </span>Senior n<span class=\"_ _0\"></span>otes, Subordinate<span class=\"_ _0\"></span>d liabilities and PSBs<span class=\"_ _311\"> </span>The senior notes<span class=\"_ _4\"></span>, subordinated liabilities and PSBs are lis<span class=\"_ _4\"></span>ted on the L<span class=\"_ _4\"></span>ondon Stock Exchange with fair value being the quot<span class=\"_ _4\"></span>ed market price at the r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ting dat<span class=\"_ _4\"></span>e. iii. <span class=\"_ _18\"> </span>Fair value cl<span class=\"_ _0\"></span>assifi<span class=\"_ _0\"></span>cation<span class=\"_ _311\"> </span>The Group classifies fair v<span class=\"_ _4\"></span>alue measurements using a fair v<span class=\"_ _4\"></span>alue hierarchy that re<span class=\"_ _4\"></span>flects the significance of the inputs used in making the me<span class=\"_ _4\"></span>asurements<span class=\"_ _4\"></span>. The following tables pr<span class=\"_ _4\"></span>ovide an analysis of financial assets and financial liabilities measur<span class=\"_ _4\"></span>ed at fair value in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position grouped int<span class=\"_ _4\"></span>o Lev<span class=\"_ _4\"></span>els 1 to 3 based on the degree to which the f<span class=\"_ _4\"></span>air value is observable:<span class=\"_ _311\"> </span><table class=\"s w994 h10d\" id=\"_62196839-4d78-4ca7-a251-7ece7393d963\"><tr><td></td><td class=\"t m0 x66f h2e y487d ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x108b h2e y487e ff1 fs16 fc6 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x108c h2e y487f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 1 </td><td class=\"t m0 x85a h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 2 </td><td class=\"t m0 xa34 h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 3 </td><td class=\"t m0 x9d4 h2e y4880 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x28f h2e y4881 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b2 h2e y4882 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4883 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4884 ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _bb\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y4885 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4489 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x108d y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x108e y448a w996 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x108f y448a w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1090 y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1091 y448a w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1092 y448a w995 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4260 w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1093 y4262 w997 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1094 y4262 w998 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">300.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1095 y4262 w999 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1096 y4262 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1097 y4262 w329 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1098 y4262 w663 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4886 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1099 y4264 w99a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x109a y4265 w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x109b y4265 w99b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x109c y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x109d y4265 w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x109e y4265 w99c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x109f y4265 w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w4d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a0 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a1 y440b w4d7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a2 y440b w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a3 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a4 y440b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a5 y440b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10a6 y4269 w99d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">851<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a7 y4269 w99e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _2\"> </span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a8 y4269 w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10a9 y4269 w99f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">541<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10aa y4269 w9a0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ab y4269 w9a1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">8<span class=\"_ _0\"></span>51.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4887 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _209\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ac y426c w873 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ad y426c w9a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8,<span class=\"_ _4\"></span>913.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ae y426c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10af y426c w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x56e y426c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b0 y426c w9a3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w9a4 h10e\" id=\"_27546f55-44b5-4b00-a2c0-00ed7ebe88ce\"><tr><td></td><td class=\"t m0 x691 h2b y4888 ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x10b1 h2b y4889 ff2 fs16 fc5 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87f h2b y488a ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d3 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 1 </td><td class=\"t m0 xf97 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 2 </td><td class=\"t m0 x9ae h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 3 </td><td class=\"t m0 x297 h2b y488b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x278 h2b y488c ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2b y488d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y488e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y488f ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4260 w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b2 y4260 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>50.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b3 y4260 w9a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b4 y4260 w324 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1c y4260 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b5 y4260 w9a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x984 y4260 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>50.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4890 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4264 w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b6 y4264 w3c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b7 y4264 w6ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b8 y4264 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10b9 y4264 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ba y4264 w9a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bb y4264 w3c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bc y4266 w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bd y4266 w9a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15,<span class=\"_ _0\"></span>662.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10be y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10bf y4266 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c0 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c1 y4266 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10c2 y4268 w646 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,0<span class=\"_ _0\"></span>53<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c3 y4268 w9a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">15,<span class=\"_ _4\"></span>830.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c4 y4268 w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c5 y4268 w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c6 y4268 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c7 y4268 w9aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,0<span class=\"_ _0\"></span>53.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4891 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c8 y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10c9 y426d w9ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ca y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cb y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cc y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10cd y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr></table>Le<span class=\"_ _4\"></span>vel 1:<span class=\"ff4\"> Fair values that are base<span class=\"_ _4\"></span>d entirely on quoted mark<span class=\"_ _1\"></span>et prices (unadjusted) in an activ<span class=\"_ _4\"></span>ely </span>traded mark<span class=\"_ _1\"></span>et for identical assets and liabilities that the Gr<span class=\"_ _4\"></span>oup has the ability to access. V<span class=\"_ _4\"></span>aluation adjustmen<span class=\"_ _4\"></span>ts and block discounts are not applied to L<span class=\"_ _4\"></span>ev<span class=\"_ _4\"></span>el 1 instruments<span class=\"_ _4\"></span>. Since valuations are based on r<span class=\"_ _4\"></span>eadily available observable mark<span class=\"_ _4\"></span>et prices, this mak<span class=\"_ _4\"></span>es them most reliable<span class=\"_ _4\"></span>, reduces the need for management judgemen<span class=\"_ _4\"></span>t and estimation and also reduces the uncertainty associated with determining f<span class=\"_ _4\"></span>air values.  Le<span class=\"_ _4\"></span>vel 2:<span class=\"ff4\"> Fair values that are base<span class=\"_ _4\"></span>d on one or more quoted prices in mark<span class=\"_ _4\"></span>ets that are not activ<span class=\"_ _4\"></span>e </span>or for which all significant input<span class=\"_ _4\"></span>s are tak<span class=\"_ _4\"></span>en from directly or indirectly observable mark<span class=\"_ _1\"></span>et data. These include valuation models used to c<span class=\"_ _4\"></span>alculate the present value o<span class=\"_ _4\"></span>f expected future cash flows and may be employe<span class=\"_ _4\"></span>d either when no active mark<span class=\"_ _4\"></span>et exis<span class=\"_ _4\"></span>ts or when there are no quoted prices available for similar ins<span class=\"_ _4\"></span>truments in active mark<span class=\"_ _1\"></span>ets. Le<span class=\"_ _4\"></span>vel 3:<span class=\"ff4\"> Fair values for which any one or mor<span class=\"_ _4\"></span>e significant input is not based on observable </span>mark<span class=\"_ _4\"></span>et data and the unobservable inputs have a significan<span class=\"_ _4\"></span>t ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect on the instrument<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s fair value<span class=\"_ _4\"></span>. Valuation mo<span class=\"_ _4\"></span>dels that employ significant unobservable inputs require a higher degr<span class=\"_ _4\"></span>ee of management judgement and es<span class=\"_ _4\"></span>timation in determining the fair value<span class=\"_ _4\"></span>. Management judgement and estimation ar<span class=\"_ _4\"></span>e usually required for the selection o<span class=\"_ _4\"></span>f the appropriate valuation model to be used, determination of e<span class=\"_ _4\"></span>xpected future cash flo<span class=\"_ _4\"></span>ws on the financial instrument<span class=\"_ _4\"></span>s being valued, determination of the pr<span class=\"_ _4\"></span>obability of counterparty default and prepaymen<span class=\"_ _4\"></span>ts, determination o<span class=\"_ _4\"></span>f expected v<span class=\"_ _4\"></span>olatilities and correlations and the selection of appropriat<span class=\"_ _4\"></span>e discount rates<span class=\"_ _4\"></span>.<span class=\"_ gs41e\"> </span>The follo<span class=\"_ _4\"></span>wing tables provide an analysis of financial asset<span class=\"_ _4\"></span>s and financial liabilities not measured at f<span class=\"_ _4\"></span>air value in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position grouped into L<span class=\"_ _4\"></span>ev<span class=\"_ _4\"></span>els 1 to 3 based on the degr<span class=\"_ _4\"></span>ee to which the fair value is observable:<table class=\"s w43e h10f\" id=\"_7a890d8f-03cf-4cc5-bcfd-e59c983d5245\"><tr><td></td><td class=\"t m0 x965 h2e y4892 ff1 fs16 fc6 sc0 ls1 ws0\"> Carrying </td><td class=\"t m0 x8c0 h2e y4893 ff1 fs16 fc6 sc0 ls1 ws0\">Principal </td><td></td><td></td><td class=\"t m0 x10ce h2e y4894 ff1 fs16 fc6 sc0 ls1 ws0\">Estimated fair value<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x10cf h2e y4895 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x10d0 h2e y4896 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x66c h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 1 </td><td class=\"t m0 xe36 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 2 </td><td class=\"t m0 x10d1 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">Lev<span class=\"_ _4\"></span>el 3 </td><td class=\"t m0 x9d4 h2e y4897 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x28f h2e y4898 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fa h2e y4899 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fb h2e y489a ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x536 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y489b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y489c ff4 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _296\"> </span><span class=\"ff1\"> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y489d w8b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d2 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d3 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d4 y489e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d5 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d6 y489e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d7 y489e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y489f ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48a0 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d8 y48a1 w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10d9 y48a1 w9ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">2<span class=\"_ _0\"></span>,785<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10da y48a1 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9b y48a1 w9ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10db y48a1 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10dc y48a1 w97b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48a2 w83f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x10dd y48a3 w958 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x10de y48a3 w9ae ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">323<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x10df y48a3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e0 y48a3 w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e1 y48a3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e2 y48a3 w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48a4 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48a5 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e3 y48a6 w3c3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">25<span class=\"_ _0\"></span>,751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e4 y48a6 w9af ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">25,9<span class=\"_ _4\"></span>28.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e5 y48a6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e6 y48a6 w371 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e7 y48a6 w9b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"> </span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10e8 y48a6 w97f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">24,<span class=\"_ _4\"></span>900.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48a7 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x10e9 y48a8 w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ea y48a8 w9b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10eb y48a8 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ec y48a8 w2d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ed y48a8 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ec y48a8 w95d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x10ee y48a9 w9b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ef y48a9 w9b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">2<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f0 y48a9 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f1 y48a9 w9b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">5,253.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f2 y48a9 w9b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f3 y48a9 w9b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y48aa ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _2ca\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y48ab w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f4 y48ac w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f5 y48ac w9b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21,7<span class=\"_ _4\"></span>66.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f6 y48ac w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f7 y48ac w508 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,786.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f8 y48ac w9b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f9 y48ac w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">22,1<span class=\"_ _4\"></span>25.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48ad w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fa y48ae w9b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">3<span class=\"_ _0\"></span>,524.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fb y48ae w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fc y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fd y48ae w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fe y48ae w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48af w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x10ff y48b0 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1100 y48b0 w453 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8d ws91\">61<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1101 y48b0 w31e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1102 y48b0 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1103 y48b0 w586 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1104 y48b0 w9ba hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">6<span class=\"_ _0\"></span>3.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48b1 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x1105 y48b2 w9bb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1106 y48b2 w9bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x10fb y48b2 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1107 y48b2 w98a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x797 y48b2 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1108 y48b2 w9bd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48b3 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1109 y439a w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110a y439a w964 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110b y439a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x110c y439a w98c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x110d y439a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x110e y439a w964 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43a4 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x110f y48b4 waf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1110 y48b4 w9be ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">300.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1111 y48b4 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1112 y48b4 w9bf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xece y48b4 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1113 y48b4 w3cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45f2 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1114 y48b5 w9c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1115 y48b5 w9c1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>50.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1116 y48b5 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1117 y48b5 w98e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>46.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1118 y48b5 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x2a7 y48b5 w9c2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">246.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48b6 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></td><td class=\"c n x1109 y426a wb6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1119 y426a w304 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">15.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x111a y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x111b y426a w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">14<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x111c y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x111d y426a w585 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x111e y426c w9c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"> </span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x111f y426c w9c4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>6,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1120 y426c w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1121 y426c w9c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>0,7<span class=\"_ _0\"></span>88<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1122 y426c w9c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls65 ws69\">16<span class=\"_ _0\"></span>,40<span class=\"_ _0\"></span>2.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1123 y426c w9c7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">27<span class=\"_ _1\"></span>,190.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he Group h<span class=\"_ _0\"></span>as rev<span class=\"_ _0\"></span>iewed t<span class=\"_ _0\"></span>he tradi<span class=\"_ _0\"></span>ng freq<span class=\"_ _0\"></span>uency o<span class=\"_ _0\"></span>f the PS<span class=\"_ _0\"></span>Bs and de<span class=\"_ _0\"></span>termin<span class=\"_ _0\"></span>ed the<span class=\"_ _0\"></span>re is insu<span class=\"_ _0\"></span>ff<span class=\"_ _0\"></span>icient f<span class=\"_ _0\"></span>reque<span class=\"_ _0\"></span>ncy an<span class=\"_ _0\"></span>d volume to prov<span class=\"_ _0\"></span>ide pr<span class=\"_ _0\"></span>icing in<span class=\"_ _0\"></span>forma<span class=\"_ _0\"></span>tion on an o<span class=\"_ _0\"></span>ngoin<span class=\"_ _0\"></span>g basi<span class=\"_ _0\"></span>s in the mar<span class=\"_ _0\"></span>ket and ha<span class=\"_ _0\"></span>ve there<span class=\"_ _0\"></span>fore ca<span class=\"_ _0\"></span>tegor<span class=\"_ _0\"></span>ised a<span class=\"_ _0\"></span>s level 2 f<span class=\"_ _0\"></span>air value (2022: l<span class=\"_ _0\"></span>evel 1).<span class=\"_ _311\"> </span><table class=\"s w9a4 h110\" id=\"_0a52ca72-7053-4d6d-bc47-e9609f30c8dd\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x4f8 h2b y48b7 ff2 fs16 fc5 sc0 ls1 ws0\">Estimated fair v<span class=\"_ _4\"></span>alue<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x7d9 h2b y48b8 ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x1124 h2b y48b9 ff2 fs16 fc5 sc0 ls1 ws0\">Principal </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x1125 h2b y48ba ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x1126 h2b y48bb ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 1 </td><td class=\"t m0 x725 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 2 </td><td class=\"t m0 x301 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>vel 3 </td><td class=\"t m0 x297 h2b y48bc ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td class=\"t m0 x278 h2b y48bd ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x1127 h2b y48be ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74c h2b y48bf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x1128 h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y48c0 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y48c1 ff1 fs3 fc5 sc0 ls1 ws0\">Financial assets<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c2 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x1129 y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112a y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112b y48c2 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x112c y48c2 w932 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x112d y48c2 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x903 y48c2 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c3 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c4 w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x112e y48c4 w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x112f y48c4 w9c8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1130 y48c4 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1131 y48c4 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1132 y48c4 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y48c4 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48c5 w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1133 y48c5 w9c9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1134 y48c5 w515 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>62<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1135 y48c5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1136 y48c5 w8f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1137 y48c5 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1138 y48c5 w8f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c6 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48c7 w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1139 y48c7 w617 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y48c7 w9ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,646.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x113a y48c7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x113b y48c7 w9cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">2,<span class=\"_ _0\"></span>515.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x113c y48c7 w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">2<span class=\"_ _0\"></span>0,231.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x113d y48c7 w9cc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">22,7<span class=\"_ _0\"></span>46<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48c8 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n x113e y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x113f y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1140 y48c9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1141 y48c9 w52e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1142 y48c9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1143 y48c9 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1144 y48ca w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"></span>7,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1145 y48ca w9cd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">27<span class=\"_ _1\"></span>,27<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1146 y48ca wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1147 y48ca w9ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1148 y48ca w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">20,<span class=\"_ _0\"></span>231.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1149 y48ca w9cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y48cb ff1 fs3 fc5 sc0 ls1 ws0\">Financial liabilities<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y48cc w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x114a y48cc w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114b y48cc w286 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,620.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114c y48cc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x114d y48cc w5a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">5,7<span class=\"_ _0\"></span>70<span class=\"_ _4\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x114e y48cc w9d0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>,<span class=\"_ _1\"></span>922.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x114f y48cc w988 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls2e wsa1\">19<span class=\"_ _1\"></span>,693.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y48cd w86c haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1150 y48cd w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1151 y48cd w9d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">5,0<span class=\"_ _0\"></span>57<span class=\"_ _3\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x114c y48cd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x114d y48cd w9d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1152 y48cd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1153 y48cd w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y42e5 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1154 y42e5 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1155 y42e5 w9d3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>2.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1156 y42e5 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1157 y42e5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1158 y42e5 w98 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1159 y42e5 w9d4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e7 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n x115a y42e7 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x115b y42e7 w9d5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x115c y42e7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115d y42e7 w9d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x115e y42e7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115f y42e7 w9d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y48ce ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n x1160 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1161 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1162 y4266 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1163 y4266 w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1164 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1165 y4266 w9d7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">38<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1166 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b5 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1167 y431b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1168 y431b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1169 y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0d y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x116a y426b w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x116b y426b w9d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116c y426b w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116d y426b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x115e y426b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x116e y426b w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1144 y426d w9d9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _0\"></span>281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x116f y426d w9da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,<span class=\"_ _4\"></span>109<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1170 y426d w735 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1171 y426d w9db ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1172 y426d w9dc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14,<span class=\"_ _0\"></span>03<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1173 y426d w9dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-428": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs331\">6. <span class=\"_ _18\"> </span>Other operating income<span class=\"_ _311\"> </span></div><div class=\"gs332\"><table class=\"s w50 hba\" id=\"_97d0568e-5ab2-45de-829b-2a6cd0787734\"><tr><td></td><td class=\"t m0 x288 h2e y4373 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4373 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4374 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y4374 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w1ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est receive<span class=\"_ _4\"></span>d on mor<span class=\"_ _0\"></span>tgages held at FVTPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x49e y4269 w1ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x49f y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fees and commissions receivable<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y426a w1f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y426b w1f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a2 y426c w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a3 y426d w1f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">6.6</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-478": {
   "value": "6. <span class=\"_ _18\"> </span>Other operating income<span class=\"_ _311\"> </span><table class=\"s w50 hba\" id=\"_97d0568e-5ab2-45de-829b-2a6cd0787734\"><tr><td></td><td class=\"t m0 x288 h2e y4373 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4373 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4374 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y4374 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w1ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est receive<span class=\"_ _4\"></span>d on mor<span class=\"_ _0\"></span>tgages held at FVTPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x49e y4269 w1ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x49f y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fees and commissions receivable<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y426a w1f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y426b w1f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a2 y426c w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a3 y426d w1f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">6.6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-527": {
   "value": "6. <span class=\"_ _18\"> </span>Other operating income<span class=\"_ _311\"> </span><table class=\"s w50 hba\" id=\"_97d0568e-5ab2-45de-829b-2a6cd0787734\"><tr><td></td><td class=\"t m0 x288 h2e y4373 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4373 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4374 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y4374 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w1ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est receive<span class=\"_ _4\"></span>d on mor<span class=\"_ _0\"></span>tgages held at FVTPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x49e y4269 w1ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x49f y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fees and commissions receivable<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y426a w1f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y426b w1f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a2 y426c w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a3 y426d w1f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">6.6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-503": {
   "value": "6. <span class=\"_ _18\"> </span>Other operating income<span class=\"_ _311\"> </span><table class=\"s w50 hba\" id=\"_97d0568e-5ab2-45de-829b-2a6cd0787734\"><tr><td></td><td class=\"t m0 x288 h2e y4373 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4373 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4374 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y4374 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w1ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est receive<span class=\"_ _4\"></span>d on mor<span class=\"_ _0\"></span>tgages held at FVTPL<span class=\"_ _311\"> </span></div></td><td class=\"c n x49e y4269 w1ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x49f y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fees and commissions receivable<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a0 y426a w1f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y426b w1f3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4a2 y426c w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a3 y426d w1f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">6.6</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-505": {
   "value": "7<span class=\"_ _3d\"></span>. <span class=\"_ _10\"> </span>Administr<span class=\"_ _4\"></span>ative e<span class=\"_ _4\"></span>xpenses<span class=\"_ _311\"> </span><table class=\"s w16e hbc\" id=\"_eab6e32a-eecb-4a7f-9b56-34f7fd8463a6\"><tr><td></td><td class=\"t m0 x296 h2e y438b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y438b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y438c ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y438c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y438d w218 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Staff costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bb y438e w219 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">122<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bc y438d w15e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438f w21a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Facilities cost<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bd y4390 w21b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4be y438f w21c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 w21d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Mark<span class=\"_ _4\"></span>eting costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bf y4392 w21e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c0 y4391 w21f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w220 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Support costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c1 y4330 w221 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">43.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c2 y432f w222 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">3<span class=\"_ _0\"></span>1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w223 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prof<span class=\"_ _4\"></span>essional fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c3 y4393 w224 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x292 y4264 w225 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">30.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w226 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c4 y4351 w227 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c5 y4266 w228 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w229 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Depreciation (see note 2<span class=\"_ _4\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c6 y431a w22a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c7 y431b w22b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation (see note 27<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c8 y4321 w22c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c9 y426b w22d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">8.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ca y431e w22e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">234.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4cb y426d w22f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table>Included in prof<span class=\"_ _4\"></span>essional fees are amounts paid t<span class=\"_ _4\"></span>o the Company\u2019<span class=\"_ _4\"></span>s auditor as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span><table class=\"s w16e hbd\" id=\"_0b423ef7-91c2-493c-bbe7-0a0256309925\"><tr><td></td><td class=\"t m0 x296 h2e y4394 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4394 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4cc h2e y4395 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3\u2019000<span class=\"_ _311\"> </span></td><td class=\"t m0 x4cd h2b y4395 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3\u2019000<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c x254 y434a w230 hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Fees payable to the Company\u2019<span class=\"_ _1\"></span>s auditor for<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">the audit of the Company\u2019<span class=\"_ _1\"></span>s annual accounts<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ce y434b w231 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">81<span class=\"_ _311\"> </span></div></td><td class=\"c n x4cf y434a w232 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">75<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4396 w233 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Fees payable to the Company\u2019<span class=\"_ _1\"></span>s auditor for<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">the audit of the accounts o<span class=\"_ _4\"></span>f subsidiaries<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d0 y4397 w234 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">3<span class=\"_ _0\"></span>,788<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d1 y4396 w235 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,340<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w236 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal audit fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d2 y4398 w237 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">3,8<span class=\"_ _0\"></span>69<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d3 y42e5 w238 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,<span class=\"_ _4\"></span>41<span class=\"_ _4\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4399 ff4 fs3 fc5 sc0 ls1 ws0\">Audit-relate<span class=\"_ _4\"></span>d assurance services<span class=\"_ _311\"> </span></td><td class=\"c n x493 y439a w239 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">487<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d4 y439b w23a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">254<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y439c ff4 fs3 fc5 sc0 ls1 ws0\">Other assurance services<span class=\"_ _311\"> </span></td><td class=\"c n x493 y4267 w23b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">366<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d5 y4266 w23c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">259<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y439d ff4 fs3 fc5 sc0 ls1 ws0\">Other non-audit services<span class=\"_ _311\"> </span></td><td class=\"c n x4d6 y439e w23d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">42<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d7 y431b w23e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">33<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w23f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal non-audit fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d8 y439f w240 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">895<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d9 y431d w241 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">54<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w242 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal fees p<span class=\"_ _0\"></span>ayable to the Company\u2019<span class=\"_ _1\"></span>s auditor<span class=\"_ _311\"> </span></div></td><td class=\"c n x4da y426c w243 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4db y426d w244 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s revi<span class=\"_ _0\"></span>ew of inter<span class=\"_ _0\"></span>im fina<span class=\"_ _0\"></span>ncial inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion and p<span class=\"_ _0\"></span>rofit ve<span class=\"_ _0\"></span>rifi<span class=\"_ _0\"></span>catio<span class=\"_ _0\"></span>ns.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>osts c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>se ass<span class=\"_ _0\"></span>uranc<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>ws of Alte<span class=\"_ _0\"></span>rnati<span class=\"_ _0\"></span>ve Per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ance M<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>es (APM<span class=\"_ _0\"></span>s<span class=\"_ _4\"></span>), Envi<span class=\"_ _0\"></span>ronmen<span class=\"_ _0\"></span>tal, soc<span class=\"_ _0\"></span>ial and gove<span class=\"_ _0\"></span>rnanc<span class=\"_ _0\"></span>e (ESG) and Eu<span class=\"_ _0\"></span>rope<span class=\"_ _0\"></span>an Singl<span class=\"_ _0\"></span>e Elec<span class=\"_ _0\"></span>tronic F<span class=\"_ _0\"></span>ormat (<span class=\"_ _0\"></span>ESEF<span class=\"_ _0\"></span>) taggin<span class=\"_ _0\"></span>g (2022: ass<span class=\"_ _0\"></span>uranc<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>ws of APM<span class=\"_ _0\"></span>s,  ESG an<span class=\"_ _0\"></span>d ESEF tag<span class=\"_ _0\"></span>ging). 3. <span class=\"_ _38\"> </span>Co<span class=\"_ _0\"></span>sts in 2<span class=\"_ _0\"></span>023 and 202<span class=\"_ _0\"></span>2 prima<span class=\"_ _0\"></span>rily co<span class=\"_ _0\"></span>mpris<span class=\"_ _0\"></span>e work rel<span class=\"_ _0\"></span>ated to th<span class=\"_ _0\"></span>e Euro Me<span class=\"_ _0\"></span>dium T<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>rm Note (<span class=\"_ _0\"></span>EMTN) p<span class=\"_ _0\"></span>rogram<span class=\"_ _0\"></span>me.<span class=\"_ _311\"> </span>Staff costs comprise the f<span class=\"_ _4\"></span>ollowing: <table class=\"s w259 hc2\" id=\"_d1096dd7-fa24-4e40-8b9d-5d72e7c52659\"><tr><td></td><td class=\"t m0 x288 h2e y43a8 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y43a8 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y43a9 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43a9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w25a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Salaries, incen<span class=\"_ _4\"></span>tive pay and other benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x4eb y43aa w25b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">101.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ec y4264 w25c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 wf2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ed y4270 w25d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ee y4271 w25e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w25f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Social security costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ef y43ab w260 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f0 y4268 w261 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w262 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other pension costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x2b0 y4273 w263 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f1 y426b w264 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4bb y431e w219 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">122<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bc y426d w15e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>The aver<span class=\"_ _4\"></span>age number of people employed by the Group (including Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s) during the year is analysed belo<span class=\"_ _4\"></span>w. <table class=\"s w24e hbf\" id=\"_1ae96a2c-7aa6-4806-8d69-74e04d8656df\"><tr><td></td><td class=\"c n x478 y43a7 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e5 y43a7 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w251 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e6 y431a w252 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1,4<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e7 y431b w253 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>274<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e8 y4321 w255 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">811<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e9 y426b w256 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">622<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e3 y431e w257 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>272<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ea y426d w258 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">1,8<span class=\"_ _0\"></span>96<span class=\"_ _311\"> </span></div></td></tr></table>10. <span class=\"_ _0\"></span>Integration c<span class=\"_ _0\"></span>os<span class=\"_ _4\"></span>ts <table class=\"s w259 hc8\" id=\"_661ac05b-24e6-4658-88f4-ec98e993547c\"><tr><td></td><td class=\"t m0 x288 h2e y43d7 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y43d7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y43d8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43d8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w31d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Consultant fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ce y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cf y4268 w2aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w31f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Staff costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d0 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d1 y426b w320 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x5d0 y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d2 y426d w321 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table>At Combination in October 2019<span class=\"_ _3\"></span>, the Group announced a quantifie<span class=\"_ _4\"></span>d financial benefits st<span class=\"_ _4\"></span>atement for meaningful cos<span class=\"_ _4\"></span>t synergies to be achiev<span class=\"_ _4\"></span>ed by the third anniv<span class=\"_ _4\"></span>ersary of the Combination. Following the thir<span class=\"_ _4\"></span>d anniversary in October 2<span class=\"_ _4\"></span>022, the Group ceased recognising expenses as int<span class=\"_ _4\"></span>egration relate<span class=\"_ _4\"></span>d. The 2022 consultant f<span class=\"_ _4\"></span>ees related to advice on the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s future operating s<span class=\"_ _4\"></span>tructure and st<span class=\"_ _4\"></span>af<span class=\"_ _0\"></span>f costs r<span class=\"_ _4\"></span>elated to personnel who had le<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>t the Gr<span class=\"_ _4\"></span>oup through the transition of oper<span class=\"_ _4\"></span>ations to the new oper<span class=\"_ _4\"></span>ating model.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-429": {
   "value": "7<span class=\"_ _3d\"></span>. <span class=\"_ _10\"> </span>Administr<span class=\"_ _4\"></span>ative e<span class=\"_ _4\"></span>xpenses<span class=\"_ _311\"> </span><table class=\"s w16e hbc\" id=\"_eab6e32a-eecb-4a7f-9b56-34f7fd8463a6\"><tr><td></td><td class=\"t m0 x296 h2e y438b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y438b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y438c ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y438c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y438d w218 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Staff costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bb y438e w219 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">122<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bc y438d w15e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438f w21a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Facilities cost<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bd y4390 w21b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4be y438f w21c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 w21d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Mark<span class=\"_ _4\"></span>eting costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bf y4392 w21e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c0 y4391 w21f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w220 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Support costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c1 y4330 w221 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">43.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c2 y432f w222 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">3<span class=\"_ _0\"></span>1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w223 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prof<span class=\"_ _4\"></span>essional fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c3 y4393 w224 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x292 y4264 w225 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">30.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w226 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c4 y4351 w227 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c5 y4266 w228 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w229 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Depreciation (see note 2<span class=\"_ _4\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c6 y431a w22a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c7 y431b w22b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation (see note 27<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c8 y4321 w22c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c9 y426b w22d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">8.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ca y431e w22e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">234.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4cb y426d w22f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table>Included in prof<span class=\"_ _4\"></span>essional fees are amounts paid t<span class=\"_ _4\"></span>o the Company\u2019<span class=\"_ _4\"></span>s auditor as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span><table class=\"s w16e hbd\" id=\"_0b423ef7-91c2-493c-bbe7-0a0256309925\"><tr><td></td><td class=\"t m0 x296 h2e y4394 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4394 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4cc h2e y4395 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3\u2019000<span class=\"_ _311\"> </span></td><td class=\"t m0 x4cd h2b y4395 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3\u2019000<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c x254 y434a w230 hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Fees payable to the Company\u2019<span class=\"_ _1\"></span>s auditor for<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">the audit of the Company\u2019<span class=\"_ _1\"></span>s annual accounts<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ce y434b w231 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">81<span class=\"_ _311\"> </span></div></td><td class=\"c n x4cf y434a w232 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">75<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4396 w233 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Fees payable to the Company\u2019<span class=\"_ _1\"></span>s auditor for<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">the audit of the accounts o<span class=\"_ _4\"></span>f subsidiaries<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d0 y4397 w234 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">3<span class=\"_ _0\"></span>,788<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d1 y4396 w235 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,340<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w236 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal audit fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d2 y4398 w237 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">3,8<span class=\"_ _0\"></span>69<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d3 y42e5 w238 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,<span class=\"_ _4\"></span>41<span class=\"_ _4\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4399 ff4 fs3 fc5 sc0 ls1 ws0\">Audit-relate<span class=\"_ _4\"></span>d assurance services<span class=\"_ _311\"> </span></td><td class=\"c n x493 y439a w239 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">487<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d4 y439b w23a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">254<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y439c ff4 fs3 fc5 sc0 ls1 ws0\">Other assurance services<span class=\"_ _311\"> </span></td><td class=\"c n x493 y4267 w23b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">366<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d5 y4266 w23c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">259<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y439d ff4 fs3 fc5 sc0 ls1 ws0\">Other non-audit services<span class=\"_ _311\"> </span></td><td class=\"c n x4d6 y439e w23d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">42<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d7 y431b w23e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">33<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w23f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal non-audit fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d8 y439f w240 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">895<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d9 y431d w241 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">54<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w242 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal fees p<span class=\"_ _0\"></span>ayable to the Company\u2019<span class=\"_ _1\"></span>s auditor<span class=\"_ _311\"> </span></div></td><td class=\"c n x4da y426c w243 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4db y426d w244 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s revi<span class=\"_ _0\"></span>ew of inter<span class=\"_ _0\"></span>im fina<span class=\"_ _0\"></span>ncial inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion and p<span class=\"_ _0\"></span>rofit ve<span class=\"_ _0\"></span>rifi<span class=\"_ _0\"></span>catio<span class=\"_ _0\"></span>ns.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>osts c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>se ass<span class=\"_ _0\"></span>uranc<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>ws of Alte<span class=\"_ _0\"></span>rnati<span class=\"_ _0\"></span>ve Per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ance M<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>es (APM<span class=\"_ _0\"></span>s<span class=\"_ _4\"></span>), Envi<span class=\"_ _0\"></span>ronmen<span class=\"_ _0\"></span>tal, soc<span class=\"_ _0\"></span>ial and gove<span class=\"_ _0\"></span>rnanc<span class=\"_ _0\"></span>e (ESG) and Eu<span class=\"_ _0\"></span>rope<span class=\"_ _0\"></span>an Singl<span class=\"_ _0\"></span>e Elec<span class=\"_ _0\"></span>tronic F<span class=\"_ _0\"></span>ormat (<span class=\"_ _0\"></span>ESEF<span class=\"_ _0\"></span>) taggin<span class=\"_ _0\"></span>g (2022: ass<span class=\"_ _0\"></span>uranc<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>ws of APM<span class=\"_ _0\"></span>s,  ESG an<span class=\"_ _0\"></span>d ESEF tag<span class=\"_ _0\"></span>ging). 3. <span class=\"_ _38\"> </span>Co<span class=\"_ _0\"></span>sts in 2<span class=\"_ _0\"></span>023 and 202<span class=\"_ _0\"></span>2 prima<span class=\"_ _0\"></span>rily co<span class=\"_ _0\"></span>mpris<span class=\"_ _0\"></span>e work rel<span class=\"_ _0\"></span>ated to th<span class=\"_ _0\"></span>e Euro Me<span class=\"_ _0\"></span>dium T<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>rm Note (<span class=\"_ _0\"></span>EMTN) p<span class=\"_ _0\"></span>rogram<span class=\"_ _0\"></span>me.<span class=\"_ _311\"> </span>Staff costs comprise the f<span class=\"_ _4\"></span>ollowing: <table class=\"s w259 hc2\" id=\"_d1096dd7-fa24-4e40-8b9d-5d72e7c52659\"><tr><td></td><td class=\"t m0 x288 h2e y43a8 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y43a8 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y43a9 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43a9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w25a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Salaries, incen<span class=\"_ _4\"></span>tive pay and other benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x4eb y43aa w25b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">101.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ec y4264 w25c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 wf2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ed y4270 w25d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ee y4271 w25e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w25f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Social security costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ef y43ab w260 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f0 y4268 w261 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w262 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other pension costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x2b0 y4273 w263 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f1 y426b w264 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4bb y431e w219 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">122<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bc y426d w15e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>The aver<span class=\"_ _4\"></span>age number of people employed by the Group (including Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s) during the year is analysed belo<span class=\"_ _4\"></span>w. <table class=\"s w24e hbf\" id=\"_1ae96a2c-7aa6-4806-8d69-74e04d8656df\"><tr><td></td><td class=\"c n x478 y43a7 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e5 y43a7 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w251 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e6 y431a w252 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1,4<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e7 y431b w253 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>274<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e8 y4321 w255 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">811<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e9 y426b w256 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">622<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e3 y431e w257 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>272<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ea y426d w258 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">1,8<span class=\"_ _0\"></span>96<span class=\"_ _311\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-481": {
   "value": "<div class=\"gs334\"><table class=\"s w16e hbc\" id=\"_eab6e32a-eecb-4a7f-9b56-34f7fd8463a6\"><tr><td></td><td class=\"t m0 x296 h2e y438b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y438b ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y438c ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y438c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y438d w218 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Staff costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bb y438e w219 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">122<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bc y438d w15e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438f w21a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Facilities cost<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bd y4390 w21b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4be y438f w21c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 w21d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Mark<span class=\"_ _4\"></span>eting costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bf y4392 w21e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c0 y4391 w21f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w220 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Support costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c1 y4330 w221 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">43.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c2 y432f w222 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">3<span class=\"_ _0\"></span>1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w223 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prof<span class=\"_ _4\"></span>essional fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c3 y4393 w224 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x292 y4264 w225 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">30.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w226 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c4 y4351 w227 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c5 y4266 w228 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w229 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Depreciation (see note 2<span class=\"_ _4\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c6 y431a w22a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c7 y431b w22b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w1d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation (see note 27<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c8 y4321 w22c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c9 y426b w22d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">8.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ca y431e w22e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">234.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4cb y426d w22f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-480": {
   "value": "<div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs336\">Included in prof<span class=\"_ _4\"></span>essional fees are amounts paid t<span class=\"_ _4\"></span>o the Company\u2019<span class=\"_ _4\"></span>s auditor as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span></div><div class=\"gs337\"><table class=\"s w16e hbd\" id=\"_0b423ef7-91c2-493c-bbe7-0a0256309925\"><tr><td></td><td class=\"t m0 x296 h2e y4394 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4394 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4cc h2e y4395 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3\u2019000<span class=\"_ _311\"> </span></td><td class=\"t m0 x4cd h2b y4395 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3\u2019000<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c x254 y434a w230 hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Fees payable to the Company\u2019<span class=\"_ _1\"></span>s auditor for<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">the audit of the Company\u2019<span class=\"_ _1\"></span>s annual accounts<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ce y434b w231 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">81<span class=\"_ _311\"> </span></div></td><td class=\"c n x4cf y434a w232 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">75<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4396 w233 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Fees payable to the Company\u2019<span class=\"_ _1\"></span>s auditor for<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">the audit of the accounts o<span class=\"_ _4\"></span>f subsidiaries<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d0 y4397 w234 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">3<span class=\"_ _0\"></span>,788<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d1 y4396 w235 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,340<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w236 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal audit fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d2 y4398 w237 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">3,8<span class=\"_ _0\"></span>69<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d3 y42e5 w238 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,<span class=\"_ _4\"></span>41<span class=\"_ _4\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4399 ff4 fs3 fc5 sc0 ls1 ws0\">Audit-relate<span class=\"_ _4\"></span>d assurance services<span class=\"_ _311\"> </span></td><td class=\"c n x493 y439a w239 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">487<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d4 y439b w23a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">254<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y439c ff4 fs3 fc5 sc0 ls1 ws0\">Other assurance services<span class=\"_ _311\"> </span></td><td class=\"c n x493 y4267 w23b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">366<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d5 y4266 w23c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">259<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y439d ff4 fs3 fc5 sc0 ls1 ws0\">Other non-audit services<span class=\"_ _311\"> </span></td><td class=\"c n x4d6 y439e w23d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">42<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d7 y431b w23e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">33<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w23f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal non-audit fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d8 y439f w240 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">895<span class=\"_ _311\"> </span></div></td><td class=\"c n x4d9 y431d w241 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">54<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w242 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal fees p<span class=\"_ _0\"></span>ayable to the Company\u2019<span class=\"_ _1\"></span>s auditor<span class=\"_ _311\"> </span></div></td><td class=\"c n x4da y426c w243 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4db y426d w244 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs338\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs339\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs33a\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs33b\">1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>clude<span class=\"_ _0\"></span>s revi<span class=\"_ _0\"></span>ew of inter<span class=\"_ _0\"></span>im fina<span class=\"_ _0\"></span>ncial inf<span class=\"_ _0\"></span>ormat<span class=\"_ _0\"></span>ion and p<span class=\"_ _0\"></span>rofit ve<span class=\"_ _0\"></span>rifi<span class=\"_ _0\"></span>catio<span class=\"_ _0\"></span>ns.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs33c\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>osts c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>se ass<span class=\"_ _0\"></span>uranc<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>ws of Alte<span class=\"_ _0\"></span>rnati<span class=\"_ _0\"></span>ve Per<span class=\"_ _0\"></span>form<span class=\"_ _0\"></span>ance M<span class=\"_ _0\"></span>easur<span class=\"_ _0\"></span>es (APM<span class=\"_ _0\"></span>s<span class=\"_ _4\"></span>), Envi<span class=\"_ _0\"></span>ronmen<span class=\"_ _0\"></span>tal, soc<span class=\"_ _0\"></span>ial and </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs33d\">gove<span class=\"_ _0\"></span>rnanc<span class=\"_ _0\"></span>e (ESG) and Eu<span class=\"_ _0\"></span>rope<span class=\"_ _0\"></span>an Singl<span class=\"_ _0\"></span>e Elec<span class=\"_ _0\"></span>tronic F<span class=\"_ _0\"></span>ormat (<span class=\"_ _0\"></span>ESEF<span class=\"_ _0\"></span>) taggin<span class=\"_ _0\"></span>g (2022: ass<span class=\"_ _0\"></span>uranc<span class=\"_ _0\"></span>e revie<span class=\"_ _0\"></span>ws of APM<span class=\"_ _0\"></span>s,  </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs33e\">ESG an<span class=\"_ _0\"></span>d ESEF tag<span class=\"_ _0\"></span>ging). </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs33f\">3. <span class=\"_ _38\"> </span>Co<span class=\"_ _0\"></span>sts in 2<span class=\"_ _0\"></span>023 and 202<span class=\"_ _0\"></span>2 prima<span class=\"_ _0\"></span>rily co<span class=\"_ _0\"></span>mpris<span class=\"_ _0\"></span>e work rel<span class=\"_ _0\"></span>ated to th<span class=\"_ _0\"></span>e Euro Me<span class=\"_ _0\"></span>dium T<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>rm Note (<span class=\"_ _0\"></span>EMTN) p<span class=\"_ _0\"></span>rogram<span class=\"_ _0\"></span>me.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-482": {
   "value": "<div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs341\">Staff costs comprise the f<span class=\"_ _4\"></span>ollowing: </div><div class=\"gs342\"><table class=\"s w259 hc2\" id=\"_d1096dd7-fa24-4e40-8b9d-5d72e7c52659\"><tr><td></td><td class=\"t m0 x288 h2e y43a8 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y43a8 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y43a9 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43a9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w25a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Salaries, incen<span class=\"_ _4\"></span>tive pay and other benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x4eb y43aa w25b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">101.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ec y4264 w25c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 wf2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ed y4270 w25d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ee y4271 w25e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w25f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Social security costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ef y43ab w260 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f0 y4268 w261 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w262 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other pension costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x2b0 y4273 w263 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f1 y426b w264 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4bb y431e w219 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">122<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4bc y426d w15e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table></div>46. Pension <span class=\"_ _0\"></span>scheme<span class=\"_ _311\"> </span>Defined contri<span class=\"_ _4\"></span>bution scheme<span class=\"_ _311\"> </span>The amount char<span class=\"_ _4\"></span>ged to profit or loss in respect o<span class=\"_ _4\"></span>f contributions to the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s defined contribution and s<span class=\"_ _4\"></span>tak<span class=\"_ _4\"></span>eholder pension arrangements is the contribution payable in the perio<span class=\"_ _4\"></span>d. The total pension cos<span class=\"_ _4\"></span>t in the year amounted to \u00a34<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>9m (2022: \u00a34<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>4m).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-483": {
   "value": "<div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs344\">The aver<span class=\"_ _4\"></span>age number of people employed by the Group (including Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s) during </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs345\">the year is analysed belo<span class=\"_ _4\"></span>w. </div><div class=\"gs346\"><table class=\"s w24e hbf\" id=\"_1ae96a2c-7aa6-4806-8d69-74e04d8656df\"><tr><td></td><td class=\"c n x478 y43a7 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e5 y43a7 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w251 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e6 y431a w252 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1,4<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e7 y431b w253 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>274<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e8 y4321 w255 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">811<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e9 y426b w256 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">622<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e3 y431e w257 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>272<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ea y426d w258 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">1,8<span class=\"_ _0\"></span>96<span class=\"_ _311\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-430": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs348\">8. <span class=\"_ _18\"> </span>Directors<span class=\"_ _1\"></span>\u2019 emoluments and transactions<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w50 hbe\" id=\"_1aa8544f-1d4c-4419-b961-b3a2ef2abb79\"><tr><td></td><td class=\"t m0 x288 h2e y43a0 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y43a0 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x4dc h2e y43a1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3\u2019000</td><td class=\"t m0 x4dd h2b y43a1 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3\u2019000<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h16 y43a2 ff4 fs3 fc5 sc0 ls1 ws0\">Short-term employee benefits<span class=\"_ _311\"> </span></td><td class=\"c n x4de y43a3 w245 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">3,<span class=\"_ _0\"></span>207<span class=\"_ _311\"> </span></div></td><td class=\"c n x4df y43a4 w246 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,<span class=\"_ _0\"></span>21<span class=\"_ _4\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w247 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post-employmen<span class=\"_ _4\"></span>t benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e0 y431a w248 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">114<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e1 y431b w249 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y43a5 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x46e y439f w24a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls65 ws69\">1,4<span class=\"_ _0\"></span>21<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e2 y431d w24b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2,2<span class=\"_ _0\"></span>91<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e3 y426c w24c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">4<span class=\"_ _0\"></span>,742<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e4 y426d w24d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>613<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs349\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs34a\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs34b\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>S<span class=\"_ _0\"></span>hor<span class=\"_ _0\"></span>t<span class=\"_ _1\"></span>-te<span class=\"_ _0\"></span>rm empl<span class=\"_ _0\"></span>oyee b<span class=\"_ _0\"></span>enef<span class=\"_ _0\"></span>its c<span class=\"_ _0\"></span>ompri<span class=\"_ _0\"></span>se Dire<span class=\"_ _0\"></span>ctors\u2019 s<span class=\"_ _0\"></span>alary c<span class=\"_ _0\"></span>ost<span class=\"_ _0\"></span>s, Non-E<span class=\"_ _0\"></span>xecu<span class=\"_ _0\"></span>tive Dir<span class=\"_ _0\"></span>ector<span class=\"_ _0\"></span>s\u2019 fee<span class=\"_ _0\"></span>s and othe<span class=\"_ _0\"></span>r shor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>-term </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs34c\">inc<span class=\"_ _0\"></span>entiv<span class=\"_ _0\"></span>e bene<span class=\"_ _0\"></span>fits<span class=\"_ _0\"></span>, which ar<span class=\"_ _0\"></span>e discl<span class=\"_ _0\"></span>osed i<span class=\"_ _0\"></span>n the Annu<span class=\"_ _0\"></span>al Rep<span class=\"_ _0\"></span>ort o<span class=\"_ _0\"></span>n Remun<span class=\"_ _0\"></span>eratio<span class=\"_ _0\"></span>n. </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs34d\">2. <span class=\"_ _38\"> </span>Sh<span class=\"_ _0\"></span>are-ba<span class=\"_ _0\"></span>sed pa<span class=\"_ _0\"></span>yment<span class=\"_ _0\"></span>s repre<span class=\"_ _0\"></span>sent th<span class=\"_ _0\"></span>e amount<span class=\"_ _0\"></span>s rece<span class=\"_ _0\"></span>ived b<span class=\"_ _0\"></span>y Dire<span class=\"_ _0\"></span>ctors fo<span class=\"_ _0\"></span>r sche<span class=\"_ _0\"></span>mes th<span class=\"_ _0\"></span>at vest<span class=\"_ _0\"></span>ed durin<span class=\"_ _0\"></span>g the ye<span class=\"_ _0\"></span>ar<span class=\"_ _1\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs34e\">In addition to the total Dir<span class=\"_ _4\"></span>ectors<span class=\"_ _1\"></span>\u2019 emoluments abov<span class=\"_ _4\"></span>e, the Executiv<span class=\"_ _4\"></span>e Directors w<span class=\"_ _4\"></span>ere gr<span class=\"_ _4\"></span>anted </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs34f\">deferr<span class=\"_ _4\"></span>ed bonuses of \u00a3642k (2<span class=\"_ _4\"></span>022: \u00a3642k) in the form o<span class=\"_ _4\"></span>f shares. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs350\">The Executiv<span class=\"_ _4\"></span>e Directors r<span class=\"_ _4\"></span>eceived a further share awar<span class=\"_ _4\"></span>d under the Performance Share Plan </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs351\">(PSP) with a gr<span class=\"_ _4\"></span>ant date fair value of \u00a31,<span class=\"_ _4\"></span>592k (2<span class=\"_ _4\"></span>022: \u00a31,516k<span class=\"_ _4\"></span>) using a share price of \u00a34<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>98 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs352\">(2022:<span class=\"_ gs27\"> </span>\u00a35<span class=\"_ _4\"></span>.58) (the mid-mark<span class=\"_ _1\"></span>et quotation on the day preceding the date of gr<span class=\"_ _4\"></span>ant). These shares </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs353\">ves<span class=\"_ _4\"></span>t annually from year three in tr<span class=\"_ _4\"></span>anches of 20 per cent, subject to performance conditions </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs354\">discussed in note 9 and the Annual Report on Remuner<span class=\"_ _4\"></span>ation. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs356\">The Director<span class=\"_ _4\"></span>s of the Company are employed and compensated by OneSavings Bank plc<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs357\">No compensation was paid f<span class=\"_ _4\"></span>or loss of offic<span class=\"_ _0\"></span>e during 2<span class=\"_ _4\"></span>023 and 2022.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs358\">There w<span class=\"_ _4\"></span>ere no outst<span class=\"_ _4\"></span>anding loans granted in the or<span class=\"_ _4\"></span>dinary course of business t<span class=\"_ _4\"></span>o Directors and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs359\">their connected persons as at 3<span class=\"_ _4\"></span>1 December 2023 and 2022.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs35a\">The Annual Report on Remuneration and no<span class=\"_ _4\"></span>te 9 Share-based payments pr<span class=\"_ _4\"></span>ovide further details </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs35b\">on Director<span class=\"_ _4\"></span>s<span class=\"_ _4\"></span>\u2019 emoluments<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs727\">51. <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ransactions with k<span class=\"_ _1\"></span>ey management personnel<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs728\">All related party transac<span class=\"_ _4\"></span>tions were made on terms equiv<span class=\"_ _4\"></span>alent to those that pre<span class=\"_ _4\"></span>vail in arm<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs729\">length transactions<span class=\"_ _4\"></span>. During the year<span class=\"_ _1\"></span>, there were no r<span class=\"_ _4\"></span>elated party transactions between the k<span class=\"_ _1\"></span>ey </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs72a\">management per<span class=\"_ _4\"></span>sonnel and the Group other than as described below<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs72b\">The Director<span class=\"_ _4\"></span>s and Group Executiv<span class=\"_ _4\"></span>e team are considered to be k<span class=\"_ _1\"></span>ey management personnel.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs72c\">Director<span class=\"_ _4\"></span>s<span class=\"_ _4\"></span>\u2019 remuneration is disclosed in no<span class=\"_ _4\"></span>te 8 and in the Directors<span class=\"_ _1\"></span>\u2019 Remuner<span class=\"_ _4\"></span>ation Report on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs72d\">page 147<span class=\"_ _3\"></span>. The Group E<span class=\"_ _4\"></span>xecutive team ar<span class=\"_ _4\"></span>e all employees of OSB, the table belo<span class=\"_ _4\"></span>w shows their </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs72e\">aggregate r<span class=\"_ _4\"></span>emuneration:<span class=\"_ _311\"> </span></div><div class=\"gs72f\"><table class=\"s w50 hfc\" id=\"_f05fe1e9-518c-4f11-b30e-3cf80504e617\"><tr><td></td><td class=\"t m0 x288 h2e y4958 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y4958 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x1285 h2e y4959 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3\u2019000</td><td class=\"t m0 x4dd h2b y4959 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3\u2019000<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 wabd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Short-term employee benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x1286 y4333 w789 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">4,4<span class=\"_ _0\"></span>51<span class=\"_ _311\"> </span></div></td><td class=\"c n x1287 y4271 wabe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls110 ws11c\">4,<span class=\"_ _1\"></span>000<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w247 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post-employmen<span class=\"_ _4\"></span>t benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x1288 y4334 wabf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _311\"> </span></div></td><td class=\"c n x1289 y4268 wac0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">62<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b wf2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xc21 y4321 w201 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,29<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x128a y426b wac1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>667<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x128b y431e wac2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,804<span class=\"_ _311\"> </span></div></td><td class=\"c n x128c y426d wac3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">6,<span class=\"_ _0\"></span>729<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs730\">Key managemen<span class=\"_ _4\"></span>t personnel and connected per<span class=\"_ _4\"></span>sons held deposits with the Group of \u00a32.3m </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs731\">(2022: \u00a32.<span class=\"_ _1\"></span>1m).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-431": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs35d\">9<span class=\"_ _3\"></span>. <span class=\"_ _182\"> </span>Share-based payments<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs35e\">The share-based e<span class=\"_ _4\"></span>xpense for the year includes a charge in respect o<span class=\"_ _4\"></span>f the Sharesave </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs35f\">Scheme, DSBP and PSP<span class=\"_ _3\"></span>. All charges are included in employee expenses within no<span class=\"_ _4\"></span>te 7 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws10a gs360\">Administr<span class=\"_ _4\"></span>ative<span class=\"_ gs27\"> </span>expenses<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs361\">A summary of the share-based schemes oper<span class=\"_ _4\"></span>ated by the Group is set out belo<span class=\"_ _4\"></span>w<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs362\">Sharesave Scheme<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs363\">Sharesav<span class=\"_ _4\"></span>e Scheme is a share option scheme which is available to all UK-base<span class=\"_ _4\"></span>d employees. The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs364\">Sharesav<span class=\"_ _4\"></span>e Scheme allows employees to purchase options by saving a fix<span class=\"_ _4\"></span>ed amount of betw<span class=\"_ _4\"></span>een </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs365\">\u00a310 and \u00a3500 per month ov<span class=\"_ _4\"></span>er a period of three year<span class=\"_ _4\"></span>s at the end of which the options, subject </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs366\">to leav<span class=\"_ _4\"></span>er provisions<span class=\"_ _4\"></span>, are usually exer<span class=\"_ _4\"></span>cisable. If not ex<span class=\"_ _4\"></span>ercised, the amount saved is r<span class=\"_ _4\"></span>eturned to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs367\">the employee. The Shar<span class=\"_ _4\"></span>esave Scheme has been in operation since 2014 and an in<span class=\"_ _4\"></span>vitation to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs368\">join the scheme is usually extended annually, with the op<span class=\"_ _4\"></span>tion price calculated using the mid-<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws55 gs369\">mark<span class=\"_ _4\"></span>et price of an OSBG or<span class=\"_ _4\"></span>dinary share ov<span class=\"_ _4\"></span>er the three dealing days prior to the Invitation Dat<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs36a\">and applying a discount of 2<span class=\"_ _4\"></span>0%.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs36b\">Def<span class=\"_ _0\"></span>erred Sh<span class=\"_ _0\"></span>are Bonus Pl<span class=\"_ _0\"></span>an </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs36c\">DSBP aw<span class=\"_ _4\"></span>ards are gr<span class=\"_ _4\"></span>anted to Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s and cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain senior managers to allow a portion </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs36d\">of their performance bonuses to be def<span class=\"_ _4\"></span>erred in shares for up t<span class=\"_ _4\"></span>o three to seven ye<span class=\"_ _4\"></span>ars for Executiv<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs36e\">Director<span class=\"_ _4\"></span>s and typically one year for senior managers<span class=\"_ _4\"></span>. There are no further performance </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs36f\">or ves<span class=\"_ _4\"></span>ting conditions attached to deferr<span class=\"_ _4\"></span>ed awar<span class=\"_ _4\"></span>ds for senior managers<span class=\"_ _4\"></span>, which also applies </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs370\">to Executiv<span class=\"_ _4\"></span>e Directors f<span class=\"_ _4\"></span>or awar<span class=\"_ _4\"></span>ds grante<span class=\"_ _4\"></span>d from April 2021. The share aw<span class=\"_ _4\"></span>ards are subject t<span class=\"_ _4\"></span>o<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs371\">clawback pro<span class=\"_ _4\"></span>visions. The DSBP a<span class=\"_ _4\"></span>wards ar<span class=\"_ _4\"></span>e expensed in the year services are received with a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs372\">corresponding increase in e<span class=\"_ _4\"></span>quity. Awar<span class=\"_ _4\"></span>ds granted t<span class=\"_ _4\"></span>o Executive Direct<span class=\"_ _4\"></span>ors in March 202<span class=\"_ _4\"></span>0 and prior<span class=\"_ _4\"></span>, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs373\">are subject to v<span class=\"_ _4\"></span>esting conditions and are e<span class=\"_ _4\"></span>xpensed over the v<span class=\"_ _4\"></span>esting period. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs374\">DSBP aw<span class=\"_ _4\"></span>ards for senior manager<span class=\"_ _4\"></span>s carry entitlements to dividend e<span class=\"_ _4\"></span>quivalents<span class=\"_ _4\"></span>, which are paid </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs375\">when the aw<span class=\"_ _4\"></span>ards ves<span class=\"_ _4\"></span>t. DSBP aw<span class=\"_ _4\"></span>ards grant<span class=\"_ _4\"></span>ed from April 2021 to Ex<span class=\"_ _4\"></span>ecutive Director<span class=\"_ _4\"></span>s are entitled </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws55 gs376\">to dividend equivalen<span class=\"_ _4\"></span>ts. Aw<span class=\"_ _4\"></span>ards gr<span class=\"_ _4\"></span>anted in prior year<span class=\"_ _4\"></span>s were not entitle<span class=\"_ _4\"></span>d to dividend equivalents<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs377\">Per<span class=\"_ _0\"></span>formance Shar<span class=\"_ _0\"></span>e Plan </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs378\">PSP aw<span class=\"_ _4\"></span>ards are typically made annually at the discre<span class=\"_ _4\"></span>tion of the Group Remuner<span class=\"_ _4\"></span>ation and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs379\">People Committee with Executiv<span class=\"_ _4\"></span>e Directors and certain senior managers being eligible f<span class=\"_ _4\"></span>or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs37a\">aw<span class=\"_ _4\"></span>ards. The v<span class=\"_ _4\"></span>esting of PSP a<span class=\"_ _4\"></span>wards is det<span class=\"_ _4\"></span>ermined based on a mixture of int<span class=\"_ _4\"></span>ernal financial </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs37b\">performance target<span class=\"_ _4\"></span>s, risk based measur<span class=\"_ _4\"></span>es, and relativ<span class=\"_ _4\"></span>e total shareholder returns (TSR) with </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs37c\">aw<span class=\"_ _4\"></span>ards ves<span class=\"_ _4\"></span>ting in tranches up to three t<span class=\"_ _4\"></span>o seven year<span class=\"_ _4\"></span>s. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs37d\">The performance conditions that apply to PSP aw<span class=\"_ _4\"></span>ards from 202<span class=\"_ _4\"></span>0 are based on a combination </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs37e\">of w<span class=\"_ _4\"></span>eighting earnings per share (EPS) at 35%, T<span class=\"_ _4\"></span>SR at 35%, risk-base<span class=\"_ _4\"></span>d at 15% and return on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs37f\">equity (ROE) at 15%. Prior to 202<span class=\"_ _4\"></span>0, PSP aw<span class=\"_ _4\"></span>ards w<span class=\"_ _4\"></span>ere based on a combination weigh<span class=\"_ _4\"></span>ting of EPS </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs380\">at 40%, T<span class=\"_ _4\"></span>SR at 40% and ROE at 20%. The PSP conditions are assessed independently. The EPS </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs381\">element assesses the EPS gro<span class=\"_ _4\"></span>wth rate o<span class=\"_ _4\"></span>ver the performance period. For the T<span class=\"_ _4\"></span>SR element, the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs382\">performance of the Company\u2019<span class=\"_ _1\"></span>s ordinary shar<span class=\"_ _4\"></span>es is measured against the cons<span class=\"_ _4\"></span>tituents of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs383\">FTSE 250 (<span class=\"_ _4\"></span>excluding in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t trusts). The risk<span class=\"_ _4\"></span>-based measure is assessed agains<span class=\"_ _4\"></span>t the risk </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs384\">management performance with regar<span class=\"_ _4\"></span>d to all rele<span class=\"_ _4\"></span>vant risk<span class=\"_ _4\"></span>s. For the ROE element, performance </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs385\">is assessed based on the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s underlying profit after taxation as a per<span class=\"_ _4\"></span>centage of aver<span class=\"_ _4\"></span>age </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs386\">shareholder<span class=\"_ _4\"></span>s<span class=\"_ _4\"></span>\u2019 equity.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs387\">The share-based payment e<span class=\"_ _4\"></span>xpense during the year comprised the follo<span class=\"_ _4\"></span>wing: </div><div class=\"gs388\"><table class=\"s w259 hc3\" id=\"_92b55bb7-7e25-47c1-a957-28077872792b\"><tr><td></td><td class=\"t m0 x288 h2e y43ac ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y43ac ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y43ad ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43ad ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 w265 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Sharesav<span class=\"_ _4\"></span>e Scheme<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f2 y4351 w266 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f3 y4266 wd9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w267 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d Share Bonus Plan<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f4 y431a w1f2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f5 y431b w268 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w269 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Performance Share Plan<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f6 y4321 w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f7 y426b w26b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ed y431e w25d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ee y426d w25e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs38a\">Mov<span class=\"_ _4\"></span>ements in the number of share a<span class=\"_ _4\"></span>wards and their w<span class=\"_ _4\"></span>eighted av<span class=\"_ _4\"></span>erage ex<span class=\"_ _4\"></span>ercise prices are set </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs38b\">out below:<span class=\"_ _311\"> </span></div><div class=\"gs38c\"><table class=\"s w26c hc4\" id=\"_2901813b-876e-44a9-975a-469fe586c7d7\"><tr><td></td><td></td><td></td><td class=\"t m0 x4f8 h2e y43ae ff1 fs16 fc6 sc0 ls1 ws0\">Deferred Share </td><td class=\"t m0 x4f9 h2e y43ae ff1 fs16 fc6 sc0 ls1 ws0\">Performance  </td></tr><tr><td></td><td></td><td class=\"t m0 x4fa h2e y43af ff1 fs16 fc6 sc0 ls1 ws0\">Sharesave Scheme </td><td class=\"t m0 x4fb h2e y43af ff1 fs16 fc6 sc0 ls1 ws0\">Bonus Plan </td><td class=\"t m0 x4fc h2e y43af ff1 fs16 fc6 sc0 ls1 ws0\">Share Plan<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x4fd h2e y43b0 ff1 fs16 fc6 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted average </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x4fe h2e y43b1 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></td><td class=\"c n x4ff y43b2 w26d hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">exer<span class=\"_ _4\"></span>cise pric<span class=\"_ _0\"></span>e, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x500 y43b2 w26e hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></div></td><td class=\"c n x501 y43b2 w26f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b3 w270 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 202<span class=\"_ _4\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x502 y43b4 w271 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x503 y43b4 w272 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.08<span class=\"_ _311\"> </span></div></td><td class=\"c n x504 y43b4 w273 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">7<span class=\"_ _4\"></span>63,390<span class=\"_ _311\"> </span></div></td><td class=\"c n x505 y43b4 w274 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">5<span class=\"_ _0\"></span>,391,269<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b5 w275 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>ted<span class=\"_ _311\"> </span></div></td><td class=\"c n x506 y43b6 w276 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,851,510<span class=\"_ _311\"> </span></div></td><td class=\"c n x507 y43b6 w277 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>.72<span class=\"_ _311\"> </span></div></td><td class=\"c n x508 y43b6 w278 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">652,<span class=\"_ _0\"></span>227<span class=\"_ _311\"> </span></div></td><td class=\"c n x509 y43b6 w279 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,381,50<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b7 w27a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cised/<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>este<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x50a y43b8 w27b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">(<span class=\"_ _2\"></span>72<span class=\"_ _0\"></span>9,<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x50b y43b8 w27c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>.31<span class=\"_ _311\"> </span></div></td><td class=\"c n x50c y43b8 w27d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>51<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,5<span class=\"_ _0\"></span>24)<span class=\"_ _311\"> </span></div></td><td class=\"c n x50d y43b8 w27e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">(<span class=\"_ _0\"></span>568<span class=\"_ _0\"></span>,782)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43b9 w27f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Forfeited<span class=\"_ _311\"> </span></div></td><td class=\"c n x50e y43ba w280 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x50f y43ba w281 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x510 y43ba w282 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11d ws130\">(<span class=\"_ _0\"></span>1,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x511 y43ba w283 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">(<span class=\"_ _0\"></span>4<span class=\"_ _4\"></span>56,719)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43bb w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x512 y43bb w284 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">2,801,58<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x513 y43bb w285 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x514 y43bb w286 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">89<span class=\"_ _0\"></span>5,<span class=\"_ _4\"></span>162<span class=\"_ _311\"> </span></div></td><td class=\"c n x515 y43bb w287 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">6<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y43bc ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cisable at:<span class=\"_ _42\"> </span><span class=\"ff1\"> <span class=\"_ _144\"> </span> <span class=\"_ _1d2\"> </span> <span class=\"_ _1d2\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y43bd w288 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">31 Dec<span class=\"_ _0\"></span>ember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x516 y43bd w289 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">200,6<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x517 y43bd w28a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2.31<span class=\"_ _311\"> </span></div></td><td class=\"c n x518 y43be wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x519 y43be wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x51a y4391 w28b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>1,<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>60<span class=\"_ _311\"> </span></div></td><td class=\"c n x51b y4391 w28c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.6<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x51c y4391 w28d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">7<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x51d y4391 w28e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">5,2<span class=\"_ _0\"></span>25,<span class=\"_ _4\"></span>0<span class=\"_ _0\"></span>80<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w275 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>ted<span class=\"_ _311\"> </span></div></td><td class=\"c n x51e y432f w28f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">596,<span class=\"_ _0\"></span>692<span class=\"_ _311\"> </span></div></td><td class=\"c n x51f y432f w290 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x520 y432f w291 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">47<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x521 y432f w292 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,76<span class=\"_ _4\"></span>1,174<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w27a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cised/<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>este<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x522 y4331 w293 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">(624<span class=\"_ _4\"></span>,<span class=\"_ _0\"></span>664<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x523 y4331 w294 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.67<span class=\"_ _311\"> </span></div></td><td class=\"c n x524 y4331 w295 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">(511<span class=\"_ _0\"></span>,03<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x525 y4331 w296 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(1,<span class=\"_ _4\"></span>18<span class=\"_ _0\"></span>1,<span class=\"_ _1\"></span>9<span class=\"_ _0\"></span>49)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w27f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Forfeited<span class=\"_ _311\"> </span></div></td><td class=\"c n x526 y4271 w297 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(245<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>31<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x527 y4271 w298 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>82<span class=\"_ _311\"> </span></div></td><td class=\"c n x528 y4271 w299 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(1,59<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x529 y4271 w29a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">(<span class=\"_ _0\"></span>41<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x52a y4268 w29b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>47<span class=\"_ _1\"></span>,9<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x52b y4268 w29c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3.08<span class=\"_ _311\"> </span></div></td><td class=\"c n x52c y4268 w29d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls97 ws6f\">7<span class=\"_ _4\"></span>63,390<span class=\"_ _311\"> </span></div></td><td class=\"c n x52d y4268 w29e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls97 ws6f\">5,391,269<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y43bf ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cisable at:<span class=\"_ _42\"> </span> <span class=\"_ _19d\"> </span> <span class=\"_ _1d2\"> </span> <span class=\"_ _1d2\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w29f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x52e y426d w2a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">35,0<span class=\"_ _0\"></span>15<span class=\"_ _311\"> </span></div></td><td class=\"c n x52f y426d w2a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.85<span class=\"_ _311\"> </span></div></td><td class=\"c n x530 y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x531 y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs38d\">For the share-based aw<span class=\"_ _4\"></span>ards gr<span class=\"_ _4\"></span>anted during the year<span class=\"_ _1\"></span>, the weigh<span class=\"_ _4\"></span>ted average gr<span class=\"_ _4\"></span>ant date fair </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs38e\">value w<span class=\"_ _4\"></span>as 275 pence (2022: 39<span class=\"_ _4\"></span>6 pence). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs38f\">The range o<span class=\"_ _4\"></span>f exercise prices and w<span class=\"_ _4\"></span>eighted aver<span class=\"_ _4\"></span>age remaining contr<span class=\"_ _4\"></span>actual life of outs<span class=\"_ _4\"></span>tanding </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs390\">aw<span class=\"_ _4\"></span>ards are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span></div><div class=\"gs391\"><table class=\"s w2a3 hc5\" id=\"_fc131bcf-5dfe-4b36-af0e-ebe549df8263\"><tr><td></td><td></td><td class=\"c n x532 y43c0 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x533 y43c0 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x534 h2e y43c1 ff1 fs16 fc6 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted </td><td></td><td class=\"t m0 x535 h2b y43c2 ff2 fs16 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted  </td></tr><tr><td></td><td></td><td class=\"t m0 x536 h2e y43c3 ff1 fs16 fc6 sc0 ls1 ws0\">average </td><td></td><td class=\"t m0 x537 h2b y43c4 ff2 fs16 fc5 sc0 ls1 ws0\">average  </td></tr><tr><td></td><td></td><td class=\"t m0 x538 h2e y43c5 ff1 fs16 fc6 sc0 ls1 ws0\">remaining </td><td></td><td class=\"t m0 x427 h2b y43c6 ff2 fs16 fc5 sc0 ls1 ws0\">remaining </td></tr><tr><td></td><td></td><td class=\"t m0 x539 h2e y43c7 ff1 fs16 fc6 sc0 ls1 ws0\">contractual life </td><td></td><td class=\"t m0 x53a h2b y43c8 ff2 fs16 fc5 sc0 ls1 ws0\">contractual life </td></tr><tr><td class=\"t m0 x28f h2e y43c9 ff1 fs16 fc6 sc0 ls1 ws0\">Exercise price<span class=\"_ _311\"> </span></td><td class=\"t m0 x53b h2e y43c9 ff1 fs16 fc6 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></td><td class=\"c n x53c y43ca w2a5 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">(years)<span class=\"_ _311\"> </span></div></td><td class=\"c n x53d y43ca w2a6 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">Number<span class=\"_ _311\"> </span></div></td><td class=\"t m0 x53e h2b y43cb ff2 fs16 fc5 sc0 ls1 ws0\">(years)<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y43cc ff1 fs3 fc5 sc0 ls1 ws0\">Sharesave Scheme<span class=\"_ _b6\"> </span> <span class=\"_ _21c\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y43cd ff4 fs3 fc5 sc0 ls1 ws0\">229 \u2013 429 pence  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y432f w2a7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(2022: 229 \u2013 4<span class=\"_ _4\"></span>29 pence)<span class=\"_ _311\"> </span></div></td><td class=\"c n x53f y43ce w284 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">2,801,58<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x540 y43ce w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x541 y432f w2a9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>47<span class=\"_ _4\"></span>,9<span class=\"_ _0\"></span>72<span class=\"_ _311\"> </span></div></td><td class=\"c n x542 y432f w2aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y43cf ff1 fs3 fc5 sc0 ls1 ws0\">Deferred Share Bonus Plan<span class=\"_ _c6\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w2ab ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Nil<span class=\"_ _311\"> </span></div></td><td class=\"c n x543 y4351 w2ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">895,162<span class=\"_ _311\"> </span></div></td><td class=\"c n x544 y4351 w2ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x545 y4266 w2ae ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls97 ws6f\">7<span class=\"_ _1\"></span>63,390<span class=\"_ _311\"> </span></div></td><td class=\"c n x546 y4266 w2af ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y43d0 ff1 fs3 fc5 sc0 ls1 ws0\">Performance Share Plan<span class=\"_ _269\"> </span> <span class=\"_ _146\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w2ab ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Nil<span class=\"_ _311\"> </span></div></td><td class=\"c n x547 y4321 w2b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">6<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x548 y4321 w2b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">2<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x549 y426b w2b2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls97 ws6f\">5,391,26<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x473 y426b w21c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x54a y431e w2b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls42 ws81\">10,444,017<span class=\"_ _311\"> </span></div></td><td class=\"c n x54b y431e w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x54c y426d w2b4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls2e wsa1\">8,302,631<span class=\"_ _311\"> </span></div></td><td class=\"c n x54d y426d wd9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs392\">Sharesave Scheme<span class=\"_ _311\"> </span></div><div class=\"gs393\"><table class=\"s w2b5 hc6\" id=\"_92e63492-ec5f-4556-83c8-d2eeaab8802e\"><tr><td></td><td class=\"c n x54e y43d1 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x54f y43d1 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x550 y43d1 w2b6 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2021<span class=\"_ _311\"> </span></div></td><td class=\"c n x551 y43d1 w2b7 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls39 wscf\">2020<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x552 y43d1 w2b8 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2019<span class=\"_ _311\"> </span></div></td><td class=\"c n x553 y43d1 wab hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2018<span class=\"_ _311\"> </span></div></td><td class=\"c n x554 y43d1 w2b9 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2017<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43d2 w2ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws0\">Contractual lif<span class=\"_ _4\"></span>e, years<span class=\"_ _311\"> </span></div></td><td class=\"c n x555 y43d3 w2bb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x556 y43d2 w2bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x557 y43d2 w2bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x558 y43d2 w2bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x559 y43d2 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n x55a y43d2 w2bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x55b y43d2 w2bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n x55c y43d2 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n x55d y43d2 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w2c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws0\">Share price at issue<span class=\"_ _4\"></span>, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x55e y43ce w2c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>.40<span class=\"_ _311\"> </span></div></td><td class=\"c n x55f y432f w2c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.<span class=\"_ _0\"></span>36<span class=\"_ _311\"> </span></div></td><td class=\"c n x560 y432f w2c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">5<span class=\"_ _0\"></span>.13<span class=\"_ _311\"> </span></div></td><td class=\"c n x561 y432f w2c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">2.86<span class=\"_ _311\"> </span></div></td><td class=\"c n x562 y432f w2c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">2<span class=\"_ _4\"></span>.86<span class=\"_ _311\"> </span></div></td><td class=\"c n x563 y432f w2c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.32<span class=\"_ _311\"> </span></div></td><td class=\"c n x564 y432f w2c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.32<span class=\"_ _311\"> </span></div></td><td class=\"c n x565 y432f w2c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">4.1<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x566 y432f w2c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w2c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Exer<span class=\"_ _4\"></span>cise price, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x567 y4393 w277 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2.<span class=\"_ _0\"></span>72<span class=\"_ _311\"> </span></div></td><td class=\"c n x568 y4264 w290 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x569 y4264 w2ca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x56a y4264 w2cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>29<span class=\"_ _311\"> </span></div></td><td class=\"c n x56b y4264 w2cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>29<span class=\"_ _311\"> </span></div></td><td class=\"c n x56c y4264 w2cc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.65<span class=\"_ _311\"> </span></div></td><td class=\"c n x56d y4264 w2cd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>65<span class=\"_ _311\"> </span></div></td><td class=\"c n x56e y4264 w2ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.35<span class=\"_ _311\"> </span></div></td><td class=\"c n x56f y4264 w2cf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w2d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Expected v<span class=\"_ _4\"></span>olatility, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x570 y4267 w2d1 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">46.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x571 y4266 w2d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x572 y4266 w2d3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x573 y4266 w2d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x574 y4266 w2d5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x575 y4266 w2d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x576 y4266 w2d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x577 y4266 w2d7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x578 y4266 w2d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w2d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Risk<span class=\"_ _4\"></span>-free r<span class=\"_ _4\"></span>ate, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x579 y439e w2da ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x57a y431b w2db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x57b y431b w2dc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x57c y431b w46 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x57d y431b wf9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x57e y431b w195 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x57f y431b w195 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x580 y431b w2dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x581 y431b w2de ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w2df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Dividend yield, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x582 y426a w2e0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x583 y426b w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x584 y426b wd4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x585 y426b w26b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x586 y426b w26b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x587 y426b w2e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x588 y426b w2e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x589 y426b w2e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x58a y426b w2e5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">4.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w2e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws0\">Gran<span class=\"_ _4\"></span>t date fair value, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x58b y426c w2e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x58c y426d w2e8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.68<span class=\"_ _311\"> </span></div></td><td class=\"c n x58d y426d w2e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x58e y426d w2ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>22<span class=\"_ _311\"> </span></div></td><td class=\"c n x58f y426d w2eb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">1.34<span class=\"_ _311\"> </span></div></td><td class=\"c n x590 y426d w2ec ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0.9<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x591 y426d w2ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x592 y426d w2ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x593 y426d w2ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">0.70<span class=\"_ _311\"> </span></div></td></tr></table></div>The Sharesav<span class=\"_ _4\"></span>e Schemes are not entitled to dividends betw<span class=\"_ _4\"></span>een the option and exercise dat<span class=\"_ _4\"></span>e. A Black Scholes model is used to determine the gr<span class=\"_ _4\"></span>ant date fair v<span class=\"_ _4\"></span>alue with two inputs:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>Expected volatility \u2013 from 2<span class=\"_ _4\"></span>019<span class=\"_ _1\"></span>, the expected v<span class=\"_ _4\"></span>olatility is based on the Company\u2019<span class=\"_ _1\"></span>s share price. Prior to this the Gr<span class=\"_ _4\"></span>oup used the FTSE 350 diver<span class=\"_ _4\"></span>sified financials volatility as insufficient hist<span class=\"_ _4\"></span>ory was available for the Company<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s share price.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>Risk-<span class=\"_ _4\"></span>free rate \u2013 based on long-term Go<span class=\"_ _4\"></span>vernment bonds<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span>Dividend yield \u2013 based on the average dividend yield across e<span class=\"_ _4\"></span>xternal analyst r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>ts f<span class=\"_ _4\"></span>or the<span class=\"_ gs27\"> </span>quarter prior to scheme gran<span class=\"_ _4\"></span>t date.<span class=\"_ _311\"> </span>Deferred Share Bonus Plan<span class=\"_ _311\"> </span><table class=\"s w2f0 hc7\" id=\"_09075b8e-5d0b-4420-b554-564d93ce2f1f\"><tr><td></td><td class=\"c n x594 y43d5 w2f1 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">2020<span class=\"_ _311\"> </span></div></td><td class=\"c n x595 y43d5 w2b8 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2019<span class=\"_ _311\"> </span></div></td><td class=\"c n x596 y43d5 w2b9 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2017<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w2f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Contractual lif<span class=\"_ _4\"></span>e, years<span class=\"_ _311\"> </span></div></td><td class=\"c n x597 y4264 we ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x598 y4264 w2bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n x599 y4264 w19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w2f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Mid-mark<span class=\"_ _4\"></span>et share price, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x59a y4266 w2a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.58<span class=\"_ _311\"> </span></div></td><td class=\"c n x59b y4266 w2ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x59c y4266 w2f4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.0<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w2f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Attrition r<span class=\"_ _4\"></span>ate, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x59d y431b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x59e y431b w2f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x59f y431b w11d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">11.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w2f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Dividend yield, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a0 y426b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a1 y426b w2f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a2 y426b w2f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w2fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>t date fair value, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a3 y426d w2fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.2<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a4 y426d w2fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.47<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a5 y426d w2fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table>For aw<span class=\"_ _4\"></span>ards gran<span class=\"_ _4\"></span>ted from 2021, there ar<span class=\"_ _4\"></span>e no fur<span class=\"_ _0\"></span>ther performance or v<span class=\"_ _4\"></span>esting conditions attached to de<span class=\"_ _4\"></span>ferred aw<span class=\"_ _4\"></span>ards, f<span class=\"_ _4\"></span>or fur<span class=\"_ _0\"></span>ther det<span class=\"_ _4\"></span>ails see DSBP above<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>For DSBP aw<span class=\"_ _4\"></span>ards where conditions e<span class=\"_ _4\"></span>xist, these schemes carry no rights t<span class=\"_ _4\"></span>o dividend equivalents and a Black Scholes model is used to determine the gr<span class=\"_ _4\"></span>ant date fair v<span class=\"_ _4\"></span>alue with a dividend yield input applied \u2013 based on the aver<span class=\"_ _4\"></span>age dividend yield across ext<span class=\"_ _4\"></span>ernal analyst reports for the quarter prior to scheme gran<span class=\"_ _4\"></span>t date. Per<span class=\"_ _0\"></span>formance Shar<span class=\"_ _0\"></span>e Plan<span class=\"_ _311\"> </span>Non-mark<span class=\"_ _4\"></span>et performance conditions also exist f<span class=\"_ _4\"></span>or the scheme, notably that a participant is employed by the Company at the ves<span class=\"_ _4\"></span>ting date with good leaver e<span class=\"_ _4\"></span>xceptions, and an attrition rate is applie<span class=\"_ _4\"></span>d as an estimate of the actual number o<span class=\"_ _4\"></span>f awar<span class=\"_ _4\"></span>ds that will meet the related conditions at the ves<span class=\"_ _4\"></span>ting date.<span class=\"_ _311\"> </span>The aw<span class=\"_ _4\"></span>ards are not entitle<span class=\"_ _4\"></span>d to a dividend equivalent betw<span class=\"_ _4\"></span>een grant date and v<span class=\"_ _4\"></span>esting and a Black Scholes model is used to determine the gr<span class=\"_ _4\"></span>ant date fair v<span class=\"_ _4\"></span>alue with a dividend yield input applied \u2013 based on the aver<span class=\"_ _4\"></span>age dividend yield across ext<span class=\"_ _4\"></span>ernal analyst reports for the quarter prior to the scheme gran<span class=\"_ _4\"></span>t date. The fair value o<span class=\"_ _4\"></span>f the por<span class=\"_ _0\"></span>tion of a<span class=\"_ _4\"></span>wards that is subject t<span class=\"_ _4\"></span>o market conditions (i.<span class=\"_ _4\"></span>e. the relativ<span class=\"_ _4\"></span>e TSR element of the PSP<span class=\"_ _4\"></span>) is determined at the grant dat<span class=\"_ _4\"></span>e using a Monte Carlo model.<span class=\"_ _311\"> </span>The inputs into the mo<span class=\"_ _4\"></span>dels are as follow<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span><table class=\"s w2fe hc6\" id=\"_52f1b8b2-ed04-44f4-9dc3-be8676158054\"><tr><td></td><td class=\"c n x5a6 y43d6 w2ff hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">202<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a7 y43d6 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a8 y43d6 w300 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2021<span class=\"_ _311\"> </span></div></td><td class=\"c n x5a9 y43d6 w301 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls39 wscf\">2020<span class=\"_ _311\"> </span></div></td><td class=\"c n x5aa y43d6 w2b8 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2019<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 w2f2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Contractual lif<span class=\"_ _4\"></span>e, years<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ab y4392 w302 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11e ws131\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ac y4391 w303 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ad y4391 w303 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ae y4391 w303 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>\u20137<span class=\"_ _311\"> </span></div></td><td class=\"c n x5af y4391 w2bd ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w2f3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Mid-mark<span class=\"_ _4\"></span>et share price, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b0 y4330 w304 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5.01<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b1 y432f wa6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5c ws60\">5.58<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b2 y432f w305 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">4.9<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b3 y432f w306 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1c ws1d\">2.5<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b4 y432f w307 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>.96<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w308 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Attrition r<span class=\"_ _4\"></span>ate, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b5 y43aa w309 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b6 y4264 w30a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b7 y4264 w30b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b8 y4264 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b9 y4264 w2f6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w2d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Expected v<span class=\"_ _4\"></span>olatility, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ba y4351 w30c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>5.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bb y4266 w30d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bc y4266 w30e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bd y4266 w30f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x5be y4266 w310 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w2df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Dividend yield, %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5bf y431a w311 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">8.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c0 y431b w312 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c1 y431b w313 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c2 y431b wf9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c3 y431b w1b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w314 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">V<span class=\"_ _4\"></span>esting r<span class=\"_ _4\"></span>ate \u2013 TSR %<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c4 y4321 w315 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c5 y426b w316 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">32.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c6 y426b w317 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">4<span class=\"_ _0\"></span>0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c7 y426b w318 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c8 y426b w319 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w31a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Gran<span class=\"_ _4\"></span>t date fair value, \u00a3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c9 y431e w206 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.<span class=\"_ _4\"></span>08<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ca y426d w31b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>64<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cb y426d w31c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>26<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cc y426d w310 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">2.06<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cd y426d w2fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.47<span class=\"_ _311\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-432": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs3b3\">10. <span class=\"_ _0\"></span>Integration c<span class=\"_ _0\"></span>os<span class=\"_ _4\"></span>ts </div><div class=\"gs3b4\"><table class=\"s w259 hc8\" id=\"_661ac05b-24e6-4658-88f4-ec98e993547c\"><tr><td></td><td class=\"t m0 x288 h2e y43d7 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y43d7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y43d8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y43d8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w31d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Consultant fees<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ce y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5cf y4268 w2aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w31f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Staff costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d0 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d1 y426b w320 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x5d0 y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d2 y426d w321 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3b5\">At Combination in October 2019<span class=\"_ _3\"></span>, the Group announced a quantifie<span class=\"_ _4\"></span>d financial benefits </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3b6\">st<span class=\"_ _4\"></span>atement for meaningful cos<span class=\"_ _4\"></span>t synergies to be achiev<span class=\"_ _4\"></span>ed by the third anniv<span class=\"_ _4\"></span>ersary of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3b7\">Combination. Following the thir<span class=\"_ _4\"></span>d anniversary in October 2<span class=\"_ _4\"></span>022, the Group ceased recognising </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3b8\">expenses as int<span class=\"_ _4\"></span>egration relate<span class=\"_ _4\"></span>d. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3b9\">The 2022 consultant f<span class=\"_ _4\"></span>ees related to advice on the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s future operating s<span class=\"_ _4\"></span>tructure and st<span class=\"_ _4\"></span>af<span class=\"_ _0\"></span>f </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ba\">costs r<span class=\"_ _4\"></span>elated to personnel who had le<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>t the Gr<span class=\"_ _4\"></span>oup through the transition of oper<span class=\"_ _4\"></span>ations to the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3bb\">new oper<span class=\"_ _4\"></span>ating model.</div>",
   "dimensions": {
    "concept": "osbgroupplc:DisclosureOfIntegrationCosts",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-535": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws132 gs3bd\">11. T<span class=\"_ _1\"></span>axation<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3be\">The Group publishes its tax s<span class=\"_ _4\"></span>trate<span class=\"_ _4\"></span>gy on its corporate w<span class=\"_ _4\"></span>ebsite. The table belo<span class=\"_ _4\"></span>w shows the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3bf\">components of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s tax charge f<span class=\"_ _4\"></span>or the year:<span class=\"_ _311\"> </span></div><div class=\"gs3c0\"><table class=\"s w331 hca\" id=\"_ff814bd3-df48-4604-868b-092d37f4b1ac\"><tr><td></td><td class=\"t m0 x296 h2e y43e5 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y43e5 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y43e6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y43e6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y43e7 w332 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Corporation tax<span class=\"_ _311\"> </span></div></td><td class=\"c n x5df y43e8 w333 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">105.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e0 y43e7 w334 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>41<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43e9 w335 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Corporation tax<span class=\"_ _4\"></span>ation - prior year adjustment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e1 y43ea w118 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e2 y43e9 w336 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43eb w337 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal current tax<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e3 y43eb w338 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">105.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e4 y43ec w339 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">140.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y43ed ff1 fs3 fc5 sc0 ls1 ws0\">Deferred tax<span class=\"_ _136\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y43ee w33a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d taxation<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e5 y43ef w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x270 y43ee w33b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(1.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43f0 w33c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d taxation \u2013 prior year adjus<span class=\"_ _4\"></span>tments<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e6 y43f1 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e7 y43f0 w330 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y43f2 ff4 fs3 fc5 sc0 ls1 ws0\">Release of de<span class=\"_ _4\"></span>ferred tax on CCF<span class=\"_ _4\"></span>S Combination<span class=\"_ _311\"> </span></td><td class=\"c n x5e8 y43f3 w33d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(14.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e9 y43f4 w33e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43f5 w33f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal deferred tax<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ea y43f5 w340 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(1<span class=\"_ _0\"></span>3.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5eb y43f6 w341 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(19<span class=\"_ _4\"></span>.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w342 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal tax charge<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ec y431e w2ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">91.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ed y426d w343 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">121.5<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs3c1\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3c2\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>R<span class=\"_ _0\"></span>elea<span class=\"_ _0\"></span>se of def<span class=\"_ _0\"></span>erred ta<span class=\"_ _0\"></span>x on CCFS C<span class=\"_ _0\"></span>ombina<span class=\"_ _0\"></span>tion re<span class=\"_ _0\"></span>lates to t<span class=\"_ _0\"></span>he unwin<span class=\"_ _0\"></span>d of the def<span class=\"_ _0\"></span>erre<span class=\"_ _0\"></span>d tax liabi<span class=\"_ _0\"></span>lities r<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d on </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3c3\">the fa<span class=\"_ _0\"></span>ir value a<span class=\"_ _0\"></span>djustm<span class=\"_ _0\"></span>ents of t<span class=\"_ _0\"></span>he CCFS as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd liabi<span class=\"_ _0\"></span>lities a<span class=\"_ _0\"></span>t the ac<span class=\"_ _0\"></span>quisit<span class=\"_ _0\"></span>ion date \u00a3<span class=\"_ _0\"></span>(14.3)m (2022: \u00a3(17<span class=\"_ _1\"></span>.5<span class=\"_ _0\"></span>)m whic<span class=\"_ _0\"></span>h </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs3c4\">included \u00a3(4<span class=\"_ _4\"></span>.7<span class=\"_ _0\"></span>)m<span class=\"_ _4\"></span> from the ban<span class=\"_ _4\"></span>k surcharge<span class=\"_ _4\"></span> decrease)<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3c5\">The charge f<span class=\"_ _4\"></span>or taxation on the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s profit be<span class=\"_ _4\"></span>fore taxation differs fr<span class=\"_ _4\"></span>om the charge based on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3c6\">the weigh<span class=\"_ _4\"></span>ted aver<span class=\"_ _4\"></span>age standar<span class=\"_ _4\"></span>d rate of UK Corpor<span class=\"_ _4\"></span>ation T<span class=\"_ _4\"></span>ax of 23.<span class=\"_ _4\"></span>5% (2022: 19%) as f<span class=\"_ _4\"></span>ollows:<span class=\"_ _311\"> </span></div><div class=\"gs3c7\"><table class=\"s w322 hc9\" id=\"_a0e994b0-d171-4883-ab3d-c2f63ff2a998\"><tr><td></td><td class=\"t m0 x296 h2e y43d9 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y43d9 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x418 h2e y43da ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x5d3 h2b y43da ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y43db w129 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Profit be<span class=\"_ _4\"></span>fore taxation<span class=\"_ _311\"> </span></div></td><td class=\"c n x3e2 y43dc w12a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">374.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x3e3 y43db w35 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">531.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y43dd ff4 fs3 fc5 sc0 ls1 ws0\">Profit multiplied by the s<span class=\"_ _4\"></span>tandard r<span class=\"_ _4\"></span>ate  </td><td></td><td></td></tr><tr><td class=\"c n x254 y43de w323 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">of UK Corporation T<span class=\"_ _3\"></span>ax 23.5% (<span class=\"_ _4\"></span>2022: 19%)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d4 y43df w324 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">88<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d5 y43de w325 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>01.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y43e0 ff4 fs3 fc5 sc0 ls1 ws0\">Bank surchar<span class=\"_ _4\"></span>ge<span class=\"_ _311\"> </span></td><td class=\"c n x5d6 y43e1 w326 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d7 y43e2 w327 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">30.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y43e3 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>axation effects of:<span class=\"_ _d5\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w328 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Expenses not deductible for t<span class=\"_ _4\"></span>axation purposes<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d8 y4267 w329 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5d9 y4266 w32a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y43e4 ff4 fs3 fc5 sc0 ls1 ws0\">Securitisation profits not t<span class=\"_ _4\"></span>axable<span class=\"_ _311\"> </span></td><td class=\"c n x493 y4269 w32b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5da y4268 wff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w32c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Timing differences on capital items<span class=\"_ _311\"> </span></div></td><td class=\"c n x5db y426a w48 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5dc y426b w32d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w32e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Utilisation of brough<span class=\"_ _4\"></span>t forward t<span class=\"_ _4\"></span>ax losses<span class=\"_ _311\"> </span></div></td><td class=\"c n x5dd y426c w32f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5de y426d w330 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.3)<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs3c8\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs3c9\">2<span class=\"_ _311\"> </span></div><div class=\"gs3ca\"><table class=\"s w344 hcb\" id=\"_6b159eac-eed3-4c65-8fed-cd587cb6169d\"><tr><td></td><td class=\"t m0 x288 h2e y43f7 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y43f7 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x4a4 h2e y43f8 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x49d h2b y43f8 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y43f9 w345 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax adjustment<span class=\"_ _4\"></span>s in respect of share based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ee y43fa w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ef y43f9 w101 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y43fb ff4 fs3 fc5 sc0 ls1 ws0\">Fair value adjus<span class=\"_ _4\"></span>tments on acquisition amount<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x5f0 y43fc w346 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">14.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f1 y43fd w347 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y43fe w348 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Adjustmen<span class=\"_ _4\"></span>ts in respect of earlier year<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f2 y43ff w118 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>0.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f3 y43fe w349 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">(0<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4400 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax on coupon paid on A<span class=\"_ _4\"></span>T1 securities<span class=\"_ _311\"> </span></td><td class=\"c n x5f4 y4401 w34a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f5 y4402 w34b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4403 w34c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal current tax charge<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f6 y4403 w34d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">105.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f7 y4404 w34e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>40.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y439b w34f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ements in deferr<span class=\"_ _4\"></span>ed taxes<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f8 y4405 w350 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f9 y439b w1e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w351 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d taxation \u2013 prior year adjus<span class=\"_ _4\"></span>tments<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e6 y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5fa y4266 w352 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4406 ff4 fs3 fc5 sc0 ls1 ws0\">Release of de<span class=\"_ _4\"></span>ferred tax<span class=\"_ _4\"></span>ation on CCFS Combination<span class=\"_ _311\"> </span></td><td class=\"c n x46e y4334 w353 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(14.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x5fb y4268 w354 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(12.8)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w355 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impact of def<span class=\"_ _4\"></span>erred tax rat<span class=\"_ _4\"></span>e change<span class=\"_ _311\"> </span></div></td><td class=\"c n x5fc y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x5fd y426b w356 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w342 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal tax charge<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ec y431e w2ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">91.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ed y426d w357 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">121.5<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs3cb\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs3cc\">4<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs3cd\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3ce\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>Tax char<span class=\"_ _0\"></span>ge for the t<span class=\"_ _0\"></span>wo ba<span class=\"_ _0\"></span>nking en<span class=\"_ _0\"></span>tities o<span class=\"_ _0\"></span>f \u00a39<span class=\"_ _4\"></span>.<span class=\"_ _0\"></span>6m (2022: \u00a3<span class=\"_ _0\"></span>34.3m) off<span class=\"_ _0\"></span>set by t<span class=\"_ _0\"></span>he tax imp<span class=\"_ _0\"></span>act of unw<span class=\"_ _0\"></span>indin<span class=\"_ _0\"></span>g CCFS </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3cf\">Co<span class=\"_ _0\"></span>mbinat<span class=\"_ _0\"></span>ion item<span class=\"_ _0\"></span>s of \u00a32.2m (20<span class=\"_ _0\"></span>22: \u00a34.1m<span class=\"_ _4\"></span>). </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3d0\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>S<span class=\"_ _0\"></span>ecuri<span class=\"_ _0\"></span>tisat<span class=\"_ _0\"></span>ion com<span class=\"_ _0\"></span>panie<span class=\"_ _0\"></span>s are taxe<span class=\"_ _0\"></span>d in acc<span class=\"_ _0\"></span>ordan<span class=\"_ _0\"></span>ce with th<span class=\"_ _0\"></span>e T<span class=\"_ _4\"></span>axat<span class=\"_ _0\"></span>ion of Se<span class=\"_ _0\"></span>curit<span class=\"_ _0\"></span>isati<span class=\"_ _0\"></span>on Comp<span class=\"_ _0\"></span>anie<span class=\"_ _0\"></span>s Regul<span class=\"_ _0\"></span>ation 20<span class=\"_ _0\"></span>06, </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3d1\">suc<span class=\"_ _0\"></span>h that the<span class=\"_ _0\"></span>y are subj<span class=\"_ _0\"></span>ect to ta<span class=\"_ _0\"></span>x on their r<span class=\"_ _0\"></span>etaine<span class=\"_ _0\"></span>d profi<span class=\"_ _0\"></span>ts rath<span class=\"_ _0\"></span>er than th<span class=\"_ _0\"></span>eir tax a<span class=\"_ _0\"></span>djuste<span class=\"_ _0\"></span>d profi<span class=\"_ _0\"></span>t befo<span class=\"_ _0\"></span>re tax.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3d2\">3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he unwin<span class=\"_ _0\"></span>ding of th<span class=\"_ _0\"></span>e fair valu<span class=\"_ _0\"></span>e adjus<span class=\"_ _0\"></span>tment<span class=\"_ _0\"></span>s of the CC<span class=\"_ _0\"></span>FS asset<span class=\"_ _0\"></span>s and lia<span class=\"_ _0\"></span>bilitie<span class=\"_ _0\"></span>s acqu<span class=\"_ _0\"></span>ired as p<span class=\"_ _0\"></span>art of t<span class=\"_ _0\"></span>he CCFS </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3d3\">com<span class=\"_ _0\"></span>binat<span class=\"_ _0\"></span>ion are not d<span class=\"_ _0\"></span>educ<span class=\"_ _0\"></span>tible f<span class=\"_ _0\"></span>or tax pur<span class=\"_ _0\"></span>pose<span class=\"_ _0\"></span>s. A defe<span class=\"_ _0\"></span>rred ta<span class=\"_ _0\"></span>x liabili<span class=\"_ _0\"></span>ty has b<span class=\"_ _0\"></span>een re<span class=\"_ _0\"></span>cogni<span class=\"_ _0\"></span>sed in r<span class=\"_ _0\"></span>elatio<span class=\"_ _0\"></span>n to thes<span class=\"_ _0\"></span>e </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3d4\">amo<span class=\"_ _0\"></span>unts whi<span class=\"_ _0\"></span>ch is rel<span class=\"_ _0\"></span>ease<span class=\"_ _0\"></span>d as the<span class=\"_ _0\"></span>y unwind. </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs3d5\">4. <span class=\"_ _1b\"> </span> <span class=\"_ _3d\"></span>Th<span class=\"_ _0\"></span>e Group ha<span class=\"_ _0\"></span>s issu<span class=\"_ _0\"></span>ed A<span class=\"_ _4\"></span>T1 c<span class=\"_ _0\"></span>apital in<span class=\"_ _0\"></span>strum<span class=\"_ _0\"></span>ents th<span class=\"_ _0\"></span>at are cla<span class=\"_ _0\"></span>ssif<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s Hybrid C<span class=\"_ _0\"></span>apital I<span class=\"_ _0\"></span>nstru<span class=\"_ _0\"></span>ments (<span class=\"_ _0\"></span>\u2018HC<span class=\"_ _0\"></span>I\u2019) f<span class=\"_ _0\"></span>or tax </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs3d6\">purposes. The coupons<span class=\"_ _4\"></span> paid under HCI a<span class=\"_ _4\"></span>re deductible under<span class=\"_ _4\"></span> UK tax legislation<span class=\"_ _4\"></span> despite being cha<span class=\"_ _4\"></span>rged to equit<span class=\"_ _4\"></span>y.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs3d7\">Factor<span class=\"_ _0\"></span>s affe<span class=\"_ _0\"></span>cting tax char<span class=\"_ _0\"></span>ge for the yea<span class=\"_ _0\"></span>r<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3d8\">From 1 April 2023<span class=\"_ _4\"></span>, the corporation tax r<span class=\"_ _4\"></span>ate in the UK increased from 19% t<span class=\"_ _4\"></span>o 25%, the bank </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3d9\">surchar<span class=\"_ _4\"></span>ge rate decreased fr<span class=\"_ _4\"></span>om 8% to 3% and the bank surcharge allo<span class=\"_ _4\"></span>wance (the le<span class=\"_ _4\"></span>vel of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3da\">taxable pr<span class=\"_ _4\"></span>ofits abov<span class=\"_ _4\"></span>e which are subject to the surchar<span class=\"_ _4\"></span>ge) increased from \u00a32<span class=\"_ _4\"></span>5m to \u00a3100m. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3db\">Theref<span class=\"_ _4\"></span>ore, for year ende<span class=\"_ _4\"></span>d 31 December 2023 the main rate of corpor<span class=\"_ _4\"></span>ation tax is 23.<span class=\"_ _4\"></span>5%, the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3dc\">bank surchar<span class=\"_ _4\"></span>ge rate is 4<span class=\"_ _4\"></span>.25% and the bank surchar<span class=\"_ _4\"></span>ge allow<span class=\"_ _4\"></span>ance is \u00a381.3m.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs3dd\">The effective tax r<span class=\"_ _4\"></span>ate for the year ended 31 December 2023<span class=\"_ _4\"></span>, excluding the impact o<span class=\"_ _4\"></span>f adjustments </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs3de\">in respect of earlier ye<span class=\"_ _4\"></span>ars and the deferre<span class=\"_ _4\"></span>d tax rate change<span class=\"_ _4\"></span>, was 24<span class=\"_ _4\"></span>.6% (2022:<span class=\"_ gs27\"> </span>24<span class=\"_ _1\"></span>.0%). This is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs3df\">higher than the st<span class=\"_ _4\"></span>andard rate o<span class=\"_ _4\"></span>f UK corporation tax, principally due t<span class=\"_ _4\"></span>o the impact of the bank </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs3e0\">surchar<span class=\"_ _4\"></span>ge payable by the two banking entities<span class=\"_ _4\"></span>, of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>set by the impact of sw<span class=\"_ _4\"></span>ap movemen<span class=\"_ _4\"></span>ts in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs3e1\">securitisation companies that are not subject to tax<span class=\"_ _4\"></span>, and deductions available for the coupon </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs3e2\">paid on A<span class=\"_ _1\"></span>T1 instruments that ar<span class=\"_ _4\"></span>e charged to equity. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs3e4\">Factor<span class=\"_ _0\"></span>s that may af<span class=\"_ _0\"></span>fect future t<span class=\"_ _0\"></span>ax charges<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3e5\">During 2022, the UK Gov<span class=\"_ _4\"></span>ernment confirmed its in<span class=\"_ _4\"></span>tention to implement the OECD Inclusiv<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3e6\">Frame<span class=\"_ _4\"></span>work Pillar 2 rules in the UK, including a Qualified Domes<span class=\"_ _4\"></span>tic Minimum T<span class=\"_ _1\"></span>op-Up T<span class=\"_ _4\"></span>ax rule. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3e7\">This legislation, which was enac<span class=\"_ _4\"></span>ted in 2023, will seek to ensur<span class=\"_ _4\"></span>e that UK headed multinational </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3e8\">groups pay a minimum tax r<span class=\"_ _4\"></span>ate of 15 per cent on UK and o<span class=\"_ _4\"></span>verseas pr<span class=\"_ _4\"></span>ofits arising after </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3e9\">31<span class=\"_ gs27\"> </span>December 2023<span class=\"_ _4\"></span>. Given the headline tax rat<span class=\"_ _4\"></span>es in the countries that the Group operat<span class=\"_ _4\"></span>es </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ea\">in, and the nature of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s business in those countries, these rules ar<span class=\"_ _4\"></span>e not currently </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3eb\">expected t<span class=\"_ _4\"></span>o have any impact on the Group.<span class=\"_ _311\"> </span></div>25<span class=\"_ _4\"></span>. <span class=\"_ _4\"></span>Deferred taxation asset<span class=\"_ _311\"> </span><table class=\"s w530 he0\" id=\"_3d3bca9e-3ff5-485f-b99f-0a4d86a04a21\"><tr><td></td><td class=\"t m0 x87b h2b y4559 ff2 fs16 fc5 sc0 ls1 ws0\">Losses </td><td></td><td class=\"t m0 x87c h2b y455a ff2 fs16 fc5 sc0 ls1 ws0\">Share-<span class=\"_ _311\"> </span></td><td class=\"t m0 x307 h2b y455b ff2 fs16 fc5 sc0 ls1 ws0\">IFRS 9 </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87d h2b y455c ff2 fs16 fc5 sc0 ls1 ws0\">carried </td><td class=\"t m0 x87e h2b y455d ff2 fs16 fc5 sc0 ls1 ws0\">Accelerated </td><td class=\"t m0 x74d h2b y455e ff2 fs16 fc5 sc0 ls1 ws0\">based </td><td class=\"t m0 x696 h2b y455f ff2 fs16 fc5 sc0 ls1 ws0\">transitional </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87f h2b y4560 ff2 fs16 fc5 sc0 ls1 ws0\">forward<span class=\"_ _311\"> </span></td><td class=\"t m0 x723 h2b y4561 ff2 fs16 fc5 sc0 ls1 ws0\">depreciation<span class=\"_ _311\"> </span></td><td class=\"t m0 x880 h2b y4562 ff2 fs16 fc5 sc0 ls1 ws0\">payments<span class=\"_ _311\"> </span></td><td class=\"t m0 x881 h2b y4563 ff2 fs16 fc5 sc0 ls1 ws0\">adjustments<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2b y4563 ff2 fs16 fc5 sc0 ls1 ws0\">Others<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y4564 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x4fe h2b y4565 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y4566 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4567 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4568 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4569 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4569 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y456a wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x884 y456a w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x885 y456a w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x886 y456a w531 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">5.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x887 y456a wd5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x888 y456a wd8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x889 y456a w532 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y456b ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss (<span class=\"_ _4\"></span>charge)/<span class=\"_ _3\"></span>credit<span class=\"_ _311\"> </span></td><td class=\"c n x88a y456c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x88b y456c w533 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(0.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x88c y456c w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x88d y456c w488 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x88e y456c w534 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x88f y456c w535 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y456d w536 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to OCI<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y456d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x891 y456d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x892 y456d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x893 y456d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x894 y456d we7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x895 y456d w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y456e w537 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to equity<span class=\"_ _311\"> </span></div></td><td class=\"c n x896 y456e w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x897 y456e w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x898 y456e w538 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x899 y456e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x89a y456e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x89b y456e w336 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y456f wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x89c y456f w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x89d y456f w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x89e y456f w539 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x89f y456f w22d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a0 y456f w53a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a1 y456f w7d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">6.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4570 w53b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss (<span class=\"_ _4\"></span>charge)/<span class=\"_ _3\"></span>credit<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a2 y4571 w40 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a3 y4571 w53c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a4 y4571 w53d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a5 y4571 w53e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a6 y4571 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a7 y4571 w4a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4572 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransferre<span class=\"_ _4\"></span>d from deferred </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4573 ff4 fs3 fc5 sc0 ls1 ws0\">tax<span class=\"_ gs27\"> </span>liability<span class=\"_ _311\"> </span></td><td class=\"c n x88a y4574 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a8 y4574 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a9 y4574 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8aa y4574 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ab y4574 w51e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ac y4574 w53f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4575 w536 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to OCI<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y4576 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ad y4576 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ae y4576 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8af y4576 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b0 y4576 w45 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b1 y4576 w540 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4577 w537 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to equity<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b2 y4578 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b3 y4578 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b4 y4578 w541 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b5 y4578 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b6 y4578 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b7 y4578 w53e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b8 y426d w542 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b9 y426d w543 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(0.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ba y426d w544 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x8bb y426d w545 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8bc y426d w546 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8bd y426d w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>O<span class=\"_ _0\"></span>ther<span class=\"_ _0\"></span>s inclu<span class=\"_ _0\"></span>des de<span class=\"_ _0\"></span>ferre<span class=\"_ _0\"></span>d taxatio<span class=\"_ _0\"></span>n asse<span class=\"_ _0\"></span>ts rec<span class=\"_ _0\"></span>ognis<span class=\"_ _0\"></span>ed on f<span class=\"_ _0\"></span>inanc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets cl<span class=\"_ _0\"></span>assif<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s FVOC<span class=\"_ _0\"></span>I, der<span class=\"_ _0\"></span>ivati<span class=\"_ _0\"></span>ves and s<span class=\"_ _0\"></span>hor<span class=\"_ _0\"></span>t<span class=\"_ _1\"></span>-<span class=\"_ _311\"> </span>term timing differe<span class=\"_ _0\"></span>nces.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>In 20<span class=\"_ _0\"></span>23 there w<span class=\"_ _0\"></span>as no pri<span class=\"_ _0\"></span>or year d<span class=\"_ _0\"></span>eferr<span class=\"_ _0\"></span>ed tax (2022 \u00a3<span class=\"_ _0\"></span>0.3m). 3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>\u00a3<span class=\"_ _0\"></span>1.7m relati<span class=\"_ _0\"></span>ng to othe<span class=\"_ _0\"></span>r defer<span class=\"_ _0\"></span>red tax as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s, and pre<span class=\"_ _0\"></span>viou<span class=\"_ _0\"></span>sly show<span class=\"_ _0\"></span>n withi<span class=\"_ _0\"></span>n the Def<span class=\"_ _0\"></span>erre<span class=\"_ _0\"></span>d tax liabi<span class=\"_ _0\"></span>lity (see No<span class=\"_ _0\"></span>te 35) ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en trans<span class=\"_ _0\"></span>ferre<span class=\"_ _0\"></span>d to the D<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set.<span class=\"_ _311\"> </span>In 2022, the pro<span class=\"_ _4\"></span>fit or loss credit for deferr<span class=\"_ _4\"></span>ed tax includes a credit of \u00a30<span class=\"_ _1\"></span>.2m from the corporation tax rat<span class=\"_ _4\"></span>e change. As at 31 December 2023<span class=\"_ _4\"></span>, the Group had \u00a33.<span class=\"_ _4\"></span>5m (2022: \u00a33.<span class=\"_ _4\"></span>5m) of losses for which a def<span class=\"_ _4\"></span>erred tax asset has not been recognised as the Gr<span class=\"_ _4\"></span>oup does not expect sufficient future profit<span class=\"_ _4\"></span>s to be available to utilise the losses<span class=\"_ _4\"></span>. As at 31 December 2023 def<span class=\"_ _4\"></span>erred tax assets of \u00a32.<span class=\"_ _1\"></span>0m (2022: \u00a32.3m) are e<span class=\"_ _4\"></span>xpected to be utilised within 12 months and \u00a31.8m (<span class=\"_ _4\"></span>2022: \u00a34<span class=\"_ _4\"></span>.0m) utilised after 12 months<span class=\"_ _311\"> </span><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs4ee\">35. <span class=\"_ _1\"></span>Deferred taxation liability<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4ef\">The deferr<span class=\"_ _4\"></span>ed tax liability recognised on the Combination relates t<span class=\"_ _4\"></span>o the timing dif<span class=\"_ _0\"></span>fer<span class=\"_ _4\"></span>ences </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4f0\">of the recognition o<span class=\"_ _4\"></span>f assets and liabilities at fair value<span class=\"_ _4\"></span>, where the fair values will unwind in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4f1\">future periods in line with the underlying asset or liability. The def<span class=\"_ _4\"></span>erred tax liability has been </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4f2\">measured using the r<span class=\"_ _4\"></span>elevant r<span class=\"_ _4\"></span>ates for the expecte<span class=\"_ _4\"></span>d periods of utilisation.<span class=\"_ _311\"> </span></div><div class=\"gs4f3\"><table class=\"s w5e4 hea\" id=\"_8cb05ae0-8a5e-4841-a403-772ea3555355\"><tr><td></td><td class=\"t m0 x85b h2b y45eb ff2 fs16 fc5 sc0 ls1 ws0\">CCFS Combination </td></tr><tr><td></td><td class=\"t m0 x49d h2b y45ec ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y45ed wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x2c5 y45ed w5e5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y45ee ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss cr<span class=\"_ _4\"></span>edit<span class=\"_ _311\"> </span></td><td class=\"t m0 x41f h16 y45ef ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y45f0 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d2 y45f0 wac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">22.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45f1 w5e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss cr<span class=\"_ _4\"></span>edit<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d3 y45f2 w353 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(14.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y45f3 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer to De<span class=\"_ _4\"></span>ferred tax asset<span class=\"_ _311\"> </span></td><td class=\"t m0 x9d4 hc y45f4 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d5 y426d wab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6.3<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4f4\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4f5\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4f6\">1. <span class=\"_ _18\"> </span>In 20<span class=\"_ _0\"></span>22, the pro<span class=\"_ _0\"></span>fit or l<span class=\"_ _0\"></span>oss cre<span class=\"_ _0\"></span>dit inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s \u00a34.7m impac<span class=\"_ _0\"></span>t of the co<span class=\"_ _0\"></span>rpora<span class=\"_ _0\"></span>tion tax ra<span class=\"_ _0\"></span>te chang<span class=\"_ _0\"></span>es.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4f7\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>\u00a3<span class=\"_ _0\"></span>1.7m relati<span class=\"_ _0\"></span>ng to othe<span class=\"_ _0\"></span>r defer<span class=\"_ _0\"></span>red tax as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>, and pre<span class=\"_ _0\"></span>vious<span class=\"_ _0\"></span>ly show<span class=\"_ _0\"></span>n within t<span class=\"_ _0\"></span>he Def<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>ax liabil<span class=\"_ _0\"></span>ity has b<span class=\"_ _0\"></span>een </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4f8\">tran<span class=\"_ _0\"></span>sferr<span class=\"_ _0\"></span>ed to the D<span class=\"_ _0\"></span>eferr<span class=\"_ _0\"></span>ed tax as<span class=\"_ _0\"></span>set (see N<span class=\"_ _0\"></span>ote 25).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4f9\">As at 31 December 2023 def<span class=\"_ _4\"></span>erred tax liabilities of \u00a33<span class=\"_ _4\"></span>.8m (2022: \u00a35<span class=\"_ _4\"></span>.6m) are expect<span class=\"_ _4\"></span>ed to be due </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4fa\">within 12 months and \u00a32.<span class=\"_ _4\"></span>5m (2022: \u00a316.<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>m) due after 12 months.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-433": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs3ed\">12. <span class=\"_ _2\"></span>Earnings per share<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ee\">EPS is based on the profit f<span class=\"_ _4\"></span>or the year and the weight<span class=\"_ _4\"></span>ed average number o<span class=\"_ _4\"></span>f ordinary shares </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ef\">in issue. Basic EPS ar<span class=\"_ _4\"></span>e calculated by dividing profit attributable t<span class=\"_ _4\"></span>o ordinary shareholder<span class=\"_ _4\"></span>s by </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3f0\">the weigh<span class=\"_ _4\"></span>ted aver<span class=\"_ _4\"></span>age number of ordinary shares in issue during the year<span class=\"_ _3\"></span>. Diluted EPS tak<span class=\"_ _4\"></span>e into </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3f1\">account share options and a<span class=\"_ _4\"></span>wards which can be con<span class=\"_ _4\"></span>verted to ordinary shar<span class=\"_ _4\"></span>es. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3f2\">For the purpose of calculating EPS<span class=\"_ _4\"></span>, profit attributable to or<span class=\"_ _4\"></span>dinary shareholders is arriv<span class=\"_ _4\"></span>ed at by </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3f3\">adjusting pr<span class=\"_ _4\"></span>ofit for the year for the coupon on securities classified as equity:<span class=\"_ _311\"> </span></div><div class=\"gs3f4\"><table class=\"s w358 hc8\" id=\"_5a5ca8b1-2c51-44ce-9988-a5cea1a02c0f\"><tr><td></td><td class=\"t m0 x296 h2e y4407 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4407 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4408 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m</td><td class=\"t m0 x5d3 h2b y4408 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4334 w359 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Statutory profit after tax<span class=\"_ _311\"> </span></div></td><td class=\"c n x5fe y4334 w35a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">282.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x5ff y4268 w3c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls88 ws8d\">410<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w35b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Less: Coupon on A<span class=\"_ _1\"></span>T1 securities classified as equity<span class=\"_ _311\"> </span></div></td><td class=\"c n x600 y4321 w156 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x601 y426b w35c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(9<span class=\"_ _4\"></span>.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w35d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Statutory profit attributable to ordinary shareholder<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x602 y431e w35e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">273<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x603 y426d w35f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">40<span class=\"_ _0\"></span>1.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs3f5\"><table class=\"s w360 hc6\" id=\"_ac5d0ce5-aa81-4bf9-96c5-c189d776fe1a\"><tr><td></td><td class=\"c n x604 y43d1 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x605 y43d1 w362 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4409 ff1 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _1\"></span>eighted average number of shares<span class=\"_ _4\"></span>, millions<span class=\"_ _277\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y432f w55 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Basic<span class=\"_ _311\"> </span></div></td><td class=\"c n x606 y440a w363 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">414<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x607 y432f w364 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls88 ws8d\">4<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w365 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Dilutive impact o<span class=\"_ _4\"></span>f share-based payment schemes<span class=\"_ _311\"> </span></div></td><td class=\"c n x608 y4265 w115 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x609 y4264 w366 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w59 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Diluted<span class=\"_ _311\"> </span></div></td><td class=\"c n x60a y440b w367 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">421.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x60b y4271 w368 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">446.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y440c ff1 fs3 fc5 sc0 ls1 ws0\">Earnings per share, pence per share<span class=\"_ _cc\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w55 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Basic<span class=\"_ _311\"> </span></div></td><td class=\"c n x60c y426a w57 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x60d y426b w369 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">9<span class=\"_ _0\"></span>0.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w59 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Diluted<span class=\"_ _311\"> </span></div></td><td class=\"c n x60e y426c w36a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">65.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x60f y426d w36b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-528": {
   "value": "EPS is based on the profit f<span class=\"_ _4\"></span>or the year and the weight<span class=\"_ _4\"></span>ed average number o<span class=\"_ _4\"></span>f ordinary shares in issue. Basic EPS ar<span class=\"_ _4\"></span>e calculated by dividing profit attributable t<span class=\"_ _4\"></span>o ordinary shareholder<span class=\"_ _4\"></span>s by the weigh<span class=\"_ _4\"></span>ted aver<span class=\"_ _4\"></span>age number of ordinary shares in issue during the year<span class=\"_ _3\"></span>. Diluted EPS tak<span class=\"_ _4\"></span>e into account share options and a<span class=\"_ _4\"></span>wards which can be con<span class=\"_ _4\"></span>verted to ordinary shar<span class=\"_ _4\"></span>es. For the purpose of calculating EPS<span class=\"_ _4\"></span>, profit attributable to or<span class=\"_ _4\"></span>dinary shareholders is arriv<span class=\"_ _4\"></span>ed at by adjusting pr<span class=\"_ _4\"></span>ofit for the year for the coupon on securities classified as equity:<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-434": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws133 gs3f7\">13. Dividends<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w373 hcc\" id=\"_bdf340f7-affc-4ebd-a952-6ce8fdfd4c00\"><tr><td></td><td class=\"c n x615 y4410 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x616 y4410 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x617 h2e y4411 ff1 fs16 fc6 sc0 ls1 ws0\">Pence per </td><td></td><td class=\"t m0 x427 h2b y4411 ff2 fs16 fc5 sc0 ls1 ws0\">Pence per  </td></tr><tr><td></td><td class=\"t m0 x618 h2e y4412 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"c n x619 y4413 w374 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">share<span class=\"_ _311\"> </span></div></td><td class=\"c n x61a y4413 w375 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"t m0 x41f h2b y4412 ff2 fs16 fc5 sc0 ls1 ws0\">share<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 w376 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Final dividend for the prior year<span class=\"_ _311\"> </span></div></td><td class=\"c n x61b y4270 w377 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">93.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x61c y4270 w378 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">21.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x61d y4271 w379 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">9<span class=\"_ _0\"></span>4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x61e y4271 w37a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w37b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Special dividend for the prior year<span class=\"_ _311\"> </span></div></td><td class=\"c n x61f y43ab w37c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">50.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x620 y43ab w37d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x621 y4268 wb0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x622 y4268 wb0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w37e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Interim dividend f<span class=\"_ _4\"></span>or the current year<span class=\"_ _311\"> </span></div></td><td class=\"c n x623 y4273 w37f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">4<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x624 y4273 w380 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x625 y426b w381 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">38.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x626 y426b w382 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">8<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x627 y431e w383 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">18<span class=\"_ _0\"></span>5.0<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x628 y426d w384 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">13<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3f8\">The Director<span class=\"_ _4\"></span>s recommend a final dividend of \u00a3<span><span class=\"gs3f9\" id=\"__5\">85. 7</span></span><span class=\"_ _4\"></span>m, <span>21.8</span> pence per share (<span class=\"_ _4\"></span>2022: \u00a3<span>93.7</span><span class=\"_ _1\"></span>m, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3fa\"><span>21.8</span> pence per shar<span class=\"_ _4\"></span>e) payable on 14 May 2024 with an ex<span class=\"_ _4\"></span>-dividend date of 4 April 2024 and a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3fb\">record dat<span class=\"_ _4\"></span>e of 5 April 2024<span class=\"_ _4\"></span>. This dividend is not reflecte<span class=\"_ _4\"></span>d in these financial statement<span class=\"_ _4\"></span>s as it is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3fc\">subject to appro<span class=\"_ _4\"></span>val by shareholders at the A<span class=\"_ _4\"></span>GM on 9 May 2024<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3fd\">No special dividend has been announced (2022: \u00a350<span class=\"_ _4\"></span>.3m, 11.7 pence per shar<span class=\"_ _4\"></span>e).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3fe\">If the final dividend is approv<span class=\"_ _4\"></span>ed this will mak<span class=\"_ _4\"></span>e up the total dividend for 202<span class=\"_ _4\"></span>3 of \u00a3126.<span class=\"_ _4\"></span>6m, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs3ff\"><span><span class=\"gs3f9\" id=\"__6\">32. 0</span></span><span class=\"_ gs27\"> </span>pence per share (2022: \u00a3182.<span class=\"_ _4\"></span>0m, <span>42.2</span> pence per share).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs400\">A summary of the Company\u2019<span class=\"_ _1\"></span>s distribut<span class=\"_ _4\"></span>able reserves is shown belo<span class=\"_ _4\"></span>w:<span class=\"_ _311\"> </span></div><div class=\"gs401\"><table class=\"s w36c hb4\" id=\"_7bb711dd-0616-4898-ac11-dc086832ebc0\"><tr><td></td><td class=\"t m0 x288 h2e y440d ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y440d ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y440e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y440e ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b wc6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Retained e<span class=\"_ _4\"></span>arnings<span class=\"_ _311\"> </span></div></td><td class=\"c n x610 y431a w36d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">1,358.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x611 y431b w36e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y440f ff4 fs3 fc5 sc0 ls1 ws0\">Own shares<span class=\"_ _311\"> </span></td><td class=\"c n x5f4 y4321 w36f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">(1.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x612 y426b wff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w370 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Distributable reserves<span class=\"_ _311\"> </span></div></td><td class=\"c n x613 y426c w371 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x614 y426d w372 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs402\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs403\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>O<span class=\"_ _0\"></span>wn Sh<span class=\"_ _0\"></span>ares co<span class=\"_ _0\"></span>mpris<span class=\"_ _0\"></span>es own s<span class=\"_ _0\"></span>hares h<span class=\"_ _0\"></span>eld in th<span class=\"_ _0\"></span>e Group\u2019s EBT of \u00a3<span class=\"_ _0\"></span>1.0m (2022: \u00a32<span class=\"_ _0\"></span>.2m) which ar<span class=\"_ _0\"></span>e reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d withi<span class=\"_ _0\"></span>n OSBG </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs404\">under look<span class=\"_ _1\"></span>-throug<span class=\"_ _4\"></span>h accounting.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs405\">Further additional distributable reserves can be r<span class=\"_ _4\"></span>ealised ov<span class=\"_ _4\"></span>er time from dividend receipts from </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs406\">profit<span class=\"_ _4\"></span>s generated from the subsidiaries including tw<span class=\"_ _4\"></span>o regulated bank<span class=\"_ _4\"></span>s within the Group. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-16": {
   "value": "85700000",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-17": {
   "value": "0.218",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "fact-14": {
   "value": "93700000",
   "decimals": -5,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "fact-15": {
   "value": "0.218",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "fact-18": {
   "value": "0.32",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "fact-13": {
   "value": "0.422",
   "decimals": 3,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:GBP/xbrli:shares"
   }
  },
  "fact-435": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs408\">14<span class=\"_ _4\"></span>. <span class=\"_ _33\"> </span>Cash and c<span class=\"_ _0\"></span>ash equiv<span class=\"_ _4\"></span>alents<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs409\">The follo<span class=\"_ _4\"></span>wing table analyses the cash and cash equivalent<span class=\"_ _4\"></span>s disclosed in the Consolidated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs40a\">Statemen<span class=\"_ _4\"></span>t of Cash Flows: </div><div class=\"gs3c0\"><table class=\"s w385 hc3\" id=\"_7234062c-c45d-4937-b854-09c2f6d65914\"><tr><td></td><td class=\"t m0 x296 h2e y4414 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4414 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4415 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4415 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 w5d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n x29a y4416 w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x29b y4266 w5f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w386 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered loans and adv<span class=\"_ _4\"></span>ances to credit institutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x629 y4417 w387 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">2,<span class=\"_ _0\"></span>513.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x62a y431b wc8 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x62b y431c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x62c y431d w388 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">9<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x62d y431e w389 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">2,<span class=\"_ _0\"></span>514.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x62e y426d w16a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>4.1</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-436": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs40c\">15. <span class=\"_ _2\"></span>Loans and advances to credit institutions<span class=\"_ _311\"> </span></div><div class=\"gs320\"><table class=\"s w16e hcd\" id=\"_759d4003-bbc3-48d2-8e99-65928d410793\"><tr><td></td><td class=\"t m0 x296 h2e y4418 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4418 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4419 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4419 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y441a ff1 fs3 fc5 sc0 ls1 ws0\">Unencumbered:<span class=\"_ _8d\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y441b w38a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">BoE call account<span class=\"_ _311\"> </span></div></td><td class=\"c n x62f y441c w38b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x630 y441b w38c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y441d w38d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Call accounts<span class=\"_ _311\"> </span></div></td><td class=\"c n x631 y441e w38e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">92.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x632 y441d w346 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">73.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y441f ff4 fs3 fc5 sc0 ls1 ws0\">Cash held in special purpose vehicles (SPV<span class=\"_ _1\"></span>s)<span class=\"_ _311\"> </span></td><td class=\"c n x633 y4420 w38f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x634 y4421 w390 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">63.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4422 w391 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>erm deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x635 y4423 w392 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x636 y4422 w393 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4424 ff1 fs3 fc5 sc0 ls1 ws0\">Encumbered:<span class=\"_ _283\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4425 w394 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">BoE cash ratio deposit<span class=\"_ _311\"> </span></div></td><td class=\"c n x637 y4426 w395 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x638 y4425 w396 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">62.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4427 ff4 fs3 fc5 sc0 ls1 ws0\">Cash held in SPV<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x639 y4428 w187 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">31.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x63a y4429 w397 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5a ws5e\">111<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w398 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash margin giv<span class=\"_ _4\"></span>en<span class=\"_ _311\"> </span></div></td><td class=\"c n x63b y426a w399 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">198<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x63c y426b w39a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x62d y426c w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x63d y426d w63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,365<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs40d\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs40e\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs40f\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>ash he<span class=\"_ _0\"></span>ld in SP<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>s i<span class=\"_ _0\"></span>s ring-fenc<span class=\"_ _0\"></span>ed for u<span class=\"_ _0\"></span>se in man<span class=\"_ _0\"></span>aging t<span class=\"_ _0\"></span>he Group\u2019s sec<span class=\"_ _0\"></span>uritis<span class=\"_ _0\"></span>ed de<span class=\"_ _0\"></span>bt facil<span class=\"_ _0\"></span>ities un<span class=\"_ _0\"></span>der th<span class=\"_ _0\"></span>e terms of </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs410\">se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n agree<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s. Cash h<span class=\"_ _0\"></span>eld in S<span class=\"_ _0\"></span>PVs is tre<span class=\"_ _0\"></span>ated as un<span class=\"_ _0\"></span>encu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d in prop<span class=\"_ _0\"></span>ort<span class=\"_ _0\"></span>ion to the r<span class=\"_ _0\"></span>etaine<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in the </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs411\">SP<span class=\"_ _0\"></span>V<span class=\"_ _1\"></span>, b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on the no<span class=\"_ _0\"></span>minal va<span class=\"_ _0\"></span>lue of the b<span class=\"_ _0\"></span>onds h<span class=\"_ _0\"></span>eld by th<span class=\"_ _0\"></span>e Group to to<span class=\"_ _0\"></span>tal bon<span class=\"_ _0\"></span>ds in the s<span class=\"_ _0\"></span>ecuri<span class=\"_ _0\"></span>tisati<span class=\"_ _0\"></span>on, and i<span class=\"_ _0\"></span>s includ<span class=\"_ _0\"></span>ed </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs412\">in ca<span class=\"_ _0\"></span>sh and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts. Ca<span class=\"_ _0\"></span>sh retain<span class=\"_ _0\"></span>ed in SP<span class=\"_ _0\"></span>Vs desig<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>s cash re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve cre<span class=\"_ _0\"></span>dit enh<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>ment is t<span class=\"_ _0\"></span>reate<span class=\"_ _0\"></span>d as </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs413\">enc<span class=\"_ _0\"></span>umbe<span class=\"_ _0\"></span>red in pro<span class=\"_ _0\"></span>por<span class=\"_ _0\"></span>tion to th<span class=\"_ _0\"></span>e exte<span class=\"_ _0\"></span>rnal ho<span class=\"_ _0\"></span>lding<span class=\"_ _0\"></span>s in the SP<span class=\"_ _0\"></span>V and excl<span class=\"_ _0\"></span>uded f<span class=\"_ _0\"></span>rom cas<span class=\"_ _0\"></span>h and cas<span class=\"_ _0\"></span>h equi<span class=\"_ _0\"></span>valent<span class=\"_ _0\"></span>s. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-519": {
   "value": "15. <span class=\"_ _2\"></span>Loans and advances to credit institutions<span class=\"_ _311\"> </span><table class=\"s w16e hcd\" id=\"_759d4003-bbc3-48d2-8e99-65928d410793\"><tr><td></td><td class=\"t m0 x296 h2e y4418 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4418 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4419 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4419 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y441a ff1 fs3 fc5 sc0 ls1 ws0\">Unencumbered:<span class=\"_ _8d\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y441b w38a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">BoE call account<span class=\"_ _311\"> </span></div></td><td class=\"c n x62f y441c w38b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x630 y441b w38c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y441d w38d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Call accounts<span class=\"_ _311\"> </span></div></td><td class=\"c n x631 y441e w38e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">92.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x632 y441d w346 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">73.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y441f ff4 fs3 fc5 sc0 ls1 ws0\">Cash held in special purpose vehicles (SPV<span class=\"_ _1\"></span>s)<span class=\"_ _311\"> </span></td><td class=\"c n x633 y4420 w38f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x634 y4421 w390 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">63.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4422 w391 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>erm deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x635 y4423 w392 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x636 y4422 w393 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4424 ff1 fs3 fc5 sc0 ls1 ws0\">Encumbered:<span class=\"_ _283\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4425 w394 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">BoE cash ratio deposit<span class=\"_ _311\"> </span></div></td><td class=\"c n x637 y4426 w395 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x638 y4425 w396 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">62.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4427 ff4 fs3 fc5 sc0 ls1 ws0\">Cash held in SPV<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x639 y4428 w187 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">31.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x63a y4429 w397 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5a ws5e\">111<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w398 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash margin giv<span class=\"_ _4\"></span>en<span class=\"_ _311\"> </span></div></td><td class=\"c n x63b y426a w399 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">198<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x63c y426b w39a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x62d y426c w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x63d y426d w63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,365<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>ash he<span class=\"_ _0\"></span>ld in SP<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>s i<span class=\"_ _0\"></span>s ring-fenc<span class=\"_ _0\"></span>ed for u<span class=\"_ _0\"></span>se in man<span class=\"_ _0\"></span>aging t<span class=\"_ _0\"></span>he Group\u2019s sec<span class=\"_ _0\"></span>uritis<span class=\"_ _0\"></span>ed de<span class=\"_ _0\"></span>bt facil<span class=\"_ _0\"></span>ities un<span class=\"_ _0\"></span>der th<span class=\"_ _0\"></span>e terms of se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n agree<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s. Cash h<span class=\"_ _0\"></span>eld in S<span class=\"_ _0\"></span>PVs is tre<span class=\"_ _0\"></span>ated as un<span class=\"_ _0\"></span>encu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d in prop<span class=\"_ _0\"></span>ort<span class=\"_ _0\"></span>ion to the r<span class=\"_ _0\"></span>etaine<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in the SP<span class=\"_ _0\"></span>V<span class=\"_ _1\"></span>, b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on the no<span class=\"_ _0\"></span>minal va<span class=\"_ _0\"></span>lue of the b<span class=\"_ _0\"></span>onds h<span class=\"_ _0\"></span>eld by th<span class=\"_ _0\"></span>e Group to to<span class=\"_ _0\"></span>tal bon<span class=\"_ _0\"></span>ds in the s<span class=\"_ _0\"></span>ecuri<span class=\"_ _0\"></span>tisati<span class=\"_ _0\"></span>on, and i<span class=\"_ _0\"></span>s includ<span class=\"_ _0\"></span>ed in ca<span class=\"_ _0\"></span>sh and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts. Ca<span class=\"_ _0\"></span>sh retain<span class=\"_ _0\"></span>ed in SP<span class=\"_ _0\"></span>Vs desig<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>s cash re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve cre<span class=\"_ _0\"></span>dit enh<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>ment is t<span class=\"_ _0\"></span>reate<span class=\"_ _0\"></span>d as enc<span class=\"_ _0\"></span>umbe<span class=\"_ _0\"></span>red in pro<span class=\"_ _0\"></span>por<span class=\"_ _0\"></span>tion to th<span class=\"_ _0\"></span>e exte<span class=\"_ _0\"></span>rnal ho<span class=\"_ _0\"></span>lding<span class=\"_ _0\"></span>s in the SP<span class=\"_ _0\"></span>V and excl<span class=\"_ _0\"></span>uded f<span class=\"_ _0\"></span>rom cas<span class=\"_ _0\"></span>h and cas<span class=\"_ _0\"></span>h equi<span class=\"_ _0\"></span>valent<span class=\"_ _0\"></span>s. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-484": {
   "value": "15. <span class=\"_ _2\"></span>Loans and advances to credit institutions<span class=\"_ _311\"> </span><table class=\"s w16e hcd\" id=\"_759d4003-bbc3-48d2-8e99-65928d410793\"><tr><td></td><td class=\"t m0 x296 h2e y4418 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4418 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4419 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4419 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y441a ff1 fs3 fc5 sc0 ls1 ws0\">Unencumbered:<span class=\"_ _8d\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y441b w38a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">BoE call account<span class=\"_ _311\"> </span></div></td><td class=\"c n x62f y441c w38b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x630 y441b w38c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y441d w38d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Call accounts<span class=\"_ _311\"> </span></div></td><td class=\"c n x631 y441e w38e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">92.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x632 y441d w346 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">73.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y441f ff4 fs3 fc5 sc0 ls1 ws0\">Cash held in special purpose vehicles (SPV<span class=\"_ _1\"></span>s)<span class=\"_ _311\"> </span></td><td class=\"c n x633 y4420 w38f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x634 y4421 w390 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">63.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4422 w391 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>erm deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x635 y4423 w392 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x636 y4422 w393 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4424 ff1 fs3 fc5 sc0 ls1 ws0\">Encumbered:<span class=\"_ _283\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4425 w394 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">BoE cash ratio deposit<span class=\"_ _311\"> </span></div></td><td class=\"c n x637 y4426 w395 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x638 y4425 w396 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">62.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4427 ff4 fs3 fc5 sc0 ls1 ws0\">Cash held in SPV<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x639 y4428 w187 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">31.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x63a y4429 w397 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5a ws5e\">111<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w398 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash margin giv<span class=\"_ _4\"></span>en<span class=\"_ _311\"> </span></div></td><td class=\"c n x63b y426a w399 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">198<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x63c y426b w39a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x62d y426c w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x63d y426d w63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">3,365<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>ash he<span class=\"_ _0\"></span>ld in SP<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>s i<span class=\"_ _0\"></span>s ring-fenc<span class=\"_ _0\"></span>ed for u<span class=\"_ _0\"></span>se in man<span class=\"_ _0\"></span>aging t<span class=\"_ _0\"></span>he Group\u2019s sec<span class=\"_ _0\"></span>uritis<span class=\"_ _0\"></span>ed de<span class=\"_ _0\"></span>bt facil<span class=\"_ _0\"></span>ities un<span class=\"_ _0\"></span>der th<span class=\"_ _0\"></span>e terms of se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n agree<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s. Cash h<span class=\"_ _0\"></span>eld in S<span class=\"_ _0\"></span>PVs is tre<span class=\"_ _0\"></span>ated as un<span class=\"_ _0\"></span>encu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d in prop<span class=\"_ _0\"></span>ort<span class=\"_ _0\"></span>ion to the r<span class=\"_ _0\"></span>etaine<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in the SP<span class=\"_ _0\"></span>V<span class=\"_ _1\"></span>, b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on the no<span class=\"_ _0\"></span>minal va<span class=\"_ _0\"></span>lue of the b<span class=\"_ _0\"></span>onds h<span class=\"_ _0\"></span>eld by th<span class=\"_ _0\"></span>e Group to to<span class=\"_ _0\"></span>tal bon<span class=\"_ _0\"></span>ds in the s<span class=\"_ _0\"></span>ecuri<span class=\"_ _0\"></span>tisati<span class=\"_ _0\"></span>on, and i<span class=\"_ _0\"></span>s includ<span class=\"_ _0\"></span>ed in ca<span class=\"_ _0\"></span>sh and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts. Ca<span class=\"_ _0\"></span>sh retain<span class=\"_ _0\"></span>ed in SP<span class=\"_ _0\"></span>Vs desig<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>s cash re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve cre<span class=\"_ _0\"></span>dit enh<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>ment is t<span class=\"_ _0\"></span>reate<span class=\"_ _0\"></span>d as enc<span class=\"_ _0\"></span>umbe<span class=\"_ _0\"></span>red in pro<span class=\"_ _0\"></span>por<span class=\"_ _0\"></span>tion to th<span class=\"_ _0\"></span>e exte<span class=\"_ _0\"></span>rnal ho<span class=\"_ _0\"></span>lding<span class=\"_ _0\"></span>s in the SP<span class=\"_ _0\"></span>V and excl<span class=\"_ _0\"></span>uded f<span class=\"_ _0\"></span>rom cas<span class=\"_ _0\"></span>h and cas<span class=\"_ _0\"></span>h equi<span class=\"_ _0\"></span>valent<span class=\"_ _0\"></span>s. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-529": {
   "value": "1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>C<span class=\"_ _0\"></span>ash he<span class=\"_ _0\"></span>ld in SP<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>s i<span class=\"_ _0\"></span>s ring-fenc<span class=\"_ _0\"></span>ed for u<span class=\"_ _0\"></span>se in man<span class=\"_ _0\"></span>aging t<span class=\"_ _0\"></span>he Group\u2019s sec<span class=\"_ _0\"></span>uritis<span class=\"_ _0\"></span>ed de<span class=\"_ _0\"></span>bt facil<span class=\"_ _0\"></span>ities un<span class=\"_ _0\"></span>der th<span class=\"_ _0\"></span>e terms of se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n agree<span class=\"_ _0\"></span>ment<span class=\"_ _0\"></span>s. Cash h<span class=\"_ _0\"></span>eld in S<span class=\"_ _0\"></span>PVs is tre<span class=\"_ _0\"></span>ated as un<span class=\"_ _0\"></span>encu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d in prop<span class=\"_ _0\"></span>ort<span class=\"_ _0\"></span>ion to the r<span class=\"_ _0\"></span>etaine<span class=\"_ _0\"></span>d intere<span class=\"_ _0\"></span>st in the SP<span class=\"_ _0\"></span>V<span class=\"_ _1\"></span>, b<span class=\"_ _0\"></span>ase<span class=\"_ _0\"></span>d on the no<span class=\"_ _0\"></span>minal va<span class=\"_ _0\"></span>lue of the b<span class=\"_ _0\"></span>onds h<span class=\"_ _0\"></span>eld by th<span class=\"_ _0\"></span>e Group to to<span class=\"_ _0\"></span>tal bon<span class=\"_ _0\"></span>ds in the s<span class=\"_ _0\"></span>ecuri<span class=\"_ _0\"></span>tisati<span class=\"_ _0\"></span>on, and i<span class=\"_ _0\"></span>s includ<span class=\"_ _0\"></span>ed in ca<span class=\"_ _0\"></span>sh and ca<span class=\"_ _0\"></span>sh equi<span class=\"_ _0\"></span>vale<span class=\"_ _0\"></span>nts. Ca<span class=\"_ _0\"></span>sh retain<span class=\"_ _0\"></span>ed in SP<span class=\"_ _0\"></span>Vs desig<span class=\"_ _0\"></span>nated a<span class=\"_ _0\"></span>s cash re<span class=\"_ _0\"></span>ser<span class=\"_ _0\"></span>ve cre<span class=\"_ _0\"></span>dit enh<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>ment is t<span class=\"_ _0\"></span>reate<span class=\"_ _0\"></span>d as enc<span class=\"_ _0\"></span>umbe<span class=\"_ _0\"></span>red in pro<span class=\"_ _0\"></span>por<span class=\"_ _0\"></span>tion to th<span class=\"_ _0\"></span>e exte<span class=\"_ _0\"></span>rnal ho<span class=\"_ _0\"></span>lding<span class=\"_ _0\"></span>s in the SP<span class=\"_ _0\"></span>V and excl<span class=\"_ _0\"></span>uded f<span class=\"_ _0\"></span>rom cas<span class=\"_ _0\"></span>h and cas<span class=\"_ _0\"></span>h equi<span class=\"_ _0\"></span>valent<span class=\"_ _0\"></span>s. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRestrictedCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-437": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs415\">16. <span class=\"_ _33\"></span>In<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t se<span class=\"_ _0\"></span>curities<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w259 hce\" id=\"_c8c53ec5-019e-45fb-9a0a-d50601180e76\"><tr><td></td><td class=\"t m0 x288 h2e y442a ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y442a ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y442b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y442b ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y442c ff1 fs3 fc5 sc0 ls1 ws0\">Held at amortise<span class=\"_ _0\"></span>d cost:<span class=\"_ _284\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y43fe w39c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">RMBS loan notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x63e y43ff w39d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x63f y43fe w39e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls44 ws6d\">262.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4402 w39f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Less: E<span class=\"_ _4\"></span>xpected credit losses<span class=\"_ _311\"> </span></div></td><td class=\"c n x640 y4401 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x641 y4402 wb0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4e3 y4403 w3a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x642 y4404 w3a1 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">262<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y442d ff1 fs3 fc5 sc0 ls1 ws0\">Held at FVOCI:<span class=\"_ _1c9\"> </span> </td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y442e ff4 fs3 fc5 sc0 ls1 ws0\">UK Sov<span class=\"_ _4\"></span>ereign debt<span class=\"_ _311\"> </span></td><td class=\"c n x4de y442f w3a2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x643 y4430 w3a3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4431 ff1 fs3 fc5 sc0 ls1 ws0\">Held at FV<span class=\"_ _0\"></span>TPL:<span class=\"_ _286\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w39c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">RMBS loan notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x644 y4321 w3a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x645 y426b w3a5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x646 y431e w3a6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">621.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x26d y426d w67 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs416\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs417\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>n 2022, inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s \u00a390.0<span class=\"_ _0\"></span>m of UK T<span class=\"_ _4\"></span>re<span class=\"_ _0\"></span>asur<span class=\"_ _0\"></span>y bills wh<span class=\"_ _0\"></span>ich had a m<span class=\"_ _0\"></span>aturity o<span class=\"_ _0\"></span>f less th<span class=\"_ _0\"></span>an thre<span class=\"_ _0\"></span>e months f<span class=\"_ _0\"></span>rom date o<span class=\"_ _0\"></span>f acqui<span class=\"_ _0\"></span>sition<span class=\"_ _0\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs418\">At 31 December 2023<span class=\"_ _4\"></span>, the Group had no RMBS held at FV<span class=\"_ _4\"></span>OCI or FV<span class=\"_ _0\"></span>TPL or at amortised cos<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs419\">(2022: \u00a311.<span class=\"_ _4\"></span>5m held at amor<span class=\"_ _0\"></span>tised cos<span class=\"_ _4\"></span>t) sold under repos<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs41a\">The Director<span class=\"_ _4\"></span>s consider that the primary purpose of holding inves<span class=\"_ _4\"></span>tment securities is prudential. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs41b\">These securities are held as liquid assets with the in<span class=\"_ _4\"></span>tention of use on a continuing basis in the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs41c\">Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s activities and are classified as amortised cost, FV<span class=\"_ _1\"></span>OCI and F<span class=\"_ _0\"></span>VTPL in accordance with </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs41d\">the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s business model for each security.<span class=\"_ gs41e\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs41f\">The credit risk on in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities held at amor<span class=\"_ _0\"></span>tised cos<span class=\"_ _4\"></span>t has not significantly increased </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs420\">since initial recognition and are cat<span class=\"_ _4\"></span>egorised as stage 1. A<span class=\"_ _4\"></span>t 31 December 2023, the Group had </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs421\">no ECL (<span class=\"_ _4\"></span>2022: less than \u00a30<span class=\"_ _4\"></span>.1m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs423\">Mov<span class=\"_ _4\"></span>ements during the year in inv<span class=\"_ _4\"></span>estment securities held by the Gr<span class=\"_ _4\"></span>oup are analysed as follow<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span></div><div class=\"gs424\"><table class=\"s w3a7 hcf\" id=\"_5e77706e-1e2a-48d7-8956-e313cb772e2e\"><tr><td></td><td class=\"t m0 x296 h2e y4432 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4432 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4433 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4433 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y43e2 w3a8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x647 y4434 w3a9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">41<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x648 y43e2 w3aa ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x649 h16 y4435 ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x64a y43aa w3ab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">664.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x64b y4264 w3ac ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5c ws60\">686.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x649 h16 y4436 ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and maturities<span class=\"_ _311\"> </span></td><td class=\"c n x64c y4416 w3ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(4<span class=\"_ _0\"></span>56.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x64d y4266 w3ae ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _2\"></span>76<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x279 y4268 w3af ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in accrued interes<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x64e y4334 w3b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x64f y4268 w336 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x279 y426b w3b1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Changes in fair value<span class=\"_ _311\"> </span></div></td><td class=\"c n x650 y4321 w3b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x651 y426b w3b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x564 y431e w3b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">621.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x652 y426d w3b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs425\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs426\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs427\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>I<span class=\"_ _0\"></span>n 2023 the<span class=\"_ _0\"></span>re were ad<span class=\"_ _0\"></span>ditio<span class=\"_ _0\"></span>ns of \u00a323<span class=\"_ _0\"></span>3.<span class=\"_ _4\"></span>9m of U<span class=\"_ _0\"></span>K T<span class=\"_ _4\"></span>rea<span class=\"_ _0\"></span>sury bil<span class=\"_ _0\"></span>ls whic<span class=\"_ _0\"></span>h had a mat<span class=\"_ _0\"></span>urity of le<span class=\"_ _0\"></span>ss than t<span class=\"_ _0\"></span>hree mo<span class=\"_ _0\"></span>nths fro<span class=\"_ _0\"></span>m </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs428\">date o<span class=\"_ _0\"></span>f acqui<span class=\"_ _0\"></span>sition (20<span class=\"_ _0\"></span>22: \u00a39<span class=\"_ _0\"></span>0.0m)<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs429\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>D<span class=\"_ _0\"></span>ispo<span class=\"_ _0\"></span>sals and m<span class=\"_ _0\"></span>aturit<span class=\"_ _0\"></span>ies inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s \u00a3323<span class=\"_ _0\"></span>.<span class=\"_ _4\"></span>9m of UK Treas<span class=\"_ _0\"></span>ury bill<span class=\"_ _0\"></span>s which h<span class=\"_ _0\"></span>ad a matu<span class=\"_ _0\"></span>rity of le<span class=\"_ _0\"></span>ss than th<span class=\"_ _0\"></span>ree mo<span class=\"_ _0\"></span>nths from </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs42a\">date o<span class=\"_ _0\"></span>f acqui<span class=\"_ _0\"></span>sition (20<span class=\"_ _0\"></span>22: \u00a310<span class=\"_ _0\"></span>0.0m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs42b\">At 31 December 2023<span class=\"_ _4\"></span>, inves<span class=\"_ _4\"></span>tment securities included inv<span class=\"_ _4\"></span>estment<span class=\"_ _4\"></span>s in unconsolidated structure<span class=\"_ _4\"></span>d </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs42c\">entities (see note 44) o<span class=\"_ _4\"></span>f \u00a3<span class=\"_ _0\"></span>100<span class=\"_ _1\"></span>.7<span class=\"_ _4\"></span>m notes in PMF 2020-<span class=\"_ _4\"></span>1B (2022: \u00a3100<span class=\"_ _4\"></span>.7<span class=\"_ _4\"></span>m notes in PMF 2020-<span class=\"_ _4\"></span>1B). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs42d\">The inv<span class=\"_ _4\"></span>estments r<span class=\"_ _4\"></span>epresent the maximum exposur<span class=\"_ _4\"></span>e to loss from unconsolidated s<span class=\"_ _4\"></span>tructured entities<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-438": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs42f\">17<span class=\"_ _3d\"></span>. <span class=\"_ _3a\"> </span>Loans and advances to customers<span class=\"_ _311\"> </span></div><div class=\"gs430\"><table class=\"s w3b7 hbc\" id=\"_8c215db0-137e-48ed-a1b3-fc29b1b8e86e\"><tr><td></td><td class=\"t m0 x296 h2e y4437 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4437 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4438 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4438 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4439 ff1 fs3 fc5 sc0 ls1 ws0\">Held at amortise<span class=\"_ _0\"></span>d cost:<span class=\"_ _284\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y443a w3b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances (see note 18)<span class=\"_ _311\"> </span></div></td><td class=\"c n x653 y443b w3b9 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">25,674.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x654 y443a w3ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 w3bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Finance leases (see note 19)<span class=\"_ _311\"> </span></div></td><td class=\"c n x655 y443c w3bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">222.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x656 y4391 w3bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">163<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x657 y440a w3be ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x658 y432f w3bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">23,7<span class=\"_ _4\"></span>28<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w3c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Less: E<span class=\"_ _4\"></span>xpected credit losses (see note 20<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x659 y4265 w3c1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(1<span class=\"_ _0\"></span>45.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x65a y4264 w3c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1<span class=\"_ _0\"></span>30.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x65b y440b w3c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">25<span class=\"_ _0\"></span>,751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x65c y4271 w3c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">23,598.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y443d ff1 fs3 fc5 sc0 ls1 ws0\">Held at FV<span class=\"_ _0\"></span>TPL:<span class=\"_ _286\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y426b w3c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Residential mortgages<span class=\"_ _311\"> </span></div></td><td class=\"c n x65d y426a w1a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x65e y426b w3c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x65f y426c w6a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x660 y426d w3c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,612<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs431\">18. <span class=\"_ _2\"></span>Loans and advances<span class=\"_ _311\"> </span></div><div class=\"gs432\"><table class=\"s w3d0 hd1\" id=\"_742865dd-84e6-4e21-b96a-fde2bbbc7f13\"><tr><td></td><td></td><td class=\"c n x668 y4440 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x669 y4440 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x66a h2e y4441 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66b h2e y4441 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x66c h2e y4441 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4441 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66e h2b y4441 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4441 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x66f h2e y4442 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x670 h2e y4442 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x538 h2e y4442 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x671 h2b y4442 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y4442 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4442 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4443 ff4 fs3 fc5 sc0 ls1 ws0\">Gross carrying amount<span class=\"_ _7c\"> </span><span class=\"ff1\"> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _1a5\"> </span></span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4331 w3d1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x673 y4444 w3d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,0<span class=\"_ _0\"></span>48.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x674 y4444 w3d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x675 y4444 w3d4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,362.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x676 y4331 w3d5 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x677 y4331 w3d6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">8,375.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x678 y4331 w3d7 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">18,563.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w3d8 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x679 y4270 w3d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">2,<span class=\"_ _0\"></span>712.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x67a y4270 w3da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x67b y4270 w3db ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">4,5<span class=\"_ _0\"></span>31.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x67c y4271 w3dc ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x67d y4271 w3dd ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x67e y4271 w3de ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">4<span class=\"_ _0\"></span>,416<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x67f y4334 w3e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">4<span class=\"_ _0\"></span>91<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x680 y4334 w22 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x681 y4334 w3e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">709<span class=\"_ _1\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x682 y4268 w3e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5e ws62\">3<span class=\"_ _0\"></span>45.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x683 y4268 w3e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">156.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x684 y4268 w1b2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">5<span class=\"_ _0\"></span>01.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n x685 y4321 w3e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x686 y4321 w3e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x687 y4321 w3e7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">70<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x688 y426b w3e8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">38.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x689 y426b w19f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x68a y426b w3e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">8<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x68b y431e w3ea ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">14,286.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x68c y431e w3eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x68d y431e w3ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">25,674.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x68e y426d w3ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">13,081.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x68f y426d w3ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x690 y426d w3ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">23,564.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs433\">The mortgage loan balances pledged as collater<span class=\"_ _4\"></span>al for liabilities are:<span class=\"_ _311\"> </span></div><div class=\"gs434\"><table class=\"s w259 hd0\" id=\"_dfd12063-6f8f-4928-8b05-8f8afc77a87c\"><tr><td></td><td class=\"t m0 x661 h2b y443e ff2 fs16 fc5 sc0 ls39 wscf\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y443e ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4a4 h2b y443f ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y443f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w3c8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">BoE under TFSME and IL<span class=\"_ _1\"></span>TR<span class=\"_ _311\"> </span></div></td><td class=\"c n x662 y4268 w3c9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x663 y4268 w3ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">6<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Securitisation<span class=\"_ _311\"> </span></div></td><td class=\"c n x664 y426b w3cc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">8<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x665 y426b w3cd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x666 y426d w3ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x667 y426d w3cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">6,<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs435\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes and use of TFSME and IL<span class=\"_ _1\"></span>TR result in certain assets being </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs436\">encumbered as collater<span class=\"_ _4\"></span>al against such funding. As at 31 December 2023<span class=\"_ _4\"></span>, the percentage of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs437\">Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s gross loans and advances t<span class=\"_ _4\"></span>o customers that ar<span class=\"_ _4\"></span>e encumbered was 2<span class=\"_ _4\"></span>7% (2022: 28%).<span class=\"_ _311\"> </span></div>The table belo<span class=\"_ _4\"></span>w show the mov<span class=\"_ _4\"></span>ement in loans and advances to cus<span class=\"_ _4\"></span>tomers by IFRS 9 s<span class=\"_ _4\"></span>tage during the year:<span class=\"_ _311\"> </span><table class=\"s w3f0 hd2\" id=\"_5fef9460-84e4-469a-a50b-52f246ecfb18\"><tr><td></td><td class=\"t m0 x691 h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fd h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></td><td class=\"t m0 x692 h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></td><td class=\"t m0 x693 h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y4445 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x694 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x695 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x696 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4447 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x698 y4447 w3f1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>07<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x699 y4447 w3f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,4<span class=\"_ _4\"></span>12.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x69a y4447 w3f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x69b y4447 w3f4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x69c y4447 w3f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4448 ff4 fs3 fc5 sc0 ls1 ws0\">Originations<span class=\"_ _311\"> </span></td><td class=\"c n x69d y4449 w3f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,829<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x69e y4449 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x69f y4449 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a0 y4449 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a1 y4449 w3f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,829<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y444a ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y444b ff4 fs3 fc5 sc0 ls1 ws0\">and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x6a2 y444c w3f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(2,<span class=\"_ _0\"></span>85<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a3 y444c w3f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>35<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a4 y444c w3f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a5 y444c w3fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4.4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a6 y444c w3fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>12.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y444d ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y444e w3fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a7 y444e w3fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,121.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a8 y444e w3fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(1,098<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a9 y444e w3ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">(23.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6aa y444e w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ab y444e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y444f w400 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ac y444f w401 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(3<span class=\"_ _0\"></span>,52<span class=\"_ _0\"></span>4.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ad y444f w402 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,<span class=\"_ _4\"></span>574.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ae y444f w403 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6af y444f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b0 y444f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4450 w404 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b1 y4450 w405 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b2 y4450 w406 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">(118<span class=\"_ _0\"></span>.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b3 y4450 w407 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">20<span class=\"_ _0\"></span>5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6af y4450 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b0 y4450 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4451 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b4 y4451 w408 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls60 ws64\">18,563.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b5 y4451 w409 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">4,4<span class=\"_ _0\"></span>16<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b6 y4451 w1b2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">50<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b7 y4451 w40a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">8<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b8 y4451 w40b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4452 ff4 fs3 fc5 sc0 ls1 ws0\">Originations<span class=\"_ _311\"> </span></td><td class=\"c n x69d y4453 w40c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">4,56<span class=\"_ _4\"></span>1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b9 y4453 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ba y4453 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6bb y4453 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6bc y4453 w40d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">4,56<span class=\"_ _4\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4454 ff4 fs3 fc5 sc0 ls1 ws0\">Acquisitions<span class=\"_ _311\"> </span></td><td class=\"c n x6bd y4455 w40e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">175.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x6be y4455 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6bf y4455 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c0 y4455 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c1 y4455 w40f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">175.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4456 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4457 ff4 fs3 fc5 sc0 ls1 ws0\">and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x6c2 y4458 w410 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>,041.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c3 y4458 w411 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls77 ws7d\">(4<span class=\"_ _4\"></span>4<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c4 y4458 w412 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">(127<span class=\"_ _1\"></span>.<span class=\"_ _4\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c5 y4458 w413 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c6 y4458 w414 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">(2,628.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4459 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer<span class=\"_ _4\"></span>s:<span class=\"_ _277\"> </span><span class=\"ff1\"> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y445a w3fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c7 y445b w415 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">1,<span class=\"_ _0\"></span>534.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c8 y445b w416 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(1<span class=\"_ _0\"></span>,5<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c9 y445b w33d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(1<span class=\"_ _0\"></span>4.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ca y445b w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cb y445b w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e9 w400 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cc y4268 w417 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cd y4268 w418 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ce y4268 w419 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">(48.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cf y4268 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d0 y4268 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea w404 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d1 y426b w41a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>33.<span class=\"_ _0\"></span>0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d2 y426b w41b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>64.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d3 y426b w41c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d4 y426b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d5 y426b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d6 y426d w41d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">20,362.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d7 y426d w41e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">4,531.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d8 y426d w41f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">709<span class=\"_ _1\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d9 y426d w420 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">7<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6da y426d w421 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">25,674.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>Originations inc<span class=\"_ _0\"></span>lude further advan<span class=\"_ _0\"></span>ces and drawdowns on existing commitment<span class=\"_ _0\"></span>s. 2. <span class=\"_ _38\"> </span>Rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts and w<span class=\"_ _0\"></span>rite-o<span class=\"_ _0\"></span>ffs i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>e custo<span class=\"_ _0\"></span>mer re<span class=\"_ _0\"></span>dempti<span class=\"_ _0\"></span>ons and \u00a3<span class=\"_ _0\"></span>33.<span class=\"_ _0\"></span>6m (2022: \u00a32.1m) of write<span class=\"_ _0\"></span>-of<span class=\"_ _0\"></span>fs duri<span class=\"_ _0\"></span>ng the ye<span class=\"_ _0\"></span>ar<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he Group r<span class=\"_ _0\"></span>epurc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d \u00a3175.<span class=\"_ _0\"></span>8m of own o<span class=\"_ _0\"></span>rigina<span class=\"_ _0\"></span>ted UK r<span class=\"_ _0\"></span>eside<span class=\"_ _0\"></span>ntial an<span class=\"_ _0\"></span>d buy to let m<span class=\"_ _0\"></span>ortg<span class=\"_ _0\"></span>ages f<span class=\"_ _0\"></span>rom de<span class=\"_ _0\"></span>cons<span class=\"_ _0\"></span>olida<span class=\"_ _0\"></span>ted SP<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>s a<span class=\"_ _0\"></span>t par<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The contr<span class=\"_ _4\"></span>actual amount outst<span class=\"_ _4\"></span>anding on loans and advances that were writt<span class=\"_ _4\"></span>en of<span class=\"_ _0\"></span>f during the reporting period and are s<span class=\"_ _4\"></span>till subject to collections and recov<span class=\"_ _4\"></span>ery activity is \u00a30.3m at 31<span class=\"_ gs27\"> </span>December 2023 (2<span class=\"_ _4\"></span>022: \u00a30.<span class=\"_ _4\"></span>8m).<span class=\"_ _311\"> </span>As at 31 December 2023 \u00a3126<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m of loans and advances (2022: \u00a3110<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>0m) are in a probation period befor<span class=\"_ _4\"></span>e they can move out o<span class=\"_ _4\"></span>f Stage 3, see note 1 n) f<span class=\"_ _4\"></span>or fur<span class=\"_ _0\"></span>ther det<span class=\"_ _4\"></span>ails. Where a borro<span class=\"_ _4\"></span>wer has multiple facilities<span class=\"_ _4\"></span>, all facilities are consider<span class=\"_ _4\"></span>ed in default when a minimum threshold of the borr<span class=\"_ _4\"></span>ower<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s exposure has been classified as de<span class=\"_ _4\"></span>faulted. As at 31 December 2023 \u00a355.<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>m of loans and advances are in this cat<span class=\"_ _4\"></span>egory of default (2<span class=\"_ _4\"></span>022: \u00a332.<span class=\"_ _4\"></span>1m).<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-506": {
   "value": "18. <span class=\"_ _2\"></span>Loans and advances<span class=\"_ _311\"> </span><table class=\"s w3d0 hd1\" id=\"_742865dd-84e6-4e21-b96a-fde2bbbc7f13\"><tr><td></td><td></td><td class=\"c n x668 y4440 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x669 y4440 w2a4 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x66a h2e y4441 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66b h2e y4441 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x66c h2e y4441 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4441 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66e h2b y4441 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4441 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x66f h2e y4442 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x670 h2e y4442 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x538 h2e y4442 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x671 h2b y4442 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y4442 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4442 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4443 ff4 fs3 fc5 sc0 ls1 ws0\">Gross carrying amount<span class=\"_ _7c\"> </span><span class=\"ff1\"> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _1a5\"> </span></span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4331 w3d1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x673 y4444 w3d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,0<span class=\"_ _0\"></span>48.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x674 y4444 w3d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x675 y4444 w3d4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,362.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x676 y4331 w3d5 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x677 y4331 w3d6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">8,375.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x678 y4331 w3d7 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">18,563.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w3d8 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x679 y4270 w3d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">2,<span class=\"_ _0\"></span>712.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x67a y4270 w3da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x67b y4270 w3db ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">4,5<span class=\"_ _0\"></span>31.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x67c y4271 w3dc ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x67d y4271 w3dd ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x67e y4271 w3de ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">4<span class=\"_ _0\"></span>,416<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x67f y4334 w3e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">4<span class=\"_ _0\"></span>91<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x680 y4334 w22 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x681 y4334 w3e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">709<span class=\"_ _1\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x682 y4268 w3e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5e ws62\">3<span class=\"_ _0\"></span>45.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x683 y4268 w3e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">156.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x684 y4268 w1b2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">5<span class=\"_ _0\"></span>01.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n x685 y4321 w3e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x686 y4321 w3e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x687 y4321 w3e7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">70<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x688 y426b w3e8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">38.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x689 y426b w19f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x68a y426b w3e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">8<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x68b y431e w3ea ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">14,286.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x68c y431e w3eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x68d y431e w3ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">25,674.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x68e y426d w3ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">13,081.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x68f y426d w3ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x690 y426d w3ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">23,564.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table>The mortgage loan balances pledged as collater<span class=\"_ _4\"></span>al for liabilities are:<span class=\"_ _311\"> </span><table class=\"s w259 hd0\" id=\"_dfd12063-6f8f-4928-8b05-8f8afc77a87c\"><tr><td></td><td class=\"t m0 x661 h2b y443e ff2 fs16 fc5 sc0 ls39 wscf\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y443e ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x4a4 h2b y443f ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y443f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w3c8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">BoE under TFSME and IL<span class=\"_ _1\"></span>TR<span class=\"_ _311\"> </span></div></td><td class=\"c n x662 y4268 w3c9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x663 y4268 w3ca ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">6<span class=\"_ _0\"></span>,4<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3cb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Securitisation<span class=\"_ _311\"> </span></div></td><td class=\"c n x664 y426b w3cc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">8<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x665 y426b w3cd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x666 y426d w3ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x667 y426d w3cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">6,<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s securitisation progr<span class=\"_ _4\"></span>ammes and use of TFSME and IL<span class=\"_ _1\"></span>TR result in certain assets being encumbered as collater<span class=\"_ _4\"></span>al against such funding. As at 31 December 2023<span class=\"_ _4\"></span>, the percentage of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s gross loans and advances t<span class=\"_ _4\"></span>o customers that ar<span class=\"_ _4\"></span>e encumbered was 2<span class=\"_ _4\"></span>7% (2022: 28%).<span class=\"_ _311\"> </span><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs439\">The table belo<span class=\"_ _4\"></span>w show the mov<span class=\"_ _4\"></span>ement in loans and advances to cus<span class=\"_ _4\"></span>tomers by IFRS 9 s<span class=\"_ _4\"></span>tage </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs43a\">during the year:<span class=\"_ _311\"> </span></div><div class=\"gs43b\"><table class=\"s w3f0 hd2\" id=\"_5fef9460-84e4-469a-a50b-52f246ecfb18\"><tr><td></td><td class=\"t m0 x691 h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fd h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></td><td class=\"t m0 x692 h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></td><td class=\"t m0 x693 h2b y4445 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y4445 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x694 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x695 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x696 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4446 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4447 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x698 y4447 w3f1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>07<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x699 y4447 w3f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,4<span class=\"_ _4\"></span>12.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x69a y4447 w3f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x69b y4447 w3f4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x69c y4447 w3f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4448 ff4 fs3 fc5 sc0 ls1 ws0\">Originations<span class=\"_ _311\"> </span></td><td class=\"c n x69d y4449 w3f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,829<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x69e y4449 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x69f y4449 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a0 y4449 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a1 y4449 w3f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,829<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y444a ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y444b ff4 fs3 fc5 sc0 ls1 ws0\">and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x6a2 y444c w3f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(2,<span class=\"_ _0\"></span>85<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a3 y444c w3f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>35<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a4 y444c w3f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a5 y444c w3fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4.4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a6 y444c w3fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>12.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y444d ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y444e w3fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a7 y444e w3fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,121.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a8 y444e w3fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(1,098<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6a9 y444e w3ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">(23.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6aa y444e w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ab y444e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y444f w400 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ac y444f w401 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(3<span class=\"_ _0\"></span>,52<span class=\"_ _0\"></span>4.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ad y444f w402 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,<span class=\"_ _4\"></span>574.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ae y444f w403 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6af y444f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b0 y444f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4450 w404 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b1 y4450 w405 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b2 y4450 w406 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">(118<span class=\"_ _0\"></span>.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b3 y4450 w407 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">20<span class=\"_ _0\"></span>5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6af y4450 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b0 y4450 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4451 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b4 y4451 w408 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls60 ws64\">18,563.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b5 y4451 w409 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">4,4<span class=\"_ _0\"></span>16<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b6 y4451 w1b2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">50<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b7 y4451 w40a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">8<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b8 y4451 w40b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4452 ff4 fs3 fc5 sc0 ls1 ws0\">Originations<span class=\"_ _311\"> </span></td><td class=\"c n x69d y4453 w40c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">4,56<span class=\"_ _4\"></span>1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6b9 y4453 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ba y4453 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6bb y4453 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6bc y4453 w40d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">4,56<span class=\"_ _4\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4454 ff4 fs3 fc5 sc0 ls1 ws0\">Acquisitions<span class=\"_ _311\"> </span></td><td class=\"c n x6bd y4455 w40e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">175.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x6be y4455 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6bf y4455 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c0 y4455 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c1 y4455 w40f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">175.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4456 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4457 ff4 fs3 fc5 sc0 ls1 ws0\">and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x6c2 y4458 w410 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>,041.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c3 y4458 w411 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls77 ws7d\">(4<span class=\"_ _4\"></span>4<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c4 y4458 w412 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">(127<span class=\"_ _1\"></span>.<span class=\"_ _4\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c5 y4458 w413 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c6 y4458 w414 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">(2,628.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4459 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer<span class=\"_ _4\"></span>s:<span class=\"_ _277\"> </span><span class=\"ff1\"> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y445a w3fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c7 y445b w415 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">1,<span class=\"_ _0\"></span>534.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c8 y445b w416 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(1<span class=\"_ _0\"></span>,5<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c9 y445b w33d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(1<span class=\"_ _0\"></span>4.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ca y445b w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cb y445b w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e9 w400 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cc y4268 w417 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cd y4268 w418 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ce y4268 w419 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">(48.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6cf y4268 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d0 y4268 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea w404 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d1 y426b w41a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>33.<span class=\"_ _0\"></span>0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d2 y426b w41b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>64.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d3 y426b w41c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d4 y426b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d5 y426b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d6 y426d w41d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">20,362.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d7 y426d w41e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">4,531.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d8 y426d w41f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">709<span class=\"_ _1\"></span>.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d9 y426d w420 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">7<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6da y426d w421 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">25,674.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs43c\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs43d\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs43e\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs43f\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs440\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls57 ws5b gs441\">1. <span class=\"_ _18\"> </span>Originations inc<span class=\"_ _0\"></span>lude further advan<span class=\"_ _0\"></span>ces and drawdowns on existing commitment<span class=\"_ _0\"></span>s. </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs442\">2. <span class=\"_ _38\"> </span>Rep<span class=\"_ _0\"></span>ayme<span class=\"_ _0\"></span>nts and w<span class=\"_ _0\"></span>rite-o<span class=\"_ _0\"></span>ffs i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>e custo<span class=\"_ _0\"></span>mer re<span class=\"_ _0\"></span>dempti<span class=\"_ _0\"></span>ons and \u00a3<span class=\"_ _0\"></span>33.<span class=\"_ _0\"></span>6m (2022: \u00a32.1m) of write<span class=\"_ _0\"></span>-of<span class=\"_ _0\"></span>fs duri<span class=\"_ _0\"></span>ng the ye<span class=\"_ _0\"></span>ar<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs443\">3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he Group r<span class=\"_ _0\"></span>epurc<span class=\"_ _0\"></span>hase<span class=\"_ _0\"></span>d \u00a3175.<span class=\"_ _0\"></span>8m of own o<span class=\"_ _0\"></span>rigina<span class=\"_ _0\"></span>ted UK r<span class=\"_ _0\"></span>eside<span class=\"_ _0\"></span>ntial an<span class=\"_ _0\"></span>d buy to let m<span class=\"_ _0\"></span>ortg<span class=\"_ _0\"></span>ages f<span class=\"_ _0\"></span>rom de<span class=\"_ _0\"></span>cons<span class=\"_ _0\"></span>olida<span class=\"_ _0\"></span>ted </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs444\">SP<span class=\"_ _0\"></span>V<span class=\"_ _4\"></span>s a<span class=\"_ _0\"></span>t par<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs445\">The contr<span class=\"_ _4\"></span>actual amount outst<span class=\"_ _4\"></span>anding on loans and advances that were writt<span class=\"_ _4\"></span>en of<span class=\"_ _0\"></span>f during </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs446\">the reporting period and are s<span class=\"_ _4\"></span>till subject to collections and recov<span class=\"_ _4\"></span>ery activity is \u00a30.3m at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs447\">31<span class=\"_ gs27\"> </span>December 2023 (2<span class=\"_ _4\"></span>022: \u00a30.<span class=\"_ _4\"></span>8m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs448\">As at 31 December 2023 \u00a3126<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m of loans and advances (2022: \u00a3110<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>0m) are in a probation </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs449\">period befor<span class=\"_ _4\"></span>e they can move out o<span class=\"_ _4\"></span>f Stage 3, see note 1 n) f<span class=\"_ _4\"></span>or fur<span class=\"_ _0\"></span>ther det<span class=\"_ _4\"></span>ails. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs44a\">Where a borro<span class=\"_ _4\"></span>wer has multiple facilities<span class=\"_ _4\"></span>, all facilities are consider<span class=\"_ _4\"></span>ed in default when a minimum </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs44b\">threshold of the borr<span class=\"_ _4\"></span>ower<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s exposure has been classified as de<span class=\"_ _4\"></span>faulted. As at 31 December 2023 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs44c\">\u00a355.<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>m of loans and advances are in this cat<span class=\"_ _4\"></span>egory of default (2<span class=\"_ _4\"></span>022: \u00a332.<span class=\"_ _4\"></span>1m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs44d\">19<span class=\"_ _3\"></span>.  Finance leases<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs44e\">The Group pro<span class=\"_ _4\"></span>vides asset finance lending through InterBay Asset Finance Limite<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span></div>22. Derivatives<span class=\"_ _311\"> </span>The table belo<span class=\"_ _4\"></span>w reconciles the gross amount of deriv<span class=\"_ _4\"></span>ative contract<span class=\"_ _4\"></span>s to the carrying balance shown in the Consolidate<span class=\"_ _4\"></span>d Statement of Financial Position:<span class=\"_ _311\"> </span><table class=\"s w4c5 hd8\" id=\"_80427be0-91aa-48f2-be1c-7587fd47abe3\"><tr><td></td><td></td><td class=\"t m0 x7d0 h2e y44b4 ff1 fs16 fc6 sc0 ls1 ws0\">Net amount of </td><td class=\"t m0 x692 h2e y44b5 ff1 fs16 fc6 sc0 ls1 ws0\">Contracts </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7d1 h2e y44b6 ff1 fs16 fc6 sc0 ls1 ws0\">financial assets </td><td class=\"t m0 x692 h2e y44b7 ff1 fs16 fc6 sc0 ls1 ws0\">subject to </td><td class=\"t m0 x7d2 h2e y44b8 ff1 fs16 fc6 sc0 ls1 ws0\">Cash collateral </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7d3 h2e y44b9 ff1 fs16 fc6 sc0 ls1 ws0\">/ (liabilities) </td><td class=\"t m0 x74d h2e y44ba ff1 fs16 fc6 sc0 ls1 ws0\">master netting </td><td class=\"t m0 x697 h2e y44bb ff1 fs16 fc6 sc0 ls1 ws0\">paid / </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x4fd h2e y44bc ff1 fs16 fc6 sc0 ls1 ws0\">presented </td><td class=\"t m0 x7d4 h2e y44bd ff1 fs16 fc6 sc0 ls1 ws0\">agreements not </td><td class=\"t m0 x7d5 h2e y44be ff1 fs16 fc6 sc0 ls1 ws0\">(received) not </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7d6 h2e y44bf ff1 fs16 fc6 sc0 ls1 ws0\">in the </td><td class=\"t m0 x7d7 h2e y44c0 ff1 fs16 fc6 sc0 ls1 ws0\">offset in the </td><td class=\"t m0 x7d8 h2e y44c1 ff1 fs16 fc6 sc0 ls1 ws0\">offset in the </td><td></td></tr><tr><td></td><td class=\"t m0 x7d9 h2e y44c2 ff1 fs16 fc6 sc0 ls1 ws0\">Gross amount </td><td class=\"t m0 x7da h2e y44c3 ff1 fs16 fc6 sc0 ls1 ws0\">Consolidated </td><td class=\"t m0 x7db h2e y44c4 ff1 fs16 fc6 sc0 ls1 ws0\">Consolidated </td><td class=\"t m0 x7dc h2e y44c5 ff1 fs16 fc6 sc0 ls1 ws0\">Consolidated </td><td></td></tr><tr><td></td><td class=\"t m0 x7dd h2e y44c6 ff1 fs16 fc6 sc0 ls1 ws0\">of recognise<span class=\"_ _0\"></span>d </td><td class=\"t m0 x4fd h2e y44c7 ff1 fs16 fc6 sc0 ls1 ws0\">Statement </td><td class=\"t m0 x7de h2e y44c8 ff1 fs16 fc6 sc0 ls1 ws0\">Statement </td><td class=\"t m0 x7df h2e y44c9 ff1 fs16 fc6 sc0 ls1 ws0\">Statement </td><td></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y44ca ff1 fs16 fc6 sc0 ls1 ws0\">financial assets </td><td class=\"t m0 x74c h2e y44cb ff1 fs16 fc6 sc0 ls1 ws0\">of Financial </td><td class=\"t m0 x7e1 h2e y44cc ff1 fs16 fc6 sc0 ls1 ws0\">of Financial </td><td class=\"t m0 x7d8 h2e y44cd ff1 fs16 fc6 sc0 ls1 ws0\">of Financial </td><td></td></tr><tr><td></td><td class=\"t m0 x7e2 h2e y44ce ff1 fs16 fc6 sc0 ls1 ws0\">/ (liabilities)<span class=\"_ _311\"> </span></td><td class=\"t m0 x727 h2e y44cf ff1 fs16 fc6 sc0 ls1 ws0\">Position<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2e y44d0 ff1 fs16 fc6 sc0 ls1 ws0\">Position<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2e y44d1 ff1 fs16 fc6 sc0 ls1 ws0\">Position<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e4 h2e y44d1 ff1 fs16 fc6 sc0 ls1 ws0\">Net amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7e5 h2e y44d2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e6 h2e y44d3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e7 h2e y44d4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2e y44d5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y44d5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y44d6 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _150\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 hc y44d7 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s:<span class=\"_ _b9\"> </span><span class=\"ff1\"> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y44d8 w4c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7e8 y44d9 w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x7e9 y44d9 w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ea y44d9 w4c7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">(<span class=\"_ _0\"></span>45.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7eb y44d9 w4c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(212<span class=\"_ _0\"></span>.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ec y44d9 w4c9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>72<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y44da ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities:<span class=\"_ _1b4\"> </span><span class=\"ff1\"> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _c8\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y44db w4c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ed y44dc w4ca ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ee y44dc w4cb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ef y44dc w4cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">45.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f0 y44dc w4cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>16<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f1 y44dc w4ce ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">61<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y44dd ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _c4\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y44de ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s:<span class=\"_ _b9\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _7c\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y431b w4c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f2 y431b w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f3 y431b w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f4 y431b w4cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f5 y431b w4d0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">(<span class=\"_ _0\"></span>545.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f6 y431b w4d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y44df ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities:<span class=\"_ _156\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y426d w4c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f7 y426d w4d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">(106.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f8 y426d w4d3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">(106.6<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f9 y426d w4d4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7fa y426d w4b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7fb y426d w38 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">20<span class=\"_ _0\"></span>5.2<span class=\"_ _311\"> </span></div></td></tr></table>Derivative asset<span class=\"_ _4\"></span>s and liabilities include an initial margin of \u00a3198.<span class=\"_ _3\"></span>4m with swap counterparties<span class=\"_ gs27\"> </span>(2022: \u00a3198.<span class=\"_ _4\"></span>6m). Margin is post<span class=\"_ _4\"></span>ed daily in respect of derivativ<span class=\"_ _4\"></span>es transact<span class=\"_ _4\"></span>ed<span class=\"_ gs27\"> </span>with swap coun<span class=\"_ _4\"></span>terpar<span class=\"_ _0\"></span>ties<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Included within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s derivative assets is \u00a3112.<span class=\"_ _4\"></span>0m (2022: \u00a3203<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4m) relating to derivative<span class=\"_ gs27\"> </span>con<span class=\"_ _4\"></span>tracts not co<span class=\"_ _4\"></span>vered by mas<span class=\"_ _4\"></span>ter netting agreements on which no cash collat<span class=\"_ _4\"></span>eral has<span class=\"_ gs27\"> </span>been<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span>The table belo<span class=\"_ _4\"></span>w profiles the maturity of nominal amount<span class=\"_ _4\"></span>s for interes<span class=\"_ _4\"></span>t rate risk hedging derivatives base<span class=\"_ _4\"></span>d on contractual maturity: <table class=\"s w4d5 hd9\" id=\"_1bf6306e-76d0-4970-9d8a-5ecb67aa3cc7\"><tr><td></td><td class=\"t m0 x7fc h2e y44e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span><span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x7fd h2e y44e1 ff1 fs16 fc6 sc0 ls1 ws0\">Less than  </td><td class=\"t m0 x7fe h2e y44e2 ff1 fs16 fc6 sc0 ls1 ws0\"> 3 \u2013 12 </td><td class=\"t m0 x28a h2e y44e3 ff1 fs16 fc6 sc0 ls1 ws0\"> 1 \u2013 5  </td><td class=\"t m0 x7ff h2e y44e4 ff1 fs16 fc6 sc0 ls1 ws0\">More than  </td></tr><tr><td></td><td class=\"t m0 x66a h2e y44e5 ff1 fs16 fc6 sc0 ls1 ws0\"> nominal </td><td class=\"t m0 x7fd h2e y44e6 ff1 fs16 fc6 sc0 ls1 ws0\">3 months </td><td class=\"t m0 x800 h2e y44e7 ff1 fs16 fc6 sc0 ls1 ws0\">months </td><td class=\"t m0 x426 h2e y44e8 ff1 fs16 fc6 sc0 ls1 ws0\">years<span class=\"_ _311\"> </span></td><td class=\"t m0 x801 h2e y44e9 ff1 fs16 fc6 sc0 ls1 ws0\">5 years </td></tr><tr><td></td><td class=\"t m0 x802 h2e y44ea ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x803 h2e y44eb ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x804 h2e y44ec ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x805 h2e y44ed ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y44ee ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y44ef ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _1f1\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44f0 w4d6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x806 y44f1 w4d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x807 y44f1 w4d8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">812<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x808 y44f1 w4d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">8,181.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x809 y44f1 w4da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">8,5<span class=\"_ _0\"></span>60.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x80a y44f1 w4db ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">15<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f2 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x80b y44f3 w4dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">8,91<span class=\"_ _4\"></span>3.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x80c y44f3 w4dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">1,148.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x80d y44f3 w4de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>,30<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x80e y44f3 w4df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">5,<span class=\"_ _4\"></span>108.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x80f y44f3 w4e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x810 y44f4 w4e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">26<span class=\"_ _0\"></span>,48<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x811 y44f4 w3d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11d ws130\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>60<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x812 y44f4 w4e2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">10,<span class=\"_ _4\"></span>481.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x813 y44f4 w4e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">13,668.<span class=\"_ _4\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x814 y44f4 w4e4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">3<span class=\"_ _0\"></span>72.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y44f5 ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _144\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _29f\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44f6 w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x815 y44f6 w4e5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15,<span class=\"_ _0\"></span>662.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x816 y44f6 w4e6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4<span class=\"_ _0\"></span>64.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x817 y44f6 w4e7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">3<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x818 y44f6 w4e8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">11,590.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x819 y44f6 w4e9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x81a y44f7 w4ea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81b y44f7 w4eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,5<span class=\"_ _0\"></span>03.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81c y44f7 w4ec ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">6,0<span class=\"_ _0\"></span>01.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81d y44f7 w4ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81e y44f7 w4ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">225.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x81f y426d w4ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">2<span class=\"_ _0\"></span>5,1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x820 y426d w4f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x821 y426d w4f1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,4<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x822 y426d w4f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x823 y426d w4f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">432.0<span class=\"_ _311\"> </span></div></td></tr></table>The Group has 944 (2<span class=\"_ _4\"></span>022: 916) derivative contr<span class=\"_ _4\"></span>acts with an aver<span class=\"_ _4\"></span>age fixed rat<span class=\"_ _4\"></span>e of 2.7<span class=\"_ _4\"></span>0% (2022:<span class=\"_ gs27\"> </span>1.<span class=\"_ _4\"></span>34%).<span class=\"_ _311\"> </span>28. <span class=\"_ _3\"></span>Amounts ow<span class=\"_ _4\"></span>ed to credit institutions<span class=\"_ _311\"> </span><table class=\"s w259 he4\" id=\"_5478c294-95ab-476e-8825-322f6aab1abe\"><tr><td></td><td class=\"t m0 x288 h2e y45c7 ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y45c7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45c8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4391 w5af ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">BoE TFSME<span class=\"_ _311\"> </span></div></td><td class=\"c n x979 y4392 w5b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,352.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x97a y4391 w5b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>23<span class=\"_ _0\"></span>2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w5b2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">BoE IL<span class=\"_ _1\"></span>TR<span class=\"_ _311\"> </span></div></td><td class=\"c n x97b y4330 w5b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x97c y432f w5b4 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w5b5 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Commercial repo<span class=\"_ _311\"> </span></div></td><td class=\"c n x97d y4444 w45 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x97e y4331 w393 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w5b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans from credit institutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x97f y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x980 y4271 w46 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x981 y4334 w5b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,362.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x982 y4268 w5b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,54<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash collateral and mar<span class=\"_ _4\"></span>gin received<span class=\"_ _311\"> </span></div></td><td class=\"c n x983 y4321 w5ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">212<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x984 y426b w598 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x985 y431e w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x986 y426d w5bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>Cred<span class=\"_ _0\"></span>it risk \u2013 loans and a<span class=\"_ _0\"></span>dvances to cu<span class=\"_ _0\"></span>stomers<span class=\"_ _311\"> </span>Credit risk associated with mortgage lending is lar<span class=\"_ _4\"></span>gely driven by the housing mark<span class=\"_ _4\"></span>et and lev<span class=\"_ _4\"></span>el of unemployment. A recession and/<span class=\"_ _3\"></span>or high interes<span class=\"_ _4\"></span>t rates could cause pr<span class=\"_ _4\"></span>essure within the mark<span class=\"_ _4\"></span>et, resulting in rising lev<span class=\"_ _4\"></span>els of arrear<span class=\"_ _4\"></span>s and repossessions.<span class=\"_ _311\"> </span>All loan applications are assessed with r<span class=\"_ _4\"></span>eference to the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s Lending Policy. Changes to<span class=\"_ _4\"></span> the policy are appro<span class=\"_ _4\"></span>ved by the Group Risk Committee<span class=\"_ _4\"></span>, with mandates set for the appro<span class=\"_ _4\"></span>val <span class=\"ls1\"> </span>of loan applications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group Credit Committ<span class=\"_ _4\"></span>ee and AL<span class=\"_ _4\"></span>CO regularly monitor lending activity, taking appr<span class=\"_ _4\"></span>opriate actions to reprice pr<span class=\"_ _4\"></span>oducts and adjust lending criteria in or<span class=\"_ _4\"></span>der to control risk and manage exposure<span class=\"_ _4\"></span>. Where necessary and appropriate<span class=\"_ _4\"></span>, changes to the Lending Policy ar<span class=\"_ _4\"></span>e recommended to the Group Risk Committee<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables show the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s maximum exposure to cre<span class=\"_ _4\"></span>dit risk and the impact of collateral held as security, cappe<span class=\"_ _4\"></span>d at the gross exposure amoun<span class=\"_ _4\"></span>t, by impairment stage<span class=\"_ _4\"></span>. Capped collater<span class=\"_ _4\"></span>al excludes the impact of f<span class=\"_ _4\"></span>orced sale discounts and cos<span class=\"_ _4\"></span>ts to sell. The collateral value is determined by inde<span class=\"_ _4\"></span>xing against House Price Index dat<span class=\"_ _4\"></span>a.<span class=\"_ _311\"> </span><table class=\"s w69a hf2\" id=\"_eb1ae300-f224-4b26-b659-c17c2e5c9415\"><tr><td></td><td></td><td></td><td class=\"t m0 x920 h2e y4663 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xadb y4664 w69b hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xadc y4664 w69c hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls17 ws134\">CC<span class=\"_ _0\"></span>FS<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xadd y4664 w69d hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xade h2e y4665 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 x71e h2e y4666 ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td><td class=\"t m0 xadf h2e y4667 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xae0 h2e y4668 ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x9ed h2e y4669 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xae1 h2e y466a ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td></tr><tr><td></td><td class=\"t m0 xae2 h2e y466b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x87d h2e y466c ff1 fs16 fc6 sc0 ls1 ws0\">collateral </td><td class=\"t m0 xae3 h2e y466d ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x692 h2e y466e ff1 fs16 fc6 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xae4 h2e y466f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 xae5 h2e y4670 ff1 fs16 fc6 sc0 ls1 ws0\">collateral  </td></tr><tr><td></td><td class=\"t m0 xae6 h2e y4671 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td><td class=\"t m0 x7e5 h2e y4672 ff1 fs16 fc6 sc0 ls1 ws0\"> held<span class=\"_ _311\"> </span></td><td class=\"t m0 xae7 h2e y4673 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x300 h2e y4674 ff1 fs16 fc6 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x418 h2e y4675 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xae8 h2e y4676 ff1 fs16 fc6 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y4677 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xae9 h2e y4678 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x724 h2e y4679 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x725 h2e y467a ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y467b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y467c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaea y4393 w69e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>263<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaeb y4393 w69f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span>8.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xaec y4393 w6a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaed y4393 w41b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _1\"></span>,313<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaee y4393 w6a1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,57<span class=\"_ _1\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaef y4393 w6a2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">20,5<span class=\"_ _0\"></span>42.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf0 y4267 w6a3 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,718.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf1 y4267 w6a4 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"> </span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf2 y4267 w6a5 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf3 y4267 w6a6 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1,818<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf4 y4267 w6a7 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf5 y4267 w6a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">4,535.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf6 y4269 w6a9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4<span class=\"_ _0\"></span>94.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf7 y4269 w6aa ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">488.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf8 y4269 w6ab ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf9 y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xafa y4269 w6ac ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">711.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xafb y4269 w4f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">706.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w6ad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n xafc y426a w6ae ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xafd y426a w6af ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">33.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xafe y426a w3e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xaff y426a w6b0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb00 y426a w3e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">70<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb01 y426a w6b1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">70<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xb02 y426c w6b2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb03 y426c w6b3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">14,46<span class=\"_ _4\"></span>7<span class=\"_ _1\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb04 y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb05 y426c w6b4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>,<span class=\"_ _33\"> </span>3<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb06 y426c w17a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb07 y426c w6b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">25<span class=\"_ _0\"></span>,854.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w67f hf0\" id=\"_400b08e7-d609-4424-bc31-95670a7a853b\"><tr><td></td><td></td><td></td><td class=\"t m0 xaad h2b y4649 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n xaae y464a w492 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaaf y464a w680 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xab0 y464a w579 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xab1 h2b y464b ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xab2 h2b y464c ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x539 h2b y464d ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xab3 h2b y464e ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x805 h2b y464f ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 x537 h2b y4650 ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td></tr><tr><td></td><td class=\"t m0 xab4 h2b y4651 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 xab5 h2b y4652 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xab6 h2b y4653 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x7fe h2b y4654 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xab7 h2b y4655 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x535 h2b y4656 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td></tr><tr><td></td><td class=\"t m0 xab8 h2b y4657 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xab9 h2b y4658 ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x803 h2b y4659 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2b y465a ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x4a4 h2b y465b ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xabb h2b y465c ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xabc h2b y465d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xabd h2b y465e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2b y465f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8bf h2b y4660 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4661 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4662 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n xabe y4264 w681 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10,3<span class=\"_ _0\"></span>46.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xabf y4264 w682 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10,3<span class=\"_ _0\"></span>20.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac0 y4264 w683 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">8<span class=\"_ _0\"></span>,375<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xac1 y4264 w684 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac2 y4264 w685 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">18,<span class=\"_ _0\"></span>722.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xac3 y4264 w686 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>8,6<span class=\"_ _0\"></span>94.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n xac4 y4266 w687 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xac5 y4266 w688 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,508<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xac6 y4266 w3dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac7 y4266 w689 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f6 y4266 w4c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xac8 y4266 w68a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">4<span class=\"_ _0\"></span>,41<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w3df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n xac9 y431b w68b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xaca y431b w68c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xacb y431b w68d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xacc y431b w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">156<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xacd y431b w68f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">505<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xace y431b w690 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">47<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n xacf y426b w691 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad0 y426b w692 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad1 y426b w693 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad2 y426b w436 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xad3 y426b w486 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">83<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xad4 y426b w694 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xad5 y426d w695 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13,<span class=\"_ _0\"></span>244.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xad6 y426d w696 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,18<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xad7 y426d w3ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xad8 y426d w697 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0,<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>81.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xad9 y426d w698 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xada y426d w699 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr></table>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s main form of collater<span class=\"_ _4\"></span>al held is property, based in the UK and the Channel Islands.<span class=\"_ _311\"> </span><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs61c\">Liquidity risk \u2013 asset enc<span class=\"_ _0\"></span>umbrance<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs61d\">Asset encumbrance le<span class=\"_ _4\"></span>vels are monitor<span class=\"_ _4\"></span>ed by AL<span class=\"_ _4\"></span>CO<span class=\"_ _4\"></span>. The following tables pr<span class=\"_ _4\"></span>ovide an analysis of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs61e\">the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s encumbered and unencumbere<span class=\"_ _4\"></span>d assets:<span class=\"_ _311\"> </span></div><div class=\"gs61f\"><table class=\"s w920 h105\" id=\"_03a45db4-7665-4987-890a-926a84d9993b\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2e y47de ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td></td><td></td></tr><tr><td></td><td class=\"c n xf33 y47df w921 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Encumbered<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf34 y47df w922 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Unencumbered<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x71e h2e y47e0 ff1 fs16 fc6 sc0 ls1 ws0\">Pledged as </td><td></td><td class=\"t m0 xb92 h2e y47e0 ff1 fs16 fc6 sc0 ls1 ws0\">Av<span class=\"_ _4\"></span>ailable as </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9ee h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b5 h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 xae0 h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ed h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2e y47e2 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x87e h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y47e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y47e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y47e5 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xf35 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf36 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf37 y47e6 w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf38 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf39 y47e6 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47e7 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47e8 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3a y47e9 w21 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">198.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3b y47e9 w923 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3c y47e9 w924 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3d y47e9 w925 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"> </span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3e y47e9 w926 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ea w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3f y47eb w927 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf40 y47eb w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf41 y47eb w928 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">5<span class=\"_ _0\"></span>94.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf42 y47eb w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd95 y47eb w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ec ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y47ed ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"c n xf43 y47ee w929 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf44 y47ee w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf45 y47ee w92a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">17<span class=\"_ _3\"></span>,808.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf46 y47ee w1ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf47 y47ee w6a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf48 y47ef w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf49 y47ef w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4a y47ef w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4b y47ef w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4c y47ef w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w92b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Non-financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4d y47f0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4e y47f0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4f y47f0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf50 y47f0 w7a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">(141<span class=\"_ _4\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8f y47f0 w92c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">(14<span class=\"_ _4\"></span>1.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf51 y431e w92d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">7<span class=\"_ _3\"></span>,<span class=\"_ _4\"></span>159<span class=\"_ _4\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf52 y431e w923 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf53 y431e w92e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,660.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf54 y431e w92f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">1,668.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf55 y431e w930 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h33 ff2 fs1a fc5 sc0 ls1 ws0 gs620\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs621\">2<span class=\"_ _311\"> </span></div><div class=\"gs622\"><table class=\"s w5de h106\" id=\"_fe07bb7b-0307-45c1-b628-27f3649ad19f\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2b y47f1 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n xf56 y47f2 w73b hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Encumbered<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf57 y47f2 w931 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Unencumbered<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc3a h2b y47f3 ff2 fs16 fc5 sc0 ls1 ws0\">Pledged as </td><td></td><td class=\"t m0 x7de h2b y47f4 ff2 fs16 fc5 sc0 ls1 ws0\">Available as </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x4fe h2b y47f5 ff2 fs16 fc5 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e6 h2b y47f5 ff2 fs16 fc5 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2b y47f6 ff2 fs16 fc5 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x301 h2b y47f6 ff2 fs16 fc5 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y47f7 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7d1 h2b y47f8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y47f9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2b y47fa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2b y47fa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y47fb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y47fc w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xf58 y47fc wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf59 y47fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5a y47fc w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5b y47fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5c y47fc w932 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47fd ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47fe w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5d y47fe w933 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5e y47fe w934 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5f y47fe w38c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf60 y47fe w935 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf61 y47fe w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ea w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf62 y47ea w397 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf63 y47ea wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf64 y47ea w4e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">366.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x862 y47ea wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf65 y47ea w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ff ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4800 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"c n xf66 y4504 w937 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">6<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf67 y4504 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf68 y4504 w938 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">16,<span class=\"_ _4\"></span>424<span class=\"_ _4\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf69 y4504 w939 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6a y4504 w6b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">23<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6b y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6c y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6d y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6e y44f6 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6f y44f6 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w92b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Non-financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf70 y4507 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf71 y4507 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf72 y4507 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf73 y4507 w93a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(<span class=\"_ _0\"></span>713.<span class=\"_ _1\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xf74 y4507 w93b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(713.1<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf75 y426d w93c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf76 y426d w93d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf77 y426d w93e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf78 y426d w93f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">805.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf79 y426d w88 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _2\"> </span>.<span class=\"_ _2\"> </span>7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h33 ff2 fs1a fc5 sc0 ls1 ws0 gs623\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs624\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs625\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>R<span class=\"_ _0\"></span>epres<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s that are n<span class=\"_ _0\"></span>ot pled<span class=\"_ _0\"></span>ged b<span class=\"_ _0\"></span>ut that th<span class=\"_ _0\"></span>e Group b<span class=\"_ _0\"></span>eliev<span class=\"_ _0\"></span>es it is re<span class=\"_ _0\"></span>stric<span class=\"_ _0\"></span>ted fro<span class=\"_ _0\"></span>m using to s<span class=\"_ _0\"></span>ecure f<span class=\"_ _0\"></span>undin<span class=\"_ _0\"></span>g for </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs626\">le<span class=\"_ _0\"></span>gal or oth<span class=\"_ _0\"></span>er reas<span class=\"_ _0\"></span>ons.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs627\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>U<span class=\"_ _0\"></span>nencu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vance<span class=\"_ _0\"></span>s to cust<span class=\"_ _0\"></span>omer<span class=\"_ _0\"></span>s clas<span class=\"_ _0\"></span>sifie<span class=\"_ _0\"></span>d as othe<span class=\"_ _0\"></span>r are res<span class=\"_ _0\"></span>tricte<span class=\"_ _0\"></span>d for us<span class=\"_ _0\"></span>e as col<span class=\"_ _0\"></span>latera<span class=\"_ _0\"></span>l as they ar<span class=\"_ _0\"></span>e; </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs628\">registered ou<span class=\"_ _4\"></span>tside of UK (<span class=\"_ _1\"></span>J<span class=\"_ _0\"></span>ersey a<span class=\"_ _4\"></span>nd Guernsey),<span class=\"_ _4\"></span> not secured by i<span class=\"_ _4\"></span>mmovable property or<span class=\"_ _4\"></span> are non-<span class=\"_ _4\"></span>p<span class=\"_ _0\"></span>erformi<span class=\"_ _4\"></span>ng.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-439": {
   "value": "<div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs450\">The Group has recognise<span class=\"_ _4\"></span>d \u00a33.<span class=\"_ _4\"></span>0m of ECLs on finance leases as at 31 December 2023 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs451\">(2022:<span class=\"_ gs27\"> </span>\u00a34<span class=\"_ _1\"></span>.8m). </div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs453\">20<span class=\"_ _4\"></span>. <span class=\"_ _1\"></span>Expecte<span class=\"_ _0\"></span>d credit losses<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs454\">The ECL has been calculat<span class=\"_ _4\"></span>ed based on various scenarios as set out below:<span class=\"_ _311\"> </span></div><div class=\"gs455\"><table class=\"s w456 hd5\" id=\"_0ecb2281-858c-4cce-88b4-29faebd16570\"><tr><td></td><td></td><td class=\"c n x71a y4475 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x71b y4475 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x71c h2e y4476 ff1 fs16 fc6 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted </td><td></td><td></td><td class=\"t m0 x71d h2b y4477 ff2 fs16 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighted </td></tr><tr><td></td><td class=\"t m0 x71e h2e y4478 ff1 fs16 fc6 sc0 ls1 ws0\">ECL </td><td></td><td class=\"t m0 x71f h2e y4479 ff1 fs16 fc6 sc0 ls1 ws0\">ECL </td><td class=\"t m0 x720 h2b y447a ff2 fs16 fc5 sc0 ls1 ws0\">ECL </td><td></td><td class=\"t m0 x721 h2b y447b ff2 fs16 fc5 sc0 ls1 ws0\">ECL </td></tr><tr><td></td><td class=\"t m0 x722 h2e y447c ff1 fs16 fc6 sc0 ls1 ws0\">provision<span class=\"_ _311\"> </span></td><td class=\"t m0 x723 h2e y447c ff1 fs16 fc6 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighting<span class=\"_ _311\"> </span></td><td class=\"t m0 x724 h2e y447d ff1 fs16 fc6 sc0 ls1 ws0\">provision<span class=\"_ _311\"> </span></td><td class=\"t m0 x725 h2b y447e ff2 fs16 fc5 sc0 ls1 ws0\">provision<span class=\"_ _311\"> </span></td><td class=\"t m0 x418 h2b y447e ff2 fs16 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>eighting<span class=\"_ _311\"> </span></td><td class=\"t m0 x726 h2b y447f ff2 fs16 fc5 sc0 ls1 ws0\">provision </td></tr><tr><td></td><td class=\"t m0 x694 h2e y4480 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x727 h2e y4480 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 x728 h2e y4481 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4482 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x308 h2b y4482 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4483 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4484 ff1 fs3 fc5 sc0 ls1 ws0\">Scenarios<span class=\"_ _295\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4485 w457 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Upside<span class=\"_ _311\"> </span></div></td><td class=\"c n x72a y4486 w458 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">60.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x72b y4486 w459 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">30</div></td><td class=\"c n x72c y4486 w378 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x72d y4485 w45a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">32.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x72e y4485 w45b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x72f y4485 w45c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4487 w45d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Base case<span class=\"_ _311\"> </span></div></td><td class=\"c n x730 y4488 w17e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x731 y4488 w45e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">40</div></td><td class=\"c n x732 y4488 w45f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">3<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x733 y4487 w19a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x734 y4487 w460 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">40<span class=\"_ _311\"> </span></div></td><td class=\"c n x735 y4487 w461 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4489 w462 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Downside scenario<span class=\"_ _311\"> </span></div></td><td class=\"c n x736 y448a w463 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">13<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x737 y448a w464 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20</div></td><td class=\"c n x738 y448a w76 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x739 y4489 w465 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x73a y4489 w466 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">20<span class=\"_ _311\"> </span></div></td><td class=\"c n x73b y4489 w467 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4260 w468 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Sev<span class=\"_ _4\"></span>ere downside scenario<span class=\"_ _311\"> </span></div></td><td class=\"c n x73c y434e w469 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">206.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x73d y434e w46a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">10</div></td><td class=\"c n x73e y434e w46b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">20.7</div></td><td class=\"c n x73f y4260 w46c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x740 y4260 w30 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10<span class=\"_ _311\"> </span></div></td><td class=\"c n x2e0 y4260 w85 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">12.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y448b w46d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal weigh<span class=\"_ _4\"></span>ted provisions<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x741 y448c w46e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x742 y448b w46f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y448d ff1 fs3 fc5 sc0 ls1 ws0\">Other Provisions:<span class=\"_ _296\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y448e ff4 fs3 fc5 sc0 ls1 ws0\">Individually assessed </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4268 w470 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x743 y4334 w471 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x744 y4268 w1a1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5e ws62\">45.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w472 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post model adjus<span class=\"_ _4\"></span>tments<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x745 y4321 w186 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">23.5<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x746 y426b w473 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w474 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal provision<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x747 y431e w18c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">145.8<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x748 y426d w475 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">130.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs456\">The Group continued t<span class=\"_ _4\"></span>o recognise the increases in credit risk due t<span class=\"_ _4\"></span>o the cost of living and cos<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs457\">of borro<span class=\"_ _4\"></span>wing stresses c<span class=\"_ _4\"></span>aused by high inflation and increases in inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>es. As a result, the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs458\">Group held \u00a39<span class=\"_ _3\"></span>.<span class=\"_ _1\"></span>4m (2022: \u00a316.<span class=\"_ _4\"></span>0m) of ECL in PMA f<span class=\"_ _4\"></span>or risks not sufficiently accounted f<span class=\"_ _4\"></span>or in the IFRS </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs459\">9 frame<span class=\"_ _4\"></span>work. The appr<span class=\"_ _4\"></span>oach to quantify the PMA for the cos<span class=\"_ _4\"></span>t of living estimate<span class=\"_ _4\"></span>d an increase in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs45a\">PD by analysing the effect of the increases in living cos<span class=\"_ _4\"></span>ts, such as household bills and gr<span class=\"_ _4\"></span>oceries, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs45b\">on affordability, which is used to incr<span class=\"_ _4\"></span>ease the default risk to all cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>, with those on lower </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs45c\">income more impacted. The cos<span class=\"_ _4\"></span>t of living PMA has reduced since 31 December 2022, r<span class=\"_ _4\"></span>eflecting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs45d\">the inflation peak has been observed and for<span class=\"_ _4\"></span>ecasts are f<span class=\"_ _4\"></span>or decreases in inflation. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs45e\">The cost o<span class=\"_ _4\"></span>f borrowing PMA specifically identifie<span class=\"_ _4\"></span>d those that are more at risk of def<span class=\"_ _4\"></span>ault due </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs45f\">to coming to the end of an initial in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate in the near future<span class=\"_ _4\"></span>, causing a payment increase </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs460\">through either a ne<span class=\"_ _4\"></span>w product or re<span class=\"_ _4\"></span>verting onto a variable rat<span class=\"_ _4\"></span>e, and becoming a higher </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs461\">affordability risk. This is used to apply an additional s<span class=\"_ _4\"></span>tress on the PD which in some cases </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs462\">results in a s<span class=\"_ _4\"></span>tage 2 criteria trigger<span class=\"_ _1\"></span>. The PMA has reduced since 31 December 2022, re<span class=\"_ _4\"></span>flecting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs463\">that both the inflation and inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e peaks ar<span class=\"_ _4\"></span>e considered to have been observed and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs464\">forecas<span class=\"_ _4\"></span>ts are for decr<span class=\"_ _4\"></span>eases.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs465\">The Group continued t<span class=\"_ _4\"></span>o obser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e an elongated time to sale, which w<span class=\"_ _4\"></span>as in excess o<span class=\"_ _4\"></span>f modelled </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs466\">expectations and observations prior to the pandemic which account<span class=\"_ _4\"></span>ed for \u00a310.<span class=\"_ _1\"></span>0m (2022:<span class=\"_ gs27\"> </span>\u00a38.7<span class=\"_ _1\"></span>m) </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs467\">as a PMA. Whilst the Gr<span class=\"_ _4\"></span>oup expects the process delays to r<span class=\"_ _4\"></span>educe in time, a PMA is held against </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs468\">all accounts to r<span class=\"_ _4\"></span>eflect an extended time to sale in line with mos<span class=\"_ _4\"></span>t recent observations whils<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs469\">considering the Land R<span class=\"_ _4\"></span>egistry\u2019<span class=\"_ _1\"></span>s s<span class=\"_ _4\"></span>trategic plan to incr<span class=\"_ _4\"></span>ease automation in 2024/202<span class=\"_ _4\"></span>5 to remov<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs46a\">the backlog. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs46b\">As part of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s recognition of climate risk and o<span class=\"_ _4\"></span>verall E<span class=\"_ _4\"></span>SG agenda, the Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs46c\">considers the physical risk<span class=\"_ _4\"></span>s of climate change with the r<span class=\"_ _4\"></span>emoval of the tr<span class=\"_ _4\"></span>ansitional risk to reflect </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs46d\">Gov<span class=\"_ _4\"></span>ernment\u2019<span class=\"_ _1\"></span>s decision to pos<span class=\"_ _4\"></span>tpone the EPC Climate Bill. The transitional risk was the mos<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs46e\">significant component o<span class=\"_ _4\"></span>f the PMA that considered properties with low<span class=\"_ _4\"></span>er energy efficiency lik<span class=\"_ _4\"></span>ely </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs46f\">to requir<span class=\"_ _4\"></span>e inves<span class=\"_ _4\"></span>tment to reach minimum ener<span class=\"_ _4\"></span>gy efficiency standards<span class=\"_ _4\"></span>, and has such resulted in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs470\">the reduction in the PMA wher<span class=\"_ _4\"></span>e the Group held \u00a30<span class=\"_ _4\"></span>.5m (2022: \u00a34<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>4m). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs471\">T<span class=\"_ _1\"></span>o reflect the ongoing cladding concerns<span class=\"_ _4\"></span>, the Group identified a valuation risk to a small </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs472\">number of properties and accounted f<span class=\"_ _4\"></span>or a fur<span class=\"_ _0\"></span>ther sale discoun<span class=\"_ _4\"></span>t for these properties by </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs473\">recognising a PMA of \u00a31.<span class=\"_ _1\"></span>1m (2022: \u00a30<span class=\"_ _4\"></span>.7<span class=\"_ _4\"></span>m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs474\">In addition to the abov<span class=\"_ _4\"></span>e PMAs, the Group has iden<span class=\"_ _4\"></span>tified accounts within the OSB second </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs475\">charge portfolio whereby the arr<span class=\"_ _4\"></span>ears balances<span class=\"_ _4\"></span>, fees and other charges will be written off<span class=\"_ _1\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs476\">An<span class=\"_ gs27\"> </span>ECL o<span class=\"_ _4\"></span>f \u00a32.5m (2022: nil) has been r<span class=\"_ _4\"></span>ecognised for the expected losses<span class=\"_ _1\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs477\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s ECL by se<span class=\"_ _4\"></span>gment and IFRS 9 st<span class=\"_ _4\"></span>age is shown below: </div><div class=\"gs478\"><table class=\"s w43e hd4\" id=\"_a742af5e-5af6-44ad-a176-d1c3d16e3be8\"><tr><td></td><td></td><td class=\"c n x6f6 y4472 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x6f7 y4472 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x66f h2e y4473 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x6f8 h2e y4473 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x6f9 h2e y4473 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4473 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66e h2b y4473 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4473 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x6fa h2e y4474 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fb h2e y4474 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x536 h2e y4474 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x671 h2b y4474 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y4474 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4474 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x6fc y4393 w1ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x6fd y4393 w43f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6.6</div></td><td class=\"c n x6fe y4393 w440 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>2.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ff y4264 w441 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x700 y4264 wf6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x701 y4264 w442 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x702 y4267 w443 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x703 y4267 w444 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1</div></td><td class=\"c n x704 y4267 w445 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">54.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x705 y4266 w446 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">35.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x706 y4266 w447 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x707 y4266 w448 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x708 y4269 w30f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">5<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x709 y4269 w449 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">11.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x70a y4269 w44a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">66.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x70b y4268 w44b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">6<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x70c y4268 w44c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _33\"> </span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x70d y4268 w2ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">68.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n x70e y426a w44d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x70f y426a w44e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x710 y426a w44f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x711 y426b w450 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x712 y426b w451 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x713 y426b w452 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">3.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x714 y426c w453 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">111.<span class=\"_ _4\"></span>1</div></td><td class=\"c n x715 y426c w454 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">3<span class=\"_ _0\"></span>4.7</div></td><td class=\"c n x716 y426c w18c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">145.8</div></td><td class=\"c n x717 y426d w455 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">103.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x718 y426d w310 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26.<span class=\"_ _0\"></span>8</div></td><td class=\"c n x719 y426d w1a7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">13<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs47a\">The tables belo<span class=\"_ _4\"></span>w show the mov<span class=\"_ _4\"></span>ement in the ECL by IFRS 9 s<span class=\"_ _4\"></span>tage during the year<span class=\"_ _1\"></span>. ECLs on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs47b\">originations and acquisitions reflect the IFR<span class=\"_ _4\"></span>S 9 stage of lo<span class=\"_ _4\"></span>ans originated or acquired during </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs47c\">the year as at 31 December and not the date of origination. R<span class=\"_ _4\"></span>e-measurement of loss allo<span class=\"_ _4\"></span>wance </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs47d\">relates to e<span class=\"_ _4\"></span>xisting loans which did not r<span class=\"_ _4\"></span>edeem during the year and includes the impact of loans </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs47e\">moving betw<span class=\"_ _4\"></span>een IFRS 9 stages<span class=\"_ _4\"></span>. </div><div class=\"gs47f\"><table class=\"s w476 hd6\" id=\"_0f8c3d0d-71f3-4322-84f4-343c519464c0\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x749 h2b y448f ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3 </td><td></td></tr><tr><td></td><td class=\"t m0 x74a h2b y4490 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 1  </td><td class=\"t m0 x74b h2b y4490 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 2  </td><td class=\"t m0 x4f8 h2b y4490 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3 </td><td class=\"t m0 x301 h2b y4491 ff2 fs16 fc5 sc0 ls1 ws0\">(POCI)  </td><td class=\"t m0 x297 h2b y4491 ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal  </td></tr><tr><td></td><td class=\"t m0 x74c h2b y4492 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y4492 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x74e h2b y4492 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y4493 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4493 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4494 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x750 y4494 w37a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">12<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x751 y4494 w477 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">25.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x752 y4494 w32d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x753 y4494 w2f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.0</div></td><td class=\"c n x754 y4494 w478 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4495 w479 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Originations<span class=\"_ _311\"> </span></div></td><td class=\"c n x755 y4495 w30a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x756 y4495 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x757 y4495 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x758 y4495 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x759 y4495 w47a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4496 w47b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s and write-offs<span class=\"_ _311\"> </span></div></td><td class=\"c n x75a y4496 w100 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(1.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x75b y4496 w47c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls79 ws7f\">(3<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x75c y4496 w47d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(6<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x75d y4496 w330 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.3)</div></td><td class=\"c n x75e y4496 w47e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">(<span class=\"_ _0\"></span>11.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4497 w47f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Re-measur<span class=\"_ _4\"></span>ement of loss allow<span class=\"_ _4\"></span>ance<span class=\"_ _311\"> </span></div></td><td class=\"c n x75f y4497 w480 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">(15<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>1)</div></td><td class=\"c n x760 y4497 w481 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x761 y4497 w482 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x762 y4497 w483 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(0.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x763 y4497 w484 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4498 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4499 w3fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x764 y4499 w23b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x765 y4499 w485 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x766 y4499 w486 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x767 y4499 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x768 y4499 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y449a w400 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x769 y449a w487 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(2.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x76a y449a w1d3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x76b y449a w15f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x76c y449a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x76d y449a w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y449b w404 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x76e y449b w488 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x76f y449b w489 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(2<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x770 y449b w48a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x771 y449b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b6 y449b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y449c ff4 fs3 fc5 sc0 ls1 ws0\">Changes in assumptions  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y449d w48b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">and model paramet<span class=\"_ _4\"></span>ers<span class=\"_ _311\"> </span></div></td><td class=\"c n x772 y449d w334 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(<span class=\"_ _4\"></span>3.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x773 y449d wa3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x774 y449d wff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x775 y449d w22d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x776 y449d w311 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">5<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y449e wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x777 y449e w48c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x778 y449e w48d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x779 y449e w48e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">68.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x77a y449e w48f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">3<span class=\"_ _0\"></span>.6</div></td><td class=\"c n x77b y449e w1a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">13<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y449f w479 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Originations<span class=\"_ _311\"> </span></div></td><td class=\"c n x77c y44a0 w2c6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x77d y44a0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x77e y44a0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x77f y44a0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x780 y44a0 w490 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a1 w491 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Acquisitions<span class=\"_ _311\"> </span></div></td><td class=\"c n x781 y4485 w492 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x782 y4485 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x783 y4485 w31 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x784 y4485 w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x785 y4485 w116 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a2 w47b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment<span class=\"_ _4\"></span>s and write-offs<span class=\"_ _311\"> </span></div></td><td class=\"c n x786 y4487 w1e3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(0<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x787 y4487 w493 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)</div></td><td class=\"c n x788 y4487 w494 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>)</div></td><td class=\"c n x789 y4487 w495 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)</div></td><td class=\"c n x3ea y4487 w367 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a3 w47f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Re-measur<span class=\"_ _4\"></span>ement of loss allow<span class=\"_ _4\"></span>ance<span class=\"_ _311\"> </span></div></td><td class=\"c n x78a y4311 w496 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>)</div></td><td class=\"c n x78b y4311 w497 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x78c y4311 w1d2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x78d y4311 w498 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.2</div></td><td class=\"c n x78e y4311 w499 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">50.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y44a4 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer<span class=\"_ _4\"></span>s:<span class=\"_ _23f\"> </span><span class=\"ff1\"> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44a5 w3fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n x78f y448b w49a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">13.0</div></td><td class=\"c n x790 y448b w49b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(12<span class=\"_ _0\"></span>.4)</div></td><td class=\"c n x791 y448b w1e3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x792 y448b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x793 y448b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a6 w400 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n x794 y4318 w48 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x795 y4318 w49c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x796 y4318 w49d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(1<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x797 y4318 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x798 y4318 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a7 w404 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013 T<span class=\"_ _1\"></span>o Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n x799 y4370 w49e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.2)</div></td><td class=\"c n x79a y4370 w49f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls116 ws123\">(6<span class=\"_ _0\"></span>.7<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x79b y4370 w4a0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x79c y4370 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x79d y4370 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y44a8 ff4 fs3 fc5 sc0 ls1 ws0\">Changes in assumptions  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y42ea w48b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">and model paramet<span class=\"_ _4\"></span>ers<span class=\"_ _311\"> </span></div></td><td class=\"c n x79e y426b w4a1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x79f y426b w4a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">(<span class=\"_ _0\"></span>5.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a0 y426b w4a3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a1 y426b w4a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a2 y426b w10a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a3 y426d w4a5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">22<span class=\"_ _0\"></span>.4</div></td><td class=\"c n x7a4 y426d w445 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">5<span class=\"_ _0\"></span>4.3</div></td><td class=\"c n x7a5 y426d w4a6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">66<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a6 y426d w4a7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>.4</div></td><td class=\"c n x7a7 y426d w4a8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">145.8<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs480\">The table belo<span class=\"_ _4\"></span>w shows the st<span class=\"_ _4\"></span>age 2 ECL balances by trans<span class=\"_ _4\"></span>fer criteria:<span class=\"_ _311\"> </span></div><div class=\"gs481\"><table class=\"s w4af hd7\" id=\"_c379dda4-1e5c-446c-b96b-2c571f082711\"><tr><td></td><td></td><td class=\"c n x7ae y44ab w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x7af y44ab w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x66f h2e y44ac ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td></td><td></td><td class=\"t m0 x429 h2b y44ad ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x7b0 h2e y44ae ff1 fs16 fc6 sc0 ls1 ws0\">value </td><td class=\"t m0 x7b1 h2e y44ae ff1 fs16 fc6 sc0 ls1 ws0\">ECL </td><td class=\"t m0 x424 h2e y44ae ff1 fs16 fc6 sc0 ls1 ws0\">Cover<span class=\"_ _4\"></span>age<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2b y44af ff2 fs16 fc5 sc0 ls1 ws0\">value </td><td class=\"t m0 x672 h2b y44af ff2 fs16 fc5 sc0 ls1 ws0\">ECL </td><td class=\"t m0 x535 h2b y44af ff2 fs16 fc5 sc0 ls1 ws0\">Cover<span class=\"_ _4\"></span>age<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7b2 h2e y44b0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b3 h2e y44b0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x7b4 h2e y44b0 ff1 fs16 fc6 sc0 ls1 ws0\"> % </td><td class=\"t m0 x7b5 h2b y44b1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b6 h2b y44b1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x7b7 h2b y44b1 ff2 fs16 fc5 sc0 ls1 ws0\"> %<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y44b2 ff1 fs3 fc5 sc0 ls1 ws0\">Criteria:<span class=\"_ _29b\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _49\"> </span><span class=\"ff4\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y44b3 ff4 fs3 fc5 sc0 ls1 ws0\">Relativ<span class=\"_ _4\"></span>e/<span class=\"_ _1\"></span>absolute  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w4b0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PD mov<span class=\"_ _4\"></span>ement<span class=\"_ _311\"> </span></div></td><td class=\"c n x7b8 y4416 w4b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">4,343.5</div></td><td class=\"c n x7b9 y4416 w4b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">53.2</div></td><td class=\"c n x7ba y4416 w2cb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.22</div></td><td class=\"c n x7bb y4266 w4b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>,090.<span class=\"_ _0\"></span>2</div></td><td class=\"c n x7bc y4266 w4b4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7bd y4266 w4b5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>39<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w4b6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Qualitative me<span class=\"_ _4\"></span>asures<span class=\"_ _311\"> </span></div></td><td class=\"c n x7be y431a w4b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x7bf y431a wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8</div></td><td class=\"c n x7c0 y431a w4b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">0.57</div></td><td class=\"c n x7c1 y431b w4b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _33\"> </span>2<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x7c2 y431b w4ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5</div></td><td class=\"c n x7c3 y431b w428 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>59<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w4bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">30 days past due back<span class=\"_ _1\"></span>stop<span class=\"_ _311\"> </span></div></td><td class=\"c n x7c4 y431c w448 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">5<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7c5 y431c w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3</div></td><td class=\"c n x7c6 y431c w4bc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.54</div></td><td class=\"c n x7c7 y431d w4bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x7c8 y431d w4be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x7c9 y431d w4bf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">1.01<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ca y431e w4c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _2\"> </span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9</div></td><td class=\"c n x7cb y431e w445 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">54.<span class=\"_ _0\"></span>3</div></td><td class=\"c n x7cc y431e w4c2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.<span class=\"_ _0\"></span>20</div></td><td class=\"c n x7cd y426d w4c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>1</div></td><td class=\"c n x7ce y426d w448 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7cf y426d w4c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>.15<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs482\">The Group has a number of qualit<span class=\"_ _4\"></span>ative measures to det<span class=\"_ _4\"></span>ermine whether a SICR has tak<span class=\"_ _4\"></span>en place. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs483\">These triggers utilise both in<span class=\"_ _4\"></span>ternal performance information, to analyse whether an account is in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs484\">distr<span class=\"_ _4\"></span>ess but not yet in arrears<span class=\"_ _4\"></span>, and external cre<span class=\"_ _4\"></span>dit bureau information, to determine whe<span class=\"_ _4\"></span>ther the<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs485\">cust<span class=\"_ _4\"></span>omer is experiencing financial dif<span class=\"_ _0\"></span>ficulty with an e<span class=\"_ _4\"></span>xternal credit obligation.<span class=\"_ _311\"> </span></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs486\">21. <span class=\"_ _2\"></span>Impairment of financial assets<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws55 gs487\">The charge f<span class=\"_ _4\"></span>or impairment of financial assets in the Consolidated St<span class=\"_ _4\"></span>atement of Comprehensiv<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs488\">Income comprises:<span class=\"_ _311\"> </span></div><div class=\"gs489\"><table class=\"s w259 hc8\" id=\"_c8b6a206-19f8-4dc9-9b1e-1211907c585e\"><tr><td></td><td class=\"t m0 x288 h2e y44a9 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y44a9 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y44aa ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y44aa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w4a9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>rite-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s in year<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a8 y4334 w4aa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">33.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a9 y4268 w451 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w4ab ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Increase in ECL<span class=\"_ _4\"></span> provision<span class=\"_ _311\"> </span></div></td><td class=\"c n x7aa y426a w4ac hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ab y426b w4ad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ac y426c w4ae ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">48.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ad y426d w473 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs48a\">The charge f<span class=\"_ _4\"></span>or provisions of \u00a348.<span class=\"_ _4\"></span>8m (2022: \u00a329<span class=\"_ _3\"></span>.8m) shown in the Consolidate<span class=\"_ _4\"></span>d Statement of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs48b\">Comprehensive Income also includes a \u00a34<span class=\"_ _1\"></span>.6m credit (2<span class=\"_ _4\"></span>022: nil) in respect of insurance r<span class=\"_ _4\"></span>ecoveries<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-440": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws8 gs48d\">22. Derivatives<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs48e\">The table belo<span class=\"_ _4\"></span>w reconciles the gross amount of deriv<span class=\"_ _4\"></span>ative contract<span class=\"_ _4\"></span>s to the carrying balance </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs48f\">shown in the Consolidate<span class=\"_ _4\"></span>d Statement of Financial Position:<span class=\"_ _311\"> </span></div><div class=\"gs490\"><table class=\"s w4c5 hd8\" id=\"_80427be0-91aa-48f2-be1c-7587fd47abe3\"><tr><td></td><td></td><td class=\"t m0 x7d0 h2e y44b4 ff1 fs16 fc6 sc0 ls1 ws0\">Net amount of </td><td class=\"t m0 x692 h2e y44b5 ff1 fs16 fc6 sc0 ls1 ws0\">Contracts </td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7d1 h2e y44b6 ff1 fs16 fc6 sc0 ls1 ws0\">financial assets </td><td class=\"t m0 x692 h2e y44b7 ff1 fs16 fc6 sc0 ls1 ws0\">subject to </td><td class=\"t m0 x7d2 h2e y44b8 ff1 fs16 fc6 sc0 ls1 ws0\">Cash collateral </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7d3 h2e y44b9 ff1 fs16 fc6 sc0 ls1 ws0\">/ (liabilities) </td><td class=\"t m0 x74d h2e y44ba ff1 fs16 fc6 sc0 ls1 ws0\">master netting </td><td class=\"t m0 x697 h2e y44bb ff1 fs16 fc6 sc0 ls1 ws0\">paid / </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x4fd h2e y44bc ff1 fs16 fc6 sc0 ls1 ws0\">presented </td><td class=\"t m0 x7d4 h2e y44bd ff1 fs16 fc6 sc0 ls1 ws0\">agreements not </td><td class=\"t m0 x7d5 h2e y44be ff1 fs16 fc6 sc0 ls1 ws0\">(received) not </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7d6 h2e y44bf ff1 fs16 fc6 sc0 ls1 ws0\">in the </td><td class=\"t m0 x7d7 h2e y44c0 ff1 fs16 fc6 sc0 ls1 ws0\">offset in the </td><td class=\"t m0 x7d8 h2e y44c1 ff1 fs16 fc6 sc0 ls1 ws0\">offset in the </td><td></td></tr><tr><td></td><td class=\"t m0 x7d9 h2e y44c2 ff1 fs16 fc6 sc0 ls1 ws0\">Gross amount </td><td class=\"t m0 x7da h2e y44c3 ff1 fs16 fc6 sc0 ls1 ws0\">Consolidated </td><td class=\"t m0 x7db h2e y44c4 ff1 fs16 fc6 sc0 ls1 ws0\">Consolidated </td><td class=\"t m0 x7dc h2e y44c5 ff1 fs16 fc6 sc0 ls1 ws0\">Consolidated </td><td></td></tr><tr><td></td><td class=\"t m0 x7dd h2e y44c6 ff1 fs16 fc6 sc0 ls1 ws0\">of recognise<span class=\"_ _0\"></span>d </td><td class=\"t m0 x4fd h2e y44c7 ff1 fs16 fc6 sc0 ls1 ws0\">Statement </td><td class=\"t m0 x7de h2e y44c8 ff1 fs16 fc6 sc0 ls1 ws0\">Statement </td><td class=\"t m0 x7df h2e y44c9 ff1 fs16 fc6 sc0 ls1 ws0\">Statement </td><td></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y44ca ff1 fs16 fc6 sc0 ls1 ws0\">financial assets </td><td class=\"t m0 x74c h2e y44cb ff1 fs16 fc6 sc0 ls1 ws0\">of Financial </td><td class=\"t m0 x7e1 h2e y44cc ff1 fs16 fc6 sc0 ls1 ws0\">of Financial </td><td class=\"t m0 x7d8 h2e y44cd ff1 fs16 fc6 sc0 ls1 ws0\">of Financial </td><td></td></tr><tr><td></td><td class=\"t m0 x7e2 h2e y44ce ff1 fs16 fc6 sc0 ls1 ws0\">/ (liabilities)<span class=\"_ _311\"> </span></td><td class=\"t m0 x727 h2e y44cf ff1 fs16 fc6 sc0 ls1 ws0\">Position<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2e y44d0 ff1 fs16 fc6 sc0 ls1 ws0\">Position<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2e y44d1 ff1 fs16 fc6 sc0 ls1 ws0\">Position<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e4 h2e y44d1 ff1 fs16 fc6 sc0 ls1 ws0\">Net amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7e5 h2e y44d2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e6 h2e y44d3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e7 h2e y44d4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2e y44d5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y44d5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y44d6 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _150\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 hc y44d7 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s:<span class=\"_ _b9\"> </span><span class=\"ff1\"> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y44d8 w4c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7e8 y44d9 w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x7e9 y44d9 w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ea y44d9 w4c7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">(<span class=\"_ _0\"></span>45.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7eb y44d9 w4c8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(212<span class=\"_ _0\"></span>.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ec y44d9 w4c9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>72<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y44da ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities:<span class=\"_ _1b4\"> </span><span class=\"ff1\"> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _c8\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y44db w4c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ed y44dc w4ca ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ee y44dc w4cb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7ef y44dc w4cc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">45.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f0 y44dc w4cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>16<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f1 y44dc w4ce ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">61<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y44dd ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _c4\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y44de ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s:<span class=\"_ _b9\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _7c\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y431b w4c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f2 y431b w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f3 y431b w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f4 y431b w4cf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f5 y431b w4d0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">(<span class=\"_ _0\"></span>545.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f6 y431b w4d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y44df ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities:<span class=\"_ _156\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x279 y426d w4c6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk hedging<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f7 y426d w4d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">(106.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f8 y426d w4d3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">(106.6<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x7f9 y426d w4d4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7fa y426d w4b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7fb y426d w38 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">20<span class=\"_ _0\"></span>5.2<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs491\">Derivative asset<span class=\"_ _4\"></span>s and liabilities include an initial margin of \u00a3198.<span class=\"_ _3\"></span>4m with swap </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs492\">counterparties<span class=\"_ gs27\"> </span>(2022: \u00a3198.<span class=\"_ _4\"></span>6m). Margin is post<span class=\"_ _4\"></span>ed daily in respect of derivativ<span class=\"_ _4\"></span>es </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs493\">transact<span class=\"_ _4\"></span>ed<span class=\"_ gs27\"> </span>with swap coun<span class=\"_ _4\"></span>terpar<span class=\"_ _0\"></span>ties<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs494\">Included within the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s derivative assets is \u00a3112.<span class=\"_ _4\"></span>0m (2022: \u00a3203<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4m) relating to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs495\">derivative<span class=\"_ gs27\"> </span>con<span class=\"_ _4\"></span>tracts not co<span class=\"_ _4\"></span>vered by mas<span class=\"_ _4\"></span>ter netting agreements on which no cash collat<span class=\"_ _4\"></span>eral </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs496\">has<span class=\"_ gs27\"> </span>been<span class=\"_ gs27\"> </span>paid.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs497\">The table belo<span class=\"_ _4\"></span>w profiles the maturity of nominal amount<span class=\"_ _4\"></span>s for interes<span class=\"_ _4\"></span>t rate risk hedging </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs498\">derivatives base<span class=\"_ _4\"></span>d on contractual maturity: </div><div class=\"gs499\"><table class=\"s w4d5 hd9\" id=\"_1bf6306e-76d0-4970-9d8a-5ecb67aa3cc7\"><tr><td></td><td class=\"t m0 x7fc h2e y44e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _0\"></span><span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x7fd h2e y44e1 ff1 fs16 fc6 sc0 ls1 ws0\">Less than  </td><td class=\"t m0 x7fe h2e y44e2 ff1 fs16 fc6 sc0 ls1 ws0\"> 3 \u2013 12 </td><td class=\"t m0 x28a h2e y44e3 ff1 fs16 fc6 sc0 ls1 ws0\"> 1 \u2013 5  </td><td class=\"t m0 x7ff h2e y44e4 ff1 fs16 fc6 sc0 ls1 ws0\">More than  </td></tr><tr><td></td><td class=\"t m0 x66a h2e y44e5 ff1 fs16 fc6 sc0 ls1 ws0\"> nominal </td><td class=\"t m0 x7fd h2e y44e6 ff1 fs16 fc6 sc0 ls1 ws0\">3 months </td><td class=\"t m0 x800 h2e y44e7 ff1 fs16 fc6 sc0 ls1 ws0\">months </td><td class=\"t m0 x426 h2e y44e8 ff1 fs16 fc6 sc0 ls1 ws0\">years<span class=\"_ _311\"> </span></td><td class=\"t m0 x801 h2e y44e9 ff1 fs16 fc6 sc0 ls1 ws0\">5 years </td></tr><tr><td></td><td class=\"t m0 x802 h2e y44ea ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x803 h2e y44eb ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x804 h2e y44ec ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x805 h2e y44ed ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y44ee ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y44ef ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _1f1\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44f0 w4d6 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x806 y44f1 w4d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">1<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x807 y44f1 w4d8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">812<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x808 y44f1 w4d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">8,181.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x809 y44f1 w4da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">8,5<span class=\"_ _0\"></span>60.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x80a y44f1 w4db ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">15<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f2 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x80b y44f3 w4dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">8,91<span class=\"_ _4\"></span>3.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x80c y44f3 w4dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">1,148.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x80d y44f3 w4de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>,30<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x80e y44f3 w4df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">5,<span class=\"_ _4\"></span>108.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x80f y44f3 w4e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x810 y44f4 w4e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">26<span class=\"_ _0\"></span>,48<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x811 y44f4 w3d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11d ws130\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>60<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x812 y44f4 w4e2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">10,<span class=\"_ _4\"></span>481.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x813 y44f4 w4e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">13,668.<span class=\"_ _4\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x814 y44f4 w4e4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">3<span class=\"_ _0\"></span>72.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y44f5 ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _144\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _108\"> </span> <span class=\"_ _15b\"> </span> <span class=\"_ _29f\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44f6 w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x815 y44f6 w4e5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">15,<span class=\"_ _0\"></span>662.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x816 y44f6 w4e6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4<span class=\"_ _0\"></span>64.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x817 y44f6 w4e7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">3<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x818 y44f6 w4e8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">11,590.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x819 y44f6 w4e9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x81a y44f7 w4ea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81b y44f7 w4eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,5<span class=\"_ _0\"></span>03.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81c y44f7 w4ec ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">6,0<span class=\"_ _0\"></span>01.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81d y44f7 w4ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x81e y44f7 w4ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">225.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x81f y426d w4ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">2<span class=\"_ _0\"></span>5,1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x820 y426d w4f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x821 y426d w4f1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,4<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x822 y426d w4f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x823 y426d w4f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">432.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs49a\">The Group has 944 (2<span class=\"_ _4\"></span>022: 916) derivative contr<span class=\"_ _4\"></span>acts with an aver<span class=\"_ _4\"></span>age fixed rat<span class=\"_ _4\"></span>e of 2.7<span class=\"_ _4\"></span>0% </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs49b\">(2022:<span class=\"_ gs27\"> </span>1.<span class=\"_ _4\"></span>34%).<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-441": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws135 gs49d\">23. Hedge <span class=\"_ _0\"></span>acc<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>ting<span class=\"_ _311\"> </span></div><div class=\"gs49e\"><table class=\"s w4f4 hda\" id=\"_6eed40a3-1865-4f86-b7a7-b99e98e6002a\"><tr><td></td><td class=\"t m0 x288 h2e y44f8 ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y44f8 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y44f9 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y44f9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y44fa ff1 fs3 fc5 sc0 ls1 ws0\">Hedged assets<span class=\"_ _1c9\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y44fb w4f5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Current hedge r<span class=\"_ _4\"></span>elationships<span class=\"_ _311\"> </span></div></td><td class=\"c n x824 y44fc w371 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">(253.<span class=\"_ _1\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x825 y44fb w4f6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _0\"></span>8<span class=\"_ _2\"> </span>2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44fd w4f7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Swap inception adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x826 y44fe w4f8 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">4<span class=\"_ _0\"></span>0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a2 y44fd w4f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">4<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44ff w4fa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cancelled hedge relationships<span class=\"_ _311\"> </span></div></td><td class=\"c n x827 y4500 w4fb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(3<span class=\"_ _0\"></span>0.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x828 y44ff w380 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(<span class=\"_ _0\"></span>5.2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4501 w4fc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Fair value adjustment<span class=\"_ _4\"></span>s on he<span class=\"_ _0\"></span>dged assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x829 y4501 w4fd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">(2<span class=\"_ _4\"></span>43.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x82a y4502 w6f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4503 ff1 fs3 fc5 sc0 ls1 ws0\">Hedged liabilities<span class=\"_ _2a2\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4504 w4f5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Current hedge r<span class=\"_ _4\"></span>elationships<span class=\"_ _311\"> </span></div></td><td class=\"c n x82b y4505 w4fe ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(22<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x82c y4504 w4ff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">58<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w4f7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Swap inception adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x82d y4506 w329 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x82e y44f6 w500 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w4fa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cancelled hedge relationships<span class=\"_ _311\"> </span></div></td><td class=\"c n x82f y4508 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x830 y4507 we6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w501 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Fair value adjustment<span class=\"_ _4\"></span>s on he<span class=\"_ _0\"></span>dged liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x831 y426c w502 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>1.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x832 y426d w503 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">5<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs49f\">The sw<span class=\"_ _4\"></span>ap inception adjustment r<span class=\"_ _4\"></span>elates to hedge accounting adjus<span class=\"_ _4\"></span>tments arising when hedge </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs4a0\">accounting commences, primarily on deriv<span class=\"_ _4\"></span>ative instrumen<span class=\"_ _4\"></span>ts previously t<span class=\"_ _4\"></span>aken out agains<span class=\"_ _4\"></span>t the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs4a1\">mortgage pipeline and on derivative ins<span class=\"_ _4\"></span>truments pre<span class=\"_ _4\"></span>viously tak<span class=\"_ _4\"></span>en out against ne<span class=\"_ _4\"></span>w retail deposits<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div>De-designated hedge relationships r<span class=\"_ _4\"></span>elate to hedge accounting adjus<span class=\"_ _4\"></span>tments on failed hedge accounting relationships<span class=\"_ _4\"></span>. These adjustment<span class=\"_ _4\"></span>s are amortised over the remaining liv<span class=\"_ _4\"></span>es of the original hedged items<span class=\"_ _4\"></span>. Cancelled hedge relationships pr<span class=\"_ _4\"></span>edominantly represen<span class=\"_ _4\"></span>t the unamor<span class=\"_ _0\"></span>tised f<span class=\"_ _4\"></span>air value adjustment for int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk hedges that have been cancelled and replace<span class=\"_ _4\"></span>d due to IBOR transition, securitisation activities and legacy long-term fixe<span class=\"_ _4\"></span>d rate mortgages (c<span class=\"_ _4\"></span>. 25 years at origination). The tables belo<span class=\"_ _4\"></span>w analyse the Group\u2019<span class=\"_ _1\"></span>s portfolio hedge accounting for fix<span class=\"_ _4\"></span>ed rate loans and advances to cus<span class=\"_ _4\"></span>tomers:<span class=\"_ _311\"> </span><table class=\"s w504 hdb\" id=\"_a49c2dce-99f8-4b8c-828f-ef23104c171b\"><tr><td></td><td class=\"c n x833 y4509 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x834 y4509 w362 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x835 h2e y450a ff1 fs16 fc6 sc0 ls1 ws0\">Hedged  </td><td class=\"t m0 x836 h2e y450b ff1 fs16 fc6 sc0 ls1 ws0\">Hedging </td><td class=\"t m0 x298 h2b y450c ff2 fs16 fc5 sc0 ls1 ws0\">Hedged </td><td class=\"t m0 x837 h2b y450d ff2 fs16 fc5 sc0 ls1 ws0\">Hedging </td></tr><tr><td></td><td class=\"t m0 x74b h2e y450e ff1 fs16 fc6 sc0 ls1 ws0\">item<span class=\"_ _311\"> </span></td><td class=\"t m0 x692 h2e y450f ff1 fs16 fc6 sc0 ls1 ws0\">instrument</td><td class=\"t m0 x838 h2b y4510 ff2 fs16 fc5 sc0 ls1 ws0\"> item<span class=\"_ _311\"> </span></td><td class=\"t m0 x2f9 h2b y4511 ff2 fs16 fc5 sc0 ls1 ws0\">instrument<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2b y4512 ff2 fs16 fc5 sc0 ls1 ws0\">Loans and advances to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y4513 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y4514 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2b y4515 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4516 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h16 y4517 ff4 fs3 fc5 sc0 ls1 ws0\">Carrying amount of hedge<span class=\"_ _4\"></span>d item/<span class=\"_ _1\"></span>nominal  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4518 w505 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">value of hedging ins<span class=\"_ _4\"></span>trument<span class=\"_ _311\"> </span></div></td><td class=\"c n x83c y4519 w506 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>5,<span class=\"_ _0\"></span>39<span class=\"_ _0\"></span>0.4</div></td><td class=\"c n x83d y4519 w507 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">15,<span class=\"_ _4\"></span>425.6</div></td><td class=\"c n x83e y4518 w508 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8</div></td><td class=\"c n x83f y4518 w509 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">14,667<span class=\"_ _3\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y451a ff4 fs3 fc5 sc0 ls1 ws0\">Cumulative fair v<span class=\"_ _4\"></span>alue adjustments o<span class=\"_ _4\"></span>f hedged </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y451b w50a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">item/<span class=\"_ _4\"></span>fair value of hedging ins<span class=\"_ _4\"></span>trument<span class=\"_ _311\"> </span></div></td><td class=\"c n x840 y451c w50b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">(253.<span class=\"_ _1\"></span>1)</div></td><td class=\"c n x841 y451c w50c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">3<span class=\"_ _0\"></span>12.7</div></td><td class=\"c n x842 y451b w50d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>)</div></td><td class=\"c n x843 y451b w50e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">833.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y451d ff4 fs3 fc5 sc0 ls44 ws0\">Changes in the fair value adjus<span class=\"_ _4\"></span>tment of hedged </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y451e ff4 fs3 fc5 sc0 ls42 ws0\">item/hedging ins<span class=\"_ _4\"></span>trument used for recognising </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y451f w50f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws0\">the hedge ineffectiveness for the perio<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x844 y4520 w1f7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580.3</div></td><td class=\"c n x845 y4520 w510 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">(59<span class=\"_ _0\"></span>0.5)</div></td><td class=\"c n x846 y451f w511 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(62<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>6)</div></td><td class=\"c n x847 y451f w512 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">621.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4521 ff4 fs3 fc5 sc0 ls1 ws0\">Cumulative fair v<span class=\"_ _4\"></span>alue on cancelled hedge </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w513 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">relationships<span class=\"_ _311\"> </span></div></td><td class=\"c n x848 y431e w4fb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(30.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x849 y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x84a y426d w490 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(5<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x84b y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table>In the Consolidated Stat<span class=\"_ _4\"></span>ement of Financial Position, \u00a346<span class=\"_ _4\"></span>9<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>9m (2022: \u00a3854<span class=\"_ _1\"></span>.3m) of hedging instrumen<span class=\"_ _4\"></span>ts were r<span class=\"_ _4\"></span>ecognised within derivative assets; and \u00a315<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>.2m (2022: \u00a321.<span class=\"_ _4\"></span>1m) within derivative liabilities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The mov<span class=\"_ _4\"></span>ement in cancelled hedge relationships is as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span><table class=\"s w514 hdc\" id=\"_61b6c910-e895-43c0-9b53-53c655e0fb23\"><tr><td></td><td class=\"t m0 x298 h2e y4522 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y4522 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2b y4523 ff2 fs16 fc5 sc0 ls1 ws0\">Hedged assets<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2e y4523 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4523 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x84c y4267 w515 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">(5.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x84d y4266 w1a4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">78.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4524 ff4 fs3 fc5 sc0 ls1 ws0\">New cancellations<span class=\"_ _311\"> </span></td><td class=\"c n x493 y439e w516 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(23<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x84e y431b w3f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w517 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Amortisation<span class=\"_ _311\"> </span></div></td><td class=\"c n x84f y426a w1bf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x850 y426b w518 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(3<span class=\"_ _0\"></span>4.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w3b4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x283 y426c w4fb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(30.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x851 y426d w490 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(5<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he new c<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>llatio<span class=\"_ _0\"></span>ns are pre<span class=\"_ _0\"></span>domin<span class=\"_ _0\"></span>ately f<span class=\"_ _0\"></span>rom se<span class=\"_ _0\"></span>curiti<span class=\"_ _0\"></span>sation o<span class=\"_ _0\"></span>f mor<span class=\"_ _0\"></span>tgage<span class=\"_ _0\"></span>s during t<span class=\"_ _0\"></span>he yea<span class=\"_ _0\"></span>r where, t<span class=\"_ _0\"></span>he Group c<span class=\"_ _0\"></span>ance<span class=\"_ _0\"></span>ls swa<span class=\"_ _0\"></span>ps whic<span class=\"_ _0\"></span>h were ef<span class=\"_ _0\"></span>fec<span class=\"_ _0\"></span>tive pr<span class=\"_ _0\"></span>ior to the e<span class=\"_ _0\"></span>vent, re<span class=\"_ _0\"></span>placi<span class=\"_ _0\"></span>ng with n<span class=\"_ _0\"></span>ew swap<span class=\"_ _0\"></span>s within S<span class=\"_ _0\"></span>PV st<span class=\"_ _0\"></span>ructur<span class=\"_ _0\"></span>es, wit<span class=\"_ _0\"></span>h the des<span class=\"_ _0\"></span>ignate<span class=\"_ _0\"></span>d he<span class=\"_ _0\"></span>dge mov<span class=\"_ _0\"></span>ed to can<span class=\"_ _0\"></span>celle<span class=\"_ _0\"></span>d hed<span class=\"_ _0\"></span>ge rela<span class=\"_ _0\"></span>tions<span class=\"_ _0\"></span>hips to b<span class=\"_ _0\"></span>e amor<span class=\"_ _0\"></span>tise<span class=\"_ _0\"></span>d over the o<span class=\"_ _0\"></span>rigin<span class=\"_ _0\"></span>al life of th<span class=\"_ _0\"></span>e swap.<span class=\"_ _311\"> </span>The tables belo<span class=\"_ _4\"></span>w analyse the Group\u2019<span class=\"_ _1\"></span>s portfolio hedge accounting for fix<span class=\"_ _4\"></span>ed rate amount<span class=\"_ _4\"></span>s owe<span class=\"_ _4\"></span>d to ret<span class=\"_ _4\"></span>ail depositors:<span class=\"_ _311\"> </span><table class=\"s w520 hde\" id=\"_b4c1e446-1577-495d-a8ed-7606c3969743\"><tr><td></td><td class=\"c n x852 y453b w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x853 y453b w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x854 h2e y453c ff1 fs16 fc6 sc0 ls1 ws0\">Hedged  </td><td class=\"t m0 x855 h2e y453d ff1 fs16 fc6 sc0 ls1 ws0\">Hedging </td><td class=\"t m0 x4a4 h2b y453e ff2 fs16 fc5 sc0 ls1 ws0\">Hedged </td><td class=\"t m0 x537 h2b y453f ff2 fs16 fc5 sc0 ls1 ws0\">Hedging </td></tr><tr><td></td><td class=\"t m0 x867 h2e y4540 ff1 fs16 fc6 sc0 ls1 ws0\">item<span class=\"_ _311\"> </span></td><td class=\"t m0 x857 h2e y4541 ff1 fs16 fc6 sc0 ls1 ws0\">instrument</td><td class=\"t m0 x66e h2b y4542 ff2 fs16 fc5 sc0 ls1 ws0\"> item<span class=\"_ _311\"> </span></td><td class=\"t m0 x858 h2b y4543 ff2 fs16 fc5 sc0 ls1 ws0\">instrument<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4544 ff2 fs16 fc5 sc0 ls1 ws0\">Customer deposits<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y4545 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85a h2e y4546 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4547 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4548 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h16 y4549 ff4 fs3 fc5 sc0 ls1 ws0\">Carrying amount of hedge<span class=\"_ _4\"></span>d item/<span class=\"_ _1\"></span>nominal </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y451b w505 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">value of hedging ins<span class=\"_ _4\"></span>trument<span class=\"_ _311\"> </span></div></td><td class=\"c n x868 y454a w521 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11d ws130\">8<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>5</div></td><td class=\"c n x869 y454a w3d6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0</div></td><td class=\"c n x86a y451b w522 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">9<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"> </span>3</div></td><td class=\"c n x86b y451b w523 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y454b ff4 fs3 fc5 sc0 ls1 ws0\">Cumulative fair v<span class=\"_ _4\"></span>alue adjustments o<span class=\"_ _4\"></span>f hedged </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4537 w50a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">item/<span class=\"_ _4\"></span>fair value of hedging ins<span class=\"_ _4\"></span>trument<span class=\"_ _311\"> </span></div></td><td class=\"c n x86c y454c w524 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls116 ws123\">(6<span class=\"_ _0\"></span>.7<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x86d y454c w4ce ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">16<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x86e y4537 w525 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">5<span class=\"_ _0\"></span>8.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x86f y4537 w526 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y454d ff4 fs3 fc5 sc0 ls44 ws0\">Changes in the fair value adjus<span class=\"_ _4\"></span>tment of hedged </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y454e ff4 fs3 fc5 sc0 ls42 ws0\">item/hedging ins<span class=\"_ _4\"></span>trument used for recognising </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w51d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws0\">the hedge ineffectiveness for the perio<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x864 y431e w153 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x870 y431e w527 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">78<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x871 y426d w528 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x872 y426d w529 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>2.4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr></table>In the Consolidated Stat<span class=\"_ _4\"></span>ement of Financial Position, \u00a340<span class=\"_ _4\"></span>.3m (2022: \u00a32.<span class=\"_ _3\"></span>4m) of hedging instrumen<span class=\"_ _4\"></span>ts were r<span class=\"_ _4\"></span>ecognised within derivative assets; and \u00a32<span class=\"_ _4\"></span>3.<span class=\"_ _1\"></span>4m (2022: \u00a37<span class=\"_ _4\"></span>0<span class=\"_ _4\"></span>.3m) within derivative liabilities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The table belo<span class=\"_ _4\"></span>w analyses the Group\u2019<span class=\"_ _1\"></span>s \u2018<span class=\"_ _1\"></span>micro<span class=\"_ _4\"></span>\u2019 hedge accounting for fixed r<span class=\"_ _4\"></span>ate senior notes and subordinate<span class=\"_ _4\"></span>d liabilities:<span class=\"_ _311\"> </span><table class=\"s w519 hdd\" id=\"_8de51f52-ea31-4ee2-9ea2-3258c5fe8982\"><tr><td></td><td class=\"c n x852 y4525 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x853 y4525 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x854 h2e y4526 ff1 fs16 fc6 sc0 ls1 ws0\">Hedged </td><td class=\"t m0 x855 h2e y4527 ff1 fs16 fc6 sc0 ls1 ws0\">Hedging </td><td class=\"t m0 x4a4 h2b y4528 ff2 fs16 fc5 sc0 ls1 ws0\">Hedged </td><td class=\"t m0 x537 h2b y4529 ff2 fs16 fc5 sc0 ls1 ws0\">Hedging </td></tr><tr><td></td><td class=\"t m0 x856 h2e y452a ff1 fs16 fc6 sc0 ls1 ws0\"> item<span class=\"_ _311\"> </span></td><td class=\"t m0 x857 h2e y452b ff1 fs16 fc6 sc0 ls1 ws0\">instrument</td><td class=\"t m0 x66e h2b y452c ff2 fs16 fc5 sc0 ls1 ws0\"> item<span class=\"_ _311\"> </span></td><td class=\"t m0 x858 h2b y452d ff2 fs16 fc5 sc0 ls1 ws0\">instrument<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y452e ff2 fs16 fc5 sc0 ls1 ws0\">Senior notes and subordinated liabilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y452f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85a h2e y4530 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4531 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4532 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h16 y4533 ff4 fs3 fc5 sc0 ls1 ws0\">Carrying amount of hedge<span class=\"_ _4\"></span>d item/<span class=\"_ _1\"></span>nominal </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4534 w505 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">value of hedging ins<span class=\"_ _4\"></span>trument<span class=\"_ _311\"> </span></div></td><td class=\"c n x85c y4535 w51a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">36<span class=\"_ _0\"></span>5.0</div></td><td class=\"c n x85d y4535 w51b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>65.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x85e y4534 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x85f y4534 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4536 ff4 fs3 fc5 sc0 ls1 ws0\">Cumulative fair v<span class=\"_ _4\"></span>alue adjustments o<span class=\"_ _4\"></span>f hedged </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4537 w50a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">item/<span class=\"_ _4\"></span>fair value of hedging ins<span class=\"_ _4\"></span>trument<span class=\"_ _311\"> </span></div></td><td class=\"c n x860 y4538 w51c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">(15.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x861 y4538 wed ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x862 y4537 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x863 y4537 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4539 ff4 fs3 fc5 sc0 ls44 ws0\">Changes in the fair value adjus<span class=\"_ _4\"></span>tment of hedged </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y453a ff4 fs3 fc5 sc0 ls42 ws0\">item/hedging ins<span class=\"_ _4\"></span>trument used for recognising </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w51d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws0\">the hedge ineffectiveness for the perio<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x864 y426c w51c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">(15.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x865 y426c w51e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x7c2 y426d w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x866 y426d wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table>The Group has elected t<span class=\"_ _4\"></span>o par<span class=\"_ _0\"></span>tially hedge the senior not<span class=\"_ _4\"></span>es up to the optional redemption date which re<span class=\"_ _4\"></span>flects management\u2019<span class=\"_ _1\"></span>s expectations about the e<span class=\"_ _4\"></span>xercise of the c<span class=\"_ _4\"></span>all option. In the Consolidated Stat<span class=\"_ _4\"></span>ement of Financial Position, \u00a315.6m (<span class=\"_ _4\"></span>2022: nil) of hedging instrumen<span class=\"_ _4\"></span>ts wer<span class=\"_ _4\"></span>e recognised within derivativ<span class=\"_ _4\"></span>e assets",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfHedgeAccountingExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-443": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws135 gs4a3\">24<span class=\"_ _4\"></span>. Other <span class=\"_ _0\"></span>assets </div><div class=\"gs4a4\"><table class=\"s w16e hdf\" id=\"_d909cb92-a4bc-4f2b-8724-32dbd729305e\"><tr><td></td><td class=\"t m0 x296 h2e y454f ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y454f ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4550 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4550 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4551 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4552 w52a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Prepayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x873 y4553 w52b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x874 y4552 w52c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4554 w74 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x875 y4555 w52d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x876 y4554 w52e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4556 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due more than one year:<span class=\"_ _2a5\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4557 w52a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prepayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x877 y4558 w21e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x878 y4557 w52f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x879 y431e w76 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x87a y426d w2ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">15.0</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-520": {
   "value": "24<span class=\"_ _4\"></span>. Other <span class=\"_ _0\"></span>assets <table class=\"s w16e hdf\" id=\"_d909cb92-a4bc-4f2b-8724-32dbd729305e\"><tr><td></td><td class=\"t m0 x296 h2e y454f ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y454f ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4550 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4550 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4551 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4552 w52a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Prepayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x873 y4553 w52b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x874 y4552 w52c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4554 w74 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x875 y4555 w52d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x876 y4554 w52e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4556 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due more than one year:<span class=\"_ _2a5\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4557 w52a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prepayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x877 y4558 w21e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x878 y4557 w52f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x879 y431e w76 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x87a y426d w2ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">15.0</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-485": {
   "value": "24<span class=\"_ _4\"></span>. Other <span class=\"_ _0\"></span>assets <table class=\"s w16e hdf\" id=\"_d909cb92-a4bc-4f2b-8724-32dbd729305e\"><tr><td></td><td class=\"t m0 x296 h2e y454f ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y454f ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4550 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4550 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4551 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4552 w52a ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Prepayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x873 y4553 w52b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x874 y4552 w52c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4554 w74 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x875 y4555 w52d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x876 y4554 w52e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4556 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due more than one year:<span class=\"_ _2a5\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4557 w52a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prepayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x877 y4558 w21e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x878 y4557 w52f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x879 y431e w76 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x87a y426d w2ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">15.0</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-442": {
   "value": "25<span class=\"_ _4\"></span>. <span class=\"_ _4\"></span>Deferred taxation asset<span class=\"_ _311\"> </span><table class=\"s w530 he0\" id=\"_3d3bca9e-3ff5-485f-b99f-0a4d86a04a21\"><tr><td></td><td class=\"t m0 x87b h2b y4559 ff2 fs16 fc5 sc0 ls1 ws0\">Losses </td><td></td><td class=\"t m0 x87c h2b y455a ff2 fs16 fc5 sc0 ls1 ws0\">Share-<span class=\"_ _311\"> </span></td><td class=\"t m0 x307 h2b y455b ff2 fs16 fc5 sc0 ls1 ws0\">IFRS 9 </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87d h2b y455c ff2 fs16 fc5 sc0 ls1 ws0\">carried </td><td class=\"t m0 x87e h2b y455d ff2 fs16 fc5 sc0 ls1 ws0\">Accelerated </td><td class=\"t m0 x74d h2b y455e ff2 fs16 fc5 sc0 ls1 ws0\">based </td><td class=\"t m0 x696 h2b y455f ff2 fs16 fc5 sc0 ls1 ws0\">transitional </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x87f h2b y4560 ff2 fs16 fc5 sc0 ls1 ws0\">forward<span class=\"_ _311\"> </span></td><td class=\"t m0 x723 h2b y4561 ff2 fs16 fc5 sc0 ls1 ws0\">depreciation<span class=\"_ _311\"> </span></td><td class=\"t m0 x880 h2b y4562 ff2 fs16 fc5 sc0 ls1 ws0\">payments<span class=\"_ _311\"> </span></td><td class=\"t m0 x881 h2b y4563 ff2 fs16 fc5 sc0 ls1 ws0\">adjustments<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2b y4563 ff2 fs16 fc5 sc0 ls1 ws0\">Others<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y4564 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x4fe h2b y4565 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y4566 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4567 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4568 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4569 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4569 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y456a wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x884 y456a w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x885 y456a w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x886 y456a w531 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">5.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x887 y456a wd5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x888 y456a wd8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x889 y456a w532 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y456b ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss (<span class=\"_ _4\"></span>charge)/<span class=\"_ _3\"></span>credit<span class=\"_ _311\"> </span></td><td class=\"c n x88a y456c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x88b y456c w533 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(0.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x88c y456c w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x88d y456c w488 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x88e y456c w534 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x88f y456c w535 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y456d w536 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to OCI<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y456d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x891 y456d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x892 y456d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x893 y456d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x894 y456d we7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x895 y456d w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y456e w537 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to equity<span class=\"_ _311\"> </span></div></td><td class=\"c n x896 y456e w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x897 y456e w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x898 y456e w538 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x899 y456e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x89a y456e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x89b y456e w336 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y456f wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x89c y456f w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x89d y456f w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x89e y456f w539 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x89f y456f w22d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a0 y456f w53a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a1 y456f w7d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">6.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4570 w53b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss (<span class=\"_ _4\"></span>charge)/<span class=\"_ _3\"></span>credit<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a2 y4571 w40 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a3 y4571 w53c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(0.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a4 y4571 w53d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a5 y4571 w53e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a6 y4571 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a7 y4571 w4a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4572 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransferre<span class=\"_ _4\"></span>d from deferred </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4573 ff4 fs3 fc5 sc0 ls1 ws0\">tax<span class=\"_ gs27\"> </span>liability<span class=\"_ _311\"> </span></td><td class=\"c n x88a y4574 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a8 y4574 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8a9 y4574 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8aa y4574 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ab y4574 w51e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ac y4574 w53f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4575 w536 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to OCI<span class=\"_ _311\"> </span></div></td><td class=\"c n x890 y4576 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ad y4576 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ae y4576 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8af y4576 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b0 y4576 w45 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b1 y4576 w540 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4577 w537 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax tak<span class=\"_ _4\"></span>en directly to equity<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b2 y4578 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b3 y4578 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b4 y4578 w541 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b5 y4578 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b6 y4578 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b7 y4578 w53e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b8 y426d w542 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x8b9 y426d w543 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(0.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ba y426d w544 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x8bb y426d w545 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8bc y426d w546 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8bd y426d w1f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>O<span class=\"_ _0\"></span>ther<span class=\"_ _0\"></span>s inclu<span class=\"_ _0\"></span>des de<span class=\"_ _0\"></span>ferre<span class=\"_ _0\"></span>d taxatio<span class=\"_ _0\"></span>n asse<span class=\"_ _0\"></span>ts rec<span class=\"_ _0\"></span>ognis<span class=\"_ _0\"></span>ed on f<span class=\"_ _0\"></span>inanc<span class=\"_ _0\"></span>ial ass<span class=\"_ _0\"></span>ets cl<span class=\"_ _0\"></span>assif<span class=\"_ _0\"></span>ied a<span class=\"_ _0\"></span>s FVOC<span class=\"_ _0\"></span>I, der<span class=\"_ _0\"></span>ivati<span class=\"_ _0\"></span>ves and s<span class=\"_ _0\"></span>hor<span class=\"_ _0\"></span>t<span class=\"_ _1\"></span>-<span class=\"_ _311\"> </span>term timing differe<span class=\"_ _0\"></span>nces.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>In 20<span class=\"_ _0\"></span>23 there w<span class=\"_ _0\"></span>as no pri<span class=\"_ _0\"></span>or year d<span class=\"_ _0\"></span>eferr<span class=\"_ _0\"></span>ed tax (2022 \u00a3<span class=\"_ _0\"></span>0.3m). 3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>\u00a3<span class=\"_ _0\"></span>1.7m relati<span class=\"_ _0\"></span>ng to othe<span class=\"_ _0\"></span>r defer<span class=\"_ _0\"></span>red tax as<span class=\"_ _0\"></span>set<span class=\"_ _0\"></span>s, and pre<span class=\"_ _0\"></span>viou<span class=\"_ _0\"></span>sly show<span class=\"_ _0\"></span>n withi<span class=\"_ _0\"></span>n the Def<span class=\"_ _0\"></span>erre<span class=\"_ _0\"></span>d tax liabi<span class=\"_ _0\"></span>lity (see No<span class=\"_ _0\"></span>te 35) ha<span class=\"_ _0\"></span>s be<span class=\"_ _0\"></span>en trans<span class=\"_ _0\"></span>ferre<span class=\"_ _0\"></span>d to the D<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>set.<span class=\"_ _311\"> </span>In 2022, the pro<span class=\"_ _4\"></span>fit or loss credit for deferr<span class=\"_ _4\"></span>ed tax includes a credit of \u00a30<span class=\"_ _1\"></span>.2m from the corporation tax rat<span class=\"_ _4\"></span>e change. As at 31 December 2023<span class=\"_ _4\"></span>, the Group had \u00a33.<span class=\"_ _4\"></span>5m (2022: \u00a33.<span class=\"_ _4\"></span>5m) of losses for which a def<span class=\"_ _4\"></span>erred tax asset has not been recognised as the Gr<span class=\"_ _4\"></span>oup does not expect sufficient future profit<span class=\"_ _4\"></span>s to be available to utilise the losses<span class=\"_ _4\"></span>. As at 31 December 2023 def<span class=\"_ _4\"></span>erred tax assets of \u00a32.<span class=\"_ _1\"></span>0m (2022: \u00a32.3m) are e<span class=\"_ _4\"></span>xpected to be utilised within 12 months and \u00a31.8m (<span class=\"_ _4\"></span>2022: \u00a34<span class=\"_ _4\"></span>.0m) utilised after 12 months<span class=\"_ _311\"> </span><span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>35. <span class=\"_ _1\"></span>Deferred taxation liability<span class=\"_ _311\"> </span>The deferr<span class=\"_ _4\"></span>ed tax liability recognised on the Combination relates t<span class=\"_ _4\"></span>o the timing dif<span class=\"_ _0\"></span>fer<span class=\"_ _4\"></span>ences of the recognition o<span class=\"_ _4\"></span>f assets and liabilities at fair value<span class=\"_ _4\"></span>, where the fair values will unwind in future periods in line with the underlying asset or liability. The def<span class=\"_ _4\"></span>erred tax liability has been measured using the r<span class=\"_ _4\"></span>elevant r<span class=\"_ _4\"></span>ates for the expecte<span class=\"_ _4\"></span>d periods of utilisation.<span class=\"_ _311\"> </span><table class=\"s w5e4 hea\" id=\"_8cb05ae0-8a5e-4841-a403-772ea3555355\"><tr><td></td><td class=\"t m0 x85b h2b y45eb ff2 fs16 fc5 sc0 ls1 ws0\">CCFS Combination </td></tr><tr><td></td><td class=\"t m0 x49d h2b y45ec ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y45ed wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x2c5 y45ed w5e5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y45ee ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss cr<span class=\"_ _4\"></span>edit<span class=\"_ _311\"> </span></td><td class=\"t m0 x41f h16 y45ef ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y45f0 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d2 y45f0 wac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">22.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45f1 w5e6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Profit or loss cr<span class=\"_ _4\"></span>edit<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d3 y45f2 w353 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">(14.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y45f3 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer to De<span class=\"_ _4\"></span>ferred tax asset<span class=\"_ _311\"> </span></td><td class=\"t m0 x9d4 hc y45f4 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d5 y426d wab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6.3<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In 20<span class=\"_ _0\"></span>22, the pro<span class=\"_ _0\"></span>fit or l<span class=\"_ _0\"></span>oss cre<span class=\"_ _0\"></span>dit inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s \u00a34.7m impac<span class=\"_ _0\"></span>t of the co<span class=\"_ _0\"></span>rpora<span class=\"_ _0\"></span>tion tax ra<span class=\"_ _0\"></span>te chang<span class=\"_ _0\"></span>es.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>\u00a3<span class=\"_ _0\"></span>1.7m relati<span class=\"_ _0\"></span>ng to othe<span class=\"_ _0\"></span>r defer<span class=\"_ _0\"></span>red tax as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>, and pre<span class=\"_ _0\"></span>vious<span class=\"_ _0\"></span>ly show<span class=\"_ _0\"></span>n within t<span class=\"_ _0\"></span>he Def<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>ax liabil<span class=\"_ _0\"></span>ity has b<span class=\"_ _0\"></span>een tran<span class=\"_ _0\"></span>sferr<span class=\"_ _0\"></span>ed to the D<span class=\"_ _0\"></span>eferr<span class=\"_ _0\"></span>ed tax as<span class=\"_ _0\"></span>set (see N<span class=\"_ _0\"></span>ote 25).<span class=\"_ _311\"> </span>As at 31 December 2023 def<span class=\"_ _4\"></span>erred tax liabilities of \u00a33<span class=\"_ _4\"></span>.8m (2022: \u00a35<span class=\"_ _4\"></span>.6m) are expect<span class=\"_ _4\"></span>ed to be due within 12 months and \u00a32.<span class=\"_ _4\"></span>5m (2022: \u00a316.<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>m) due after 12 months.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-444": {
   "value": "26<span class=\"_ _4\"></span>. Pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty, plant and equipment<span class=\"_ _311\"> </span><table class=\"s w547 he1\" id=\"_90d8b13e-a282-47e1-aa8e-ed56cdb3efc1\"><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x425 h2b y4579 ff2 fs16 fc5 sc0 ls1 ws0\">Right of use assets<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x8be h2b y457a ff2 fs16 fc5 sc0 ls1 ws0\">Freehold </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x66a h2b y457b ff2 fs16 fc5 sc0 ls1 ws0\">land and </td><td class=\"t m0 x6f8 h2b y457c ff2 fs16 fc5 sc0 ls1 ws0\">Leasehold </td><td class=\"t m0 x424 h2b y457d ff2 fs16 fc5 sc0 ls1 ws0\">Equipment </td><td class=\"t m0 x8bf h2b y457e ff2 fs16 fc5 sc0 ls1 ws0\">Property </td><td class=\"t m0 x422 h2b y457f ff2 fs16 fc5 sc0 ls1 ws0\">Other  </td><td></td></tr><tr><td></td><td class=\"t m0 x66a h2b y4580 ff2 fs16 fc5 sc0 ls1 ws0\">buildings<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c0 h2b y4581 ff2 fs16 fc5 sc0 ls1 ws0\">improv<span class=\"_ _4\"></span>ements<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c1 h2b y4582 ff2 fs16 fc5 sc0 ls1 ws0\">and fixtures<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4583 ff2 fs16 fc5 sc0 ls1 ws0\">leases<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c2 h2b y4584 ff2 fs16 fc5 sc0 ls1 ws0\">leases<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4582 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x802 h2b y4585 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b3 h2b y4586 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2b y4587 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2b y4588 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b6 h2b y4589 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4587 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y458a ff1 fs3 fc5 sc0 ls7d ws84\">Co<span class=\"_ _0\"></span>st<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y458b wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c4 y458b w2d7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c5 y458b w548 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c6 y458b wb7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c7 y458b w102 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c8 y458b w2de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8c9 y458b w549 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y458c ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x8ca y458d w452 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cb y458d w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cc y458d w54a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cd y458d w54b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ce y458d w54c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8cf y458d w2ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y458e ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y458f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d1 y458f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d2 y458f w34b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d3 y458f w352 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d4 y458f w54d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d5 y458f w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4590 w54f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change dif<span class=\"_ _0\"></span>fer<span class=\"_ _4\"></span>ence<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d6 y4590 we0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws46\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d7 y4590 we1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws46\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d8 y4590 w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d9 y4590 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8da y4590 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8db y4590 w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4591 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x8dc y4591 w550 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">20.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8dd y4591 w551 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8de y4591 w552 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8df y4591 w553 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e0 y4591 w554 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e1 y4591 w555 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4592 ff1 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></td><td class=\"c n x8e2 y4593 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e3 y4593 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e4 y4593 w556 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e5 y4593 w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e6 y4593 w116 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e7 y4593 w557 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4594 ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y4595 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e8 y4595 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e9 y4595 w558 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ea y4595 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8eb y4595 w541 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ec y4595 w559 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(3<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4596 ff1 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4597 w55a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">difference<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ed y4597 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ee y4597 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ef y4597 w541 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f0 y4597 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f1 y4597 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f2 y4597 w541 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4598 w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f3 y4598 w55b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">20.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f4 y4598 w55c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x468 y4598 w29c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f5 y4598 w55d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f6 y4598 w55e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f7 y4598 w55f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">6<span class=\"_ _0\"></span>3.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4599 ff1 fs3 fc5 sc0 ls1 ws0\">Depreciation<span class=\"_ _4d\"> </span><span class=\"ff4\"> <span class=\"_ _ff\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _269\"> </span> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y459a wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f8 y459a w450 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x8f9 y459a w1da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fa y459a w560 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fb y459a w452 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">3.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fc y459a w1df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fd y459a w2d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y459b w561 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charged in ye<span class=\"_ _4\"></span>ar<span class=\"_ _311\"> </span></div></td><td class=\"c n x8fe y459b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ff y459b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x900 y459b w26b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x901 y459b w562 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x902 y459b wf9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x903 y459b w22b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">5.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y459c ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y459d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d1 y459d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d2 y459d w34b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d3 y459d w352 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d4 y459d w54d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8d5 y459d w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y459e wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x904 y459e w7a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x905 y459e w2de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x906 y459e w563 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x907 y459e w563 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x908 y459e w564 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x909 y459e w565 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y459f w566 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Charged in year<span class=\"_ _311\"> </span></div></td><td class=\"c n x90a y459f w329 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x90b y459f w567 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x90c y459f w25d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x90d y459f w568 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x90e y459f w124 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x90f y459f w22a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">6.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y45a0 ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x8d0 y45a1 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e8 y45a1 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8e9 y45a1 w558 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ea y45a1 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x8eb y45a1 w541 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x8ec y45a1 w559 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(3<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45a2 w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x910 y45a2 w569 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x911 y45a2 w56a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x912 y45a2 w56b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x913 y45a2 w3a4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x914 y45a2 w5e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x5c8 y45a2 w56c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y45a3 ff1 fs3 fc5 sc0 ls1 ws0\">Net book value<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45a4 w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x915 y45a4 w187 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x916 y45a4 w214 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x917 y45a4 w2e2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x918 y45a4 w56d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x919 y45a4 w56e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x91a y45a4 w80 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">43.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x91b y426d w2eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">18.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x91c y426d w56f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x91d y426d w570 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x91e y426d w563 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x91f y426d w571 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x41e y426d w572 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>A<span class=\"_ _0\"></span>dditio<span class=\"_ _0\"></span>ns incl<span class=\"_ _0\"></span>ude pro<span class=\"_ _0\"></span>per<span class=\"_ _0\"></span>ty lea<span class=\"_ _0\"></span>ses mo<span class=\"_ _0\"></span>difi<span class=\"_ _0\"></span>catio<span class=\"_ _0\"></span>ns of \u00a30.5<span class=\"_ _0\"></span>m (2022: \u00a30.5<span class=\"_ _0\"></span>m<span class=\"_ _4\"></span>) a<span class=\"_ _0\"></span>nd other l<span class=\"_ _0\"></span>eas<span class=\"_ _0\"></span>es mod<span class=\"_ _0\"></span>ific<span class=\"_ _0\"></span>ations o<span class=\"_ _0\"></span>f \u00a31.5m (2022: ni<span class=\"_ _0\"></span>l) of righ<span class=\"_ _0\"></span>t of use as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Dur<span class=\"_ _0\"></span>ing the y<span class=\"_ _0\"></span>ear the G<span class=\"_ _0\"></span>roup de<span class=\"_ _0\"></span>reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d fully d<span class=\"_ _0\"></span>epre<span class=\"_ _0\"></span>ciate<span class=\"_ _0\"></span>d asse<span class=\"_ _0\"></span>ts.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-447": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs4b2\">27<span class=\"_ _3d\"></span>. <span class=\"_ _33\"></span>Int<span class=\"_ _4\"></span>angible assets<span class=\"_ _311\"> </span></div><div class=\"t m0 h33 ff2 fs1a fc5 sc0 ls1 ws0 gs4b3\">1<span class=\"_ _311\"> </span></div><div class=\"gs4b4\"><table class=\"s w573 he2\" id=\"_dfbbc495-6c1d-4a05-8df8-8b0236921cf6\"><tr><td></td><td></td><td class=\"t m0 x920 h2b y45a5 ff2 fs16 fc5 sc0 ls1 ws0\">Computer </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x921 h2b y45a6 ff2 fs16 fc5 sc0 ls1 ws0\">Developmen<span class=\"_ _4\"></span>t </td><td class=\"t m0 x74b h2b y45a6 ff2 fs16 fc5 sc0 ls1 ws0\">software and </td><td class=\"t m0 x922 h2b y45a7 ff2 fs16 fc5 sc0 ls1 ws0\">Assets arising on </td><td></td></tr><tr><td></td><td class=\"t m0 x7d0 h2b y45a8 ff2 fs16 fc5 sc0 lsb0 ws45\">cost<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></td><td class=\"t m0 x71f h2b y45a8 ff2 fs16 fc5 sc0 ls1 ws0\">licences </td><td class=\"t m0 x74e h2b y45a9 ff2 fs16 fc5 sc0 ls1 ws0\">Combination<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y45aa ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x74c h2b y45ab ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x923 h2b y45ac ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2b y45ab ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45ab ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y45ad ff1 fs3 fc5 sc0 ls7d ws84\">Co<span class=\"_ _0\"></span>st<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45ae wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x924 y45ae w574 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x925 y45ae w1a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x42f y45ae w42a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x926 y45ae w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45af w576 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></div></td><td class=\"c n x927 y45af w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x928 y45af w15c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x929 y45af wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x895 y45af w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y45b0 ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x92a y45b1 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x92b y45b1 w578 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92c y45b1 w15f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92d y45b1 w380 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">(5.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b2 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x92e y45b2 w313 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x92f y45b2 w579 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x930 y45b2 w2ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">2<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x931 y45b2 w57a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b3 w57b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></div></td><td class=\"c n x932 y45b3 w57c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x933 y45b3 w1eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x934 y45b3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x935 y45b3 w57d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b4 w57e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>ransfer during the year<span class=\"_ _311\"> </span></div></td><td class=\"c n x936 y45b4 w57f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x937 y45b4 w580 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x938 y45b4 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x939 y45b4 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45b5 ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x92a y45b6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x93a y45b6 w581 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93b y45b6 w53e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93c y45b6 w582 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b7 w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a3 y45b7 w583 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">20.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x93d y45b7 w584 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">13.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x93e y45b7 w585 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x93f y45b7 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5<span class=\"_ _0\"></span>5.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45b8 ff1 fs3 fc5 sc0 ls1 ws0\">Amortisation<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45b9 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x940 y45b9 w22d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x941 y45b9 w587 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x942 y45b9 w588 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x943 y45b9 w481 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">24.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45ba w561 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charged in ye<span class=\"_ _4\"></span>ar<span class=\"_ _311\"> </span></div></td><td class=\"c n x944 y45ba w589 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x945 y45ba w58a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x946 y45ba wbe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x947 y45ba w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">8.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y45bb ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x92a y43fe wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x92b y43fe w578 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92c y43fe w15f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92d y43fe w380 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">(5.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4402 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x948 y4402 w58b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x949 y4402 w2f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x94a y4402 w58c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f9 y4402 w58d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45bc w58e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Charged in year<span class=\"_ _311\"> </span></div></td><td class=\"c n x94b y45bc w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x94c y45bc w58f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x94d y45bc w580 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x94e y45bc w22c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45bd ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x92a y45be w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x93a y45be w581 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93b y45be w53e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93c y45be w582 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45bf w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x94f y45bf w203 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x950 y45bf w590 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x951 y45bf w56c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x952 y45bf w591 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45c0 ff1 fs3 fc5 sc0 ls1 ws0\">Net book value<span class=\"_ _9c\"> </span> <span class=\"_ _21c\"> </span> <span class=\"_ _146\"> </span> <span class=\"_ _21c\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45c1 w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x953 y45c1 w29c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">18<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x954 y45c1 w21e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x955 y45c1 w592 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x956 y45c1 w593 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x92e y426d w11f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x957 y426d w594 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x958 y426d w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">3<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x959 y426d w85 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">12.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h33 ff2 fs1a fc5 sc0 ls1 ws0 gs4b5\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4b6\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h54 ff1 fs10 fc5 sc0 ls1 ws0 gs4b7\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs4b8\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h54 ff1 fs10 fc5 sc0 ls1 ws0 gs4b9\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4ba\">1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>e in deve<span class=\"_ _0\"></span>lopm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>sts is la<span class=\"_ _0\"></span>rgely du<span class=\"_ _0\"></span>e to the mo<span class=\"_ _0\"></span>derni<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n proje<span class=\"_ _0\"></span>ct.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4bb\">2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>A<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s arisin<span class=\"_ _0\"></span>g on Com<span class=\"_ _0\"></span>binati<span class=\"_ _0\"></span>on incl<span class=\"_ _0\"></span>ude bro<span class=\"_ _0\"></span>k<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>r relat<span class=\"_ _0\"></span>ionshi<span class=\"_ _0\"></span>ps of \u00a30.7m (2022: \u00a3<span class=\"_ _0\"></span>2.0m)<span class=\"_ _4\"></span>, te<span class=\"_ _0\"></span>chno<span class=\"_ _0\"></span>logy of ni<span class=\"_ _0\"></span>l (<span class=\"_ _4\"></span>20<span class=\"_ _0\"></span>22: \u00a30.4m<span class=\"_ _4\"></span>), </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4bc\">bran<span class=\"_ _0\"></span>d name<span class=\"_ _0\"></span>s of nil (2022: \u00a3<span class=\"_ _0\"></span>0.3m) and \u00a30.4m dev<span class=\"_ _0\"></span>elop<span class=\"_ _0\"></span>ment co<span class=\"_ _0\"></span>sts re<span class=\"_ _0\"></span>latin<span class=\"_ _0\"></span>g to IRB co<span class=\"_ _0\"></span>sts.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs4bd\">3.  <span class=\"_ _125\"> </span>Duri<span class=\"_ _0\"></span>ng the ye<span class=\"_ _0\"></span>ar the Gr<span class=\"_ _0\"></span>oup der<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d fully am<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>sed as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4be\">The Director<span class=\"_ _4\"></span>s have considered the carrying v<span class=\"_ _4\"></span>alue of intangible assets and determine<span class=\"_ _4\"></span>d that </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4bf\">there are no indications o<span class=\"_ _4\"></span>f impairment at the year end.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-487": {
   "value": "27<span class=\"_ _3d\"></span>. <span class=\"_ _33\"></span>Int<span class=\"_ _4\"></span>angible assets<span class=\"_ _311\"> </span>1<span class=\"_ _311\"> </span><table class=\"s w573 he2\" id=\"_dfbbc495-6c1d-4a05-8df8-8b0236921cf6\"><tr><td></td><td></td><td class=\"t m0 x920 h2b y45a5 ff2 fs16 fc5 sc0 ls1 ws0\">Computer </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x921 h2b y45a6 ff2 fs16 fc5 sc0 ls1 ws0\">Developmen<span class=\"_ _4\"></span>t </td><td class=\"t m0 x74b h2b y45a6 ff2 fs16 fc5 sc0 ls1 ws0\">software and </td><td class=\"t m0 x922 h2b y45a7 ff2 fs16 fc5 sc0 ls1 ws0\">Assets arising on </td><td></td></tr><tr><td></td><td class=\"t m0 x7d0 h2b y45a8 ff2 fs16 fc5 sc0 lsb0 ws45\">cost<span class=\"_ _0\"></span>s<span class=\"_ _311\"> </span></td><td class=\"t m0 x71f h2b y45a8 ff2 fs16 fc5 sc0 ls1 ws0\">licences </td><td class=\"t m0 x74e h2b y45a9 ff2 fs16 fc5 sc0 ls1 ws0\">Combination<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y45aa ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x74c h2b y45ab ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x923 h2b y45ac ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2b y45ab ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45ab ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y45ad ff1 fs3 fc5 sc0 ls7d ws84\">Co<span class=\"_ _0\"></span>st<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45ae wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x924 y45ae w574 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x925 y45ae w1a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x42f y45ae w42a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x926 y45ae w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45af w576 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></div></td><td class=\"c n x927 y45af w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x928 y45af w15c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x929 y45af wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x895 y45af w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y45b0 ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x92a y45b1 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x92b y45b1 w578 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92c y45b1 w15f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92d y45b1 w380 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">(5.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b2 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x92e y45b2 w313 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x92f y45b2 w579 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x930 y45b2 w2ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">2<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x931 y45b2 w57a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b3 w57b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Additions<span class=\"_ _311\"> </span></div></td><td class=\"c n x932 y45b3 w57c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x933 y45b3 w1eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x934 y45b3 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x935 y45b3 w57d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b4 w57e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>ransfer during the year<span class=\"_ _311\"> </span></div></td><td class=\"c n x936 y45b4 w57f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x937 y45b4 w580 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x938 y45b4 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x939 y45b4 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45b5 ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x92a y45b6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x93a y45b6 w581 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93b y45b6 w53e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93c y45b6 w582 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45b7 w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a3 y45b7 w583 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">20.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x93d y45b7 w584 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">13.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x93e y45b7 w585 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x93f y45b7 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5<span class=\"_ _0\"></span>5.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45b8 ff1 fs3 fc5 sc0 ls1 ws0\">Amortisation<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45b9 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x940 y45b9 w22d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x941 y45b9 w587 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x942 y45b9 w588 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x943 y45b9 w481 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">24.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45ba w561 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Charged in ye<span class=\"_ _4\"></span>ar<span class=\"_ _311\"> </span></div></td><td class=\"c n x944 y45ba w589 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x945 y45ba w58a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x946 y45ba wbe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x947 y45ba w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">8.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y45bb ff4 fs3 fc5 sc0 ls1 ws0\">Disposals and write-offs<span class=\"_ _311\"> </span></td><td class=\"c n x92a y43fe wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x92b y43fe w578 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92c y43fe w15f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x92d y43fe w380 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">(5.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4402 wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x948 y4402 w58b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x949 y4402 w2f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x94a y4402 w58c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x5f9 y4402 w58d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45bc w58e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Charged in year<span class=\"_ _311\"> </span></div></td><td class=\"c n x94b y45bc w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x94c y45bc w58f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x94d y45bc w580 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x94e y45bc w22c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45bd ff1 fs3 fc5 sc0 ls1 ws0\">Disposals and write-of<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></td><td class=\"c n x92a y45be w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x93a y45be w581 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93b y45be w53e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x93c y45be w582 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y45bf w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x94f y45bf w203 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x950 y45bf w590 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x951 y45bf w56c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x952 y45bf w591 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y45c0 ff1 fs3 fc5 sc0 ls1 ws0\">Net book value<span class=\"_ _9c\"> </span> <span class=\"_ _21c\"> </span> <span class=\"_ _146\"> </span> <span class=\"_ _21c\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y45c1 w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x953 y45c1 w29c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">18<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x954 y45c1 w21e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x955 y45c1 w592 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x956 y45c1 w593 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x92e y426d w11f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x957 y426d w594 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x958 y426d w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">3<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x959 y426d w85 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">12.0<span class=\"_ _311\"> </span></div></td></tr></table>2<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>3<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>In<span class=\"_ _0\"></span>creas<span class=\"_ _0\"></span>e in deve<span class=\"_ _0\"></span>lopm<span class=\"_ _0\"></span>ent co<span class=\"_ _0\"></span>sts is la<span class=\"_ _0\"></span>rgely du<span class=\"_ _0\"></span>e to the mo<span class=\"_ _0\"></span>derni<span class=\"_ _0\"></span>satio<span class=\"_ _0\"></span>n proje<span class=\"_ _0\"></span>ct.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>A<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s arisin<span class=\"_ _0\"></span>g on Com<span class=\"_ _0\"></span>binati<span class=\"_ _0\"></span>on incl<span class=\"_ _0\"></span>ude bro<span class=\"_ _0\"></span>k<span class=\"_ _4\"></span>e<span class=\"_ _0\"></span>r relat<span class=\"_ _0\"></span>ionshi<span class=\"_ _0\"></span>ps of \u00a30.7m (2022: \u00a3<span class=\"_ _0\"></span>2.0m)<span class=\"_ _4\"></span>, te<span class=\"_ _0\"></span>chno<span class=\"_ _0\"></span>logy of ni<span class=\"_ _0\"></span>l (<span class=\"_ _4\"></span>20<span class=\"_ _0\"></span>22: \u00a30.4m<span class=\"_ _4\"></span>), bran<span class=\"_ _0\"></span>d name<span class=\"_ _0\"></span>s of nil (2022: \u00a3<span class=\"_ _0\"></span>0.3m) and \u00a30.4m dev<span class=\"_ _0\"></span>elop<span class=\"_ _0\"></span>ment co<span class=\"_ _0\"></span>sts re<span class=\"_ _0\"></span>latin<span class=\"_ _0\"></span>g to IRB co<span class=\"_ _0\"></span>sts.<span class=\"_ _311\"> </span>3.  <span class=\"_ _125\"> </span>Duri<span class=\"_ _0\"></span>ng the ye<span class=\"_ _0\"></span>ar the Gr<span class=\"_ _0\"></span>oup der<span class=\"_ _0\"></span>eco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d fully am<span class=\"_ _0\"></span>orti<span class=\"_ _0\"></span>sed as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>.<span class=\"_ _311\"> </span>The Director<span class=\"_ _4\"></span>s have considered the carrying v<span class=\"_ _4\"></span>alue of intangible assets and determine<span class=\"_ _4\"></span>d that there are no indications o<span class=\"_ _4\"></span>f impairment at the year end.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-445": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs4c1\">28. <span class=\"_ _3\"></span>Amounts ow<span class=\"_ _4\"></span>ed to credit institutions<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w259 he4\" id=\"_5478c294-95ab-476e-8825-322f6aab1abe\"><tr><td></td><td class=\"t m0 x288 h2e y45c7 ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y45c7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45c8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4391 w5af ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">BoE TFSME<span class=\"_ _311\"> </span></div></td><td class=\"c n x979 y4392 w5b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,352.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x97a y4391 w5b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>23<span class=\"_ _0\"></span>2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w5b2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">BoE IL<span class=\"_ _1\"></span>TR<span class=\"_ _311\"> </span></div></td><td class=\"c n x97b y4330 w5b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x97c y432f w5b4 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w5b5 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Commercial repo<span class=\"_ _311\"> </span></div></td><td class=\"c n x97d y4444 w45 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x97e y4331 w393 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w5b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans from credit institutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x97f y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x980 y4271 w46 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x981 y4334 w5b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,362.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x982 y4268 w5b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,54<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash collateral and mar<span class=\"_ _4\"></span>gin received<span class=\"_ _311\"> </span></div></td><td class=\"c n x983 y4321 w5ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">212<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x984 y426b w598 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x985 y431e w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x986 y426d w5bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-486": {
   "value": "28. <span class=\"_ _3\"></span>Amounts ow<span class=\"_ _4\"></span>ed to credit institutions<span class=\"_ _311\"> </span><table class=\"s w259 he4\" id=\"_5478c294-95ab-476e-8825-322f6aab1abe\"><tr><td></td><td class=\"t m0 x288 h2e y45c7 ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y45c7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45c8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4391 w5af ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">BoE TFSME<span class=\"_ _311\"> </span></div></td><td class=\"c n x979 y4392 w5b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,352.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x97a y4391 w5b1 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>23<span class=\"_ _0\"></span>2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w5b2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">BoE IL<span class=\"_ _1\"></span>TR<span class=\"_ _311\"> </span></div></td><td class=\"c n x97b y4330 w5b3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x97c y432f w5b4 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4331 w5b5 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Commercial repo<span class=\"_ _311\"> </span></div></td><td class=\"c n x97d y4444 w45 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x97e y4331 w393 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w5b6 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans from credit institutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x97f y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x980 y4271 w46 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x981 y4334 w5b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,362.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x982 y4268 w5b8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,54<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5b9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash collateral and mar<span class=\"_ _4\"></span>gin received<span class=\"_ _311\"> </span></div></td><td class=\"c n x983 y4321 w5ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">212<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x984 y426b w598 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x985 y431e w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x986 y426d w5bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>29<span class=\"_ _3\"></span>. <span class=\"_ _0\"></span>Amounts o<span class=\"_ _4\"></span>wed to retail depositors<span class=\"_ _311\"> </span><table class=\"s w59d he3\" id=\"_1f1f2934-cc9d-467d-84f2-1a3a857adee1\"><tr><td></td><td></td><td class=\"c n x960 y45c4 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x961 y45c4 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x962 h2e y45c5 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x963 h2e y45c5 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x964 h2e y45c5 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x8bf h2b y45c5 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x805 h2b y45c5 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y45c5 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x965 h2e y45c6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x966 h2e y45c6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2e y45c6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y45c6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y45c6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w596 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fixed r<span class=\"_ _4\"></span>ate deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x967 y4334 w59e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">8,846.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x968 y4334 w59f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x969 y4334 w5a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _0\"></span>,34<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x96a y4268 w5a1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x96b y4268 w5a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x96c y4268 w5a3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5a4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls61 ws0\">V<span class=\"_ _4\"></span>ariable rate deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x96d y4321 w5a5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,3<span class=\"_ _4\"></span>99<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x96e y4321 w5a6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,386.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x96f y4321 w5a7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,786.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x970 y426b w5a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3,04<span class=\"_ _0\"></span>6.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x971 y426b w111 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2,<span class=\"_ _0\"></span>724.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x972 y426b w5a9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">5,7<span class=\"_ _0\"></span>7<span class=\"_ _4\"></span>0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x973 y431e w5aa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12,<span class=\"_ _0\"></span>246.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x974 y431e w5ab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">9<span class=\"_ _4\"></span>,880.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x975 y431e w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x976 y426d w5ac ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">11<span class=\"_ _0\"></span>,13<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x977 y426d w5ad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">8,623.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x978 y426d w5ae ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _2\"></span>9,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table>30. <span class=\"_ _3\"></span>Amounts o<span class=\"_ _4\"></span>wed to other customers<span class=\"_ _311\"> </span><table class=\"s w50 hc8\" id=\"_78f65f9c-3d65-4078-8369-80ee32397072\"><tr><td></td><td class=\"t m0 x288 h2e y45c2 ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y45c2 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45c3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c3 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w596 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fixed r<span class=\"_ _4\"></span>ate deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x95a y4269 w597 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls84 ws55\">58.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x95b y4268 w598 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w599 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">V<span class=\"_ _4\"></span>ariable rate deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x95c y426a w59a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x95d y426b w59b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x95e y426c w586 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x95f y426d w59c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table>Content<span class=\"_ _4\"></span>s",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-446": {
   "value": "29<span class=\"_ _3\"></span>. <span class=\"_ _0\"></span>Amounts o<span class=\"_ _4\"></span>wed to retail depositors<span class=\"_ _311\"> </span><table class=\"s w59d he3\" id=\"_1f1f2934-cc9d-467d-84f2-1a3a857adee1\"><tr><td></td><td></td><td class=\"c n x960 y45c4 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x961 y45c4 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 x962 h2e y45c5 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x963 h2e y45c5 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x964 h2e y45c5 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x8bf h2b y45c5 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x805 h2b y45c5 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y45c5 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x965 h2e y45c6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x966 h2e y45c6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2e y45c6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y45c6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y45c6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w596 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fixed r<span class=\"_ _4\"></span>ate deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x967 y4334 w59e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">8,846.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x968 y4334 w59f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x969 y4334 w5a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _0\"></span>,34<span class=\"_ _0\"></span>0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x96a y4268 w5a1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x96b y4268 w5a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x96c y4268 w5a3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5a4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls61 ws0\">V<span class=\"_ _4\"></span>ariable rate deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x96d y4321 w5a5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,3<span class=\"_ _4\"></span>99<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x96e y4321 w5a6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,386.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x96f y4321 w5a7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,786.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x970 y426b w5a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3,04<span class=\"_ _0\"></span>6.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x971 y426b w111 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2,<span class=\"_ _0\"></span>724.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x972 y426b w5a9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">5,7<span class=\"_ _0\"></span>7<span class=\"_ _4\"></span>0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x973 y431e w5aa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12,<span class=\"_ _0\"></span>246.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x974 y431e w5ab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">9<span class=\"_ _4\"></span>,880.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x975 y431e w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x976 y426d w5ac ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">11<span class=\"_ _0\"></span>,13<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x977 y426d w5ad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">8,623.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x978 y426d w5ae ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _2\"></span>9,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table>30. <span class=\"_ _3\"></span>Amounts o<span class=\"_ _4\"></span>wed to other customers<span class=\"_ _311\"> </span><table class=\"s w50 hc8\" id=\"_78f65f9c-3d65-4078-8369-80ee32397072\"><tr><td></td><td class=\"t m0 x288 h2e y45c2 ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y45c2 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45c3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45c3 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w596 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fixed r<span class=\"_ _4\"></span>ate deposits<span class=\"_ _311\"> </span></div></td><td class=\"c n x95a y4269 w597 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls84 ws55\">58.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x95b y4268 w598 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w599 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">V<span class=\"_ _4\"></span>ariable rate deposit<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x95c y426a w59a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x95d y426b w59b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x95e y426c w586 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x95f y426d w59c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table>Content<span class=\"_ _4\"></span>s",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-489": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs4c3\">31. <span class=\"_ _33\"></span>Debt securities in issue </div><div class=\"gs320\"><table class=\"s w385 he5\" id=\"_68db73b5-7ceb-4e3d-9403-8efd548b467e\"><tr><td></td><td class=\"t m0 x296 h2e y45c9 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y45c9 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y45ca ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y45ca ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4430 w5bc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Asset-back<span class=\"_ _4\"></span>ed loan notes at amortised cost<span class=\"_ _311\"> </span></div></td><td class=\"c n x987 y45cb w5bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x988 y4430 w9c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5be ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Amount due for settlemen<span class=\"_ _4\"></span>t within 12 months<span class=\"_ _311\"> </span></div></td><td class=\"c n x989 y43ab w5bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x98a y43ab w2a2 he6\"><div class=\"t m0 x253 hc y4240 ff19 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5c0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Amount due for settlemen<span class=\"_ _4\"></span>t af<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er 12 months<span class=\"_ _311\"> </span></div></td><td class=\"c n x98b y4273 w5c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x98c y426b w9c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x98d y4274 w5bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x98e y426d w5c2 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c4\">The asset-back<span class=\"_ _4\"></span>ed loan notes are secur<span class=\"_ _4\"></span>ed on fixed and variable r<span class=\"_ _4\"></span>ate mortgages and are </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c5\">redeemable in part from time to time<span class=\"_ _4\"></span>, but such redemptions are mainly fr<span class=\"_ _4\"></span>om the net principal </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c6\">receive<span class=\"_ _4\"></span>d from borrow<span class=\"_ _4\"></span>ers in respect o<span class=\"_ _4\"></span>f underlying mor<span class=\"_ _0\"></span>tgage asset<span class=\"_ _4\"></span>s. The maturity date of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c7\">funds matches the contr<span class=\"_ _4\"></span>actual maturity date of the underlying mortgage assets<span class=\"_ _4\"></span>. The Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c8\">expects that a lar<span class=\"_ _4\"></span>ge proportion of the underlying mortgage assets, and ther<span class=\"_ _4\"></span>efore these notes<span class=\"_ _4\"></span>, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4c9\">will be repaid within fiv<span class=\"_ _4\"></span>e years.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4ca\">Where the Group o<span class=\"_ _4\"></span>wn the call rights for a tr<span class=\"_ _4\"></span>ansaction, they may repurchase the asset-back<span class=\"_ _1\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4cb\">loan notes on any int<span class=\"_ _4\"></span>erest payment dat<span class=\"_ _4\"></span>e on or af<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er the call dates, or on any int<span class=\"_ _4\"></span>erest paymen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4cc\">date when the curren<span class=\"_ _4\"></span>t balance of the mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gages outstanding is less than or equal t<span class=\"_ _4\"></span>o 10% of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4cd\">the principal amount outs<span class=\"_ _4\"></span>tanding on the loan notes on the date they w<span class=\"_ _4\"></span>ere issued.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4ce\">Inter<span class=\"_ _4\"></span>est is payable at fixed mar<span class=\"_ _4\"></span>gins above SONIA.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4cf\">As at 31 December 2023<span class=\"_ _4\"></span>, notes were issued thr<span class=\"_ _4\"></span>ough the following funding v<span class=\"_ _4\"></span>ehicles:<span class=\"_ _311\"> </span></div><div class=\"gs4d0\"><table class=\"s w16e he7\" id=\"_9a9123b4-a8b1-4753-bcda-8cd43b55d12e\"><tr><td></td><td class=\"t m0 x296 h2e y45cc ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y45cc ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y45cd ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45cd ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w5c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.3 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x98f y440a w31 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x990 y432f w85 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">21.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w5c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x991 y4265 w5c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x992 y4264 w5c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w5c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2020-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x993 y4267 w5c8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x994 y4266 w5c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls88 ws8d\">141<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5ca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2023-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x995 y4269 w235 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">29<span class=\"_ _0\"></span>1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x996 y4268 w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Keys W<span class=\"_ _1\"></span>arehouse No<span class=\"_ _4\"></span>.1 Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x997 y426a w5cc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">250.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ab y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4bb y426c w5cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x998 y426d w9c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-536": {
   "value": "31. <span class=\"_ _33\"></span>Debt securities in issue <table class=\"s w385 he5\" id=\"_68db73b5-7ceb-4e3d-9403-8efd548b467e\"><tr><td></td><td class=\"t m0 x296 h2e y45c9 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y45c9 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y45ca ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y45ca ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4430 w5bc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Asset-back<span class=\"_ _4\"></span>ed loan notes at amortised cost<span class=\"_ _311\"> </span></div></td><td class=\"c n x987 y45cb w5bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x988 y4430 w9c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5be ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Amount due for settlemen<span class=\"_ _4\"></span>t within 12 months<span class=\"_ _311\"> </span></div></td><td class=\"c n x989 y43ab w5bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x98a y43ab w2a2 he6\"><div class=\"t m0 x253 hc y4240 ff19 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5c0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Amount due for settlemen<span class=\"_ _4\"></span>t af<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er 12 months<span class=\"_ _311\"> </span></div></td><td class=\"c n x98b y4273 w5c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x98c y426b w9c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x98d y4274 w5bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x98e y426d w5c2 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table>The asset-back<span class=\"_ _4\"></span>ed loan notes are secur<span class=\"_ _4\"></span>ed on fixed and variable r<span class=\"_ _4\"></span>ate mortgages and are redeemable in part from time to time<span class=\"_ _4\"></span>, but such redemptions are mainly fr<span class=\"_ _4\"></span>om the net principal receive<span class=\"_ _4\"></span>d from borrow<span class=\"_ _4\"></span>ers in respect o<span class=\"_ _4\"></span>f underlying mor<span class=\"_ _0\"></span>tgage asset<span class=\"_ _4\"></span>s. The maturity date of the funds matches the contr<span class=\"_ _4\"></span>actual maturity date of the underlying mortgage assets<span class=\"_ _4\"></span>. The Group expects that a lar<span class=\"_ _4\"></span>ge proportion of the underlying mortgage assets, and ther<span class=\"_ _4\"></span>efore these notes<span class=\"_ _4\"></span>, will be repaid within fiv<span class=\"_ _4\"></span>e years.<span class=\"_ _311\"> </span>Where the Group o<span class=\"_ _4\"></span>wn the call rights for a tr<span class=\"_ _4\"></span>ansaction, they may repurchase the asset-back<span class=\"_ _1\"></span>ed loan notes on any int<span class=\"_ _4\"></span>erest payment dat<span class=\"_ _4\"></span>e on or af<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er the call dates, or on any int<span class=\"_ _4\"></span>erest paymen<span class=\"_ _4\"></span>t date when the curren<span class=\"_ _4\"></span>t balance of the mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gages outstanding is less than or equal t<span class=\"_ _4\"></span>o 10% of the principal amount outs<span class=\"_ _4\"></span>tanding on the loan notes on the date they w<span class=\"_ _4\"></span>ere issued.<span class=\"_ _311\"> </span>Inter<span class=\"_ _4\"></span>est is payable at fixed mar<span class=\"_ _4\"></span>gins above SONIA.<span class=\"_ _311\"> </span>As at 31 December 2023<span class=\"_ _4\"></span>, notes were issued thr<span class=\"_ _4\"></span>ough the following funding v<span class=\"_ _4\"></span>ehicles:<span class=\"_ _311\"> </span><table class=\"s w16e he7\" id=\"_9a9123b4-a8b1-4753-bcda-8cd43b55d12e\"><tr><td></td><td class=\"t m0 x296 h2e y45cc ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y45cc ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y45cd ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45cd ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w5c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.3 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x98f y440a w31 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x990 y432f w85 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">21.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w5c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x991 y4265 w5c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x992 y4264 w5c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w5c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2020-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x993 y4267 w5c8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x994 y4266 w5c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls88 ws8d\">141<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5ca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CMF 2023-<span class=\"_ _4\"></span>1 plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x995 y4269 w235 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">29<span class=\"_ _0\"></span>1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x996 y4268 w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Keys W<span class=\"_ _1\"></span>arehouse No<span class=\"_ _4\"></span>.1 Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x997 y426a w5cc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">250.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x6ab y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4bb y426c w5cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x998 y426d w9c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws138 gs4fc\">36. Senior <span class=\"_ _0\"></span>notes<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4fd\">During the current financial year<span class=\"_ _3\"></span>, the Group issued senior notes amounting to \u00a3300m under </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4fe\">the planned MREL<span class=\"_ _4\"></span> qualifying debt issuance as follows:<span class=\"_ _311\"> </span></div><div class=\"gs4ff\"><table class=\"s w50 he9\" id=\"_cd3fe37d-884c-44c0-97d6-5a8842edd80c\"><tr><td></td><td class=\"t m0 x288 h2e y45e8 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45e8 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45e9 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y45e9 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y45ea ff1 fs3 fc5 sc0 ls1 ws0\">Fixed rate:<span class=\"_ _ad\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x9cf y426d w5e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes 2028 (9<span class=\"_ _3\"></span>.5%)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d0 y426c w4e0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d1 y426d wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs500\">The senior notes comprise fixed r<span class=\"_ _4\"></span>ate notes denominated in pounds s<span class=\"_ _4\"></span>terling and are lis<span class=\"_ _4\"></span>ted on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs501\">the official list of the FC<span class=\"_ _4\"></span>A and admitted to trading on the main mark<span class=\"_ _1\"></span>et of the London S<span class=\"_ _4\"></span>tock </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs502\">Exchange plc<span class=\"_ _4\"></span>. </div>The principal terms of the senior notes ar<span class=\"_ _4\"></span>e as follows:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Interest:</span> Interes<span class=\"_ _4\"></span>t on the senior notes is fixed at an initial r<span class=\"_ _4\"></span>ate until the reset date (7<span class=\"_ gs27\"> </span>September 2027). If the senior notes are not re<span class=\"_ _4\"></span>deemed prior to the reset date<span class=\"_ _4\"></span>, the interes<span class=\"_ _4\"></span>t rate will be r<span class=\"_ _4\"></span>eset and fixed based on a benchmark gilt r<span class=\"_ _4\"></span>ate plus a spread of 4<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>985%.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Redemption:</span> The Issuer may redeem the senior notes in whole (but not in part) in its sole discretion on 7 September 2<span class=\"_ _4\"></span>027<span class=\"_ _3\"></span>. Optional redemption may also tak<span class=\"_ _4\"></span>e place for certain regulatory or t<span class=\"_ _4\"></span>ax reasons. Any optional r<span class=\"_ _4\"></span>edemption requires the prior consent o<span class=\"_ _4\"></span>f the PRA.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Ranking:</span> The senior notes constitute dir<span class=\"_ _4\"></span>ect, unsubordinated and unsecured obligations o<span class=\"_ _4\"></span>f OSBG and r<span class=\"_ _4\"></span>ank at least <span class=\"ff19\">pari passu</span>, without any pre<span class=\"_ _4\"></span>ference, among themselv<span class=\"_ _4\"></span>es as senior notes<span class=\"_ _4\"></span>. The notes rank behind the claims of deposit<span class=\"_ _4\"></span>ors, but in priority to holder<span class=\"_ _4\"></span>s of Tier 1 and Tier 2 capital as w<span class=\"_ _4\"></span>ell as equity holders of O<span class=\"_ _4\"></span>SBG.<span class=\"_ _311\"> </span>The table belo<span class=\"_ _4\"></span>w shows a reconciliation of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s senior notes during the year<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span><table class=\"s w16e hc3\" id=\"_20fcb3b5-f50b-4250-8704-41883bebdb28\"><tr><td></td><td class=\"t m0 x296 h2e y45f5 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y45f5 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y45f6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45f6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d6 y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d7 y4266 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y45e9 ff4 fs3 fc5 sc0 ls1 ws0\">Addition<span class=\"_ _311\"> </span></td><td class=\"c n x64a y4334 w5e7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>98<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d8 y4268 w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3af ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in accrued interes<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x9d9 y4321 w5e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x9da y426b w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9db y431e w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dc y426d wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>Ad<span class=\"_ _0\"></span>dition i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>es \u00a31.<span class=\"_ _0\"></span>6m toward<span class=\"_ _0\"></span>s trans<span class=\"_ _0\"></span>actio<span class=\"_ _0\"></span>n cost<span class=\"_ _0\"></span>s which h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed throu<span class=\"_ _0\"></span>gh the EI<span class=\"_ _0\"></span>R of the lo<span class=\"_ _0\"></span>an notes<span class=\"_ _0\"></span>.<span class=\"_ _311\"> </span>37<span class=\"_ _3d\"></span>. <span class=\"_ _33\"></span>Subordinated liabilities<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s outs<span class=\"_ _4\"></span>tanding subordinated liabilities ar<span class=\"_ _4\"></span>e summarised below:<span class=\"_ _311\"> </span><table class=\"s w16e heb\" id=\"_458a6d4f-cecb-4c29-ac14-af4f264822bb\"><tr><td></td><td class=\"t m0 x296 h2e y45f7 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y45f7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y45f8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45f8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y45f9 ff1 fs3 fc5 sc0 ls1 ws0\">Fixed rate:<span class=\"_ _ad\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x279 y426d w5ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities 2033 (9<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>993%)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dd y426c w5eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9de y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table>All subordinate<span class=\"_ _4\"></span>d liabilities are denominated in pounds st<span class=\"_ _4\"></span>erling and are liste<span class=\"_ _4\"></span>d on the of<span class=\"_ _0\"></span>ficial lis<span class=\"_ _4\"></span>t of the FC<span class=\"_ _4\"></span>A and admitted to trading on the main mark<span class=\"_ _1\"></span>et of the London St<span class=\"_ _4\"></span>ock Exchange plc.<span class=\"_ _311\"> </span>The principal terms of the subor<span class=\"_ _4\"></span>dinated debt liabilities are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Interest:</span> Interes<span class=\"_ _4\"></span>t on the notes is fixed at an initial r<span class=\"_ _4\"></span>ate until the reset date (<span class=\"_ _4\"></span>27 July 2028). If<span class=\"_ gs27\"> </span>the notes are not r<span class=\"_ _4\"></span>edeemed prior to the reset date<span class=\"_ _4\"></span>, the interes<span class=\"_ _4\"></span>t rate will be rese<span class=\"_ _4\"></span>t and fixed based on a benchmark gilt rat<span class=\"_ _4\"></span>e plus a spread of 6<span class=\"_ _4\"></span>.296%.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Redemption:</span> The Issuer may redeem the Tier 2 notes in whole (but not in part) in its sole discretion on any day from (<span class=\"_ _4\"></span>and including) 27 April 2028 to (and including) 2<span class=\"_ _4\"></span>7 July 2028 (the reset date<span class=\"_ _4\"></span>) as specified in the terms of the agreement. Optional r<span class=\"_ _4\"></span>edemption may also tak<span class=\"_ _4\"></span>e place for certain regulatory or t<span class=\"_ _4\"></span>ax reasons. Any optional r<span class=\"_ _4\"></span>edemption requires the prior consent of the PRA.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Ranking:</span> The notes constitute dir<span class=\"_ _4\"></span>ect, unsecured and subordinated obligations o<span class=\"_ _4\"></span>f OSBG and rank at leas<span class=\"_ _4\"></span>t pari passu, without any prefer<span class=\"_ _4\"></span>ence, among themselves as T<span class=\"_ _4\"></span>ier 2 capital. The notes r<span class=\"_ _4\"></span>ank behind the claims of depositors and other unsecure<span class=\"_ _4\"></span>d and unsubordinated creditor<span class=\"_ _4\"></span>s, but r<span class=\"_ _4\"></span>ank in priority to holders of Tier 1 c<span class=\"_ _4\"></span>apital and of equity of OSBG<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The table belo<span class=\"_ _4\"></span>w shows a reconciliation of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s subordinated liabilities during the ye<span class=\"_ _4\"></span>ar:<span class=\"_ _311\"> </span><table class=\"s w5ec hc2\" id=\"_67c4ec7b-67b4-44ad-85ae-5575e43a5b11\"><tr><td></td><td class=\"t m0 x288 h2e y45fa ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45fa ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45fb ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45fb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9df y4393 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e0 y4264 w5ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y45fc ff4 fs3 fc5 sc0 ls1 ws0\">Addition<span class=\"_ _311\"> </span></td><td class=\"c n x4de y4333 w5ee ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">248.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e1 y4271 w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3af ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in accrued interes<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x2ac y4334 w5ef ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e2 y4268 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment o<span class=\"_ _4\"></span>f debt<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e6 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e3 y426b w5f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(10.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e4 y431e w5eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e5 y426d wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>Ad<span class=\"_ _0\"></span>dition i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>es \u00a31.<span class=\"_ _0\"></span>3m towar<span class=\"_ _0\"></span>ds trans<span class=\"_ _0\"></span>actio<span class=\"_ _0\"></span>n cost<span class=\"_ _0\"></span>s which h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed thro<span class=\"_ _0\"></span>ugh the EI<span class=\"_ _0\"></span>R of the lo<span class=\"_ _0\"></span>an notes<span class=\"_ _0\"></span>. In 2022 the fixe<span class=\"_ _4\"></span>d rate subordinat<span class=\"_ _4\"></span>ed liabilities were fully r<span class=\"_ _4\"></span>epaid at a premium of \u00a30<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m, which was r<span class=\"_ _4\"></span>ecognised in interes<span class=\"_ _4\"></span>t payable and similar charges<span class=\"_ _4\"></span>. The LIBOR link<span class=\"_ _4\"></span>ed subordinat<span class=\"_ _4\"></span>ed liabilities were re<span class=\"_ _4\"></span>deemed in September 2022. ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-448": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws137 gs4d6\">33. Other <span class=\"_ _0\"></span>liabilities<span class=\"_ _311\"> </span></div><div class=\"gs316\"><table class=\"s w259 hc2\" id=\"_4f94e77e-475f-4fa8-81f4-8a830cce6bb1\"><tr><td></td><td class=\"t m0 x288 h2e y45ce ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45ce ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45cf ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45cf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y45d0 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w5ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Accruals<span class=\"_ _311\"> </span></div></td><td class=\"c n x999 y4351 w5cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">26.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x99a y4266 w5d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d income<span class=\"_ _311\"> </span></div></td><td class=\"c n x99b y4334 w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x99c y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other creditor<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x99d y4321 w5d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x99e y426b w5d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x99f y431e w381 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x25f y426d w5d5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-521": {
   "value": "33. Other <span class=\"_ _0\"></span>liabilities<span class=\"_ _311\"> </span><table class=\"s w259 hc2\" id=\"_4f94e77e-475f-4fa8-81f4-8a830cce6bb1\"><tr><td></td><td class=\"t m0 x288 h2e y45ce ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45ce ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45cf ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45cf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y45d0 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w5ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Accruals<span class=\"_ _311\"> </span></div></td><td class=\"c n x999 y4351 w5cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">26.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x99a y4266 w5d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d income<span class=\"_ _311\"> </span></div></td><td class=\"c n x99b y4334 w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x99c y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other creditor<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x99d y4321 w5d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x99e y426b w5d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x99f y431e w381 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x25f y426d w5d5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredIncomeExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-507": {
   "value": "33. Other <span class=\"_ _0\"></span>liabilities<span class=\"_ _311\"> </span><table class=\"s w259 hc2\" id=\"_4f94e77e-475f-4fa8-81f4-8a830cce6bb1\"><tr><td></td><td class=\"t m0 x288 h2e y45ce ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45ce ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45cf ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45cf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y45d0 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w5ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Accruals<span class=\"_ _311\"> </span></div></td><td class=\"c n x999 y4351 w5cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">26.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x99a y4266 w5d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d income<span class=\"_ _311\"> </span></div></td><td class=\"c n x99b y4334 w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x99c y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other creditor<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x99d y4321 w5d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x99e y426b w5d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x99f y431e w381 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x25f y426d w5d5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-488": {
   "value": "33. Other <span class=\"_ _0\"></span>liabilities<span class=\"_ _311\"> </span><table class=\"s w259 hc2\" id=\"_4f94e77e-475f-4fa8-81f4-8a830cce6bb1\"><tr><td></td><td class=\"t m0 x288 h2e y45ce ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45ce ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45cf ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45cf ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y45d0 ff1 fs3 fc5 sc0 ls1 ws0\">Falling due within one year:<span class=\"_ _11a\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4266 w5ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Accruals<span class=\"_ _311\"> </span></div></td><td class=\"c n x999 y4351 w5cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">26.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x99a y4266 w5d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">28<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w5d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d income<span class=\"_ _311\"> </span></div></td><td class=\"c n x99b y4334 w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x99c y4268 w1f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other creditor<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x99d y4321 w5d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x99e y426b w5d4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x99f y431e w381 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x25f y426d w5d5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>8.7</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs4d8\">34<span class=\"_ _4\"></span>. <span class=\"_ _4\"></span>Provisions and contingent liabilities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4d9\">The Financial Services Compensation S<span class=\"_ _0\"></span>cheme (F<span class=\"_ _4\"></span>SCS) provides pr<span class=\"_ _4\"></span>otection of deposits for the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4da\">cust<span class=\"_ _4\"></span>omers of authorised financial services firms, should a firm collapse<span class=\"_ _4\"></span>. FSCS protect<span class=\"_ _4\"></span>s retail </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4db\">deposits of up to \u00a385k f<span class=\"_ _4\"></span>or single account holders and \u00a317<span class=\"_ _4\"></span>0k for joint holders<span class=\"_ _4\"></span>. As OSB and CCFS </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4dc\">both hold banking licences, the full F<span class=\"_ _4\"></span>SCS protection is available t<span class=\"_ _4\"></span>o customer<span class=\"_ _4\"></span>s of each Bank.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4dd\">The compensation paid out to consumers is initially funded thr<span class=\"_ _4\"></span>ough loans from the BoE and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4de\">HM T<span class=\"_ _1\"></span>reasury. In order to r<span class=\"_ _4\"></span>epay the loans and cover it<span class=\"_ _4\"></span>s costs<span class=\"_ _4\"></span>, the FSCS charges le<span class=\"_ _4\"></span>vies on firms </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4df\">regulate<span class=\"_ _4\"></span>d by the PRA and the Financial Conduct Authority (FCA). The Group is among those </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e0\">firms and pays the FSCS a le<span class=\"_ _4\"></span>vy based on its share of t<span class=\"_ _4\"></span>otal UK deposits.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e1\">The Group release<span class=\"_ _4\"></span>d its \u00a31.5m pro<span class=\"_ _4\"></span>vision for conduct related e<span class=\"_ _4\"></span>xposures in 2022 follo<span class=\"_ _4\"></span>wing </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e2\">completion of an int<span class=\"_ _4\"></span>ernal review<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e3\">An analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s FSCS and other pro<span class=\"_ _4\"></span>visions is presented belo<span class=\"_ _4\"></span>w:<span class=\"_ _311\"> </span></div><div class=\"gs4e4\"><table class=\"s w5de he8\" id=\"_3a95d8bf-df9e-4692-8223-284d33b3877b\"><tr><td></td><td></td><td class=\"c n x9aa y45d3 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x9ab y45d3 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9ac h2e y45d4 ff1 fs16 fc6 sc0 ls1 ws0\">ECL on </td><td></td><td></td><td></td><td class=\"t m0 x83b h2b y45d5 ff2 fs16 fc5 sc0 ls1 ws0\">ECL on </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7e2 h2e y45d6 ff1 fs16 fc6 sc0 ls1 ws0\">Other </td><td class=\"t m0 x4fe h2e y45d7 ff1 fs16 fc6 sc0 ls1 ws0\">undrawn </td><td></td><td></td><td class=\"t m0 x9ad h2b y45d8 ff2 fs16 fc5 sc0 ls1 ws0\">Other </td><td class=\"t m0 x9ae h2b y45d9 ff2 fs16 fc5 sc0 ls1 ws0\">undrawn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9af h2e y45da ff1 fs16 fc6 sc0 ls1 ws0\">regulatory </td><td class=\"t m0 x723 h2e y45db ff1 fs16 fc6 sc0 ls1 ws0\">loan </td><td></td><td></td><td class=\"t m0 x307 h2b y45dc ff2 fs16 fc5 sc0 ls1 ws0\">regulatory </td><td class=\"t m0 x9b0 h2b y45dd ff2 fs16 fc5 sc0 ls1 ws0\">loan </td><td></td></tr><tr><td></td><td class=\"t m0 x9b1 h2e y45de ff1 fs16 fc6 sc0 lsdf wse7\">FSCS<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b2 h2e y45df ff1 fs16 fc6 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></td><td class=\"t m0 x921 h2e y45e0 ff1 fs16 fc6 sc0 ls1 ws0\">facilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d6 h2e y45e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x692 h2b y45e0 ff2 fs16 fc5 sc0 ls39 wscf\">FSCS<span class=\"_ _311\"> </span></td><td class=\"t m0 x74e h2b y45e1 ff2 fs16 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b3 h2b y45e2 ff2 fs16 fc5 sc0 ls1 ws0\">facilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y45e2 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x9b4 h2e y45e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x691 h2e y45e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74a h2e y45e5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b5 h2e y45e5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2b y45e5 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d8 h2b y45e6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b6 h2b y45e7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45e7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b7 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b8 y4334 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b9 y4334 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ba y4334 w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bb y4268 w46 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bc y4268 w5df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bd y4268 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9be y4268 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Charge/(<span class=\"_ _4\"></span>credit)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bf y4321 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c0 y4321 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c1 y4321 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c2 y4321 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c3 y426b w488 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c4 y426b w5e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c5 y426b w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c6 y426b w5e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c7 y431e w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c8 y431e w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c9 y431e wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ca y431e wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cb y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cc y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cd y426d w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ce y426d w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e5\">In January 2020<span class=\"_ _1\"></span>, the Group was contact<span class=\"_ _4\"></span>ed by the FCA in connection with a multi-firm </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e6\">thematic revie<span class=\"_ _4\"></span>w into forbe<span class=\"_ _4\"></span>arance measures adopte<span class=\"_ _4\"></span>d by lenders in respect of a portion of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e7\">the mortgage mark<span class=\"_ _4\"></span>et. The Group has responded to inf<span class=\"_ _4\"></span>ormation request<span class=\"_ _4\"></span>s from the FCA. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e8\">In addition, the Group has re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed and is enhancing its collections processes and how </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4e9\">mortgage customer<span class=\"_ _4\"></span>s in arrears ar<span class=\"_ _4\"></span>e managed and under<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>aking a retrospective r<span class=\"_ _4\"></span>eview o<span class=\"_ _4\"></span>f the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4ea\">Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s application of forbe<span class=\"_ _4\"></span>arance measures and associated out<span class=\"_ _4\"></span>comes for cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain cohor<span class=\"_ _0\"></span>ts </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4eb\">of cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. It is not possible to reliably predict or es<span class=\"_ _4\"></span>timate the outcome of the retr<span class=\"_ _4\"></span>ospective </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs4ec\">revie<span class=\"_ _4\"></span>w and theref<span class=\"_ _4\"></span>ore its financial effect, if any, on the Group.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-537": {
   "value": "34<span class=\"_ _4\"></span>. <span class=\"_ _4\"></span>Provisions and contingent liabilities<span class=\"_ _311\"> </span>The Financial Services Compensation S<span class=\"_ _0\"></span>cheme (F<span class=\"_ _4\"></span>SCS) provides pr<span class=\"_ _4\"></span>otection of deposits for the cust<span class=\"_ _4\"></span>omers of authorised financial services firms, should a firm collapse<span class=\"_ _4\"></span>. FSCS protect<span class=\"_ _4\"></span>s retail deposits of up to \u00a385k f<span class=\"_ _4\"></span>or single account holders and \u00a317<span class=\"_ _4\"></span>0k for joint holders<span class=\"_ _4\"></span>. As OSB and CCFS both hold banking licences, the full F<span class=\"_ _4\"></span>SCS protection is available t<span class=\"_ _4\"></span>o customer<span class=\"_ _4\"></span>s of each Bank.<span class=\"_ _311\"> </span>The compensation paid out to consumers is initially funded thr<span class=\"_ _4\"></span>ough loans from the BoE and HM T<span class=\"_ _1\"></span>reasury. In order to r<span class=\"_ _4\"></span>epay the loans and cover it<span class=\"_ _4\"></span>s costs<span class=\"_ _4\"></span>, the FSCS charges le<span class=\"_ _4\"></span>vies on firms regulate<span class=\"_ _4\"></span>d by the PRA and the Financial Conduct Authority (FCA). The Group is among those firms and pays the FSCS a le<span class=\"_ _4\"></span>vy based on its share of t<span class=\"_ _4\"></span>otal UK deposits.<span class=\"_ _311\"> </span>The Group release<span class=\"_ _4\"></span>d its \u00a31.5m pro<span class=\"_ _4\"></span>vision for conduct related e<span class=\"_ _4\"></span>xposures in 2022 follo<span class=\"_ _4\"></span>wing completion of an int<span class=\"_ _4\"></span>ernal review<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>An analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s FSCS and other pro<span class=\"_ _4\"></span>visions is presented belo<span class=\"_ _4\"></span>w:<span class=\"_ _311\"> </span><table class=\"s w5de he8\" id=\"_3a95d8bf-df9e-4692-8223-284d33b3877b\"><tr><td></td><td></td><td class=\"c n x9aa y45d3 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x9ab y45d3 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9ac h2e y45d4 ff1 fs16 fc6 sc0 ls1 ws0\">ECL on </td><td></td><td></td><td></td><td class=\"t m0 x83b h2b y45d5 ff2 fs16 fc5 sc0 ls1 ws0\">ECL on </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7e2 h2e y45d6 ff1 fs16 fc6 sc0 ls1 ws0\">Other </td><td class=\"t m0 x4fe h2e y45d7 ff1 fs16 fc6 sc0 ls1 ws0\">undrawn </td><td></td><td></td><td class=\"t m0 x9ad h2b y45d8 ff2 fs16 fc5 sc0 ls1 ws0\">Other </td><td class=\"t m0 x9ae h2b y45d9 ff2 fs16 fc5 sc0 ls1 ws0\">undrawn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9af h2e y45da ff1 fs16 fc6 sc0 ls1 ws0\">regulatory </td><td class=\"t m0 x723 h2e y45db ff1 fs16 fc6 sc0 ls1 ws0\">loan </td><td></td><td></td><td class=\"t m0 x307 h2b y45dc ff2 fs16 fc5 sc0 ls1 ws0\">regulatory </td><td class=\"t m0 x9b0 h2b y45dd ff2 fs16 fc5 sc0 ls1 ws0\">loan </td><td></td></tr><tr><td></td><td class=\"t m0 x9b1 h2e y45de ff1 fs16 fc6 sc0 lsdf wse7\">FSCS<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b2 h2e y45df ff1 fs16 fc6 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></td><td class=\"t m0 x921 h2e y45e0 ff1 fs16 fc6 sc0 ls1 ws0\">facilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d6 h2e y45e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x692 h2b y45e0 ff2 fs16 fc5 sc0 ls39 wscf\">FSCS<span class=\"_ _311\"> </span></td><td class=\"t m0 x74e h2b y45e1 ff2 fs16 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b3 h2b y45e2 ff2 fs16 fc5 sc0 ls1 ws0\">facilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y45e2 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x9b4 h2e y45e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x691 h2e y45e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74a h2e y45e5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b5 h2e y45e5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2b y45e5 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d8 h2b y45e6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b6 h2b y45e7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45e7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b7 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b8 y4334 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b9 y4334 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ba y4334 w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bb y4268 w46 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bc y4268 w5df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bd y4268 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9be y4268 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Charge/(<span class=\"_ _4\"></span>credit)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bf y4321 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c0 y4321 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c1 y4321 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c2 y4321 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c3 y426b w488 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c4 y426b w5e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c5 y426b w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c6 y426b w5e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c7 y431e w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c8 y431e w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c9 y431e wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ca y431e wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cb y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cc y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cd y426d w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ce y426d w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table>In January 2020<span class=\"_ _1\"></span>, the Group was contact<span class=\"_ _4\"></span>ed by the FCA in connection with a multi-firm thematic revie<span class=\"_ _4\"></span>w into forbe<span class=\"_ _4\"></span>arance measures adopte<span class=\"_ _4\"></span>d by lenders in respect of a portion of the mortgage mark<span class=\"_ _4\"></span>et. The Group has responded to inf<span class=\"_ _4\"></span>ormation request<span class=\"_ _4\"></span>s from the FCA. In addition, the Group has re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed and is enhancing its collections processes and how mortgage customer<span class=\"_ _4\"></span>s in arrears ar<span class=\"_ _4\"></span>e managed and under<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>aking a retrospective r<span class=\"_ _4\"></span>eview o<span class=\"_ _4\"></span>f the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s application of forbe<span class=\"_ _4\"></span>arance measures and associated out<span class=\"_ _4\"></span>comes for cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain cohor<span class=\"_ _0\"></span>ts of cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. It is not possible to reliably predict or es<span class=\"_ _4\"></span>timate the outcome of the retr<span class=\"_ _4\"></span>ospective revie<span class=\"_ _4\"></span>w and theref<span class=\"_ _4\"></span>ore its financial effect, if any, on the Group.<span class=\"_ _311\"> </span>43. <span class=\"_ _1\"></span>Financial commitments and guarantees<span class=\"_ _311\"> </span>a) <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>The Gr<span class=\"_ _4\"></span>oup had \u00a30.<span class=\"_ _1\"></span>1m of contrac<span class=\"_ _4\"></span>ted capital expenditure commitmen<span class=\"_ _4\"></span>ts not provide<span class=\"_ _4\"></span>d for as at 31 December 2023 (2<span class=\"_ _4\"></span>022: nil). b) <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>The Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s minimum lease commitments under leases f<span class=\"_ _4\"></span>or low<span class=\"_ _4\"></span>-value asset<span class=\"_ _4\"></span>s and shor<span class=\"_ _0\"></span>t-term leases of 12 months or less ar<span class=\"_ _4\"></span>e summarised in the table below:<span class=\"_ _311\"> </span><table class=\"s w259 hdc\" id=\"_e84297f7-b0b1-4ebb-8a17-fcb66c54c381\"><tr><td></td><td class=\"t m0 x288 h2e y4632 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4632 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4633 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4633 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4634 ff4 fs3 fc5 sc0 ls1 ws0\">Land and buildings: due within:<span class=\"_ _140\"> </span><span class=\"ff1\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y431b w634 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">One year<span class=\"_ _311\"> </span></div></td><td class=\"c n xa58 y439e w1de ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c7 y431b w101 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w635 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>wo to five year<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xa59 y426a w636 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5a y426b w637 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ed y426c w5e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5b y426d w638 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table>c) <span class=\"_ _15\"> </span>Undrawn loan facilities:<span class=\"_ _311\"> </span><table class=\"s w385 hc3\" id=\"_848ff8fd-10df-4c0b-8194-decf7e1fa7f4\"><tr><td></td><td class=\"t m0 x296 h2e y4635 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4635 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4636 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4636 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m </td></tr><tr><td class=\"c n x254 y4266 w639 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">OSB mortgages<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5c y4416 w63a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5d y4266 w32b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">7<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w63b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">CCFS mortgages<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5e y43ab w63c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">391.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5f y4268 w63d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls63 ws67\">45<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w63e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance<span class=\"_ _311\"> </span></div></td><td class=\"c n xa60 y4273 w63f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa61 y426b w23b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xa62 y4274 w640 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _1\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa63 y426d w641 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>212.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table>Undra<span class=\"_ _4\"></span>wn loan facilities are appro<span class=\"_ _4\"></span>ved loan applications which hav<span class=\"_ _4\"></span>e not yet been exercised. They are payable on demand and are usually dr<span class=\"_ _4\"></span>awn down or e<span class=\"_ _4\"></span>xpire within three months<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>d) <span class=\"_ _14\"> </span>The Group did not have any issued financial guar<span class=\"_ _4\"></span>antees as at 31 December 2023 (2<span class=\"_ _4\"></span>022: nil).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-490": {
   "value": "34<span class=\"_ _4\"></span>. <span class=\"_ _4\"></span>Provisions and contingent liabilities<span class=\"_ _311\"> </span>The Financial Services Compensation S<span class=\"_ _0\"></span>cheme (F<span class=\"_ _4\"></span>SCS) provides pr<span class=\"_ _4\"></span>otection of deposits for the cust<span class=\"_ _4\"></span>omers of authorised financial services firms, should a firm collapse<span class=\"_ _4\"></span>. FSCS protect<span class=\"_ _4\"></span>s retail deposits of up to \u00a385k f<span class=\"_ _4\"></span>or single account holders and \u00a317<span class=\"_ _4\"></span>0k for joint holders<span class=\"_ _4\"></span>. As OSB and CCFS both hold banking licences, the full F<span class=\"_ _4\"></span>SCS protection is available t<span class=\"_ _4\"></span>o customer<span class=\"_ _4\"></span>s of each Bank.<span class=\"_ _311\"> </span>The compensation paid out to consumers is initially funded thr<span class=\"_ _4\"></span>ough loans from the BoE and HM T<span class=\"_ _1\"></span>reasury. In order to r<span class=\"_ _4\"></span>epay the loans and cover it<span class=\"_ _4\"></span>s costs<span class=\"_ _4\"></span>, the FSCS charges le<span class=\"_ _4\"></span>vies on firms regulate<span class=\"_ _4\"></span>d by the PRA and the Financial Conduct Authority (FCA). The Group is among those firms and pays the FSCS a le<span class=\"_ _4\"></span>vy based on its share of t<span class=\"_ _4\"></span>otal UK deposits.<span class=\"_ _311\"> </span>The Group release<span class=\"_ _4\"></span>d its \u00a31.5m pro<span class=\"_ _4\"></span>vision for conduct related e<span class=\"_ _4\"></span>xposures in 2022 follo<span class=\"_ _4\"></span>wing completion of an int<span class=\"_ _4\"></span>ernal review<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>An analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s FSCS and other pro<span class=\"_ _4\"></span>visions is presented belo<span class=\"_ _4\"></span>w:<span class=\"_ _311\"> </span><table class=\"s w5de he8\" id=\"_3a95d8bf-df9e-4692-8223-284d33b3877b\"><tr><td></td><td></td><td class=\"c n x9aa y45d3 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x9ab y45d3 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x9ac h2e y45d4 ff1 fs16 fc6 sc0 ls1 ws0\">ECL on </td><td></td><td></td><td></td><td class=\"t m0 x83b h2b y45d5 ff2 fs16 fc5 sc0 ls1 ws0\">ECL on </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x7e2 h2e y45d6 ff1 fs16 fc6 sc0 ls1 ws0\">Other </td><td class=\"t m0 x4fe h2e y45d7 ff1 fs16 fc6 sc0 ls1 ws0\">undrawn </td><td></td><td></td><td class=\"t m0 x9ad h2b y45d8 ff2 fs16 fc5 sc0 ls1 ws0\">Other </td><td class=\"t m0 x9ae h2b y45d9 ff2 fs16 fc5 sc0 ls1 ws0\">undrawn </td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x9af h2e y45da ff1 fs16 fc6 sc0 ls1 ws0\">regulatory </td><td class=\"t m0 x723 h2e y45db ff1 fs16 fc6 sc0 ls1 ws0\">loan </td><td></td><td></td><td class=\"t m0 x307 h2b y45dc ff2 fs16 fc5 sc0 ls1 ws0\">regulatory </td><td class=\"t m0 x9b0 h2b y45dd ff2 fs16 fc5 sc0 ls1 ws0\">loan </td><td></td></tr><tr><td></td><td class=\"t m0 x9b1 h2e y45de ff1 fs16 fc6 sc0 lsdf wse7\">FSCS<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b2 h2e y45df ff1 fs16 fc6 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></td><td class=\"t m0 x921 h2e y45e0 ff1 fs16 fc6 sc0 ls1 ws0\">facilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d6 h2e y45e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x692 h2b y45e0 ff2 fs16 fc5 sc0 ls39 wscf\">FSCS<span class=\"_ _311\"> </span></td><td class=\"t m0 x74e h2b y45e1 ff2 fs16 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b3 h2b y45e2 ff2 fs16 fc5 sc0 ls1 ws0\">facilities<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y45e2 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x9b4 h2e y45e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x691 h2e y45e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74a h2e y45e5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b5 h2e y45e5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2b y45e5 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d8 h2b y45e6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b6 h2b y45e7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45e7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b7 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b8 y4334 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9b9 y4334 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ba y4334 w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bb y4268 w46 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bc y4268 w5df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bd y4268 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9be y4268 wd5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5e0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Charge/(<span class=\"_ _4\"></span>credit)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9bf y4321 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c0 y4321 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c1 y4321 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c2 y4321 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c3 y426b w488 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c4 y426b w5e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c5 y426b w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c6 y426b w5e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c7 y431e w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c8 y431e w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9c9 y431e wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ca y431e wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cb y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cc y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9cd y426d w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ce y426d w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table>In January 2020<span class=\"_ _1\"></span>, the Group was contact<span class=\"_ _4\"></span>ed by the FCA in connection with a multi-firm thematic revie<span class=\"_ _4\"></span>w into forbe<span class=\"_ _4\"></span>arance measures adopte<span class=\"_ _4\"></span>d by lenders in respect of a portion of the mortgage mark<span class=\"_ _4\"></span>et. The Group has responded to inf<span class=\"_ _4\"></span>ormation request<span class=\"_ _4\"></span>s from the FCA. In addition, the Group has re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed and is enhancing its collections processes and how mortgage customer<span class=\"_ _4\"></span>s in arrears ar<span class=\"_ _4\"></span>e managed and under<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>aking a retrospective r<span class=\"_ _4\"></span>eview o<span class=\"_ _4\"></span>f the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s application of forbe<span class=\"_ _4\"></span>arance measures and associated out<span class=\"_ _4\"></span>comes for cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain cohor<span class=\"_ _0\"></span>ts of cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. It is not possible to reliably predict or es<span class=\"_ _4\"></span>timate the outcome of the retr<span class=\"_ _4\"></span>ospective revie<span class=\"_ _4\"></span>w and theref<span class=\"_ _4\"></span>ore its financial effect, if any, on the Group.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-508": {
   "value": "In January 2020<span class=\"_ _1\"></span>, the Group was contact<span class=\"_ _4\"></span>ed by the FCA in connection with a multi-firm thematic revie<span class=\"_ _4\"></span>w into forbe<span class=\"_ _4\"></span>arance measures adopte<span class=\"_ _4\"></span>d by lenders in respect of a portion of the mortgage mark<span class=\"_ _4\"></span>et. The Group has responded to inf<span class=\"_ _4\"></span>ormation request<span class=\"_ _4\"></span>s from the FCA. In addition, the Group has re<span class=\"_ _4\"></span>view<span class=\"_ _4\"></span>ed and is enhancing its collections processes and how mortgage customer<span class=\"_ _4\"></span>s in arrears ar<span class=\"_ _4\"></span>e managed and under<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>aking a retrospective r<span class=\"_ _4\"></span>eview o<span class=\"_ _4\"></span>f the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s application of forbe<span class=\"_ _4\"></span>arance measures and associated out<span class=\"_ _4\"></span>comes for cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain cohor<span class=\"_ _0\"></span>ts of cus<span class=\"_ _4\"></span>tomers<span class=\"_ _4\"></span>. It is not possible to reliably predict or es<span class=\"_ _4\"></span>timate the outcome of the retr<span class=\"_ _4\"></span>ospective revie<span class=\"_ _4\"></span>w and theref<span class=\"_ _4\"></span>ore its financial effect, if any, on the Group.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs504\">37<span class=\"_ _3d\"></span>. <span class=\"_ _33\"></span>Subordinated liabilities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs505\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s outs<span class=\"_ _4\"></span>tanding subordinated liabilities ar<span class=\"_ _4\"></span>e summarised below:<span class=\"_ _311\"> </span></div><div class=\"gs506\"><table class=\"s w16e heb\" id=\"_458a6d4f-cecb-4c29-ac14-af4f264822bb\"><tr><td></td><td class=\"t m0 x296 h2e y45f7 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y45f7 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y45f8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y45f8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y45f9 ff1 fs3 fc5 sc0 ls1 ws0\">Fixed rate:<span class=\"_ _ad\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x279 y426d w5ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities 2033 (9<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span>993%)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dd y426c w5eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9de y426d w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs507\">All subordinate<span class=\"_ _4\"></span>d liabilities are denominated in pounds st<span class=\"_ _4\"></span>erling and are liste<span class=\"_ _4\"></span>d on the of<span class=\"_ _0\"></span>ficial lis<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs508\">of the FC<span class=\"_ _4\"></span>A and admitted to trading on the main mark<span class=\"_ _1\"></span>et of the London St<span class=\"_ _4\"></span>ock Exchange plc.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs509\">The principal terms of the subor<span class=\"_ _4\"></span>dinated debt liabilities are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs50a\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Interest:</span> Interes<span class=\"_ _4\"></span>t on the notes is fixed at an initial r<span class=\"_ _4\"></span>ate until the reset date (<span class=\"_ _4\"></span>27 July 2028). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs50b\">If<span class=\"_ gs27\"> </span>the notes are not r<span class=\"_ _4\"></span>edeemed prior to the reset date<span class=\"_ _4\"></span>, the interes<span class=\"_ _4\"></span>t rate will be rese<span class=\"_ _4\"></span>t and fixed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs50c\">based on a benchmark gilt rat<span class=\"_ _4\"></span>e plus a spread of 6<span class=\"_ _4\"></span>.296%.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs50d\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Redemption:</span> The Issuer may redeem the Tier 2 notes in whole (but not in part) in its sole </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs50e\">discretion on any day from (<span class=\"_ _4\"></span>and including) 27 April 2028 to (and including) 2<span class=\"_ _4\"></span>7 July 2028 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs50f\">(the reset date<span class=\"_ _4\"></span>) as specified in the terms of the agreement. Optional r<span class=\"_ _4\"></span>edemption may also </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs510\">tak<span class=\"_ _4\"></span>e place for certain regulatory or t<span class=\"_ _4\"></span>ax reasons. Any optional r<span class=\"_ _4\"></span>edemption requires the prior </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs511\">consent of the PRA.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs512\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Ranking:</span> The notes constitute dir<span class=\"_ _4\"></span>ect, unsecured and subordinated obligations o<span class=\"_ _4\"></span>f OSBG </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs513\">and rank at leas<span class=\"_ _4\"></span>t pari passu, without any prefer<span class=\"_ _4\"></span>ence, among themselves as T<span class=\"_ _4\"></span>ier 2 capital. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs514\">The notes r<span class=\"_ _4\"></span>ank behind the claims of depositors and other unsecure<span class=\"_ _4\"></span>d and unsubordinated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs515\">creditor<span class=\"_ _4\"></span>s, but r<span class=\"_ _4\"></span>ank in priority to holders of Tier 1 c<span class=\"_ _4\"></span>apital and of equity of OSBG<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs516\">The table belo<span class=\"_ _4\"></span>w shows a reconciliation of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s subordinated liabilities during the ye<span class=\"_ _4\"></span>ar:<span class=\"_ _311\"> </span></div><div class=\"gs517\"><table class=\"s w5ec hc2\" id=\"_67c4ec7b-67b4-44ad-85ae-5575e43a5b11\"><tr><td></td><td class=\"t m0 x288 h2e y45fa ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45fa ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45fb ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y45fb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x9df y4393 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e0 y4264 w5ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y45fc ff4 fs3 fc5 sc0 ls1 ws0\">Addition<span class=\"_ _311\"> </span></td><td class=\"c n x4de y4333 w5ee ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">248.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e1 y4271 w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3af ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in accrued interes<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n x2ac y4334 w5ef ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e2 y4268 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w5f0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Repayment o<span class=\"_ _4\"></span>f debt<span class=\"_ _311\"> </span></div></td><td class=\"c n x5e6 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e3 y426b w5f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(10.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w3b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e4 y431e w5eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e5 y426d wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs518\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs519\">1. <span class=\"_ _18\"> </span>Ad<span class=\"_ _0\"></span>dition i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>es \u00a31.<span class=\"_ _0\"></span>3m towar<span class=\"_ _0\"></span>ds trans<span class=\"_ _0\"></span>actio<span class=\"_ _0\"></span>n cost<span class=\"_ _0\"></span>s which h<span class=\"_ _0\"></span>as be<span class=\"_ _0\"></span>en amor<span class=\"_ _0\"></span>tis<span class=\"_ _0\"></span>ed thro<span class=\"_ _0\"></span>ugh the EI<span class=\"_ _0\"></span>R of the lo<span class=\"_ _0\"></span>an notes<span class=\"_ _0\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs51a\">In 2022 the fixe<span class=\"_ _4\"></span>d rate subordinat<span class=\"_ _4\"></span>ed liabilities were fully r<span class=\"_ _4\"></span>epaid at a premium of \u00a30<span class=\"_ _4\"></span>.7<span class=\"_ _1\"></span>m, which </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs51b\">was r<span class=\"_ _4\"></span>ecognised in interes<span class=\"_ _4\"></span>t payable and similar charges<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs51c\">The LIBOR link<span class=\"_ _4\"></span>ed subordinat<span class=\"_ _4\"></span>ed liabilities were re<span class=\"_ _4\"></span>deemed in September 2022. </div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs51e\">38. <span class=\"_ _1\"></span>Perpetual Subordinated Bonds<span class=\"_ _311\"> </span></div><div class=\"gs320\"><table class=\"s w385 hec\" id=\"_53b8a051-d7a3-4745-ab12-5d3ccd4e8b08\"><tr><td></td><td class=\"t m0 x296 h2e y45fd ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y45fd ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y45fe ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y45fe ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y426d w5f2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Sterling PSBs (4<span class=\"_ _1\"></span>.6007%)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e6 y4274 wb6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x9e7 y426d w5f3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs51f\">The bonds are lis<span class=\"_ _4\"></span>ted on the London S<span class=\"_ _4\"></span>tock Exchange. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs520\">The 4<span class=\"_ _4\"></span>.6007% bonds w<span class=\"_ _4\"></span>ere issued with no discretion o<span class=\"_ _4\"></span>ver the payment of in<span class=\"_ _4\"></span>terest and may </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs521\">not<span class=\"_ gs27\"> </span>be settled in the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s own equity. They are ther<span class=\"_ _4\"></span>efore classified as financial liabilities<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs522\">The coupon rate is 4<span class=\"_ _1\"></span>.6007% un<span class=\"_ _4\"></span>til the next reset date on 27 Augus<span class=\"_ _4\"></span>t 2024<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs524\">39<span class=\"_ _3\"></span>. <span class=\"_ _0\"></span>Rec<span class=\"_ _0\"></span>onciliation o<span class=\"_ _4\"></span>f c<span class=\"_ _0\"></span>ash flo<span class=\"_ _4\"></span>ws from financing activities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs525\">The tables belo<span class=\"_ _4\"></span>w show a reconciliation of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s liabilities classified as financing activities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs526\">within the Consolidated Stat<span class=\"_ _4\"></span>ement of Cash Flow<span class=\"_ _4\"></span>s:<span class=\"_ _311\"> </span></div><div class=\"gs527\"><table class=\"s w5f4 hed\" id=\"_b2c797e4-7e13-489b-8f36-b9b15e044706\"><tr><td></td><td></td><td class=\"t m0 x9e8 h2b y45ff ff2 fs16 fc5 sc0 ls1 ws0\">Debt </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9e9 h2b y4600 ff2 fs16 fc5 sc0 ls1 ws0\">Amounts ow<span class=\"_ _4\"></span>ed to  </td><td class=\"t m0 x723 h2b y4601 ff2 fs16 fc5 sc0 ls1 ws0\">securities in </td><td class=\"t m0 x9b5 h2b y4602 ff2 fs16 fc5 sc0 ls1 ws0\">Senior notes </td><td class=\"t m0 x7e3 h2b y4603 ff2 fs16 fc5 sc0 ls1 ws0\">Subordinated </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9e9 h2b y4604 ff2 fs16 fc5 sc0 ls1 ws0\">credit institutions  </td><td class=\"t m0 x9ea h2b y4605 ff2 fs16 fc5 sc0 ls1 ws0\">issue (see </td><td class=\"t m0 x9eb h2b y4606 ff2 fs16 fc5 sc0 ls1 ws0\">(see note </td><td class=\"t m0 x836 h2b y4607 ff2 fs16 fc5 sc0 ls1 ws0\">liabilities (see </td><td class=\"t m0 x298 h2b y4608 ff2 fs16 fc5 sc0 ls1 ws0\">PSBs (see </td><td></td></tr><tr><td></td><td class=\"t m0 x7d9 h2b y4609 ff2 fs16 fc5 sc0 ls1 ws0\">(see note 28)<span class=\"_ _311\"> </span></td><td class=\"t m0 x7da h2b y460a ff2 fs16 fc5 sc0 ls1 ws0\">note 31)<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ec h2b y460b ff2 fs16 fc5 sc0 ls17 ws134\">36)<span class=\"_ _311\"> </span></td><td class=\"t m0 x922 h2b y460c ff2 fs16 fc5 sc0 ls1 ws0\">note 37)<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ed h2b y460d ff2 fs16 fc5 sc0 ls1 ws0\">note 38)<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y460d ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x9ee h2b y460e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ef h2b y460f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ec h2b y4610 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4611 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4612 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4612 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4613 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f0 y4613 w5f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>2</div></td><td class=\"c n x9f1 y4613 w5f6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">4<span class=\"_ _0\"></span>60.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f2 y4613 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f3 y4613 w5ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10.<span class=\"_ _0\"></span>3</div></td><td class=\"c n x9f4 y4613 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2</div></td><td class=\"c n x9f5 y4613 w5f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4,6<span class=\"_ _0\"></span>90.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4614 ff1 fs3 fc5 sc0 ls1 ws0\">Cash mov<span class=\"_ _4\"></span>ements:<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4615 w5f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Principal dra<span class=\"_ _4\"></span>wdowns<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f6 y4615 w5f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f7 y4615 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f8 y4615 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f9 y4615 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9fa y4615 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013</div></td><td class=\"c n x9fb y4615 w5fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">42<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4616 w5fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Principal repayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x9fc y4616 w5fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(120.5<span class=\"_ _0\"></span>)</div></td><td class=\"c n x9fd y4616 w5fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(1<span class=\"_ _0\"></span>93<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x9fe y4616 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x9ff y4616 w5fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa00 y4616 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013</div></td><td class=\"c n xa01 y4616 w150 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(<span class=\"_ _0\"></span>324.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4617 w5ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est paid<span class=\"_ _311\"> </span></div></td><td class=\"c n xa02 y4617 w600 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(34.<span class=\"_ _0\"></span>8)</div></td><td class=\"c n xa03 y4617 w601 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(8.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa04 y4617 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa05 y4617 w602 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(1.<span class=\"_ _0\"></span>3)</div></td><td class=\"c n xa06 y4617 w603 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(0.7<span class=\"_ _2\"></span>)</div></td><td class=\"c n xa07 y4617 w604 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(<span class=\"_ _0\"></span>45.3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4618 ff1 fs3 fc5 sc0 ls1 ws0\">Non-cash movemen<span class=\"_ _4\"></span>ts:<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4619 w605 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est charged<span class=\"_ _311\"> </span></div></td><td class=\"c n xa08 y4619 w31b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">6<span class=\"_ _0\"></span>4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa09 y4619 w143 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa0a y4619 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa0b y4619 w1d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa0c y4619 w589 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.7</div></td><td class=\"c n xa0d y4619 w606 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">7<span class=\"_ _0\"></span>4.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y461a wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n xa0e y461a w5b8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4,5<span class=\"_ _0\"></span>43<span class=\"_ _0\"></span>.2</div></td><td class=\"c n xa0f y461a w9c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa10 y461a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa11 y461a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013</div></td><td class=\"c n xa12 y461a w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2</div></td><td class=\"c n xa13 y461a w607 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>824.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y461b ff1 fs3 fc5 sc0 ls1 ws0\">Cash mov<span class=\"_ _4\"></span>ements:<span class=\"_ _64\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y461c w5f8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Principal dra<span class=\"_ _4\"></span>wdowns<span class=\"_ _311\"> </span></div></td><td class=\"c n x9f6 y432f w5f9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.9</div></td><td class=\"c n xa14 y432f w608 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">591.6</div></td><td class=\"c n xa15 y432f w609 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>98<span class=\"_ _0\"></span>.4</div></td><td class=\"c n xa16 y432f w60a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">248<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa17 y432f w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013</div></td><td class=\"c n xa18 y432f w60b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">1,328.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y461d w5fb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Principal repayment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xa19 y4264 w60c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">(1,3<span class=\"_ _0\"></span>90.2)</div></td><td class=\"c n xa1a y4264 w60d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1b y4264 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1c y4264 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1d y4264 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013</div></td><td class=\"c n xa1e y4264 w60e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">(1<span class=\"_ _4\"></span>,430.3<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y445a w5ff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est paid<span class=\"_ _311\"> </span></div></td><td class=\"c n xa1f y4266 w60f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(178<span class=\"_ _0\"></span>.0)</div></td><td class=\"c n xa20 y4266 w610 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(2<span class=\"_ _0\"></span>0.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa21 y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa22 y4266 w611 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls116 ws123\">(6.<span class=\"_ _0\"></span>3)</div></td><td class=\"c n xa23 y4266 w1bf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.7<span class=\"_ _0\"></span>)</div></td><td class=\"c n xa24 y4266 w612 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>20<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y461e ff1 fs3 fc5 sc0 ls1 ws0\">Non-cash movemen<span class=\"_ _4\"></span>ts:<span class=\"_ _141\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y42ea w605 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est charged<span class=\"_ _311\"> </span></div></td><td class=\"c n xa25 y426b w613 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3</div></td><td class=\"c n xa26 y426b w614 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa27 y426b w1da ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa28 y426b w615 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa29 y426b w1dc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.7</div></td><td class=\"c n xa2a y426b w616 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">245.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n xa2b y426d w617 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">3,362.2</div></td><td class=\"c n xa2c y426d w5bd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5</div></td><td class=\"c n xa2d y426d w618 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5</div></td><td class=\"c n xa2e y426d w619 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5</div></td><td class=\"c n xa2f y426d w61a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2</div></td><td class=\"c n xa30 y426d w61b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs71e\">49<span class=\"_ _3\"></span>. <span class=\"_ _0\"></span>Adjus<span class=\"_ _4\"></span>tments for non-cash items and changes in operating assets </div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs71f\">and<span class=\"_ gs720\"> </span>liabilities<span class=\"_ _311\"> </span></div><div class=\"gs721\"><table class=\"s wa92 h11a\" id=\"_d915c64a-0e58-4ab7-9a1b-cc8904df980b\"><tr><td></td><td class=\"t m0 x296 h2e y492e ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y492e ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y492f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y492f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4930 ff1 fs3 fc5 sc0 ls1 ws0\">Adjustments f<span class=\"_ _4\"></span>or non-c<span class=\"_ _0\"></span>ash and other items<span class=\"ff4\">:</span><span class=\"ff4\"><span class=\"_ _7e\"> </span></span> <span class=\"_ _146\"> </span><span class=\"ff4\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y427c w9eb ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Depreciation and amortisation<span class=\"_ _311\"> </span></div></td><td class=\"c n x125b y427d w52d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x125c y427c wa1c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4931 wa93 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x125d y4932 wa94 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x125e y4931 w8ae ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(6<span class=\"_ _0\"></span>.8<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4933 wa95 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on subordinat<span class=\"_ _4\"></span>ed liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x125f y4934 w615 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1260 y4933 w1d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">1.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4935 wa96 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1261 y4936 w1dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1262 y4935 w589 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4284 wa97 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on securitised debt<span class=\"_ _311\"> </span></div></td><td class=\"c n x1263 y4285 w614 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1264 y4284 w143 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4937 wa98 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n x1265 y4938 wa99 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1266 y4937 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4939 wa9a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on financing debt<span class=\"_ _311\"> </span></div></td><td class=\"c n x1267 y493a wa9b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1268 y4939 wa9c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">68<span class=\"_ _0\"></span>.<span class=\"_ _4\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y493b wa9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impairment char<span class=\"_ _4\"></span>ge on loans<span class=\"_ _311\"> </span></div></td><td class=\"c n x1269 y493c wa9e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">48.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x632 y493b w473 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y493d w23 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Administr<span class=\"_ _4\"></span>ative expenses<span class=\"_ _311\"> </span></div></td><td class=\"c n x126a y493e wa9f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x126b y493d w58b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y428f w27 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n x126c y428e w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x126d y428f waa0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y493f waa1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est on lease liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x126e y4940 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x126f y493f wf9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4941 waa2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Fair value losses/(<span class=\"_ _4\"></span>gains) on financial instruments<span class=\"_ _311\"> </span></div></td><td class=\"c n x1270 y4942 w48f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x652 y4941 waa3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4943 wf2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x4ed y4944 w783 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1271 y4943 w25e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4945 waa4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal adjustments for non-cash and other items<span class=\"_ _311\"> </span></div></td><td class=\"c n x1272 y4945 w16 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">294.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1273 y4946 waa5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">6<span class=\"_ _0\"></span>3.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4947 ff1 fs3 fc5 sc0 ls1 ws0\">Changes in operating assets and liabilities:<span class=\"_ _2cd\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4948 waa6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws0\">Decrease/(increase<span class=\"_ _4\"></span>) in loans and advances to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n x1274 y4949 waa7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">112<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1275 y4948 waa8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>04.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y494a waa9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Increase in loans and adv<span class=\"_ _4\"></span>ances to customer<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x1276 y494b waaa ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>,2<span class=\"_ _0\"></span>00.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1277 y494a w8d0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls60 ws64\">(<span class=\"_ _4\"></span>2,563.<span class=\"_ _1\"></span>1)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y494c waab ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Increase in amount<span class=\"_ _4\"></span>s ow<span class=\"_ _4\"></span>ed to retail depositor<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x1278 y494d waac ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls61 ws65\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>370<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1279 y494c waad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y494e waae ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(Decrease)/<span class=\"_ _4\"></span>increase in cash collater<span class=\"_ _4\"></span>al and margin received<span class=\"_ _311\"> </span></div></td><td class=\"c n x127a y494f waaf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">(336.9<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x127b y494e w368 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">434.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42a1 wab0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net increase in other asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x127c y42a2 w34 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(<span class=\"_ _0\"></span>12.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x127d y42a1 wab1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(<span class=\"_ _0\"></span>4.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4950 wab2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net (decre<span class=\"_ _4\"></span>ase)/increase in deriv<span class=\"_ _4\"></span>atives and hedged items<span class=\"_ _311\"> </span></div></td><td class=\"c n x127e y4951 wab3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(23<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x64f y4950 wab4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4952 wab5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net (decre<span class=\"_ _4\"></span>ase)/increase in amoun<span class=\"_ _4\"></span>ts ow<span class=\"_ _4\"></span>ed to other customer<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x127f y4953 wab6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1280 y4952 wa34 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">16.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4954 wab7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net increase in other liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1281 y4955 w707 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1282 y4954 wab8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4956 wab9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Exchange differences on w<span class=\"_ _4\"></span>orking capital<span class=\"_ _311\"> </span></div></td><td class=\"c n x1283 y4957 waba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.7<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x851 y4956 w330 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(0.3)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ab wabb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal changes in operating assets and liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x818 y42ab w130 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1284 y42ac wabc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>4.2<span class=\"_ _0\"></span>)</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws139 gs529\">40. Share <span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>apital<span class=\"_ _311\"> </span></div><div class=\"gs52a\"><table class=\"s w61c hee\" id=\"_27e54d6d-a326-49aa-a833-35f50965efe4\"><tr><td></td><td class=\"t m0 x867 h2b y461f ff2 fs16 fc5 sc0 ls1 ws0\">Number of shares </td><td class=\"t m0 xa31 h2b y4620 ff2 fs16 fc5 sc0 ls1 ws0\">Nominal  </td><td class=\"t m0 xa32 h2b y4621 ff2 fs16 fc5 sc0 ls1 ws0\">Premium<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xa33 h2b y4622 ff2 fs16 fc5 sc0 ls1 ws0\">issued and  </td><td class=\"t m0 x28a h2b y4623 ff2 fs16 fc5 sc0 ls1 ws0\">value  </td><td></td></tr><tr><td class=\"t m0 x28f h2b y4624 ff2 fs16 fc5 sc0 ls1 ws0\">Ordinary shares<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2b y4625 ff2 fs16 fc5 sc0 ls1 ws0\">fully paid<span class=\"_ _311\"> </span></td><td class=\"t m0 xa34 h2b y4626 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4627 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m </td></tr><tr><td class=\"c n x254 y4628 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n xa35 y4628 w404 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">448,627<span class=\"_ _3\"></span>,855<span class=\"_ _311\"> </span></div></td><td class=\"c n xa36 y4628 w61d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa37 y4628 w589 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4629 w61e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Shares cancelled under r<span class=\"_ _4\"></span>epurchase programme<span class=\"_ _311\"> </span></div></td><td class=\"c n xa38 y4629 w61f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(<span class=\"_ _4\"></span>2<span class=\"_ _0\"></span>0,6<span class=\"_ _4\"></span>7<span class=\"_ _0\"></span>1,224)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa39 y4629 wea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3a y4629 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462a w620 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Shares issued under OSB<span class=\"_ _4\"></span>G employee share plans<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3b y462a w621 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1,9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3c y462a w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3d y462a w15c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462b wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3e y462b w400 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _1\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _3\"></span>,8<span class=\"_ _0\"></span>68,6<span class=\"_ _4\"></span>25<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3f y462b wbe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xa40 y462b w622 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462c w61e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Shares cancelled under r<span class=\"_ _4\"></span>epurchase programme<span class=\"_ _311\"> </span></div></td><td class=\"c n xa41 y4268 w623 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">(<span class=\"_ _4\"></span>38,243,031<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa42 y4268 w118 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa43 y4268 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462d w620 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Shares issued under OSB<span class=\"_ _4\"></span>G employee share plans<span class=\"_ _311\"> </span></div></td><td class=\"c n xa44 y426b w624 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">1,5<span class=\"_ _0\"></span>62,08<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa45 y426b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa46 y426b w625 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n xa47 y426d w626 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">393,<span class=\"_ _4\"></span>187<span class=\"_ _1\"></span>,681<span class=\"_ _311\"> </span></div></td><td class=\"c n xa48 y426d wbd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa49 y426d wc0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls74 ws0 gs52b\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s share repur<span class=\"_ _4\"></span>chase programme commenced on 17 Mar<span class=\"_ _4\"></span>ch 2023 (2022: 18 March 2<span class=\"_ _4\"></span>022),<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs52c\">and allow<span class=\"_ _4\"></span>ed the Group to r<span class=\"_ _4\"></span>epurchase a maximum of 43,<span class=\"_ _4\"></span>024<span class=\"_ _4\"></span>,375 shar<span class=\"_ _4\"></span>es (2022: 44<span class=\"_ _4\"></span>,799<span class=\"_ _3\"></span>,505 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs52d\">shares), res<span class=\"_ _4\"></span>tricted by a total cos<span class=\"_ _4\"></span>t of \u00a3150.<span class=\"_ _1\"></span>0m (2022: \u00a3100.<span class=\"_ _1\"></span>0m). The programme completed during </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs52e\">the year and 38,243,<span class=\"_ _1\"></span>031 shares (2022: 20<span class=\"_ _1\"></span>,671,224), represen<span class=\"_ _4\"></span>ting 8.<span class=\"_ _1\"></span>9% (2022: 4<span class=\"_ _1\"></span>.6%) of the issued </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs52f\">share capital, hav<span class=\"_ _4\"></span>e been repurchased and cancelled at an av<span class=\"_ _4\"></span>erage price of \u00a33<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>92 (2022: \u00a34<span class=\"_ _1\"></span>.84) </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs530\">per share and a tot<span class=\"_ _4\"></span>al cost of \u00a3150<span class=\"_ _4\"></span>.0m (2<span class=\"_ _4\"></span>022: \u00a3100.<span class=\"_ _4\"></span>0m) excluding tr<span class=\"_ _4\"></span>ansaction costs<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs531\">The holders of or<span class=\"_ _4\"></span>dinary shares are en<span class=\"_ _4\"></span>titled to receive dividends as declare<span class=\"_ _4\"></span>d from time to time, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs532\">and are entitled t<span class=\"_ _4\"></span>o one vote per share at meetings o<span class=\"_ _4\"></span>f the Company. All ordinary shares rank </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs533\">equally with regar<span class=\"_ _4\"></span>d to the Company\u2019<span class=\"_ _1\"></span>s residual assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs534\">All ordinary shar<span class=\"_ _4\"></span>es issued in the current and prior year w<span class=\"_ _4\"></span>ere fully paid.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-509": {
   "value": "40. Share <span class=\"_ _0\"></span>c<span class=\"_ _0\"></span>apital<span class=\"_ _311\"> </span><table class=\"s w61c hee\" id=\"_27e54d6d-a326-49aa-a833-35f50965efe4\"><tr><td></td><td class=\"t m0 x867 h2b y461f ff2 fs16 fc5 sc0 ls1 ws0\">Number of shares </td><td class=\"t m0 xa31 h2b y4620 ff2 fs16 fc5 sc0 ls1 ws0\">Nominal  </td><td class=\"t m0 xa32 h2b y4621 ff2 fs16 fc5 sc0 ls1 ws0\">Premium<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xa33 h2b y4622 ff2 fs16 fc5 sc0 ls1 ws0\">issued and  </td><td class=\"t m0 x28a h2b y4623 ff2 fs16 fc5 sc0 ls1 ws0\">value  </td><td></td></tr><tr><td class=\"t m0 x28f h2b y4624 ff2 fs16 fc5 sc0 ls1 ws0\">Ordinary shares<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2b y4625 ff2 fs16 fc5 sc0 ls1 ws0\">fully paid<span class=\"_ _311\"> </span></td><td class=\"t m0 xa34 h2b y4626 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4627 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m </td></tr><tr><td class=\"c n x254 y4628 wd3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n xa35 y4628 w404 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">448,627<span class=\"_ _3\"></span>,855<span class=\"_ _311\"> </span></div></td><td class=\"c n xa36 y4628 w61d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa37 y4628 w589 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4629 w61e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Shares cancelled under r<span class=\"_ _4\"></span>epurchase programme<span class=\"_ _311\"> </span></div></td><td class=\"c n xa38 y4629 w61f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(<span class=\"_ _4\"></span>2<span class=\"_ _0\"></span>0,6<span class=\"_ _4\"></span>7<span class=\"_ _0\"></span>1,224)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa39 y4629 wea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(0.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3a y4629 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462a w620 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Shares issued under OSB<span class=\"_ _4\"></span>G employee share plans<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3b y462a w621 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>1,9<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3c y462a w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3d y462a w15c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462b wfb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">At 31 December 2022<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3e y462b w400 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _1\"></span>2<span class=\"_ _0\"></span>9<span class=\"_ _3\"></span>,8<span class=\"_ _0\"></span>68,6<span class=\"_ _4\"></span>25<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3f y462b wbe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xa40 y462b w622 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462c w61e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Shares cancelled under r<span class=\"_ _4\"></span>epurchase programme<span class=\"_ _311\"> </span></div></td><td class=\"c n xa41 y4268 w623 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">(<span class=\"_ _4\"></span>38,243,031<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa42 y4268 w118 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls78 ws7e\">(0<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa43 y4268 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y462d w620 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Shares issued under OSB<span class=\"_ _4\"></span>G employee share plans<span class=\"_ _311\"> </span></div></td><td class=\"c n xa44 y426b w624 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">1,5<span class=\"_ _0\"></span>62,08<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa45 y426b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xa46 y426b w625 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w11e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember 2023<span class=\"_ _311\"> </span></div></td><td class=\"c n xa47 y426d w626 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">393,<span class=\"_ _4\"></span>187<span class=\"_ _1\"></span>,681<span class=\"_ _311\"> </span></div></td><td class=\"c n xa48 y426d wbd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa49 y426d wc0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td></tr></table>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s share repur<span class=\"_ _4\"></span>chase programme commenced on 17 Mar<span class=\"_ _4\"></span>ch 2023 (2022: 18 March 2<span class=\"_ _4\"></span>022),<span class=\"_ _0\"></span> and allow<span class=\"_ _4\"></span>ed the Group to r<span class=\"_ _4\"></span>epurchase a maximum of 43,<span class=\"_ _4\"></span>024<span class=\"_ _4\"></span>,375 shar<span class=\"_ _4\"></span>es (2022: 44<span class=\"_ _4\"></span>,799<span class=\"_ _3\"></span>,505 shares), res<span class=\"_ _4\"></span>tricted by a total cos<span class=\"_ _4\"></span>t of \u00a3150.<span class=\"_ _1\"></span>0m (2022: \u00a3100.<span class=\"_ _1\"></span>0m). The programme completed during the year and 38,243,<span class=\"_ _1\"></span>031 shares (2022: 20<span class=\"_ _1\"></span>,671,224), represen<span class=\"_ _4\"></span>ting 8.<span class=\"_ _1\"></span>9% (2022: 4<span class=\"_ _1\"></span>.6%) of the issued share capital, hav<span class=\"_ _4\"></span>e been repurchased and cancelled at an av<span class=\"_ _4\"></span>erage price of \u00a33<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>92 (2022: \u00a34<span class=\"_ _1\"></span>.84) per share and a tot<span class=\"_ _4\"></span>al cost of \u00a3150<span class=\"_ _4\"></span>.0m (2<span class=\"_ _4\"></span>022: \u00a3100.<span class=\"_ _4\"></span>0m) excluding tr<span class=\"_ _4\"></span>ansaction costs<span class=\"_ _4\"></span>. The holders of or<span class=\"_ _4\"></span>dinary shares are en<span class=\"_ _4\"></span>titled to receive dividends as declare<span class=\"_ _4\"></span>d from time to time, and are entitled t<span class=\"_ _4\"></span>o one vote per share at meetings o<span class=\"_ _4\"></span>f the Company. All ordinary shares rank equally with regar<span class=\"_ _4\"></span>d to the Company\u2019<span class=\"_ _1\"></span>s residual assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>All ordinary shar<span class=\"_ _4\"></span>es issued in the current and prior year w<span class=\"_ _4\"></span>ere fully paid.<span class=\"_ _311\"> </span>41. <span class=\"_ _2\"></span>Other equity instruments<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s other equity ins<span class=\"_ _4\"></span>truments are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span><table class=\"s w385 hec\" id=\"_ca7c5408-4b26-4c34-b9d1-a3db55feb3af\"><tr><td></td><td class=\"t m0 x296 h2e y462e ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y462e ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td class=\"t m0 x278 h2b y462f ff2 fs16 fc5 sc0 ls1 ws0\">Additional Tier 1 securities<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2e y462f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y462f ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y426d w627 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">6% Perpetual subordinat<span class=\"_ _4\"></span>ed contingent conv<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>tible securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4a y4274 w126 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">15<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4b y426d w628 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>50.0<span class=\"_ _311\"> </span></div></td></tr></table>A<span class=\"_ _1\"></span>T<span class=\"_ _0\"></span>1 Securities<span class=\"_ _311\"> </span>On 5 October 2021, OSB<span class=\"_ _4\"></span>G issued A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities comprise \u00a3150.<span class=\"_ _4\"></span>0m of Fixe<span class=\"_ _4\"></span>d Rate Resetting Perpetual Subor<span class=\"_ _4\"></span>dinated Contingent Conv<span class=\"_ _4\"></span>ertible Se<span class=\"_ _0\"></span>curities that qualify as A<span class=\"_ _1\"></span>T1 capital under CRD IV<span class=\"_ _1\"></span>. The securities will be subject to full conv<span class=\"_ _4\"></span>ersion into or<span class=\"_ _4\"></span>dinary shares of OSBG in the ev<span class=\"_ _4\"></span>ent that the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s Common Equity Tier 1 (CET1) capit<span class=\"_ _4\"></span>al ratio falls belo<span class=\"_ _4\"></span>w 7%. The securities will pay inter<span class=\"_ _4\"></span>est at a rat<span class=\"_ _4\"></span>e of 6% per annum until the firs<span class=\"_ _4\"></span>t reset date of 7 April 202<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>, with the reset inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e equal to 539<span class=\"_ _1\"></span>.3 basis point<span class=\"_ _4\"></span>s over the 5-year Gilt R<span class=\"_ _4\"></span>ate (benchmark gilt) for such a period. Inter<span class=\"_ _4\"></span>est is paid semi-annually in April and October<span class=\"_ _1\"></span>. OSBG may, at any time<span class=\"_ _4\"></span>, cancel any interes<span class=\"_ _4\"></span>t payment at its full discretion and mus<span class=\"_ _4\"></span>t cancel inter<span class=\"_ _4\"></span>est payments in certain circums<span class=\"_ _4\"></span>tances specified in the terms and conditions of the securities<span class=\"_ _4\"></span>. The securities are perpetual with no fixe<span class=\"_ _4\"></span>d redemption date. O<span class=\"_ _4\"></span>SBG may, in its discretion and subject to satisfying certain conditions, r<span class=\"_ _4\"></span>edeem all (but not some) of the A<span class=\"_ _1\"></span>T1 securities at the principal amount outs<span class=\"_ _4\"></span>tanding plus any accrued but unpaid inter<span class=\"_ _4\"></span>est from the fir<span class=\"_ _4\"></span>st reset date and on any inter<span class=\"_ _4\"></span>est payment date ther<span class=\"_ _4\"></span>eaf<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er<span class=\"_ _4\"></span>. A<span class=\"_ _1\"></span>T1 securities which were pre<span class=\"_ _4\"></span>viously presented within \u2018<span class=\"_ _1\"></span>other reserves<span class=\"_ _1\"></span>\u2019 have been re-presen<span class=\"_ _4\"></span>ted as \u2018<span class=\"_ _1\"></span>other equity instrumen<span class=\"_ _4\"></span>ts<span class=\"_ _4\"></span>\u2019.<span class=\"_ _311\"> </span>42. Other <span class=\"_ _2\"></span>reserves<span class=\"_ _311\"> </span>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s other reserves are as f<span class=\"_ _4\"></span>ollows:<span class=\"_ _311\"> </span><table class=\"s w629 he7\" id=\"_57183062-4094-4356-a755-080b08947a4a\"><tr><td></td><td class=\"t m0 x296 h2e y4630 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4630 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4631 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4631 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w62a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4c y440a w62b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">14.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4d y432f w102 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w62c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Capital redemption &amp; tr<span class=\"_ _4\"></span>ansfer<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4e y4265 w121 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">(1,354<span class=\"_ _4\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4f y4264 w62d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w62e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Own shares<span class=\"_ _311\"> </span></div></td><td class=\"c n xa50 y4267 w546 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa51 y4266 wff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w62f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xa52 y4269 w53d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa53 y4268 w101 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w630 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change<span class=\"_ _311\"> </span></div></td><td class=\"c n xa54 y426a w631 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(2<span class=\"_ _2\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa55 y426b w632 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(1.3)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xa56 y426c w633 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">(1,343.<span class=\"_ _4\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa57 y426d wcc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr></table>Capita<span class=\"_ _4\"></span>l redemption<span class=\"_ _4\"></span> and transfer reserve<span class=\"_ _311\"> </span>The capital re<span class=\"_ _4\"></span>demption reser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e represent<span class=\"_ _4\"></span>s the shares cancelled through the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s share repurchase pr<span class=\"_ _4\"></span>ogramme. On 27 Nov<span class=\"_ _4\"></span>ember 2020<span class=\"_ _4\"></span>, a new ultimate par<span class=\"_ _4\"></span>ent company was inserted into the Gr<span class=\"_ _4\"></span>oup, being OSBG<span class=\"_ _4\"></span>. The share capital gener<span class=\"_ _4\"></span>ated from issuing 447<span class=\"_ _3\"></span>,304<span class=\"_ _1\"></span>,<span class=\"_ _4\"></span>198 nominal shares at \u00a33.<span class=\"_ _1\"></span>04 per share<span class=\"_ _4\"></span>, replacing the nominal shares of \u00a30<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>01 in OSB previously r<span class=\"_ _4\"></span>ecognised in share capital at the consolidation lev<span class=\"_ _4\"></span>el, created a tr<span class=\"_ _4\"></span>ansfer reserve of \u00a31,355<span class=\"_ _4\"></span>.3m. Ow<span class=\"_ _0\"></span>n shares<span class=\"_ _311\"> </span>The Company has adopted the look<span class=\"_ _4\"></span>-through approach f<span class=\"_ _4\"></span>or the EBT<span class=\"_ _1\"></span>, including the EBT within the Company. As at 31 December 2023, the EB<span class=\"_ _4\"></span>T held 188,<span class=\"_ _4\"></span>106 OSBG shares (<span class=\"_ _4\"></span>2022: 442,568 OSBG shares). The Gr<span class=\"_ _4\"></span>oup and Company show these shares as a deduction fr<span class=\"_ _4\"></span>om equity, being<span class=\"_ gs27\"> </span>the cost at which the shar<span class=\"_ _4\"></span>es were acquir<span class=\"_ _4\"></span>ed of \u00a31.0m (2<span class=\"_ _4\"></span>022: \u00a32.2m).<span class=\"_ _311\"> </span>FVOCI reserve<span class=\"_ _311\"> </span>The FVOCI r<span class=\"_ _4\"></span>eser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e represent<span class=\"_ _4\"></span>s the cumulative net change in the fair value of in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities measured at FV<span class=\"_ _4\"></span>OCI. Foreign ex<span class=\"_ _4\"></span>change reser<span class=\"_ _0\"></span>ve<span class=\"_ _311\"> </span>The foreign e<span class=\"_ _4\"></span>xchange reserve relates t<span class=\"_ _4\"></span>o the revaluation o<span class=\"_ _4\"></span>f the Group\u2019<span class=\"_ _1\"></span>s Indian subsidiary, OSB<span class=\"_ gs27\"> </span>India Private Limit<span class=\"_ _4\"></span>ed.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs536\">41. <span class=\"_ _2\"></span>Other equity instruments<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs537\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s other equity ins<span class=\"_ _4\"></span>truments are as follo<span class=\"_ _4\"></span>ws:<span class=\"_ _311\"> </span></div><div class=\"gs455\"><table class=\"s w385 hec\" id=\"_ca7c5408-4b26-4c34-b9d1-a3db55feb3af\"><tr><td></td><td class=\"t m0 x296 h2e y462e ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y462e ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td class=\"t m0 x278 h2b y462f ff2 fs16 fc5 sc0 ls1 ws0\">Additional Tier 1 securities<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2e y462f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y462f ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y426d w627 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">6% Perpetual subordinat<span class=\"_ _4\"></span>ed contingent conv<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>tible securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4a y4274 w126 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">15<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4b y426d w628 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>50.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs538\">A<span class=\"_ _1\"></span>T<span class=\"_ _0\"></span>1 Securities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs539\">On 5 October 2021, OSB<span class=\"_ _4\"></span>G issued A<span class=\"_ _4\"></span>T1 securities. A<span class=\"_ _1\"></span>T1 securities comprise \u00a3150.<span class=\"_ _4\"></span>0m of Fixe<span class=\"_ _4\"></span>d Rate </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs53a\">Resetting Perpetual Subor<span class=\"_ _4\"></span>dinated Contingent Conv<span class=\"_ _4\"></span>ertible Se<span class=\"_ _0\"></span>curities that qualify as A<span class=\"_ _1\"></span>T1 capital </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws55 gs53b\">under CRD IV<span class=\"_ _1\"></span>. The securities will be subject to full conv<span class=\"_ _4\"></span>ersion into or<span class=\"_ _4\"></span>dinary shares of OSBG in the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs53c\">ev<span class=\"_ _4\"></span>ent that the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s Common Equity Tier 1 (CET1) capit<span class=\"_ _4\"></span>al ratio falls belo<span class=\"_ _4\"></span>w 7%. The securities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs53d\">will pay inter<span class=\"_ _4\"></span>est at a rat<span class=\"_ _4\"></span>e of 6% per annum until the firs<span class=\"_ _4\"></span>t reset date of 7 April 202<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>, with the reset </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs53e\">inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e equal to 539<span class=\"_ _1\"></span>.3 basis point<span class=\"_ _4\"></span>s over the 5-year Gilt R<span class=\"_ _4\"></span>ate (benchmark gilt) for such a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs53f\">period. Inter<span class=\"_ _4\"></span>est is paid semi-annually in April and October<span class=\"_ _1\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs540\">OSBG may, at any time<span class=\"_ _4\"></span>, cancel any interes<span class=\"_ _4\"></span>t payment at its full discretion and mus<span class=\"_ _4\"></span>t cancel </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs541\">inter<span class=\"_ _4\"></span>est payments in certain circums<span class=\"_ _4\"></span>tances specified in the terms and conditions of the securities<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs542\">The securities are perpetual with no fixe<span class=\"_ _4\"></span>d redemption date. O<span class=\"_ _4\"></span>SBG may, in its discretion and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs543\">subject to satisfying certain conditions, r<span class=\"_ _4\"></span>edeem all (but not some) of the A<span class=\"_ _1\"></span>T1 securities at the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs544\">principal amount outs<span class=\"_ _4\"></span>tanding plus any accrued but unpaid inter<span class=\"_ _4\"></span>est from the fir<span class=\"_ _4\"></span>st reset date and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs545\">on any inter<span class=\"_ _4\"></span>est payment date ther<span class=\"_ _4\"></span>eaf<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>er<span class=\"_ _4\"></span>. A<span class=\"_ _1\"></span>T1 securities which were pre<span class=\"_ _4\"></span>viously presented within </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs546\">\u2018<span class=\"_ _1\"></span>other reserves<span class=\"_ _1\"></span>\u2019 have been re-presen<span class=\"_ _4\"></span>ted as \u2018<span class=\"_ _1\"></span>other equity instrumen<span class=\"_ _4\"></span>ts<span class=\"_ _4\"></span>\u2019.<span class=\"_ _311\"> </span></div><div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws13a gs547\">42. Other <span class=\"_ _2\"></span>reserves<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs548\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s other reserves are as f<span class=\"_ _4\"></span>ollows:<span class=\"_ _311\"> </span></div><div class=\"gs549\"><table class=\"s w629 he7\" id=\"_57183062-4094-4356-a755-080b08947a4a\"><tr><td></td><td class=\"t m0 x296 h2e y4630 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4630 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4631 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4631 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w62a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4c y440a w62b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">14.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4d y432f w102 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w62c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Capital redemption &amp; tr<span class=\"_ _4\"></span>ansfer<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4e y4265 w121 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">(1,354<span class=\"_ _4\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4f y4264 w62d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w62e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Own shares<span class=\"_ _311\"> </span></div></td><td class=\"c n xa50 y4267 w546 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa51 y4266 wff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w62f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xa52 y4269 w53d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa53 y4268 w101 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w630 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change<span class=\"_ _311\"> </span></div></td><td class=\"c n xa54 y426a w631 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(2<span class=\"_ _2\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa55 y426b w632 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(1.3)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xa56 y426c w633 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">(1,343.<span class=\"_ _4\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa57 y426d wcc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs54a\">Capita<span class=\"_ _4\"></span>l redemption<span class=\"_ _4\"></span> and transfer reserve<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs54b\">The capital re<span class=\"_ _4\"></span>demption reser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e represent<span class=\"_ _4\"></span>s the shares cancelled through the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s share </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs54c\">repurchase pr<span class=\"_ _4\"></span>ogramme. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs54d\">On 27 Nov<span class=\"_ _4\"></span>ember 2020<span class=\"_ _4\"></span>, a new ultimate par<span class=\"_ _4\"></span>ent company was inserted into the Gr<span class=\"_ _4\"></span>oup, being </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs54e\">OSBG<span class=\"_ _4\"></span>. The share capital gener<span class=\"_ _4\"></span>ated from issuing 447<span class=\"_ _3\"></span>,304<span class=\"_ _1\"></span>,<span class=\"_ _4\"></span>198 nominal shares at \u00a33.<span class=\"_ _1\"></span>04 per </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs54f\">share<span class=\"_ _4\"></span>, replacing the nominal shares of \u00a30<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>01 in OSB previously r<span class=\"_ _4\"></span>ecognised in share capital at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs550\">the consolidation lev<span class=\"_ _4\"></span>el, created a tr<span class=\"_ _4\"></span>ansfer reserve of \u00a31,355<span class=\"_ _4\"></span>.3m. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs551\">Ow<span class=\"_ _0\"></span>n shares<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs552\">The Company has adopted the look<span class=\"_ _4\"></span>-through approach f<span class=\"_ _4\"></span>or the EBT<span class=\"_ _1\"></span>, including the EBT within </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs553\">the Company. As at 31 December 2023, the EB<span class=\"_ _4\"></span>T held 188,<span class=\"_ _4\"></span>106 OSBG shares (<span class=\"_ _4\"></span>2022: 442,568 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs554\">OSBG shares). The Gr<span class=\"_ _4\"></span>oup and Company show these shares as a deduction fr<span class=\"_ _4\"></span>om equity, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs555\">being<span class=\"_ gs27\"> </span>the cost at which the shar<span class=\"_ _4\"></span>es were acquir<span class=\"_ _4\"></span>ed of \u00a31.0m (2<span class=\"_ _4\"></span>022: \u00a32.2m).<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs556\">FVOCI reserve<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs557\">The FVOCI r<span class=\"_ _4\"></span>eser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e represent<span class=\"_ _4\"></span>s the cumulative net change in the fair value of in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs558\">securities measured at FV<span class=\"_ _4\"></span>OCI. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls51 wsaa gs559\">Foreign ex<span class=\"_ _4\"></span>change reser<span class=\"_ _0\"></span>ve<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs55a\">The foreign e<span class=\"_ _4\"></span>xchange reserve relates t<span class=\"_ _4\"></span>o the revaluation o<span class=\"_ _4\"></span>f the Group\u2019<span class=\"_ _1\"></span>s Indian subsidiary, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs55b\">OSB<span class=\"_ gs27\"> </span>India Private Limit<span class=\"_ _4\"></span>ed.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-491": {
   "value": "<table class=\"s w629 he7\" id=\"_57183062-4094-4356-a755-080b08947a4a\"><tr><td></td><td class=\"t m0 x296 h2e y4630 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4630 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4631 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4631 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y432f w62a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4c y440a w62b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">14.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4d y432f w102 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w62c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Capital redemption &amp; tr<span class=\"_ _4\"></span>ansfer<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4e y4265 w121 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">(1,354<span class=\"_ _4\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa4f y4264 w62d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w62e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Own shares<span class=\"_ _311\"> </span></div></td><td class=\"c n xa50 y4267 w546 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(1<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa51 y4266 wff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w62f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xa52 y4269 w53d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa53 y4268 w101 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w630 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Foreign ex<span class=\"_ _4\"></span>change<span class=\"_ _311\"> </span></div></td><td class=\"c n xa54 y426a w631 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(2<span class=\"_ _2\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa55 y426b w632 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(1.3)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xa56 y426c w633 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">(1,343.<span class=\"_ _4\"></span>4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa57 y426d wcc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr></table>Ow<span class=\"_ _0\"></span>n shares<span class=\"_ _311\"> </span>The Company has adopted the look<span class=\"_ _4\"></span>-through approach f<span class=\"_ _4\"></span>or the EBT<span class=\"_ _1\"></span>, including the EBT within the Company. As at 31 December 2023, the EB<span class=\"_ _4\"></span>T held 188,<span class=\"_ _4\"></span>106 OSBG shares (<span class=\"_ _4\"></span>2022: 442,568 OSBG shares). The Gr<span class=\"_ _4\"></span>oup and Company show these shares as a deduction fr<span class=\"_ _4\"></span>om equity, being<span class=\"_ gs27\"> </span>the cost at which the shar<span class=\"_ _4\"></span>es were acquir<span class=\"_ _4\"></span>ed of \u00a31.0m (2<span class=\"_ _4\"></span>022: \u00a32.2m).<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs55d\">43. <span class=\"_ _1\"></span>Financial commitments and guarantees<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs55e\">a) <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>The Gr<span class=\"_ _4\"></span>oup had \u00a30.<span class=\"_ _1\"></span>1m of contrac<span class=\"_ _4\"></span>ted capital expenditure commitmen<span class=\"_ _4\"></span>ts not provide<span class=\"_ _4\"></span>d for as </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs55f\">at 31 December 2023 (2<span class=\"_ _4\"></span>022: nil). </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs560\">b) <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>The Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s minimum lease commitments under leases f<span class=\"_ _4\"></span>or low<span class=\"_ _4\"></span>-value asset<span class=\"_ _4\"></span>s and shor<span class=\"_ _0\"></span>t-term </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs561\">leases of 12 months or less ar<span class=\"_ _4\"></span>e summarised in the table below:<span class=\"_ _311\"> </span></div><div class=\"gs562\"><table class=\"s w259 hdc\" id=\"_e84297f7-b0b1-4ebb-8a17-fcb66c54c381\"><tr><td></td><td class=\"t m0 x288 h2e y4632 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4632 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4633 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4633 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4634 ff4 fs3 fc5 sc0 ls1 ws0\">Land and buildings: due within:<span class=\"_ _140\"> </span><span class=\"ff1\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y431b w634 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">One year<span class=\"_ _311\"> </span></div></td><td class=\"c n xa58 y439e w1de ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c7 y431b w101 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w635 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>wo to five year<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xa59 y426a w636 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5a y426b w637 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x4ed y426c w5e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5b y426d w638 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs564\">c) <span class=\"_ _15\"> </span>Undrawn loan facilities:<span class=\"_ _311\"> </span></div><div class=\"gs424\"><table class=\"s w385 hc3\" id=\"_848ff8fd-10df-4c0b-8194-decf7e1fa7f4\"><tr><td></td><td class=\"t m0 x296 h2e y4635 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x297 h2b y4635 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y4636 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x5d3 h2b y4636 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m </td></tr><tr><td class=\"c n x254 y4266 w639 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">OSB mortgages<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5c y4416 w63a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5d y4266 w32b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls88 ws8d\">7<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w63b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">CCFS mortgages<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5e y43ab w63c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">391.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa5f y4268 w63d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls63 ws67\">45<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w63e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance<span class=\"_ _311\"> </span></div></td><td class=\"c n xa60 y4273 w63f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa61 y426b w23b ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xa62 y4274 w640 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _1\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa63 y426d w641 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>212.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs565\">Undra<span class=\"_ _4\"></span>wn loan facilities are appro<span class=\"_ _4\"></span>ved loan applications which hav<span class=\"_ _4\"></span>e not yet been exercised. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs566\">They are payable on demand and are usually dr<span class=\"_ _4\"></span>awn down or e<span class=\"_ _4\"></span>xpire within three months<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs567\">d) <span class=\"_ _14\"> </span>The Group did not have any issued financial guar<span class=\"_ _4\"></span>antees as at 31 December 2023 (2<span class=\"_ _4\"></span>022: nil).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws135 gs569\">44<span class=\"_ _4\"></span>. Risk <span class=\"_ _0\"></span>management<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls118 ws12b gs56a\">Ove<span class=\"_ _0\"></span>rv<span class=\"_ _0\"></span>iew<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs56b\">Financial instrumen<span class=\"_ _4\"></span>ts form the vas<span class=\"_ _4\"></span>t majority of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s assets and liabilities. The Gr<span class=\"_ _4\"></span>oup </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs56c\">manages risk on a consolidated basis and risk disclosures that f<span class=\"_ _4\"></span>ollow are pro<span class=\"_ _4\"></span>vided on this basis.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs56d\">T<span class=\"_ _1\"></span>yp<span class=\"_ _0\"></span>es of finan<span class=\"_ _0\"></span>cial instrume<span class=\"_ _0\"></span>nts<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs56e\">Financial instrumen<span class=\"_ _4\"></span>ts are a broad definition which includes financial asse<span class=\"_ _4\"></span>ts, financial liabilities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs56f\">and equity instrumen<span class=\"_ _4\"></span>ts. The main financial asset<span class=\"_ _4\"></span>s of the Group are loans to cus<span class=\"_ _4\"></span>tomers and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs570\">liquid assets<span class=\"_ _4\"></span>, which in turn consist of cash in the BoE call account<span class=\"_ _4\"></span>s, call accounts with other </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs571\">credit ins<span class=\"_ _4\"></span>titutions, RMBS and UK so<span class=\"_ _4\"></span>vereign debt. These are funded by a combination o<span class=\"_ _4\"></span>f </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs572\">financial liabilities and equity instrumen<span class=\"_ _4\"></span>ts. Financial liability funding comes pr<span class=\"_ _4\"></span>edominantly </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs573\">from ret<span class=\"_ _4\"></span>ail deposits and draw<span class=\"_ _4\"></span>downs under the BoE TFSME and IL<span class=\"_ _3\"></span>TR, supported by debt </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs574\">securities, subor<span class=\"_ _4\"></span>dinated debts<span class=\"_ _4\"></span>, wholesale and other funding. Equity instrument<span class=\"_ _4\"></span>s include own </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs575\">shares and A<span class=\"_ _1\"></span>T1 securities meeting the equity classification criteria. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s main activity </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs576\">is mortgage lending; it raises funds or inv<span class=\"_ _4\"></span>ests in particular types of financial assets t<span class=\"_ _4\"></span>o meet </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs577\">cust<span class=\"_ _4\"></span>omer demand and manage the risks arising from it<span class=\"_ _4\"></span>s operations. The Gr<span class=\"_ _4\"></span>oup does not trade </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs578\">in financial instrumen<span class=\"_ _4\"></span>ts for speculative purposes<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs579\">The Group uses derivativ<span class=\"_ _4\"></span>e instrument<span class=\"_ _4\"></span>s to manage its financial risks<span class=\"_ _4\"></span>. Derivatives ar<span class=\"_ _4\"></span>e used by the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs57a\">Group solely to r<span class=\"_ _4\"></span>educe (hedge) the risk of loss arising from changes in mark<span class=\"_ _1\"></span>et rates<span class=\"_ _4\"></span>. The Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs57b\">only uses inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e swaps<span class=\"_ _4\"></span>. Derivatives are not use<span class=\"_ _4\"></span>d for speculative purposes.<span class=\"_ gs41e\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs57d\">T<span class=\"_ _1\"></span>yp<span class=\"_ _0\"></span>es of derivati<span class=\"_ _0\"></span>ves and uses<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs57e\">The derivative ins<span class=\"_ _4\"></span>truments used by the Gr<span class=\"_ _4\"></span>oup in managing its risk exposures are in<span class=\"_ _4\"></span>teres<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs57f\">rate s<span class=\"_ _4\"></span>waps<span class=\"_ _4\"></span>. Interes<span class=\"_ _4\"></span>t rate s<span class=\"_ _4\"></span>waps conv<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>t fix<span class=\"_ _4\"></span>ed interes<span class=\"_ _4\"></span>t rates to floating or vice v<span class=\"_ _4\"></span>ersa. As with </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs580\">other derivativ<span class=\"_ _4\"></span>es, the underlying product is not sold and paymen<span class=\"_ _4\"></span>ts are based on notional </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs581\">principal<span class=\"_ gs27\"> </span>amounts<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs582\">Unhedged fixe<span class=\"_ _4\"></span>d rate liabilities creat<span class=\"_ _4\"></span>e the risk of paying above-the-mark<span class=\"_ _1\"></span>et rate if int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ates </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs583\">subsequently decre<span class=\"_ _4\"></span>ase. Unhedged fixed r<span class=\"_ _4\"></span>ate mortgages and liquid assets bear the opposite </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs584\">risk of income belo<span class=\"_ _4\"></span>w-the-mark<span class=\"_ _4\"></span>et rate when r<span class=\"_ _4\"></span>ates go up. While fixe<span class=\"_ _4\"></span>d rate assets and liabilities </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs585\">naturally hedge e<span class=\"_ _4\"></span>ach other to a cer<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>ain extent, this hedge is usually ne<span class=\"_ _4\"></span>ver perfect because of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs586\">maturity mismatches and principal amounts<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs587\">The Group uses sw<span class=\"_ _4\"></span>aps to conv<span class=\"_ _4\"></span>er<span class=\"_ _0\"></span>t it<span class=\"_ _4\"></span>s instruments<span class=\"_ _4\"></span>, such as mortgages, deposits and liquid </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs588\">assets<span class=\"_ _4\"></span>, from fixed or base r<span class=\"_ _4\"></span>ate-link<span class=\"_ _4\"></span>ed rates to r<span class=\"_ _4\"></span>eference link<span class=\"_ _4\"></span>ed variable r<span class=\"_ _4\"></span>ates. This ensures a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs589\">guaran<span class=\"_ _4\"></span>teed margin betw<span class=\"_ _4\"></span>een the interes<span class=\"_ _4\"></span>t income and interes<span class=\"_ _4\"></span>t expense, re<span class=\"_ _4\"></span>gardless of changes in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs58a\">the mark<span class=\"_ _4\"></span>et rates<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs58b\">T<span class=\"_ _1\"></span>yp<span class=\"_ _0\"></span>es of risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs58c\">The principal financial risk<span class=\"_ _4\"></span>s to which the Group is exposed ar<span class=\"_ _4\"></span>e credit, liquidity and mark<span class=\"_ _4\"></span>et risks<span class=\"_ _4\"></span>, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs58d\">the latter comprising inter<span class=\"_ _4\"></span>est and ex<span class=\"_ _4\"></span>change rate risk. In addition t<span class=\"_ _4\"></span>o financial risks<span class=\"_ _4\"></span>, the Group is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs58e\">exposed to v<span class=\"_ _4\"></span>arious other risks<span class=\"_ _4\"></span>, most notably oper<span class=\"_ _4\"></span>ational, conduct and compliance/<span class=\"_ _1\"></span>regulatory, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs58f\">which are cov<span class=\"_ _4\"></span>ered in the Risk re<span class=\"_ _4\"></span>view on page 45 to 66<span class=\"_ _4\"></span>. </div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs590\">Credit risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs591\">Credit risk is the risk that losses may arise as a result o<span class=\"_ _4\"></span>f the Group\u2019<span class=\"_ _3\"></span>s borrow<span class=\"_ _4\"></span>ers or mark<span class=\"_ _4\"></span>et </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs592\">counterparties failing to meet their obligations to r<span class=\"_ _4\"></span>epay.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs593\">The Group has adopted the S<span class=\"_ _4\"></span>tandardised Appro<span class=\"_ _4\"></span>ach for assessment of credit risk r<span class=\"_ _4\"></span>egulatory </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs594\">capital re<span class=\"_ _4\"></span>quirements<span class=\"_ _4\"></span>. This approach considers risk w<span class=\"_ _4\"></span>eightings as defined under Basel II and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs595\">Basel III principles.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs596\">The classes of financial ins<span class=\"_ _4\"></span>truments to which the Group is mos<span class=\"_ _4\"></span>t exposed are loans and adv<span class=\"_ _4\"></span>ances </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs597\">to cus<span class=\"_ _4\"></span>tomers, lo<span class=\"_ _4\"></span>ans and advances to credit ins<span class=\"_ _4\"></span>titutions, cash in the BoE call account, call and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs598\">current accoun<span class=\"_ _4\"></span>ts with other credit institutions and in<span class=\"_ _4\"></span>ves<span class=\"_ _4\"></span>tment securities. The maximum cre<span class=\"_ _4\"></span>dit </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs599\">risk exposure e<span class=\"_ _4\"></span>quals the total carrying amount of the abo<span class=\"_ _4\"></span>ve categories plus o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f-balance sheet </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs59a\">undra<span class=\"_ _4\"></span>wn committed mortgage facilities.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs59b\">The change, during the period and cumulativ<span class=\"_ _4\"></span>ely, in the fair value of in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>ts in debt </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs59c\">securities and loans and advances to cus<span class=\"_ _4\"></span>tomers at FV<span class=\"_ _4\"></span>OCI and FV<span class=\"_ _0\"></span>TPL that is attribut<span class=\"_ _4\"></span>able to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs59d\">changes in credit risk is not material.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs59f\">Cred<span class=\"_ _0\"></span>it risk \u2013 loans and a<span class=\"_ _0\"></span>dvances to cu<span class=\"_ _0\"></span>stomers<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a0\">Credit risk associated with mortgage lending is lar<span class=\"_ _4\"></span>gely driven by the housing mark<span class=\"_ _4\"></span>et and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a1\">lev<span class=\"_ _4\"></span>el of unemployment. A recession and/<span class=\"_ _3\"></span>or high interes<span class=\"_ _4\"></span>t rates could cause pr<span class=\"_ _4\"></span>essure within the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a2\">mark<span class=\"_ _4\"></span>et, resulting in rising lev<span class=\"_ _4\"></span>els of arrear<span class=\"_ _4\"></span>s and repossessions.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs5a3\">All loan applications are assessed with r<span class=\"_ _4\"></span>eference to the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s Lending Policy. Changes to<span class=\"_ _4\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs5a4\">the policy are appro<span class=\"_ _4\"></span>ved by the Group Risk Committee<span class=\"_ _4\"></span>, with mandates set for the appro<span class=\"_ _4\"></span>val <span class=\"ls1\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs5a5\">of loan applications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a6\">The Group Credit Committ<span class=\"_ _4\"></span>ee and AL<span class=\"_ _4\"></span>CO regularly monitor lending activity, taking appr<span class=\"_ _4\"></span>opriate </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a7\">actions to reprice pr<span class=\"_ _4\"></span>oducts and adjust lending criteria in or<span class=\"_ _4\"></span>der to control risk and manage </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a8\">exposure<span class=\"_ _4\"></span>. Where necessary and appropriate<span class=\"_ _4\"></span>, changes to the Lending Policy ar<span class=\"_ _4\"></span>e recommended </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5a9\">to the Group Risk Committee<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs5aa\">The follo<span class=\"_ _4\"></span>wing tables show the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s maximum exposure to cre<span class=\"_ _4\"></span>dit risk and the impact of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs5ab\">collateral held as security, cappe<span class=\"_ _4\"></span>d at the gross exposure amoun<span class=\"_ _4\"></span>t, by impairment stage<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs5ac\">Capped collater<span class=\"_ _4\"></span>al excludes the impact of f<span class=\"_ _4\"></span>orced sale discounts and cos<span class=\"_ _4\"></span>ts to sell. The collateral </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls55 ws0 gs5ad\">value is determined by inde<span class=\"_ _4\"></span>xing against House Price Index dat<span class=\"_ _4\"></span>a.<span class=\"_ _311\"> </span></div><div class=\"gs5ae\"><table class=\"s w69a hf2\" id=\"_eb1ae300-f224-4b26-b659-c17c2e5c9415\"><tr><td></td><td></td><td></td><td class=\"t m0 x920 h2e y4663 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xadb y4664 w69b hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xadc y4664 w69c hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls17 ws134\">CC<span class=\"_ _0\"></span>FS<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xadd y4664 w69d hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xade h2e y4665 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 x71e h2e y4666 ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td><td class=\"t m0 xadf h2e y4667 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xae0 h2e y4668 ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x9ed h2e y4669 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xae1 h2e y466a ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td></tr><tr><td></td><td class=\"t m0 xae2 h2e y466b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x87d h2e y466c ff1 fs16 fc6 sc0 ls1 ws0\">collateral </td><td class=\"t m0 xae3 h2e y466d ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x692 h2e y466e ff1 fs16 fc6 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xae4 h2e y466f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 xae5 h2e y4670 ff1 fs16 fc6 sc0 ls1 ws0\">collateral  </td></tr><tr><td></td><td class=\"t m0 xae6 h2e y4671 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td><td class=\"t m0 x7e5 h2e y4672 ff1 fs16 fc6 sc0 ls1 ws0\"> held<span class=\"_ _311\"> </span></td><td class=\"t m0 xae7 h2e y4673 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x300 h2e y4674 ff1 fs16 fc6 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x418 h2e y4675 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xae8 h2e y4676 ff1 fs16 fc6 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y4677 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xae9 h2e y4678 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x724 h2e y4679 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x725 h2e y467a ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y467b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y467c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaea y4393 w69e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>263<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaeb y4393 w69f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span>8.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xaec y4393 w6a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaed y4393 w41b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _1\"></span>,313<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaee y4393 w6a1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,57<span class=\"_ _1\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaef y4393 w6a2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">20,5<span class=\"_ _0\"></span>42.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf0 y4267 w6a3 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,718.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf1 y4267 w6a4 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"> </span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf2 y4267 w6a5 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf3 y4267 w6a6 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1,818<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf4 y4267 w6a7 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf5 y4267 w6a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">4,535.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf6 y4269 w6a9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4<span class=\"_ _0\"></span>94.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf7 y4269 w6aa ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">488.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf8 y4269 w6ab ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf9 y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xafa y4269 w6ac ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">711.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xafb y4269 w4f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">706.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w6ad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n xafc y426a w6ae ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xafd y426a w6af ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">33.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xafe y426a w3e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xaff y426a w6b0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb00 y426a w3e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">70<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb01 y426a w6b1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">70<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xb02 y426c w6b2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb03 y426c w6b3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">14,46<span class=\"_ _4\"></span>7<span class=\"_ _1\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb04 y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb05 y426c w6b4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>,<span class=\"_ _33\"> </span>3<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb06 y426c w17a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb07 y426c w6b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">25<span class=\"_ _0\"></span>,854.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs5af\"><table class=\"s w67f hf0\" id=\"_400b08e7-d609-4424-bc31-95670a7a853b\"><tr><td></td><td></td><td></td><td class=\"t m0 xaad h2b y4649 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n xaae y464a w492 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaaf y464a w680 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xab0 y464a w579 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xab1 h2b y464b ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xab2 h2b y464c ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x539 h2b y464d ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xab3 h2b y464e ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x805 h2b y464f ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 x537 h2b y4650 ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td></tr><tr><td></td><td class=\"t m0 xab4 h2b y4651 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 xab5 h2b y4652 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xab6 h2b y4653 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x7fe h2b y4654 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xab7 h2b y4655 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x535 h2b y4656 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td></tr><tr><td></td><td class=\"t m0 xab8 h2b y4657 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xab9 h2b y4658 ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x803 h2b y4659 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2b y465a ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x4a4 h2b y465b ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xabb h2b y465c ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xabc h2b y465d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xabd h2b y465e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2b y465f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8bf h2b y4660 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4661 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4662 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n xabe y4264 w681 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10,3<span class=\"_ _0\"></span>46.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xabf y4264 w682 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10,3<span class=\"_ _0\"></span>20.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac0 y4264 w683 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">8<span class=\"_ _0\"></span>,375<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xac1 y4264 w684 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac2 y4264 w685 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">18,<span class=\"_ _0\"></span>722.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xac3 y4264 w686 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>8,6<span class=\"_ _0\"></span>94.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n xac4 y4266 w687 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xac5 y4266 w688 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,508<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xac6 y4266 w3dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac7 y4266 w689 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f6 y4266 w4c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xac8 y4266 w68a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">4<span class=\"_ _0\"></span>,41<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w3df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n xac9 y431b w68b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xaca y431b w68c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xacb y431b w68d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xacc y431b w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">156<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xacd y431b w68f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">505<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xace y431b w690 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">47<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n xacf y426b w691 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad0 y426b w692 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad1 y426b w693 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad2 y426b w436 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xad3 y426b w486 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">83<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xad4 y426b w694 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xad5 y426d w695 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13,<span class=\"_ _0\"></span>244.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xad6 y426d w696 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,18<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xad7 y426d w3ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xad8 y426d w697 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0,<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>81.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xad9 y426d w698 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xada y426d w699 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b0\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s main form of collater<span class=\"_ _4\"></span>al held is property, based in the UK and the Channel Islands.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b1\">The Group uses index<span class=\"_ _4\"></span>ed loan to value (L<span class=\"_ _3\"></span>T<span class=\"_ _0\"></span>V) ratios to assess the quality of the uncapped </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b2\">collateral held. Pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty v<span class=\"_ _4\"></span>alues are updated to re<span class=\"_ _4\"></span>flect changes in the HPI. A break<span class=\"_ _4\"></span>down of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b3\">loans and advances to cus<span class=\"_ _4\"></span>tomers by inde<span class=\"_ _4\"></span>xed L<span class=\"_ _1\"></span>TV is as follows:<span class=\"_ _311\"> </span></div><div class=\"gs5b4\"><table class=\"s w642 hef\" id=\"_5960fcc7-726e-49ef-8391-187f1e77e9c5\"><tr><td></td><td></td><td class=\"c n xa64 y4637 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xa65 y4637 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xa66 h2e y4638 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66f h2e y4638 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x670 h2e y4638 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 xa67 h2b y4638 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xa68 h2b y4638 ff2 fs16 fc5 sc0 ls1 ws0\" colspan=\"2\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xa69 h2b y4638 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xa6a h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa6b h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa6c h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c1 h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 x804 h2b y4639 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x661 h2b y4639 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td></td><td class=\"c n xa6d y463a w375 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xa6e y463a w643 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y463b ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _19a\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _57\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y463c w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa6f y463d w645 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">2<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa70 y463d w646 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _4\"></span>105.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa71 y463d w647 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">3,560.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa72 y463d w648 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">14<span class=\"_ _311\"> </span></div></td><td class=\"c n xa73 y463c w3c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls113 ws11f\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa74 y463c w649 ha8\" colspan=\"2\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _0\"></span>14<span class=\"_ _4\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa75 y463c w64a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,68<span class=\"_ _0\"></span>3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa76 y463c w65 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y463e w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa77 y463f w64c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">2<span class=\"_ _0\"></span>,275.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x67f y463f w64d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa78 y463f w64e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">3<span class=\"_ _0\"></span>,730<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xa79 y463f w648 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">14<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7a y463e w64f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">2,7<span class=\"_ _0\"></span>70.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7b y463e w650 ha8\" colspan=\"2\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,361.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7c y463e w651 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">4<span class=\"_ _0\"></span>,13<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7d y463e w69 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y436b w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7e y4640 w653 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">4<span class=\"_ _0\"></span>,414<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7f y4640 w654 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3,<span class=\"_ _0\"></span>244.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa80 y4640 w655 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa81 y4640 w264 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n xa82 y436b w656 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa83 y436b w657 ha8\" colspan=\"2\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>561<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa84 y436b w658 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">8<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x58a y436b w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">35<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4641 w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa85 y4642 w65a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">3,822<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa86 y4642 w65b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsff ws39\">5,000.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa87 y4642 w65c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8,823.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa88 y4642 w65d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">34<span class=\"_ _311\"> </span></div></td><td class=\"c n xa89 y4641 w65e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">2,1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8a y4641 w33b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8b y4641 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8c y4641 w65f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">6,4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8d y4641 w660 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4643 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8e y4644 w662 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5e ws62\">1<span class=\"_ _0\"></span>,045.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8f y4644 w663 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">573.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa90 y4644 w664 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>,6<span class=\"_ _0\"></span>18<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa91 y4644 w665 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td><td class=\"c n xa92 y4643 w666 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">548.3<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xa93 y4643 w667 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">365<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa94 y4643 w668 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">913.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa95 y4643 w12 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4645 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa96 y4646 w66a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">222<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa97 y4646 w66b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa98 y4646 w66c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>30.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa99 y4646 w66d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9a y4645 w66e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">181.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x4c3 y4645 w1f4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9b y4645 w66f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">183.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9c y4645 w670 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4537 w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9d y4538 w3bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">274.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9e y4538 w266 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9f y4538 w672 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">275.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa0 y4538 w673 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa1 y4537 w674 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaa2 y4537 w675 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa3 y4537 w676 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">178<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa4 y4537 w677 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4647 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y426c w678 haa\"><div class=\"t m0 x253 hc y4648 ff1 fs3 fc5 sc0 ls1 ws0\">before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa5 y426c w679 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsfb ws102\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa6 y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa7 y426c w17b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa8 y426c w67b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa9 y426d w67c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13,244.7<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaaa y426d w3ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xaab y426d w67d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaac y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b6\">The table belo<span class=\"_ _4\"></span>w shows the L<span class=\"_ _1\"></span>TV banding for the OSB segments<span class=\"_ _1\"></span>\u2019 two ma<span class=\"_ _4\"></span>jor lending streams: </div><div class=\"gs424\"><table class=\"s w718 hef\" id=\"_a978f8fc-922c-4ba0-8248-f097dd8ca4d2\"><tr><td></td><td></td><td class=\"c n x9aa y46af w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x9ab y46af w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb90 h2e y46b0 ff1 fs16 fc6 sc0 ls1 ws0\">BTL/SME<span class=\"_ _311\"> </span></td><td class=\"t m0 xb91 h2e y46b0 ff1 fs16 fc6 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 x7da h2e y46b0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td></td><td></td><td class=\"t m0 xb92 h2b y46b0 ff2 fs16 fc5 sc0 ls1 ws0\">BTL/SME<span class=\"_ _311\"> </span></td><td class=\"t m0 x693 h2b y46b0 ff2 fs16 fc5 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 xb93 h2b y46b0 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2b y46b1 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xae2 h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x87d h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74c h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x71c h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 x696 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb94 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb95 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb96 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y46b3 ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _19a\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _57\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y463c w644 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb97 y46b4 w719 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>78<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb98 y46b4 w71a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb99 y46b4 w645 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">2<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9a y46b4 w71b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">17<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb9b y463c w71c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1,30<span class=\"_ _0\"></span>1.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x610 y463c w3ab ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9c y463c w71d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls113 ws11f\">2<span class=\"_ _0\"></span>,76<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9d y463c w71e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">21<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y463e w64b ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9e y46b5 w71f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9f y46b5 w720 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">248.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xba0 y46b5 w721 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">2,<span class=\"_ _0\"></span>275<span class=\"_ _4\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xba1 y46b5 w722 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xba2 y463e w723 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xba3 y463e w724 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">273.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x72e y463e w725 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">2,7<span class=\"_ _0\"></span>70.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xba4 y463e w71e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">21<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y436b w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xba5 y436a w167 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">4,<span class=\"_ _1\"></span>181.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xba6 y436a w6c5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">233<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xba7 y436a w726 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">4<span class=\"_ _0\"></span>,414<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xba8 y436a w459 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">30<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xba9 y436b w727 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>86.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbaa y436b w6c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">261<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbab y436b w728 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbac y436b w729 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">36<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4641 w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbad y46b6 w72a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">3,616.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbae y46b6 w72b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">205.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbaf y46b6 w65a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,822<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb0 y46b6 wbc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">26<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb1 y4641 w72c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb2 y4641 w72d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb3 y4641 w581 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">173<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb4 y4641 w72e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">2<span class=\"_ _0\"></span>,15<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb5 y4641 w65 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4643 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb6 y46b7 w72f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">8<span class=\"_ _0\"></span>26.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb7 y46b7 w6cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb8 y46b7 w730 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">1,0<span class=\"_ _0\"></span>45.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb9 y46b7 w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbba y4643 w732 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">41<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x666 y4643 w5f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">13<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbb y4643 w18c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">548.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbc y4643 w12 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4645 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbd y46b8 w49b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">174.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbe y46b8 w63f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbf y46b8 w733 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">222.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc0 y46b8 w734 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbc1 y4645 w6f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc2 y4645 w735 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc3 y4645 w66e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">181.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc4 y4645 w736 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4537 w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc5 y454c w712 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc6 y454c w59a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc7 y454c w3bc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">274.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc8 y454c w737 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbc9 y4537 w738 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>72<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbca y4537 w21f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcb y4537 w739 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcc y4537 w677 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46b9 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y431e w678 haa\"><div class=\"t m0 x253 hc y46ba ff1 fs3 fc5 sc0 ls1 ws0\">before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcd y431e w717 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>75<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbce y431e w73a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls77 ws7d\">2,334.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcf y431e w73b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd0 y431e w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbd1 y426d w73d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10,920.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd2 y426d w73e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2,<span class=\"_ _0\"></span>32<span class=\"_ _0\"></span>4.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd3 y426d w73f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13,<span class=\"_ _0\"></span>244.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd4 y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5b7\">The tables belo<span class=\"_ _4\"></span>w show the L<span class=\"_ _1\"></span>TV analysis of the OSB BTL/SME sub-segmen<span class=\"_ _4\"></span>t:<span class=\"_ _311\"> </span></div><div class=\"gs5b8\"><table class=\"s w4c5 hf5\" id=\"_2589157e-e259-409f-982b-57f80dcf9da2\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2e y46a2 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x7de h2e y46a3 ff1 fs16 fc6 sc0 ls1 ws0\">Residential </td><td class=\"t m0 xb67 h2e y46a4 ff1 fs16 fc6 sc0 ls1 ws0\">Funding  </td><td></td></tr><tr><td></td><td class=\"t m0 x694 h2e y46a5 ff1 fs16 fc6 sc0 ls1 ws0\">Buy-to-Let<span class=\"_ _311\"> </span></td><td class=\"t m0 xb68 h2e y46a5 ff1 fs16 fc6 sc0 ls1 ws0\">Commercial<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d7 h2e y46a6 ff1 fs16 fc6 sc0 ls1 ws0\">dev<span class=\"_ _4\"></span>elopment<span class=\"_ _311\"> </span></td><td class=\"t m0 x838 h2e y46a7 ff1 fs16 fc6 sc0 ls1 ws0\">lines<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2e y46a7 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2e y46a8 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x87e h2e y46a8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y46a8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y46a9 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y46aa ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y46aa ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y46ab ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _f9\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46ac w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb69 y438f w6fb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">9<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>8.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6a y438f w6fc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">9<span class=\"_ _0\"></span>3.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6b y438f w6fd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6c y438f w326 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6d y438f w6fe ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>07<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ad w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6e y4391 w6ff ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>,<span class=\"_ _2\"> </span>8<span class=\"_ _33\"> </span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6f y4391 w700 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb70 y4391 w701 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb71 y4391 w702 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">2<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb72 y4391 w703 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y461c w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb73 y432f w704 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">3,<span class=\"_ _0\"></span>800.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb74 y432f w705 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">169<span class=\"_ _4\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb75 y432f w706 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">210.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb76 y432f w707 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb77 y432f w708 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">4,<span class=\"_ _4\"></span>181.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y461d w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb78 y4264 w709 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">3,<span class=\"_ _0\"></span>271.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb79 y4264 w16 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">323.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x50c y4264 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7a y4264 w70a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">21<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7b y4264 w70b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">3,61<span class=\"_ _4\"></span>6.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y445a w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7c y4266 w70c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>96.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7d y4266 w70d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">230.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7e y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7f y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb80 y4266 w70e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">826.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ae w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb81 y431b w357 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">68.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb82 y431b w70f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb83 y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb84 y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb85 y431b w49b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">174.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb86 y426b w710 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">202.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb87 y426b w711 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">66<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb88 y426b w3b0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb89 y426b w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8a y426b w712 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w6f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans before provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8b y426d w713 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10,7<span class=\"_ _4\"></span>64.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8c y426d w714 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">1,095.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8d y426d w715 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>80.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8e y426d w716 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8f y426d w717 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,17<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2b ff2 fs16 fc5 sc0 ls39 wscf gs5b9\">OSB<span class=\"_ _311\"> </span></div><div class=\"gs5ba\"><table class=\"s w6dc hf4\" id=\"_37f9ab90-3869-4b70-b8ba-0193f7fdf3ac\"><tr><td></td><td></td><td></td><td class=\"t m0 x855 h2b y4691 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x7fe h2b y4692 ff2 fs16 fc5 sc0 ls1 ws0\">Residential </td><td class=\"t m0 x426 h2b y4693 ff2 fs16 fc5 sc0 ls1 ws0\">Funding </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb3c h2b y4694 ff2 fs16 fc5 sc0 ls1 ws0\">Buy-to-Let<span class=\"_ _311\"> </span></td><td class=\"t m0 xb3d h2b y4694 ff2 fs16 fc5 sc0 ls1 ws0\">Commercial<span class=\"_ _311\"> </span></td><td class=\"t m0 xb3e h2b y4695 ff2 fs16 fc5 sc0 ls1 ws0\">developmen<span class=\"_ _4\"></span>t</td><td class=\"t m0 x66e h2b y4696 ff2 fs16 fc5 sc0 ls1 ws0\"> lines<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 x289 h2b y4696 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x66b h2b y4697 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x428 h2b y4697 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y4698 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4699 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 x28b h2b y4699 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y469a ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y469b w644 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb3f y469b w6dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb40 y469b w603 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">114.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x575 y469b w6de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">16<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb41 y469b w1fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">33<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb42 y469b w6df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>301.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469c w64b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb43 y469c w6e0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>,3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb44 y469c w6e1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">112.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb45 y469c w6e2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb46 y469c w6e3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb47 y469c w6d9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469d w652 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb48 y469d w6e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">4,111.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb49 y469d w6e5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4a y469d w480 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">11<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4b y469d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb4c y469d w6e6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>38<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469e w659 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4d y469e w6e7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>741.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4e y469e w6e8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">235.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4f y469e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb50 y469e w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb51 y469e w6e9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb52 y469e w6ea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469f w661 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb53 y469f w6eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">23<span class=\"_ _0\"></span>2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb54 y469f w6ec ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">151<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb55 y469f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb56 y469f w6ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">33.7<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb57 y469f w6ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">41<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46a0 w669 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb58 y46a0 w6ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7<span class=\"_ _2\"> </span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb59 y46a0 w6f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">63<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5a y46a0 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5b y46a0 w481 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb5c y46a0 w6f1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46a1 w671 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5d y46a1 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">130.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5e y46a1 w6f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5f y46a1 w1da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb60 y46a1 w6f4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb61 y46a1 w6f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">17<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w6f6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans before provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xb62 y426d w6f7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb63 y426d w339 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">88<span class=\"_ _0\"></span>1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb64 y426d w6f8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">184.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb65 y426d w6f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb66 y426d w6fa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10,920.0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5bb\">The tables belo<span class=\"_ _4\"></span>w show the L<span class=\"_ _1\"></span>TV analysis of the OSB Residential sub-segmen<span class=\"_ _4\"></span>t:<span class=\"_ _311\"> </span></div><div class=\"gs5bc\"><table class=\"s w6b6 hf3\" id=\"_f0161297-5948-4384-900f-f6ab3109c099\"><tr><td></td><td></td><td class=\"c n x960 y467d w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x961 y467d w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xb08 h2e y467e ff1 fs16 fc6 sc0 ls1 ws0\">First  </td><td class=\"t m0 x7b2 h2e y467f ff1 fs16 fc6 sc0 ls1 ws0\">Second </td><td></td><td class=\"t m0 x8bf h2b y4680 ff2 fs16 fc5 sc0 ls1 ws0\">First  </td><td class=\"t m0 x28a h2b y4681 ff2 fs16 fc5 sc0 ls1 ws0\">Second </td><td></td></tr><tr><td></td><td class=\"t m0 xb09 h2e y4682 ff1 fs16 fc6 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 xb0a h2e y4683 ff1 fs16 fc6 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 x964 h2e y4683 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 xb0b h2b y4684 ff2 fs16 fc5 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2b y4685 ff2 fs16 fc5 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4685 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4686 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x965 h2e y4687 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x966 h2e y4688 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2e y4688 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y4689 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y468a ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y468a ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y468b ff4 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _244\"> </span><span class=\"ff1\"> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4487 w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0c y4488 w6b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1,<span class=\"_ _0\"></span>292.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0d y4488 w6b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">84.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0e y4488 w6b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0f y4487 w6ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb10 y4487 w6bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb11 y4487 w6bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _33\"> </span>6<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4311 w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb12 y468c w6bd hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb13 y468c w6be hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb14 y468c w6bf hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">248.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb15 y4311 w6c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb16 y4311 w6c1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb17 y4311 w6c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">273.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4260 w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb18 y4262 w6c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">218.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb19 y4262 w6c4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">14.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1a y4262 w6c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>33.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1b y4260 w6c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1c y4260 w6c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">18.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1d y4260 w6c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">261<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y448b w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1e y468d w6c9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">19<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1f y468d w55e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb20 y468d w6ca ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">205.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb21 y448b w6cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">168.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb22 y448b w2db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb23 y448b w649 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4318 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb24 y468e w6cc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>18<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb25 y468e wfc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb26 y468e w6cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb27 y4318 w6ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">128<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb28 y4318 w2dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb29 y4318 w6cf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">13<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4370 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2a y468f w6d0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">46.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2b y468f w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2c y468f w6d1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2d y4370 w6d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2e y4370 w675 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2f y4370 w6d3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y451f w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb30 y4690 wbd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb31 y4690 w6d4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb32 y4690 w6d5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb33 y451f w313 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb34 y451f w589 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb35 y451f w6d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y426c w6d7 haa\"><div class=\"t m0 x253 hc y4648 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xb36 y426c w1c1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb37 y426c w1a8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb38 y426c w6d8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls77 ws7d\">2,334<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb39 y426d w6d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2,152.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb3a y426d w6da ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb3b y426d w6db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2,<span class=\"_ _0\"></span>32<span class=\"_ _0\"></span>4.7<span class=\"_ _311\"> </span></div></td></tr></table></div>The table belo<span class=\"_ _4\"></span>w shows the L<span class=\"_ _1\"></span>TV analysis of the four CCFS sub-segmen<span class=\"_ _4\"></span>t: <table class=\"s w76f hf7\" id=\"_54b262fd-5d8d-4c46-8edd-3d2dd53c940e\"><tr><td></td><td></td><td></td><td class=\"t m0 x87c h2e y46dc ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x881 h2e y46dd ff1 fs16 fc6 sc0 ls1 ws0\">Second </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xc08 h2e y46de ff1 fs16 fc6 sc0 ls1 ws0\">charge </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc09 h2e y46df ff1 fs16 fc6 sc0 ls1 ws0\">Buy-to-Let<span class=\"_ _311\"> </span></td><td class=\"t m0 x71e h2e y46df ff1 fs16 fc6 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d6 h2e y46df ff1 fs16 fc6 sc0 ls1 ws0\">Bridging<span class=\"_ _311\"> </span></td><td class=\"t m0 x881 h2e y46e0 ff1 fs16 fc6 sc0 ls1 ws0\">lending<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2e y46e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2e y46e1 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xc0a h2e y46e1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x87e h2e y46e1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y46e1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y46e2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y46e2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb96 h2e y46e2 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y46e3 ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _116\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46e4 w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0b y4487 w770 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">360.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0c y4487 w771 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">57<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0d y4487 w772 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0e y4487 w773 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">33.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0f y4487 w646 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _4\"></span>105.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc10 y4487 w46a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">10<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e5 w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc11 y4311 w774 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc12 y4311 w3ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">527<span class=\"_ _3\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc13 y4311 w775 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6<span class=\"_ _0\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc14 y4311 w93 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc15 y4311 w776 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc16 y4311 w777 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">13<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e6 w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc17 y4260 w778 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">2,365.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc18 y4260 w779 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">78<span class=\"_ _0\"></span>2.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc19 y4260 w77a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">7<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1a y4260 w51e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1b y4260 w654 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>,244.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1c y4260 w77b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">28<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e7 w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1d y448b w647 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">4,098<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1e y448b w77c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">8<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1f y448b w32f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">43.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc20 y448b w77d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc21 y448b w275 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsff ws39\">5,000<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc22 y448b w251 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">44<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e8 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc23 y4318 w77e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">271.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc24 y4318 w77f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>96.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc25 y4318 w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc26 y4318 w780 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc27 y4318 w781 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">573<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc28 y4318 w782 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e9 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc29 y4370 w783 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2a y4370 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2b y4370 w784 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2c y4370 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2d y4370 w785 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">8<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dc y4370 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ea w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2e y451f w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2f y451f w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc30 y451f w20f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc31 y451f w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc32 y451f w707 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc33 y451f w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46eb ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w786 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">before pro<span class=\"_ _4\"></span>visions<span class=\"_ _311\"> </span></div></td><td class=\"c n xc34 y426d w787 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc35 y426d w788 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc36 y426d w789 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">333.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc37 y426d w78a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">8<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc38 y426d w67a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc39 y426d w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w78b hf8\" id=\"_b3efe090-76f4-4d5d-b4c1-4dba1e59dcfc\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x87c h2b y46ec ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xc08 h2b y46ed ff2 fs16 fc5 sc0 ls1 ws0\">Second </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x696 h2b y46ee ff2 fs16 fc5 sc0 ls1 ws0\">charge </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc09 h2b y46ef ff2 fs16 fc5 sc0 ls1 ws0\">Buy\u2013to\u2013Let<span class=\"_ _311\"> </span></td><td class=\"t m0 xc3a h2b y46ef ff2 fs16 fc5 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 xc3b h2b y46ef ff2 fs16 fc5 sc0 ls1 ws0\">Bridging<span class=\"_ _311\"> </span></td><td class=\"t m0 xc08 h2b y46f0 ff2 fs16 fc5 sc0 ls1 ws0\">lending<span class=\"_ _311\"> </span></td><td class=\"t m0 x838 h2b y46f0 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x7dd h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d1 h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2b y46f2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"c n xc3c y46f3 w78c hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xc3d y46f3 w643 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46f4 ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46f5 w644 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc3e y46f5 w3ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">308.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc3f y46f5 w78d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">498.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc40 y46f5 w78e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc41 y46f5 w78f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc42 y46f5 w790 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">914.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc43 y46f5 w791 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y425f w64b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc44 y425f w792 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc45 y425f w793 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">501.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc46 y425f w794 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc47 y425f w795 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc48 y425f w796 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,361.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc49 y425f w52 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f6 w652 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4a y46f6 w3f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _33\"> </span>8<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4b y46f6 w797 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">924.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4c y46f6 w798 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7d ws84\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4d y46f6 w799 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">24.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4e y46f6 w79a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">3<span class=\"_ _0\"></span>,5<span class=\"_ _0\"></span>61.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4f y46f6 w79b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">34<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f7 w659 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc50 y46f7 w79c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">3<span class=\"_ _0\"></span>,61<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc51 y46f7 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc52 y46f7 w78e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc53 y46f7 w79e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc54 y46f7 w79f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _0\"></span>,<span class=\"_ _33\"> </span>2<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc55 y46f7 w7a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f8 w661 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc56 y46f8 w7a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc57 y46f8 w7a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">146.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc58 y46f8 wfd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc59 y46f8 w209 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5a y46f8 w7a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">365.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5b y46f8 we ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f9 w669 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5c y46f9 w1df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5d y46f9 w195 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5e y46f9 w450 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5f y46f9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc60 y46f9 w11f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc61 y46f9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46fa w671 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc62 y46fa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc63 y46fa w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc64 y46fa w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc65 y46fa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc66 y46fa w1f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc67 y46fa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46fb ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426c w786 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">before pro<span class=\"_ _4\"></span>visions<span class=\"_ _311\"> </span></div></td><td class=\"c n xc68 y426d w7a4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _2\"> </span>5<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc69 y426d w7a5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>69<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6a y426d w581 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">149<span class=\"_ _4\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6b y426d w7a6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">114.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6c y426d w7a7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6d y426d w7a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table>Forbe<span class=\"_ _0\"></span>arance measure<span class=\"_ _0\"></span>s undertaken<span class=\"_ _311\"> </span>The Group has a r<span class=\"_ _4\"></span>ange of options available where borro<span class=\"_ _4\"></span>wer<span class=\"_ _4\"></span>s experience financial dif<span class=\"_ _0\"></span>ficulties that impact their ability to service their financial commitments under the loan agreemen<span class=\"_ _4\"></span>t. These options are explaine<span class=\"_ _4\"></span>d in the Risk revie<span class=\"_ _4\"></span>w on page 45 to 66. A summary of the forbear<span class=\"_ _4\"></span>ance measures undertak<span class=\"_ _4\"></span>en during the year is shown belo<span class=\"_ _4\"></span>w.  The balances disclosed reflect the ye<span class=\"_ _4\"></span>ar-end balance of the accounts where a f<span class=\"_ _4\"></span>orbearance measure w<span class=\"_ _4\"></span>as under<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>aken during the ye<span class=\"_ _4\"></span>ar<span class=\"_ _4\"></span>.<table class=\"s w740 hf6\" id=\"_1533b77f-f6c9-4641-8d05-f6e7ae31170d\"><tr><td></td><td class=\"t m0 xb0a h2e y46bb ff1 fs16 fc6 sc0 ls1 ws0\"> Number of </td><td class=\"t m0 xab6 h2e y46bc ff1 fs16 fc6 sc0 ls1 ws0\">At 31 December </td><td class=\"t m0 xbd5 h2b y46bd ff2 fs16 fc5 sc0 ls1 ws0\">Number of </td><td class=\"t m0 x53a h2b y46be ff2 fs16 fc5 sc0 ls1 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m0 xab9 h2e y46bf ff1 fs16 fc6 sc0 ls1 ws0\">accounts<span class=\"_ _311\"> </span></td><td class=\"t m0 xbd6 h2e y46c0 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xbd7 h2b y46c1 ff2 fs16 fc5 sc0 ls1 ws0\">accounts<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y46c2 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y46c3 ff2 fs16 fc5 sc0 ls1 ws0\">Forbearance type<span class=\"_ _311\"> </span></td><td class=\"t m0 x66b h2e y46c4 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y46c5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x661 h2b y46c6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y46c7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y46c8 w741 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est-only switch<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd8 y46c9 w742 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">3<span class=\"_ _0\"></span>84<span class=\"_ _311\"> </span></div></td><td class=\"c n x812 y46c9 w743 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd9 y46c8 w744 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">70<span class=\"_ _311\"> </span></div></td><td class=\"c n xbda y46c8 w59b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ca w745 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e reduction<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdb y46cb w42a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">290<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdc y46cb w746 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">36.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdd y46ca w747 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsa8 ws57\">91<span class=\"_ _311\"> </span></div></td><td class=\"c n xbde y46ca w4ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46cc w748 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>erm extension<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdf y46cd w49c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">164<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe0 y46cd w749 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe1 y46cc w560 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls59 ws46\">53<span class=\"_ _311\"> </span></div></td><td class=\"c n x759 y46cc w548 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ce w74a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Payment def<span class=\"_ _4\"></span>erral<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe2 y46cf w74b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">459<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe3 y46cf w74c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">8<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe4 y46ce w74d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">194<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe5 y46ce w74e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">34.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d0 w74f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">V<span class=\"_ _4\"></span>oluntary-assis<span class=\"_ _4\"></span>ted sale<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe6 y46d1 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe7 y46d1 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe8 y46d0 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe9 y46d0 w209 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y46d2 ff4 fs3 fc5 sc0 ls1 ws0\">Payment concession  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46d3 w750 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(reduced mon<span class=\"_ _4\"></span>thly payments)<span class=\"_ _311\"> </span></div></td><td class=\"c n xbea y46d4 w751 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">112<span class=\"_ _311\"> </span></div></td><td class=\"c n xbeb y46d4 w752 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbec y46d3 w753 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">55<span class=\"_ _311\"> </span></div></td><td class=\"c n xbed y46d3 w754 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">12.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d5 w755 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Capitalisation of in<span class=\"_ _4\"></span>terest<span class=\"_ _311\"> </span></div></td><td class=\"c n xbee y46d6 w756 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n xbef y46d6 w4a7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf0 y46d5 w757 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">27<span class=\"_ _311\"> </span></div></td><td class=\"c n x4be y46d5 w26a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d7 w758 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Full or partial debt forgiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf1 y46d8 w759 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">126<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf2 y46d8 w75a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf3 y46d7 w75b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">359<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf4 y46d7 w75c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d9 w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf5 y46d9 w75d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">1,552<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf6 y46d9 w75e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>34.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf7 y46da w75f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">8<span class=\"_ _0\"></span>54<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf8 y46da w760 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h2e y46db ff2 fs16 fc5 sc0 ls1 ws0\">Loan type<span class=\"_ _2c9\"> </span><span class=\"ff1\"> <span class=\"_ _2ca\"> </span> <span class=\"_ _11d\"> </span></span> <span class=\"_ _2ca\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4264 w761 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Firs<span class=\"_ _4\"></span>t charge o<span class=\"_ _4\"></span>wner-occupier<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf9 y4265 w762 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">880<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfa y4265 w763 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">116.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfb y4264 w382 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">2<span class=\"_ _0\"></span>17<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfc y4264 w318 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w764 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Second charge o<span class=\"_ _4\"></span>wner-occupier<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfd y440b w70a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">252<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfe y440b w4a0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbff y4271 w765 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">4<span class=\"_ _0\"></span>60<span class=\"_ _311\"> </span></div></td><td class=\"c n xc00 y4271 w563 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w766 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Buy-to-L<span class=\"_ _4\"></span>et<span class=\"_ _311\"> </span></div></td><td class=\"c n xc01 y4269 w54e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">279<span class=\"_ _311\"> </span></div></td><td class=\"c n xc02 y4269 w767 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc03 y4268 w768 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls61 ws65\">107<span class=\"_ _311\"> </span></div></td><td class=\"c n xc04 y4268 w769 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w76a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Commercial<span class=\"_ _311\"> </span></div></td><td class=\"c n xc05 y426a w76b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">1<span class=\"_ _0\"></span>41<span class=\"_ _311\"> </span></div></td><td class=\"c n xc06 y426a w76c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc07 y426b w76d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">70<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b8 y426b w76e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w4c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf5 y426c w75d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">1,552<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf6 y426c w75e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>34.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf7 y426d w75f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">8<span class=\"_ _0\"></span>54<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf8 y426d w760 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs5c1\">Ge<span class=\"_ _0\"></span>ographical analysis by re<span class=\"_ _0\"></span>gion<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c2\">An analysis of loans<span class=\"_ _4\"></span>, excluding asset finance leases<span class=\"_ _4\"></span>, by region is pro<span class=\"_ _4\"></span>vided below:<span class=\"_ _311\"> </span></div><div class=\"gs5c3\"><table class=\"s w43e hfa\" id=\"_4aea0b2a-b87c-481f-ad43-edb6c8a538dd\"><tr><td></td><td></td><td class=\"c n x9aa y470e w7cc hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xcc7 y470e w250 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xcc8 h2b y470f ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xcc9 h2b y470f ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xcca h2b y470f ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 xccb h2b y470f ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xccc h2b y470f ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xb93 h2b y470f ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2b y4710 ff2 fs16 fc5 sc0 ls1 ws0\">Region<span class=\"_ _311\"> </span></td><td class=\"t m0 xccd h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xcce h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xccf h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 xcd0 h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\"> % </td><td class=\"t m0 x696 h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb94 h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"c n xcd1 y4712 w78c hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd2 y4712 w7cd hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4713 w7ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">East Anglia<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd3 y4714 w7cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>80<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd4 y4714 w7d0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,236.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd5 y4714 w7d1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>,716.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd6 y4714 w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd7 y4713 w407 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5e ws62\">453<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd8 y4713 w7d2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd9 y4713 w7d3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xcda y4713 w7d4 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4715 w7d5 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">East Midlands<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdb y4716 w7d6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">72<span class=\"_ _0\"></span>3.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdc y4716 w7d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">7<span class=\"_ _0\"></span>74.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdd y4716 w7d8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xcde y4716 w7d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdf y4715 w7da ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">6<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xce0 y4715 w7db ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">69<span class=\"_ _0\"></span>1.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xce1 y4715 w7dc ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>301.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc67 y4715 w1d ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4717 w7dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Greater L<span class=\"_ _4\"></span>ondon<span class=\"_ _311\"> </span></div></td><td class=\"c n xce2 y4718 w7de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">6<span class=\"_ _0\"></span>,18<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xce3 y4718 w7df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">3<span class=\"_ _0\"></span>,416<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xce4 y4718 w7e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">9<span class=\"_ _1\"></span>,602<span class=\"_ _0\"></span>.<span class=\"_ _4\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xce5 y4718 w7e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n xce6 y4717 w7e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xce7 y4717 w7e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3,<span class=\"_ _0\"></span>293<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xce8 y4717 w7e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">8,852.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbac y4717 wb5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4719 w7e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n xce9 y471a w7e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcea y471a w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xceb y471a w7e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcec y471a w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xced y4719 w361 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcee y4719 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcef y4719 w361 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc61 y4719 w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y471b w7e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Jersey<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf0 y471c w227 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf1 y471c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf2 y471c w7e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf3 y471c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf4 y471b w7e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">75.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf5 y471b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf6 y471b w7e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">75.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf7 y471b w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y471d w7ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">North East<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf8 y471e w7eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">195.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf9 y471e w7ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfa y471e w12a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">495.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfb y471e w737 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfc y471d w7ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">16<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfd y471d w7ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">274.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfe y471d w797 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">444<span class=\"_ _4\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcff y471d w7ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y471f w55a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">North W<span class=\"_ _4\"></span>est<span class=\"_ _311\"> </span></div></td><td class=\"c n xd00 y4720 w7f0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">98<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd01 y4720 w7f1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,031.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd02 y4720 w7f2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd03 y4720 w7f3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd04 y471f w7f4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">906.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd05 y471f w7f5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">92<span class=\"_ _0\"></span>1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd06 y471f w7f6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1,828.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd07 y471f w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4721 w7f7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Northern Ireland<span class=\"_ _311\"> </span></div></td><td class=\"c n xac4 y4722 w557 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcea y4722 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd08 y4722 w7f8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd09 y4722 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0a y4721 w23b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">10.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0b y4721 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0c y4721 w606 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0d y4721 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4723 w7f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Scotland<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0e y4724 w250 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">61<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0f y4724 w7fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd10 y4724 w126 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd11 y4724 w7fb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd12 y4723 w7fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd13 y4723 w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">261<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd14 y4723 w7fd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">298.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd15 y4723 w677 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4725 w7fe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">South East<span class=\"_ _311\"> </span></div></td><td class=\"c n xd16 y4726 w1fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"> </span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd17 y4726 w7ff ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">1,834.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd18 y4726 w800 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">4,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd19 y4726 w231 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1a y4725 w801 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2,8<span class=\"_ _0\"></span>02.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1b y4725 w802 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,68<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1c y4725 w803 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _4\"></span>4<span class=\"_ _0\"></span>84.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1d y4725 w804 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">19<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4727 w805 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">South W<span class=\"_ _4\"></span>est<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1e y4728 w806 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">959<span class=\"_ _4\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1f y4728 w807 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">7<span class=\"_ _0\"></span>51.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd20 y4728 w7d1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,710.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd21 y4728 w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd22 y4727 w808 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">8<span class=\"_ _0\"></span>93.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd23 y4727 w809 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">659<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x72e y4727 w80a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">1,553.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd24 y4727 w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4729 w158 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>ales<span class=\"_ _311\"> </span></div></td><td class=\"c n xd25 y472a w80b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd26 y472a w80c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">31<span class=\"_ _0\"></span>5.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd27 y472a w80d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>42<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd28 y472a w2bb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd29 y4729 w80e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2a y4729 w80f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2<span class=\"_ _0\"></span>84.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2b y4729 w333 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">58<span class=\"_ _0\"></span>2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2c y4729 w7ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4534 w810 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>est Midlands<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2d y472b w811 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">992.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2e y472b w80c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">8<span class=\"_ _0\"></span>51.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2f y472b w812 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">1,843.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd30 y472b w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td class=\"c n x2d8 y4534 w813 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd31 y4534 w814 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls113 ws11f\">761<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd32 y4534 w815 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>6<span class=\"_ _4\"></span>70.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd33 y4534 w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4537 w816 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Y<span class=\"_ _1\"></span>ork<span class=\"_ _4\"></span>s and<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Humberside<span class=\"_ _311\"> </span></div></td><td class=\"c n xd34 y454c w817 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">374.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd35 y454c w818 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd36 y454c w819 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">95<span class=\"_ _0\"></span>5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd37 y454c w737 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd38 y4537 w81a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">335.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x3ef y4537 w316 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd39 y4537 w7b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">853.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x2dd y4537 w81b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y472c ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y426c w678 haa\"><div class=\"t m0 x253 hc y4648 ff1 fs3 fc5 sc0 ls1 ws0\">before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3a y426c w81c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">14,286.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3b y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3c y426c w3b9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">25,6<span class=\"_ _4\"></span>74.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3d y426c w81d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3e y426d w81e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">13,081.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3f y426d w3ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd40 y426d w3ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd41 y426d w7a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs5c4\">Appro<span class=\"_ _0\"></span>ach to meas<span class=\"_ _0\"></span>urement of cr<span class=\"_ _0\"></span>edit quality<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c5\">The Group cate<span class=\"_ _4\"></span>gorises the credit quality of loans and advances to cus<span class=\"_ _4\"></span>tomers in<span class=\"_ _4\"></span>to internal </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c6\">risk grades based on the 12 mon<span class=\"_ _4\"></span>th PD calculated at the reporting date. The PDs include a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c7\">combination of internal behaviour<span class=\"_ _4\"></span>al and credit bureau char<span class=\"_ _4\"></span>acteristics and ar<span class=\"_ _4\"></span>e aligned with </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c8\">Capital models to gener<span class=\"_ _4\"></span>ate the risk grades which are then further grouped in<span class=\"_ _4\"></span>to the following </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5c9\">credit quality segmen<span class=\"_ _4\"></span>ts:<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs5ca\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Excellent quality</span> \u2013 where there is a very high lik<span class=\"_ _1\"></span>elihood the asset will be recov<span class=\"_ _4\"></span>ered in full </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5cb\">with a negligible or very lo<span class=\"_ _4\"></span>w risk of default.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs5cc\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">G<span class=\"_ _0\"></span>ood quality </span>\u2013 where there is a high lik<span class=\"_ _1\"></span>elihood the asset will be recover<span class=\"_ _4\"></span>ed in full with a low </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5cd\">risk of def<span class=\"_ _4\"></span>ault.<span class=\"_ _311\"> </span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs5ce\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">S<span class=\"_ _0\"></span>atisf<span class=\"_ _4\"></span>actory quality <span class=\"ff4\">\u2013 where the assets demonstr<span class=\"_ _4\"></span>ate a moderat<span class=\"_ _4\"></span>e default risk. </span></span></div><div class=\"t m0 hc ff4 fs3 fc5 sc0 ls1 ws0 gs5cf\">\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Lower quality</span> \u2013 wher<span class=\"_ _4\"></span>e the assets require closer monitoring and the risk o<span class=\"_ _4\"></span>f default is of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d0\">greater concern.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d1\">The follo<span class=\"_ _4\"></span>wing tables disclose the credit risk quality ratings o<span class=\"_ _4\"></span>f loans and advances to cust<span class=\"_ _4\"></span>omers </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d2\">by IFRS 9 s<span class=\"_ _4\"></span>tage. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d3\">initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan. L<span class=\"_ _4\"></span>oans and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d4\">advances to cus<span class=\"_ _4\"></span>tomers initially book<span class=\"_ _1\"></span>ed on very low PDs and gr<span class=\"_ _4\"></span>aded as excellen<span class=\"_ _4\"></span>t quality loans </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d5\">can experience a SICR and ther<span class=\"_ _4\"></span>efore be mov<span class=\"_ _4\"></span>ed to Stage 2. Such loans may s<span class=\"_ _4\"></span>till be graded as </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5d6\">ex<span class=\"_ _4\"></span>cellent quality, if they meet the over<span class=\"_ _4\"></span>all criteria. </div><div class=\"gs5d7\"><table class=\"s w7a9 hf9\" id=\"_4c52ae7b-75d3-4aaf-8f2c-eec4d59f2bf7\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x428 h2e y46fc ff1 fs16 fc6 sc0 ls1 ws0\">Stage 3 </td><td></td><td class=\"t m0 x42a h2e y46fd ff1 fs16 fc6 sc0 ls1 ws0\">PD lower </td><td class=\"t m0 x427 h2e y46fe ff1 fs16 fc6 sc0 ls1 ws0\">PD upper </td></tr><tr><td></td><td class=\"t m0 xc6e h2e y46ff ff1 fs16 fc6 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></td><td class=\"t m0 x66a h2e y46ff ff1 fs16 fc6 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></td><td class=\"t m0 x6f8 h2e y46ff ff1 fs16 fc6 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></td><td class=\"t m0 x6f9 h2e y4700 ff1 fs16 fc6 sc0 ls1 ws0\">(POCI)<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2e y4700 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c2 h2e y4701 ff1 fs16 fc6 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td><td class=\"t m0 x4dd h2e y4702 ff1 fs16 fc6 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4703 ff2 fs16 fc5 sc0 ls39 wscf\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xc6f h2e y4703 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xc70 h2e y4703 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xc71 h2e y4703 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa33 h2e y4704 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4704 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xc72 h2e y4705 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 xc73 h2e y4706 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4707 ff1 fs3 fc5 sc0 ls5e ws62\">OSB<span class=\"_ _2cb\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4465 w7aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xc74 y4466 w7ab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">4,609<span class=\"_ _1\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc75 y4466 w7ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc76 y4466 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc77 y4466 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc78 y4466 w7ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">4,866.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc79 y4466 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7a y4466 w7ae ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4708 w789 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7b y4709 w7af ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6,062.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7c y4709 w7b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,397<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7d y4709 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7e y4709 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7f y4709 w7b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc80 y4709 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc81 y4709 w7b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y470a w7b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xc82 y470b w4e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">543.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc83 y470b w7b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc84 y470b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc85 y470b w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc86 y470b w7b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc87 y470b w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc88 y470b w7b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446c w7b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xc89 y446b w5d0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">48<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8a y446b w7b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>58.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8b y446b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8c y446b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8d y446b w7b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">606.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8e y446b w7b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8f y446b w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446d w7bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xc90 y446e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc91 y446e w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc92 y446e w5ee ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">494.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc93 y446e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc94 y446e w7bc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">494.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc95 y446e w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc96 y446e w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438d w7bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xc97 y446f w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc98 y446f w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc99 y446f w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9a y446f w3e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9b y446f w4c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">33<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9c y446f w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9d y446f w7be ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y470c ff1 fs3 fc5 sc0 ls7d ws84\">CCFS<span class=\"_ _2cc\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4391 w7aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9e y470d w7bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6,204.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9f y470d w7c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xca0 y470d w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca1 y470d w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca2 y470d w7c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">6,<span class=\"_ _0\"></span>837<span class=\"_ _3\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xca3 y470d w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca4 y470d w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w789 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xca5 y440a w7c2 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls11d ws130\">2<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xca6 y440a w7c3 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">653.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xca7 y440a w31e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca8 y440a w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca9 y440a w7c4 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">3,588.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcaa y440a w567 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcab y440a w203 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w7b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xcac y4265 w9b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">168<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcad y4265 w18c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">213.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcae y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcaf y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb0 y4265 w40f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>81.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb1 y4265 w7c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb2 y4265 w7b6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w7b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb3 y440b w7c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">6<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb4 y440b w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>19.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb5 y440b w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb6 y440b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb7 y440b w7c7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">325.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb8 y440b w7c8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb9 y440b w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w7bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xc90 y4269 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc91 y4269 w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcba y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcaf y4269 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbb y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbc y4269 w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbd y4269 w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w7bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xc97 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc98 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc99 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbe y426a w3e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbf y426a w7c9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc0 y426a w7be ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc1 y426a w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xcc2 y426c w7ca ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">20,57<span class=\"_ _1\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc3 y426c w6a7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc4 y426c w7cb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">711.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc5 y426c w3e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">7<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc6 y426c w17b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"gs5d9\"><table class=\"s w81f hfb\" id=\"_63530244-d8c8-4c20-9d91-ad7731ed7710\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x920 h2b y472d ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3 </td><td></td><td class=\"t m0 x749 h2b y472e ff2 fs16 fc5 sc0 ls1 ws0\">PD low<span class=\"_ _4\"></span>er </td><td class=\"t m0 x71d h2b y472f ff2 fs16 fc5 sc0 ls1 ws0\">PD upper </td></tr><tr><td></td><td class=\"t m0 xc09 h2b y4730 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></td><td class=\"t m0 x87f h2b y4730 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d3 h2b y4730 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></td><td class=\"t m0 x87c h2b y4731 ff2 fs16 fc5 sc0 ls1 ws0\">(POCI)<span class=\"_ _311\"> </span></td><td class=\"t m0 xd42 h2b y4731 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td class=\"t m0 xd43 h2b y4732 ff2 fs16 fc5 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td><td class=\"t m0 x4cd h2b y4733 ff2 fs16 fc5 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 xd44 h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4735 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4735 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x308 h2b y4736 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 xb96 h2b y4737 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4738 ff1 fs3 fc5 sc0 ls5e ws62\">OSB<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4465 w7aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xd45 y4465 w820 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">4,<span class=\"_ _4\"></span>136.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd46 y4465 w70f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">470<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd47 y4465 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd48 y4465 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd49 y4465 w821 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4a y4465 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4b y4465 w41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4708 w789 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4c y4708 w822 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,848.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4d y4708 w823 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd47 y4708 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd48 y4708 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4e y4708 w824 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">7<span class=\"_ _1\"></span>,0<span class=\"_ _0\"></span>96.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4f y4708 w3b3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd50 y4708 w825 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y470a w7b3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xd51 y470a w24b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">33<span class=\"_ _0\"></span>1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd52 y470a w826 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">374.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd53 y470a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd54 y470a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd55 y470a w827 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>06.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd56 y470a wd5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd57 y470a w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446c w7b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xd58 y446c w795 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd59 y446c w829 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5a y446c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5b y446c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5c y446c w82a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">44<span class=\"_ _0\"></span>6.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5d y446c w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5e y446c w82b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">100.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446d w7bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5f y446d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd60 y446d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd61 y446d w82c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd62 y446d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd63 y446d w82c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd64 y446d w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd65 y446d w82e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438d w7bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xd66 y438d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd67 y438d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd68 y438d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd69 y438d w82f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6a y438d w82f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6b y438d w82e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6c y438d w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4739 ff1 fs3 fc5 sc0 ls7d ws84\">CCFS<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4391 w7aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6d y4391 w830 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,80<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6e y4391 w831 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6f y4391 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd70 y4391 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd71 y4391 w832 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">6,710.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd72 y4391 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd73 y4391 w41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w789 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xd74 y432f w833 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls97 ws6f\">2,394<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd75 y432f w834 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">668.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd76 y432f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d3 y432f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd77 y432f w835 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,062.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd78 y432f w41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd79 y432f w836 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w7b3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7a y4264 w1ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7b y4264 w837 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">143.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7c y4264 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7d y4264 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7e y4264 w838 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">295.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7f y4264 w825 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd80 y4264 w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w7b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xd58 y4271 w839 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd81 y4271 w83a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">185.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd82 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd83 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd84 y4271 w67 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd85 y4271 w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd86 y4271 w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w7bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5f y4268 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd60 y4268 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd61 y4268 w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">156<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd87 y4268 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd88 y4268 w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd89 y4268 w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8a y4268 w82b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">100.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w7bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xd66 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd67 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd68 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8b y426b w49a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8c y426b w693 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4<span class=\"_ _0\"></span>4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8d y426b w82b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">100.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8e y426b w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xd8f y426d w83b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">18,7<span class=\"_ _4\"></span>22.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd90 y426d w83c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd91 y426d w83d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">505.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x432 y426d w40a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">8<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd92 y426d w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5da\">The tables belo<span class=\"_ _4\"></span>w show the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s other financial assets and derivativ<span class=\"_ _4\"></span>es by credit risk rating </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5db\">grade<span class=\"_ _4\"></span>. The credit grade is based on the e<span class=\"_ _4\"></span>xternal credit r<span class=\"_ _4\"></span>ating of the counterparty; AAA to AA- </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5dc\">are r<span class=\"_ _4\"></span>ated Excellent; A+ t<span class=\"_ _4\"></span>o A- are r<span class=\"_ _4\"></span>ated Good; and BBB+ to BBB- are r<span class=\"_ _4\"></span>ated Satisfact<span class=\"_ _4\"></span>ory.<span class=\"_ _311\"> </span></div><div class=\"gs5dd\"><table class=\"s w83e hfc\" id=\"_efd924ca-091d-413d-9219-0c54311b3fde\"><tr><td></td><td class=\"t m0 x803 h2e y473a ff1 fs16 fc6 sc0 ls1 ws0\">Excellent<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2e y473a ff1 fs16 fc6 sc0 ls11f wsba\">Good<span class=\"_ _311\"> </span></td><td class=\"t m0 xbd7 h2e y473a ff1 fs16 fc6 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></td><td class=\"t m0 x9d4 h2e y473a ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2e y473b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85a h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x422 h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 w83f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xd93 y4270 w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">621.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd94 y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1c y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd95 y4270 w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w60 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xd96 y43ab w841 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2,<span class=\"_ _4\"></span>446.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd97 y43ab w842 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd98 y43ab w843 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd99 y43ab w844 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2,813<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w4d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9a y4273 w845 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9b y4273 w846 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9c y4273 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9d y4273 w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xd9e y431e w847 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3,<span class=\"_ _0\"></span>308.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9f y431e w848 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">648.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xda0 y431e w843 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xda1 y431e w849 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs5de\"><table class=\"s w84a hfd\" id=\"_ab793354-48f8-4bb8-bb32-708c16e168fc\"><tr><td></td><td class=\"t m0 xda2 h2b y473c ff2 fs16 fc5 sc0 ls1 ws0\">Excellent<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2b y473c ff2 fs16 fc5 sc0 ls118 ws12b\">Good<span class=\"_ _311\"> </span></td><td class=\"t m0 xa68 h2b y473c ff2 fs16 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y473c ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x428 h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 w83f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xda3 y4271 w67 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xda4 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xda5 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xda6 y4271 w67 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w60 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xda7 y4268 w84b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xda8 y4268 w84c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">43<span class=\"_ _0\"></span>5.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xda9 y4268 w84d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdaa y4268 w5b8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xdab y426b w84e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">40<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdac y426b w84f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">48<span class=\"_ _0\"></span>8.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdad y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdae y426b w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xdaf y426d w850 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,736.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb0 y426d w851 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb1 y426d w6ea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb2 y426d w852 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">4,666.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs5df\">Cred<span class=\"_ _0\"></span>it risk \u2013 loans and a<span class=\"_ _0\"></span>dvances to cr<span class=\"_ _0\"></span>edit institutions and inve<span class=\"_ _0\"></span>stment se<span class=\"_ _0\"></span>curities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs5e0\">The Group holds treasury ins<span class=\"_ _4\"></span>truments in or<span class=\"_ _4\"></span>der to meet liquidity requiremen<span class=\"_ _4\"></span>ts and for general </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs5e1\">business purposes. The cr<span class=\"_ _4\"></span>edit risk arising from these inv<span class=\"_ _4\"></span>estments is closely monit<span class=\"_ _4\"></span>ored and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs5e2\">managed by the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s T<span class=\"_ _4\"></span>reasury function. In managing these assets<span class=\"_ _4\"></span>, Group T<span class=\"_ _1\"></span>reasury operates </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs5e3\">within guidelines laid down in the Gr<span class=\"_ _4\"></span>oup Market and Liquidity Risk Policy appr<span class=\"_ _4\"></span>oved by AL<span class=\"_ _1\"></span>CO </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs5e4\">and performance is monitored and r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>te<span class=\"_ _4\"></span>d to AL<span class=\"_ _4\"></span>CO monthly, including through the use o<span class=\"_ _4\"></span>f an<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs5e5\">internally de<span class=\"_ _4\"></span>veloped rating mo<span class=\"_ _4\"></span>del based on counterparty credit default s<span class=\"_ _4\"></span>wap spreads<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5e6\">The Group has limited e<span class=\"_ _4\"></span>xposure to emerging mark<span class=\"_ _1\"></span>ets (Indian operations) and non-in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5e7\">grade debt. AL<span class=\"_ _1\"></span>CO is responsible for appr<span class=\"_ _4\"></span>oving treasury count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ties<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws6f gs5e8\">During the year<span class=\"_ _1\"></span>, the average balance o<span class=\"_ _4\"></span>f cash in hand, loans and advances to credit ins<span class=\"_ _4\"></span>titutions </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5e9\">and inv<span class=\"_ _4\"></span>estment securities on a monthly basis w<span class=\"_ _4\"></span>as \u00a33,<span class=\"_ _4\"></span>848.3m (2022: \u00a33<span class=\"_ _4\"></span>,<span class=\"_ _1\"></span>496<span class=\"_ _4\"></span>.<span class=\"_ _3\"></span>9m).<span class=\"_ _311\"> </span></div>The tables belo<span class=\"_ _4\"></span>w show the industry sect<span class=\"_ _4\"></span>or of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s loans and advances to credit institutions and in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities:<span class=\"_ _311\"> </span><table class=\"s w853 hfe\" id=\"_44b7e34f-8911-4cf2-af8f-b2d025ac0900\"><tr><td></td><td class=\"c n xdb3 y473e w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xdb4 y473e w362 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xdb5 y473f w854 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb6 y473f w855 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb7 y473f w78c hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb8 y473f w643 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4740 ff4 fs3 fc5 sc0 ls1 ws0\">BoE<span class=\"_ _311\"> </span></td><td class=\"c n xdb9 y43aa w856 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">2,325.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdba y43aa w857 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">68<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbb y4264 w858 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbc y4264 w859 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls113 ws11f\">76<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w85a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other bank<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbd y4351 w85b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">487<span class=\"_ _1\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbe y4351 w85c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">14<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbf y4266 w85d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">496.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc0 y4266 w52 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w85e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Central go<span class=\"_ _4\"></span>vernment<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc1 y431a w3a2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x2c0 y431a w85f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc2 y431b w860 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9da y431b w12 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w861 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Securitisation<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc3 y431c w862 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc4 y431c w85f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc5 y431d w6c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>63<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc6 y431d w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc7 y431e w863 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">3,4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc8 y431e w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc9 y426d w864 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3,7<span class=\"_ _0\"></span>78.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xdca y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span>Ba<span class=\"_ _0\"></span>lanc<span class=\"_ _0\"></span>es with t<span class=\"_ _0\"></span>he BoE i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>e \u00a369<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>6m (2022: \u00a362.8<span class=\"_ _0\"></span>m<span class=\"_ _4\"></span>) h<span class=\"_ _0\"></span>eld in th<span class=\"_ _0\"></span>e cash ra<span class=\"_ _0\"></span>tio dep<span class=\"_ _0\"></span>osit.<span class=\"_ _311\"> </span>The tables belo<span class=\"_ _4\"></span>w show the geographical e<span class=\"_ _4\"></span>xposure of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s loans and advances to credit institutions and in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities:<span class=\"_ _311\"> </span><table class=\"s w865 hff\" id=\"_bc7e683f-80b8-4a40-aad1-80b6df899fa0\"><tr><td></td><td class=\"c n xdb3 y4741 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xdb4 y4741 w362 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xdb5 y43a7 w854 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb6 y43a7 w855 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb7 y43a7 w78c hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb8 y43a7 w643 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w866 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">United Kingdom<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcb y431a w867 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">3<span class=\"_ _0\"></span>,418<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcc y431a w868 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">99<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcd y431b w869 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls113 ws11f\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdce y431b w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcf y4321 w86a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd0 y4321 w673 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd1 y426b w86b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd2 y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc7 y431e w863 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">3,4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc8 y431e w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc9 y426d w864 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3,7<span class=\"_ _0\"></span>78.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xdca y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table>The Group monitor<span class=\"_ _4\"></span>s exposure concentr<span class=\"_ _4\"></span>ations against a variety o<span class=\"_ _4\"></span>f criteria, including asset class, sect<span class=\"_ _4\"></span>or and geography. T<span class=\"_ _1\"></span>o avoid refinancing risk<span class=\"_ _1\"></span>s associated with any one counterparty, sector or geogr<span class=\"_ _4\"></span>aphical region, the Board has set appr<span class=\"_ _4\"></span>opriate limits. For further information on Credit risk please r<span class=\"_ _4\"></span>efer to page 62.<span class=\"_ _311\"> </span>Liquidity risk<span class=\"_ _311\"> </span>Liquidity risk is the risk of having insufficient liquid assets to fulfil obligations as they become due or the cost o<span class=\"_ _4\"></span>f raising liquid funds becoming too expensiv<span class=\"_ _4\"></span>e. The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s approach to managing liquidity risk is t<span class=\"_ _4\"></span>o maintain sufficient liquid resources to cov<span class=\"_ _4\"></span>er cash flow imbalances and fluctuations in funding in order t<span class=\"_ _4\"></span>o retain full public confidence in the solvency of the Gr<span class=\"_ _4\"></span>oup and to enable the Group to meet its financial obligations as they fall due<span class=\"_ _4\"></span>. This is achieved through main<span class=\"_ _4\"></span>taining a prudent lev<span class=\"_ _4\"></span>el of liquid assets and contr<span class=\"_ _4\"></span>ol of the gro<span class=\"_ _4\"></span>wth of the business. The Group has es<span class=\"_ _4\"></span>tablished call account<span class=\"_ _4\"></span>s with the BoE and has acc<span class=\"_ _0\"></span>ess to its contingen<span class=\"_ _4\"></span>t liquidity facilities.<span class=\"_ _311\"> </span>The Board has delegat<span class=\"_ _4\"></span>ed the responsibility for liquidity management to the Chie<span class=\"_ _4\"></span>f Executive Officer<span class=\"_ _4\"></span>, assisted by AL<span class=\"_ _1\"></span>CO<span class=\"_ _4\"></span>, with day-to-day management delegate<span class=\"_ _4\"></span>d to T<span class=\"_ _4\"></span>reasury as detaile<span class=\"_ _4\"></span>d in the Group Mark<span class=\"_ _1\"></span>et and Liquidity Risk Policy. The B<span class=\"_ _0\"></span>o<span class=\"_ _4\"></span>ard is responsible for setting risk appetit<span class=\"_ _4\"></span>e limits ov<span class=\"_ _4\"></span>er the level and maturity pr<span class=\"_ _4\"></span>ofile of funding and for monitoring the composition of the Group financial position.<span class=\"_ _311\"> </span>The Group also monitor<span class=\"_ _4\"></span>s a range of trigger<span class=\"_ _4\"></span>s, defined in the r<span class=\"_ _4\"></span>ecovery plan, which are<span class=\"_ _4\"></span> designed to captur<span class=\"_ _4\"></span>e liquidity stresses in advance in or<span class=\"_ _4\"></span>der to allow sufficient time for management action to t<span class=\"_ _4\"></span>ake e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fect. These ar<span class=\"_ _4\"></span>e monitored daily by the Risk team, with breaches immediat<span class=\"_ _4\"></span>ely reported to the Group Chief Risk Officer<span class=\"_ _4\"></span>, Chief Executiv<span class=\"_ _4\"></span>e Of<span class=\"_ _0\"></span>ficer<span class=\"_ _1\"></span>, Chief Financial Officer and the Group T<span class=\"_ _1\"></span>reasurer<span class=\"_ _1\"></span>.<span class=\"_ gs41e\"> </span><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs60c\">The tables belo<span class=\"_ _4\"></span>w show the maturity profile f<span class=\"_ _4\"></span>or the Group\u2019<span class=\"_ _1\"></span>s financial assets and liabilities  </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs60d\">based on contr<span class=\"_ _4\"></span>actual maturities at the reporting date:<span class=\"_ _311\"> </span></div><div class=\"gs60e\"><table class=\"s w4c5 h100\" id=\"_fdde9eba-6c25-41ee-b13d-99d5386f7dcc\"><tr><td></td><td class=\"t m0 x7e0 h2e y4742 ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td></td><td class=\"t m0 x835 h2e y4743 ff1 fs16 fc6 sc0 ls1 ws0\">Less than  </td><td class=\"t m0 x4f8 h2e y4744 ff1 fs16 fc6 sc0 ls1 ws0\"> 3 \u2013 12  </td><td class=\"t m0 x9ae h2e y4745 ff1 fs16 fc6 sc0 ls1 ws0\"> 1 \u2013 5  </td><td class=\"t m0 xdd3 h2e y4746 ff1 fs16 fc6 sc0 ls1 ws0\">More than </td></tr><tr><td></td><td class=\"t m0 xdd4 h2e y4747 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2e y4747 ff1 fs16 fc6 sc0 ls1 ws0\">On demand<span class=\"_ _311\"> </span></td><td class=\"t m0 xadf h2e y4748 ff1 fs16 fc6 sc0 ls1 ws0\">3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd5 h2e y4749 ff1 fs16 fc6 sc0 ls1 ws0\">months<span class=\"_ _311\"> </span></td><td class=\"t m0 x838 h2e y474a ff1 fs16 fc6 sc0 ls1 ws0\">years</td><td class=\"t m0 xae1 h2e y474b ff1 fs16 fc6 sc0 ls1 ws0\"> 5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2e y474c ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xcc9 h2e y474d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xcca h2e y474d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d4 h2e y474e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2e y474f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2e y4750 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y4751 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4752 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _f0\"> </span><span class=\"ff4\"> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4753 w86c hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd7 y4754 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb13 y4754 w86d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4,22<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd8 y4754 w86e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">6<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd9 y4754 w86f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">9,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdda y4754 w870 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>675<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xddb y4754 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4755 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xddc y4756 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xddd y4756 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdde y4756 w7f4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xddf y4756 w871 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xde0 y4756 w872 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">3<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xde1 y4756 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4757 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xde2 y4758 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xde3 y4758 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xde4 y4758 w471 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xde5 y4758 w7e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xde6 y4758 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xde7 y4758 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4759 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y475a w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xde9 y475a w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdea y475a w874 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdeb y475a w875 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">18<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdec y475a w876 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>64<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xded y475a w877 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y475b w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xdee y475c w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdef y475c w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf0 y475c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf1 y475c w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf2 y475c w5bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa43 y475c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y475d wa0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf3 y475e wa2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xde3 y475e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf4 y475e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf5 y475e w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf6 y475e w21b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf7 y475e w492 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y475f wad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf8 y4760 waf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf9 y4760 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfa y4760 w56d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfb y4760 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfc y4760 w878 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">298.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfd y4760 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4761 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfe y4762 w879 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdff y4762 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe00 y4762 w87a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x39a y4762 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe01 y4762 w87b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">248.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe02 y4762 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4763 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe03 y4764 w87d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe04 y4764 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe05 y4764 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe06 y4764 w61a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x797 y4764 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x798 y4764 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4765 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe07 y4765 w87f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">27<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>37<span class=\"_ _1\"></span>6.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe08 y4765 w880 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4,220.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe09 y4765 w881 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0a y4765 w882 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">9,1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0b y4765 w883 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0c y4765 w6c7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4766 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _63\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4767 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0d y463e w119 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0e y463e w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0f y463e w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe10 y463e w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe11 y463e w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe12 y463e w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4768 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4769 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe13 y4313 w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe14 y4313 w885 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">2<span class=\"_ _0\"></span>,623<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe15 y4313 w886 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">19.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe16 y4313 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe17 y4313 w887 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe18 y4313 w888 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">41<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y476a w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe19 y4316 w3b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1a y4316 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1b y4316 w25b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">10<span class=\"_ _0\"></span>1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1c y4316 w889 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">301.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1d y4316 w88a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">218.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1e y4316 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y476b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y445a w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1f y4266 w6a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe20 y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe21 y4266 w88c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9b ws9a\">249<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe22 y4266 w88d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe23 y4266 w88e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe24 y4266 w88f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">23,663.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ae w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe25 y431b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe26 y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe27 y431b w890 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">6.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe28 y431b w891 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">79.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe29 y431b w892 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">444.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2a y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w86 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2b y431d w893 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,731.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2c y431d w7e3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2d y431d w894 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2e y431d w895 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">850.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2f y431d w896 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe30 y431d w897 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls61 ws65\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>704<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w898 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Cumulative liquidity gap<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xe31 y426d w899 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(1,<span class=\"_ _0\"></span>596<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe32 y426d w89a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">(<span class=\"_ _33\"> </span>7,<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe33 y426d w89b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>15<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>841<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe34 y426d w89c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls59 ws46\">(21,338.<span class=\"_ _4\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe35 y426d w89d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">2,354.6<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs5af\"><table class=\"s w89e h101\" id=\"_c446c77c-e1ef-4e5b-8dc2-04ffcfe3bf53\"><tr><td></td><td class=\"t m0 x965 h2b y476c ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td></td><td class=\"t m0 x539 h2b y476d ff2 fs16 fc5 sc0 ls1 ws0\">Less than </td><td class=\"t m0 xe36 h2b y476e ff2 fs16 fc5 sc0 ls1 ws0\"> 3 \u2013 12  </td><td class=\"t m0 x8c2 h2b y476f ff2 fs16 fc5 sc0 ls1 ws0\"> 1 \u2013 5 </td><td class=\"t m0 x427 h2b y4770 ff2 fs16 fc5 sc0 ls1 ws0\">More than </td></tr><tr><td></td><td class=\"t m0 xe37 h2b y4771 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe38 h2b y4771 ff2 fs16 fc5 sc0 ls1 ws0\">On demand</td><td class=\"t m0 xe39 h2b y4772 ff2 fs16 fc5 sc0 ls1 ws0\"> 3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3a h2b y4773 ff2 fs16 fc5 sc0 ls1 ws0\">months<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3b h2b y4774 ff2 fs16 fc5 sc0 ls1 ws0\">years</td><td class=\"t m0 x801 h2b y4775 ff2 fs16 fc5 sc0 ls1 ws0\"> 5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4776 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3c h2b y4777 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2b y4777 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2b y4778 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4779 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y477a ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y477b ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y477c ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y477d w89f haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xe3f y477d w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe40 y477d w8a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls79 ws7f\">6<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>70.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe41 y477d w8a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,63<span class=\"_ _0\"></span>2.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe42 y477d w8a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _2\"></span>8<span class=\"_ _33\"> </span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4e y477d w8a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2,<span class=\"_ _0\"></span>545.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe43 y477d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y477f w89f h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y477f w8a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe45 y477f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe46 y477f w8a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe47 y477f w8a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">310.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe48 y477f w8a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4,<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe49 y477f w8a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">372.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4780 w89f haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4a y4780 w8a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4b y4780 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4c y4780 w8aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4d y4780 w8ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls113 ws11f\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4e y4780 w30a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4f y4780 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4781 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y4781 w8ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">10<span class=\"_ _0\"></span>6.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe50 y4781 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe51 y4781 w8ad ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe52 y4781 w446 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">46.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe53 y4781 w8ae ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">43.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe54 y4781 w26a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4782 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xe55 y4782 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe56 y4782 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe57 y4782 w637 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe58 y4782 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe59 y4782 w789 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5a y4782 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4783 w8af ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5b y4783 w5dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5c y4783 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5d y4783 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5e y4783 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5f y4783 w54b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa40 y4783 w26a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4784 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe60 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe61 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe62 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe63 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe64 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe65 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4785 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe66 y4785 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe67 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe68 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe69 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6a y4785 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe65 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4786 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6b y4787 w8b0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6c y4787 w8b1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">6,7<span class=\"_ _0\"></span>70.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6d y4787 w8b2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>,8<span class=\"_ _0\"></span>61.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6e y4787 w8b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">8<span class=\"_ _0\"></span>,24<span class=\"_ _0\"></span>0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6f y4787 w8b4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">7<span class=\"_ _1\"></span>,0<span class=\"_ _0\"></span>96.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe70 y4787 w8b5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">390.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4788 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4789 w8b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe71 y4789 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe72 y4789 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe73 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe58 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe74 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x641 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y478a ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y478b w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe75 y478b w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe76 y478b w8b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">3<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe77 y478b w8b8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">7<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe78 y478b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe79 y478b w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7a y478b w8b9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>90.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y478c w83f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7b y478c w3b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c8 y478c w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7c y478c w8ba ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>44.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7d y478c w6d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>2.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7e y478c w8bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">245<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7f y478c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y478d ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y469f w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe80 y469f w8bc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,612<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe81 y469f w8bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe82 y469f w840 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">223.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe83 y469f w8be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">421.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe84 y469f w412 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,341.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe85 y469f w8bf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">21,62<span class=\"_ _0\"></span>3.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46a0 w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe86 y46a0 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe87 y46a0 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe88 y46a0 w21c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe89 y46a0 w2ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">55.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8a y46a0 w807 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">828.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8b y46a0 w15c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y439f w8c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8c y431d w8c1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8d y431d w8c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8e y431d w8c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1b ws1c\">442<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8f y431d w35 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe90 y431d w8c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,41<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe91 y431d w8c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">21,815.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w8c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Cumulative liquidity gap<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xe92 y426d w8c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">(3,663.<span class=\"_ _4\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe93 y426d w8c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(6<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe94 y426d w8c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(13,823.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe95 y426d w8ca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">(18,504.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe96 y426d w8cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>,92<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs610\">Liquidity risk \u2013 undiscounted c<span class=\"_ _0\"></span>ontractual cash flows<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs611\">The follo<span class=\"_ _4\"></span>wing tables provide an analysis of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s gross contr<span class=\"_ _4\"></span>actual undiscounted </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs612\">cash flow<span class=\"_ _4\"></span>s, derived using in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ates and contr<span class=\"_ _4\"></span>actual maturities at the reporting date and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs613\">ex<span class=\"_ _4\"></span>cluding impacts of early payments or non-paymen<span class=\"_ _4\"></span>ts:<span class=\"_ _311\"> </span></div><div class=\"gs614\"><table class=\"s w8cc h103\" id=\"_f194c0c3-8ef3-4c36-ae1c-c03b6ae9d34a\"><tr><td></td><td></td><td class=\"t m0 x7d1 h2e y478e ff1 fs16 fc6 sc0 ls1 ws0\">Gross  </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y478f ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x723 h2e y4790 ff1 fs16 fc6 sc0 ls1 ws0\">inflow/ </td><td class=\"t m0 x880 h2e y4791 ff1 fs16 fc6 sc0 ls1 ws0\">Up to  </td><td class=\"t m0 x4f8 h2e y4792 ff1 fs16 fc6 sc0 ls1 ws0\"> 3 \u2013 12 </td><td class=\"t m0 x9ae h2e y4793 ff1 fs16 fc6 sc0 ls1 ws0\"> 1 \u2013 5 </td><td class=\"t m0 xdd3 h2e y4794 ff1 fs16 fc6 sc0 ls1 ws0\">More than  </td></tr><tr><td></td><td class=\"t m0 xdd4 h2e y4795 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe97 h2e y4796 ff1 fs16 fc6 sc0 ls1 ws0\">outflow<span class=\"_ _311\"> </span></td><td class=\"t m0 xadf h2e y4797 ff1 fs16 fc6 sc0 ls1 ws0\">3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd5 h2e y4798 ff1 fs16 fc6 sc0 ls1 ws0\">months</td><td class=\"t m0 x697 h2e y4799 ff1 fs16 fc6 sc0 ls1 ws0\"> years<span class=\"_ _311\"> </span></td><td class=\"t m0 xe98 h2e y479a ff1 fs16 fc6 sc0 ls1 ws0\">5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2e y479b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xcc9 h2e y479c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xcca h2e y479d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d4 h2e y479e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2e y479f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2e y47a0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y47a1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y47a2 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _20d\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y47a3 w86c hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd7 y47a4 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe99 y47a4 w8cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">22,453.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9a y47a4 w8ce ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">10,385.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9b y47a4 w8cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9c y47a4 w7c2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">2,753.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dc y47a4 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47a5 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xddc y47a6 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9d y47a6 w8d0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3,888.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9e y47a6 w7f4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9f y47a6 w8d1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">12<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xea0 y47a6 w8d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">3,6<span class=\"_ _0\"></span>60<span class=\"_ _4\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xea1 y47a6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47a7 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xde2 y47a8 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xea2 y47a8 w8d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xea3 y47a8 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xea4 y47a8 w7e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xea5 y47a8 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x531 y47a8 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47a9 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y47aa w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xea6 y47aa w7eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">195.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xea7 y47aa w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xea8 y47aa w836 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xea9 y47aa w8d4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1<span class=\"_ _4\"></span>86.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xeaa y47aa w8d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">2.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ab w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xdee y47ac w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeab y47ac w8d6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>48<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeac y47ac w6f8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">151.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xead y47ac w8d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>03<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeae y47ac w8d8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">793<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeaf y47ac w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ad wa0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf3 y47ae wa2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb0 y47ae w8d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb1 y47ae w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb2 y47ae w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb3 y47ae wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">8.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb4 y47ae w43b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47af wad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf8 y47b0 waf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb5 y47b0 w8da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>14<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb6 y47b0 w346 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">14.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb7 y47b0 w346 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">14.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb8 y47b0 w8db ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">385.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d5 y47b0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47b1 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfe y47b2 w879 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb9 y47b2 w8dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">368<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xeba y47b2 w749 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe28 y47b2 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xebb y47b2 w710 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">343.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xebc y47b2 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47b3 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe03 y47b4 w87d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xebd y47b4 w35c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xebe y47b4 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xebf y47b4 w8dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xec0 y47b4 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xec1 y47b4 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47b5 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe07 y47b5 w87f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">27<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>37<span class=\"_ _1\"></span>6.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xec2 y47b5 w8de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">28,460<span class=\"_ _4\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xec3 y47b5 w8df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls42 ws81\">10,<span class=\"_ _0\"></span>718.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xec4 y47b5 w8e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">9<span class=\"_ _4\"></span>,606.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xec5 y47b5 w8e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">8,<span class=\"_ _4\"></span>131.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xec6 y47b5 w8e2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47b6 ff4 fs3 fc5 sc0 ls1 ws0\">Off-balance sheet  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47b7 w8e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">loan commitments<span class=\"_ _311\"> </span></div></td><td class=\"c n x806 y463c w640 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _1\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xec7 y463c w640 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _1\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xec8 y463c w5ee ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _4\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xec9 y463c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xeca y463c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xecb y463c w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y47b8 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _63\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47b9 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0d y436b w119 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0e y436b w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xecc y436b w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xecd y436b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xece y436b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xecf y436b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ba ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44a5 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe13 y448b w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xed0 y448b w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xed1 y448b w8e4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">2,643.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xed2 y448b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xed3 y448b w887 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xed4 y448b w8e5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">41<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a6 w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe19 y4318 w3b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xed5 y4318 w8e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">678<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xed6 y4318 w7f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xed7 y4318 w818 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">320.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xed8 y4318 w8e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">252<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xed9 y4318 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47bb ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y42e9 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1f y4268 w6a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xeda y4268 w8e8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">66,59<span class=\"_ _0\"></span>3.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xedb y4268 w8e9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8d ws91\">561<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xedc y4268 w8ea ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1,<span class=\"_ _4\"></span>931.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf7 y4268 w8eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">9<span class=\"_ _4\"></span>,532.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xedd y4268 w8ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">54,5<span class=\"_ _0\"></span>68.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe25 y426b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xede y426b w8ed ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">540.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xedf y426b w8ee ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xee0 y426b w8ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xee1 y426b w8f0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">193<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xee2 y426b w8f1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w86 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2b y426d w893 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,731.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xee3 y426d w8f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xee4 y426d w8f3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>41<span class=\"_ _0\"></span>1.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xee5 y426d w8f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xee6 y426d w8f5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10,10<span class=\"_ _4\"></span>7<span class=\"_ _1\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xee7 y426d w8f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">54,609<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs615\"><table class=\"s w8f7 h104\" id=\"_1e68cac5-dd5b-4c24-ad4d-7b0b4e9ab9aa\"><tr><td></td><td></td><td class=\"t m0 xee8 h2b y47bc ff2 fs16 fc5 sc0 ls1 ws0\">Gross  </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x965 h2b y47bd ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x53b h2b y47be ff2 fs16 fc5 sc0 ls1 ws0\">inflow/ </td><td class=\"t m0 x859 h2b y47bf ff2 fs16 fc5 sc0 ls1 ws0\">Up to  </td><td class=\"t m0 xe36 h2b y47c0 ff2 fs16 fc5 sc0 ls1 ws0\"> 3 \u2013 12 </td><td></td><td class=\"t m0 x427 h2b y47c1 ff2 fs16 fc5 sc0 ls1 ws0\">More than  </td></tr><tr><td></td><td class=\"t m0 xe37 h2b y47c2 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xee9 h2b y47c3 ff2 fs16 fc5 sc0 ls1 ws0\">outflow<span class=\"_ _311\"> </span></td><td class=\"t m0 x539 h2b y47c4 ff2 fs16 fc5 sc0 ls1 ws0\">3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3a h2b y47c5 ff2 fs16 fc5 sc0 ls1 ws0\">months</td><td class=\"t m0 xa31 h2b y47c5 ff2 fs16 fc5 sc0 ls1 ws0\"> 1 \u2013 5 years<span class=\"_ _311\"> </span></td><td class=\"t m0 x423 h2b y47c6 ff2 fs16 fc5 sc0 ls1 ws0\">5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y47c7 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3c h2b y47c8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2b y47c9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2b y47ca ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y47cb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y47cb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y47cc ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y47cd ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y47ce w89f h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xe3f y47ce w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xeea y47ce w8f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">20,0<span class=\"_ _0\"></span>83<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xeeb y47ce w8f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xeec y47ce w8fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xeed y47ce w8fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,60<span class=\"_ _0\"></span>5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xeee y47ce wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47cf w89f haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y47cf w8a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xeef y47cf w6f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _2\"></span>,4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xef0 y47cf w732 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"> </span>2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xef1 y47cf w8fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xef2 y47cf w8fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">4<span class=\"_ _4\"></span>,<span class=\"_ _4\"></span>449<span class=\"_ _1\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xef3 y47cf w22 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">372.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47d0 w89f h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4a y47d0 w8a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xef4 y47d0 w8fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xef5 y47d0 w8aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xef6 y47d0 w8ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls113 ws11f\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xef7 y47d0 w30a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xef8 y47d0 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d1 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y47d1 w8ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">10<span class=\"_ _0\"></span>6.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xef9 y47d1 w8ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xefa y47d1 w900 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xefb y47d1 w901 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2d y47d1 w349 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">46.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xefc y47d1 w902 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d2 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xe55 y47d2 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xefd y47d2 w903 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xefe y47d2 w240 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeff y47d2 w904 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">64.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf00 y47d2 w559 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">17<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf01 y47d2 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d3 w8af ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5b y47d3 w5dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf02 y47d3 w6de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf03 y47d3 w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf04 y47d3 w905 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf05 y47d3 w587 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y47d3 wd9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d4 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe60 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe61 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe62 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe63 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe64 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe65 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d5 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe66 y47d5 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf06 y47d5 w906 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>6.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf07 y47d5 w907 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf08 y47d5 w637 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf09 y47d5 w908 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0a y47d5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4720 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6b y471f w8b0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0b y471f w909 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2<span class=\"_ _0\"></span>6,0<span class=\"_ _0\"></span>64.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0c y471f w90a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0d y471f w90b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">8,50<span class=\"_ _0\"></span>3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0e y471f w90c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0f y471f w5f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">37<span class=\"_ _0\"></span>4.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y47d6 ff4 fs3 fc5 sc0 ls1 ws0\">Off-balance sheet  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47d7 w90d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">loan commitments<span class=\"_ _311\"> </span></div></td><td class=\"c n xf10 y47d7 w641 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>212.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf11 y47d7 w641 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>212.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf12 y47d7 w90e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,2<span class=\"_ _0\"></span>12.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf13 y47d7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf14 y47d7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf15 y47d7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y47d8 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47d9 w8b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe71 y47d9 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe72 y47d9 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf16 y47d9 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf17 y47d9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf18 y47d9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf19 y47d9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y47da ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46f7 w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe75 y46f7 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1a y46f7 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1b y46f7 w90f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1c y46f7 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1d y46f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1e y46f7 w910 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">19<span class=\"_ _0\"></span>0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f8 w83f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7b y46f8 w3b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1f y46f8 w911 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">444.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf20 y46f8 w912 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">148.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf21 y46f8 w913 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">3<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf22 y46f8 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf23 y46f8 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y47db ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47dc w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe80 y47dc w8bc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,612<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf24 y47dc w5a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">5<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf25 y47dc w914 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">43<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf26 y47dc w915 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf27 y47dc w916 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf28 y47dc w917 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>,823.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47dd w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe86 y47dd w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf29 y47dd w8e6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">820.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2a y47dd w918 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">76<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2b y47dd w919 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2c y47dd w91a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4<span class=\"_ _0\"></span>84.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2d y47dd w91b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0.4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w8c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8c y426d w8c1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2e y426d w91c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">62,57<span class=\"_ _0\"></span>1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2f y426d w140 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,831<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf30 y426d w91d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>,94<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf31 y426d w91e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf32 y426d w91f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">48,0<span class=\"_ _0\"></span>13.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs616\">The actual repayment pr<span class=\"_ _4\"></span>ofile of retail deposit<span class=\"_ _4\"></span>s may dif<span class=\"_ _0\"></span>fer fr<span class=\"_ _4\"></span>om the analysis above due to the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs617\">option of early withdr<span class=\"_ _4\"></span>awal with a penalty. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs618\">Cash flows on PSBs ar<span class=\"_ _4\"></span>e disclosed up to the next int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate reset date<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs619\">The actual repayment pr<span class=\"_ _4\"></span>ofile of loans and advances to cus<span class=\"_ _4\"></span>tomers may differ from the analysis </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs61a\">abov<span class=\"_ _4\"></span>e since many mor<span class=\"_ _0\"></span>tgage lo<span class=\"_ _4\"></span>ans are repaid prior to the contr<span class=\"_ _4\"></span>actual end date.<span class=\"_ _311\"> </span></div>Liquidity risk \u2013 asset enc<span class=\"_ _0\"></span>umbrance<span class=\"_ _311\"> </span>Asset encumbrance le<span class=\"_ _4\"></span>vels are monitor<span class=\"_ _4\"></span>ed by AL<span class=\"_ _4\"></span>CO<span class=\"_ _4\"></span>. The following tables pr<span class=\"_ _4\"></span>ovide an analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s encumbered and unencumbere<span class=\"_ _4\"></span>d assets:<span class=\"_ _311\"> </span><table class=\"s w920 h105\" id=\"_03a45db4-7665-4987-890a-926a84d9993b\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2e y47de ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td></td><td></td></tr><tr><td></td><td class=\"c n xf33 y47df w921 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Encumbered<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf34 y47df w922 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Unencumbered<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x71e h2e y47e0 ff1 fs16 fc6 sc0 ls1 ws0\">Pledged as </td><td></td><td class=\"t m0 xb92 h2e y47e0 ff1 fs16 fc6 sc0 ls1 ws0\">Av<span class=\"_ _4\"></span>ailable as </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9ee h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b5 h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 xae0 h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ed h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2e y47e2 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x87e h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y47e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y47e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y47e5 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xf35 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf36 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf37 y47e6 w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf38 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf39 y47e6 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47e7 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47e8 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3a y47e9 w21 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">198.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3b y47e9 w923 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3c y47e9 w924 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3d y47e9 w925 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"> </span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3e y47e9 w926 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ea w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3f y47eb w927 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf40 y47eb w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf41 y47eb w928 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">5<span class=\"_ _0\"></span>94.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf42 y47eb w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd95 y47eb w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ec ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y47ed ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"c n xf43 y47ee w929 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf44 y47ee w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf45 y47ee w92a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">17<span class=\"_ _3\"></span>,808.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf46 y47ee w1ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf47 y47ee w6a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf48 y47ef w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf49 y47ef w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4a y47ef w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4b y47ef w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4c y47ef w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w92b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Non-financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4d y47f0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4e y47f0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4f y47f0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf50 y47f0 w7a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">(141<span class=\"_ _4\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8f y47f0 w92c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">(14<span class=\"_ _4\"></span>1.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf51 y431e w92d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">7<span class=\"_ _3\"></span>,<span class=\"_ _4\"></span>159<span class=\"_ _4\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf52 y431e w923 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf53 y431e w92e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,660.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf54 y431e w92f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">1,668.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf55 y431e w930 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span><table class=\"s w5de h106\" id=\"_fe07bb7b-0307-45c1-b628-27f3649ad19f\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2b y47f1 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n xf56 y47f2 w73b hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Encumbered<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf57 y47f2 w931 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Unencumbered<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc3a h2b y47f3 ff2 fs16 fc5 sc0 ls1 ws0\">Pledged as </td><td></td><td class=\"t m0 x7de h2b y47f4 ff2 fs16 fc5 sc0 ls1 ws0\">Available as </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x4fe h2b y47f5 ff2 fs16 fc5 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e6 h2b y47f5 ff2 fs16 fc5 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2b y47f6 ff2 fs16 fc5 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x301 h2b y47f6 ff2 fs16 fc5 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y47f7 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7d1 h2b y47f8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y47f9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2b y47fa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2b y47fa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y47fb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y47fc w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xf58 y47fc wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf59 y47fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5a y47fc w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5b y47fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5c y47fc w932 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47fd ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47fe w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5d y47fe w933 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5e y47fe w934 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5f y47fe w38c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf60 y47fe w935 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf61 y47fe w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ea w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf62 y47ea w397 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf63 y47ea wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf64 y47ea w4e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">366.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x862 y47ea wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf65 y47ea w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ff ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4800 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"c n xf66 y4504 w937 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">6<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf67 y4504 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf68 y4504 w938 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">16,<span class=\"_ _4\"></span>424<span class=\"_ _4\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf69 y4504 w939 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6a y4504 w6b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">23<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6b y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6c y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6d y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6e y44f6 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6f y44f6 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w92b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Non-financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf70 y4507 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf71 y4507 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf72 y4507 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf73 y4507 w93a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(<span class=\"_ _0\"></span>713.<span class=\"_ _1\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xf74 y4507 w93b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(713.1<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf75 y426d w93c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf76 y426d w93d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf77 y426d w93e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf78 y426d w93f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">805.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf79 y426d w88 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _2\"> </span>.<span class=\"_ _2\"> </span>7<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>R<span class=\"_ _0\"></span>epres<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s that are n<span class=\"_ _0\"></span>ot pled<span class=\"_ _0\"></span>ged b<span class=\"_ _0\"></span>ut that th<span class=\"_ _0\"></span>e Group b<span class=\"_ _0\"></span>eliev<span class=\"_ _0\"></span>es it is re<span class=\"_ _0\"></span>stric<span class=\"_ _0\"></span>ted fro<span class=\"_ _0\"></span>m using to s<span class=\"_ _0\"></span>ecure f<span class=\"_ _0\"></span>undin<span class=\"_ _0\"></span>g for le<span class=\"_ _0\"></span>gal or oth<span class=\"_ _0\"></span>er reas<span class=\"_ _0\"></span>ons.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>U<span class=\"_ _0\"></span>nencu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vance<span class=\"_ _0\"></span>s to cust<span class=\"_ _0\"></span>omer<span class=\"_ _0\"></span>s clas<span class=\"_ _0\"></span>sifie<span class=\"_ _0\"></span>d as othe<span class=\"_ _0\"></span>r are res<span class=\"_ _0\"></span>tricte<span class=\"_ _0\"></span>d for us<span class=\"_ _0\"></span>e as col<span class=\"_ _0\"></span>latera<span class=\"_ _0\"></span>l as they ar<span class=\"_ _0\"></span>e; registered ou<span class=\"_ _4\"></span>tside of UK (<span class=\"_ _1\"></span>J<span class=\"_ _0\"></span>ersey a<span class=\"_ _4\"></span>nd Guernsey),<span class=\"_ _4\"></span> not secured by i<span class=\"_ _4\"></span>mmovable property or<span class=\"_ _4\"></span> are non-<span class=\"_ _4\"></span>p<span class=\"_ _0\"></span>erformi<span class=\"_ _4\"></span>ng.<span class=\"_ _311\"> </span>Liquidity risk \u2013 liquidity reser<span class=\"_ _0\"></span>ves<span class=\"_ _311\"> </span>The tables belo<span class=\"_ _4\"></span>w analyse the Group\u2019<span class=\"_ _1\"></span>s liquidity reserves<span class=\"_ _4\"></span>, where carrying value is considered t<span class=\"_ _4\"></span>o be equal to fair v<span class=\"_ _4\"></span>alue:<span class=\"_ _311\"> </span><table class=\"s w50 hc2\" id=\"_82fd6dc6-cca5-47c1-aed6-bd4e1c931b42\"><tr><td></td><td class=\"t m0 x288 h2e y45fa ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45fa ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45fb ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y45fb ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w940 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered balances with centr<span class=\"_ _4\"></span>al banks<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7a y43aa w941 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7b y4264 w4dc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w942 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered cash and balances with other bank<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7c y4270 w943 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7d y4271 w935 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w944 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other cash and cash equivalen<span class=\"_ _4\"></span>ts<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7e y43ab w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7f y4268 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w945 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf80 y4321 w946 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">594.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf81 y426b w947 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">366<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf82 y431e w948 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3,<span class=\"_ _4\"></span>108.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf83 y426d w949 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,320.6<span class=\"_ _311\"> </span></div></td></tr></table>Market risk<span class=\"_ _311\"> </span>Mark<span class=\"_ _4\"></span>et risk is the risk of an adver<span class=\"_ _4\"></span>se change in the Group\u2019<span class=\"_ _3\"></span>s income or the Group\u2019<span class=\"_ _1\"></span>s net worth arising from mov<span class=\"_ _4\"></span>ement in inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>es, ex<span class=\"_ _4\"></span>change rates or other mark<span class=\"_ _1\"></span>et prices. Mark<span class=\"_ _4\"></span>et risk exis<span class=\"_ _4\"></span>ts, to some e<span class=\"_ _4\"></span>xtent, in all the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s businesses. The Group recognises that the e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e management of mark<span class=\"_ _1\"></span>et risk is essential to the maintenance o<span class=\"_ _4\"></span>f stable earnings and preservation of shareholder v<span class=\"_ _4\"></span>alue.<span class=\"_ _311\"> </span>Intere<span class=\"_ _0\"></span>st rate risk<span class=\"_ _311\"> </span>The primary mark<span class=\"_ _4\"></span>et risk faced by the Group is in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk is the risk of loss from adv<span class=\"_ _4\"></span>erse mov<span class=\"_ _4\"></span>ement in the ov<span class=\"_ _4\"></span>erall lev<span class=\"_ _4\"></span>el of interes<span class=\"_ _4\"></span>t rates<span class=\"_ _4\"></span>. It arises from mismatches in the timing of repricing o<span class=\"_ _4\"></span>f assets and liabilities, both on and off-balance sheet. The Group does not run a trading book or tak<span class=\"_ _1\"></span>e speculative inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e positions and therefore all in<span class=\"_ _4\"></span>terest rate risk r<span class=\"_ _4\"></span>esides in the banking book (interes<span class=\"_ _4\"></span>t rate risk in the banking book (IRRBB)). IRRBB is most pr<span class=\"_ _4\"></span>evalent in mortgage lending and in fixe<span class=\"_ _4\"></span>d rate retail deposit<span class=\"_ _4\"></span>s. Exposure is mitigat<span class=\"_ _4\"></span>ed on a continuous basis through the use o<span class=\"_ _4\"></span>f natural offsets betw<span class=\"_ _4\"></span>een mor<span class=\"_ _0\"></span>tgages and savings with a similar tenure<span class=\"_ _4\"></span>, interes<span class=\"_ _4\"></span>t rate derivativ<span class=\"_ _4\"></span>es and reserve allocations. Currently in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk is managed separat<span class=\"_ _4\"></span>ely for OSB and CCFS due to the use o<span class=\"_ _4\"></span>f different treasury managemen<span class=\"_ _4\"></span>t and asset and liability management (ALM) syst<span class=\"_ _4\"></span>ems. How<span class=\"_ _4\"></span>ever<span class=\"_ _3\"></span>, the methodology applied to the setting o<span class=\"_ _4\"></span>f risk appetites was aligned acr<span class=\"_ _4\"></span>oss the Group in 2020<span class=\"_ _4\"></span>. Both Banks apply an economic v<span class=\"_ _4\"></span>alue at risk approach as well as an earnings at risk appr<span class=\"_ _4\"></span>oach for int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk and basis risk. The interes<span class=\"_ _4\"></span>t rate sensitivity is impact<span class=\"_ _4\"></span>ed by behavioural assumptions used by the Group; the mos<span class=\"_ _4\"></span>t significant of which are pr<span class=\"_ _4\"></span>epayments and pipeline tak<span class=\"_ _4\"></span>e up. Expected pr<span class=\"_ _4\"></span>epayments are monitor<span class=\"_ _4\"></span>ed and modelled on a regular basis based upon hist<span class=\"_ _4\"></span>orical analysis. The reserve allocation s<span class=\"_ _4\"></span>trategy is appr<span class=\"_ _4\"></span>oved by AL<span class=\"_ _1\"></span>CO and set to re<span class=\"_ _4\"></span>flect the current balance sheet and futur<span class=\"_ _4\"></span>e plans. The earnings at risk ex<span class=\"_ _4\"></span>cludes the EIR accounting impact of lo<span class=\"_ _4\"></span>wer base rat<span class=\"_ _4\"></span>es in rever<span class=\"_ _4\"></span>sion that is shown as a separ<span class=\"_ _4\"></span>ate sensitivity in note 2: Judgements in applying accounting policies and critic<span class=\"_ _4\"></span>al accounting estimates<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs645\">Economic value at risk is measur<span class=\"_ _4\"></span>ed using the impact of six different int<span class=\"_ _4\"></span>ernally derived inter<span class=\"_ _4\"></span>est </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs646\">rate scenarios<span class=\"_ _4\"></span>. The internal scenarios are de<span class=\"_ _4\"></span>fined by AL<span class=\"_ _4\"></span>CO and are based on three \u2018<span class=\"_ _1\"></span>shapes<span class=\"_ _1\"></span>\u2019 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs647\">of curve mov<span class=\"_ _4\"></span>ement (shift, twist and flex). His<span class=\"_ _4\"></span>torical data is used to c<span class=\"_ _4\"></span>alibrate the sev<span class=\"_ _4\"></span>erity of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs648\">scenarios to the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s risk appetite. The Board has set limit<span class=\"_ _4\"></span>s on interes<span class=\"_ _4\"></span>t rate risk exposur<span class=\"_ _4\"></span>e of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs649\">2.25% and 1% of CET1 f<span class=\"_ _4\"></span>or OSB and CCFS<span class=\"_ _4\"></span>, respectively. The table belo<span class=\"_ _4\"></span>w shows the maximum </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs64a\">decreases to net in<span class=\"_ _4\"></span>terest income under these scenarios after taking in<span class=\"_ _4\"></span>to account the derivatives:<span class=\"_ _311\"> </span></div><div class=\"gs64b\"><table class=\"s w16e hb4\" id=\"_27232c87-e5a9-4abe-9583-52532ba460ec\"><tr><td></td><td class=\"t m0 x296 h2e y4802 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4802 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4803 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4803 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xf86 y431a w94b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf87 y431b w2fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n xf88 y4321 w94c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf89 y426b w902 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf8a y431e w4a1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x27e y426d w94d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs64c\"><table class=\"s w94a h107\" id=\"_1318ce2c-e78e-4887-bd0f-fca985041d1f\"><tr><td class=\"t m0 xf85 h16 y4801 ff4 fs3 fc5 sc0 ls1 ws0\">Exposure for e<span class=\"_ _4\"></span>arnings at risk as at 31 December 2023 is measured by the impact of a +/-<span class=\"_ _311\"> </span></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs64d\">100bps parallel shift in inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>es on the expected pro<span class=\"_ _4\"></span>fitability of the Group in the next 12 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs64e\">months<span class=\"_ _4\"></span>. The risk appetite limit is 4% of full year net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>. The table below sho<span class=\"_ _4\"></span>ws the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs64f\">maximum decreases after taking int<span class=\"_ _4\"></span>o account the derivatives:<span class=\"_ _311\"> </span></div><div class=\"gs650\"><table class=\"s w16e hc8\" id=\"_7df64b02-e673-4fea-9391-db6aa5a7a244\"><tr><td></td><td class=\"t m0 x296 h2e y4804 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4804 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4805 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4805 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8b y4334 w94e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">6.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8c y4268 w4ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8d y4321 w7f8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8e y426b w587 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf8f y431e w48d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2f y426d w94f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs651\">Exposure for e<span class=\"_ _4\"></span>arnings at risk measured by the impact of a +/-100bps par<span class=\"_ _4\"></span>allel shift in interes<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs652\">rates on the e<span class=\"_ _4\"></span>xpected profit<span class=\"_ _4\"></span>ability of the Group in the next 3 year<span class=\"_ _4\"></span>s. The risk appetite limit is 4% </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs653\">of full year net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"gs654\"><table class=\"s w16e h108\" id=\"_8864069e-bfb4-44eb-a842-54a21cf6a584\"><tr><td></td><td class=\"t m0 x296 h2e y4806 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4806 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4807 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4807 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y439e w950 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9b ws9a\">24.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf90 y431b w951 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y439f w170 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9b ws9a\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf91 y431d w952 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ac y426c w4bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">50.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x59c y426d w953 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">50.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs655\">The Group is also expose<span class=\"_ _4\"></span>d to basis risk. Basis risk is the risk of loss from an adv<span class=\"_ _4\"></span>erse </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs656\">diver<span class=\"_ _4\"></span>gence in interes<span class=\"_ _4\"></span>t rates<span class=\"_ _4\"></span>. It arises where assets and liabilities reprice from differen<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs657\">variable r<span class=\"_ _4\"></span>ate indices. These indices may be mark<span class=\"_ _4\"></span>et rates (<span class=\"_ _4\"></span>e.g. bank base r<span class=\"_ _4\"></span>ate or SONIA) or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs658\">administ<span class=\"_ _4\"></span>ered (e<span class=\"_ _4\"></span>.g. the Group\u2019<span class=\"_ _3\"></span>s SVR, other discretionary v<span class=\"_ _4\"></span>ariable rates<span class=\"_ _4\"></span>, or that received on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs659\">call accounts with other bank<span class=\"_ _1\"></span>s).<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs65a\">The Group measures basis risk using the impac<span class=\"_ _4\"></span>t of four scenarios on net inter<span class=\"_ _4\"></span>est income ov<span class=\"_ _4\"></span>er a<span class=\"_ _0\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs65b\">one-year period including mov<span class=\"_ _4\"></span>ements such as div<span class=\"_ _4\"></span>erging base, o<span class=\"_ _4\"></span>vernight and term SONIA r<span class=\"_ _4\"></span>ates. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs65c\">Hist<span class=\"_ _4\"></span>orical data is used to calibrat<span class=\"_ _4\"></span>e the severity of the scenarios t<span class=\"_ _4\"></span>o the Group\u2019<span class=\"_ _1\"></span>s risk appetite<span class=\"_ _4\"></span>. The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs65d\">Board has set a limit on basis risk e<span class=\"_ _4\"></span>xposure of 2.<span class=\"_ _4\"></span>5% of full year net interes<span class=\"_ _4\"></span>t income. The table </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls42 ws0 gs65e\">below sho<span class=\"_ _4\"></span>ws the maximum decreases to net in<span class=\"_ _4\"></span>terest income at 31 December 202<span class=\"_ _4\"></span>3 and 2022:<span class=\"_ _311\"> </span></div><div class=\"gs65f\"><table class=\"s w259 hc8\" id=\"_b79423a2-5086-408c-8a13-6f7b17624096\"><tr><td></td><td class=\"t m0 x288 h2e y4808 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4808 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4809 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4809 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w54 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xf92 y4334 w954 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c9 y4268 w48a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n xf93 y4321 w2da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf94 y426b w955 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x879 y431e w749 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf95 y426d w5ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs660\">Foreig<span class=\"_ _0\"></span>n e<span class=\"_ _4\"></span>xcha<span class=\"_ _0\"></span>nge rate risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs661\">The Group has limited e<span class=\"_ _4\"></span>xposure to foreign e<span class=\"_ _4\"></span>xchange risk in respect of it<span class=\"_ _4\"></span>s Indian operations. A </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs662\">5% increase in e<span class=\"_ _4\"></span>xchange rates w<span class=\"_ _4\"></span>ould result in a \u00a30<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>9m (2022: \u00a3<span class=\"_ _4\"></span>0.<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>m) ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect in profit or loss and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs663\">\u00a30<span class=\"_ _4\"></span>.6m (2022: \u00a30<span class=\"_ _1\"></span>.5m) in equity.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa1 wsa8 gs664\">Structur<span class=\"_ _0\"></span>ed entities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs665\">The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>023 were Cant<span class=\"_ _4\"></span>erbury </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs666\">Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs667\">Finance No.<span class=\"_ _4\"></span>5 plc, CMF 202<span class=\"_ _4\"></span>0-1 plc, CMF 2023-<span class=\"_ _4\"></span>1 plc and Keys W<span class=\"_ _1\"></span>arehouse No.<span class=\"_ _1\"></span>1 Limited. These </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs668\">entities hold legal title to a pool o<span class=\"_ _4\"></span>f mor<span class=\"_ _0\"></span>tgages which ar<span class=\"_ _4\"></span>e used as a security for issued debt. The </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs669\">transf<span class=\"_ _4\"></span>er of mortgages fails derecognition criteria because the Group r<span class=\"_ _4\"></span>etained the subordinat<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66a\">notes and residual certificates issued and as such did not tr<span class=\"_ _4\"></span>ansfer subst<span class=\"_ _4\"></span>antially the risks and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66b\">re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership o<span class=\"_ _4\"></span>f the securitised mor<span class=\"_ _0\"></span>tgages<span class=\"_ _4\"></span>. Theref<span class=\"_ _4\"></span>ore, the Group is e<span class=\"_ _4\"></span>xposed to credit, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66c\">inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e and other risks on the securitised mortgages. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66d\">Cash flows gener<span class=\"_ _4\"></span>ated from the s<span class=\"_ _4\"></span>tructured entities ar<span class=\"_ _4\"></span>e ring-fenced and are used t<span class=\"_ _4\"></span>o pay interes<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66e\">and principal of the issued debt securities in a w<span class=\"_ _4\"></span>aterfall order according t<span class=\"_ _4\"></span>o the seniority </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs66f\">of the bonds<span class=\"_ _4\"></span>. The structured en<span class=\"_ _4\"></span>tities are self-funded and the Gr<span class=\"_ _4\"></span>oup is not contractually or </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs670\">constructiv<span class=\"_ _4\"></span>ely obliged to pro<span class=\"_ _4\"></span>vide fur<span class=\"_ _0\"></span>ther liquidity or financial support. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs671\">The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>022 were Cant<span class=\"_ _4\"></span>erbury </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs672\">Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs673\">Finance No.<span class=\"_ _4\"></span>5 plc and CMF 2020-1 plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div>Unc<span class=\"_ _0\"></span>onsolidat<span class=\"_ _0\"></span>ed struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _311\"> </span>Structured en<span class=\"_ _4\"></span>tities, which w<span class=\"_ _4\"></span>ere sponsored by the Group include Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>tgage Funding 2017<span class=\"_ _1\"></span>-1B plc, Charter Mortgage Funding 2017<span class=\"_ _1\"></span>-1 plc, Precise Mortgage Funding 2018-<span class=\"_ _4\"></span>1B plc, Charter Mortgage Funding 2018-1 plc, Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage Funding 2019-1B plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _1\"></span>1 plc and Precise Mortgage Funding 2020-1B plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>These structur<span class=\"_ _4\"></span>ed entities are not consolidated by the Gr<span class=\"_ _4\"></span>oup, as the Group does not control the entities and is not expose<span class=\"_ _4\"></span>d to the risks and r<span class=\"_ _4\"></span>ewar<span class=\"_ _4\"></span>ds of owner<span class=\"_ _4\"></span>ship from the securitised mortgages. The Group has no con<span class=\"_ _4\"></span>tractual arrangemen<span class=\"_ _4\"></span>ts with the unconsolidated structur<span class=\"_ _4\"></span>ed entities other than the inv<span class=\"_ _4\"></span>estment<span class=\"_ _4\"></span>s disclosed in note 16 and servicing the structured en<span class=\"_ _4\"></span>tities<span class=\"_ _4\"></span>\u2019 mortgage portfolios. The Group has not pro<span class=\"_ _4\"></span>vided any support to the unconsolidated structur<span class=\"_ _4\"></span>ed entities liste<span class=\"_ _4\"></span>d and has no obligation or inten<span class=\"_ _4\"></span>tion to do so.<span class=\"_ _311\"> </span>During 2023 the Group r<span class=\"_ _4\"></span>eceived \u00a35.<span class=\"_ _4\"></span>3m interes<span class=\"_ _4\"></span>t income (2022: \u00a32.6m) and \u00a32.6m servicing income (2022: \u00a34<span class=\"_ _1\"></span>.3m) from unconsolidated s<span class=\"_ _4\"></span>tructured entities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-492": {
   "value": "Credit risk<span class=\"_ _311\"> </span>Credit risk is the risk that losses may arise as a result o<span class=\"_ _4\"></span>f the Group\u2019<span class=\"_ _3\"></span>s borrow<span class=\"_ _4\"></span>ers or mark<span class=\"_ _4\"></span>et counterparties failing to meet their obligations to r<span class=\"_ _4\"></span>epay.<span class=\"_ _311\"> </span>The Group has adopted the S<span class=\"_ _4\"></span>tandardised Appro<span class=\"_ _4\"></span>ach for assessment of credit risk r<span class=\"_ _4\"></span>egulatory capital re<span class=\"_ _4\"></span>quirements<span class=\"_ _4\"></span>. This approach considers risk w<span class=\"_ _4\"></span>eightings as defined under Basel II and Basel III principles.<span class=\"_ _311\"> </span>The classes of financial ins<span class=\"_ _4\"></span>truments to which the Group is mos<span class=\"_ _4\"></span>t exposed are loans and adv<span class=\"_ _4\"></span>ances to cus<span class=\"_ _4\"></span>tomers, lo<span class=\"_ _4\"></span>ans and advances to credit ins<span class=\"_ _4\"></span>titutions, cash in the BoE call account, call and current accoun<span class=\"_ _4\"></span>ts with other credit institutions and in<span class=\"_ _4\"></span>ves<span class=\"_ _4\"></span>tment securities. The maximum cre<span class=\"_ _4\"></span>dit risk exposure e<span class=\"_ _4\"></span>quals the total carrying amount of the abo<span class=\"_ _4\"></span>ve categories plus o<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>f-balance sheet undra<span class=\"_ _4\"></span>wn committed mortgage facilities.<span class=\"_ _311\"> </span>The change, during the period and cumulativ<span class=\"_ _4\"></span>ely, in the fair value of in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>ts in debt securities and loans and advances to cus<span class=\"_ _4\"></span>tomers at FV<span class=\"_ _4\"></span>OCI and FV<span class=\"_ _0\"></span>TPL that is attribut<span class=\"_ _4\"></span>able to changes in credit risk is not material.<span class=\"_ _311\"> </span>Cred<span class=\"_ _0\"></span>it risk \u2013 loans and a<span class=\"_ _0\"></span>dvances to cu<span class=\"_ _0\"></span>stomers<span class=\"_ _311\"> </span>Credit risk associated with mortgage lending is lar<span class=\"_ _4\"></span>gely driven by the housing mark<span class=\"_ _4\"></span>et and lev<span class=\"_ _4\"></span>el of unemployment. A recession and/<span class=\"_ _3\"></span>or high interes<span class=\"_ _4\"></span>t rates could cause pr<span class=\"_ _4\"></span>essure within the mark<span class=\"_ _4\"></span>et, resulting in rising lev<span class=\"_ _4\"></span>els of arrear<span class=\"_ _4\"></span>s and repossessions.<span class=\"_ _311\"> </span>All loan applications are assessed with r<span class=\"_ _4\"></span>eference to the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s Lending Policy. Changes to<span class=\"_ _4\"></span> the policy are appro<span class=\"_ _4\"></span>ved by the Group Risk Committee<span class=\"_ _4\"></span>, with mandates set for the appro<span class=\"_ _4\"></span>val <span class=\"ls1\"> </span>of loan applications<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group Credit Committ<span class=\"_ _4\"></span>ee and AL<span class=\"_ _4\"></span>CO regularly monitor lending activity, taking appr<span class=\"_ _4\"></span>opriate actions to reprice pr<span class=\"_ _4\"></span>oducts and adjust lending criteria in or<span class=\"_ _4\"></span>der to control risk and manage exposure<span class=\"_ _4\"></span>. Where necessary and appropriate<span class=\"_ _4\"></span>, changes to the Lending Policy ar<span class=\"_ _4\"></span>e recommended to the Group Risk Committee<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables show the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s maximum exposure to cre<span class=\"_ _4\"></span>dit risk and the impact of collateral held as security, cappe<span class=\"_ _4\"></span>d at the gross exposure amoun<span class=\"_ _4\"></span>t, by impairment stage<span class=\"_ _4\"></span>. Capped collater<span class=\"_ _4\"></span>al excludes the impact of f<span class=\"_ _4\"></span>orced sale discounts and cos<span class=\"_ _4\"></span>ts to sell. The collateral value is determined by inde<span class=\"_ _4\"></span>xing against House Price Index dat<span class=\"_ _4\"></span>a.<span class=\"_ _311\"> </span><table class=\"s w69a hf2\" id=\"_eb1ae300-f224-4b26-b659-c17c2e5c9415\"><tr><td></td><td></td><td></td><td class=\"t m0 x920 h2e y4663 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c n xadb y4664 w69b hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xadc y4664 w69c hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls17 ws134\">CC<span class=\"_ _0\"></span>FS<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xadd y4664 w69d hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xade h2e y4665 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 x71e h2e y4666 ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td><td class=\"t m0 xadf h2e y4667 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xae0 h2e y4668 ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x9ed h2e y4669 ff1 fs16 fc6 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xae1 h2e y466a ff1 fs16 fc6 sc0 ls1 ws0\">Capped </td></tr><tr><td></td><td class=\"t m0 xae2 h2e y466b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x87d h2e y466c ff1 fs16 fc6 sc0 ls1 ws0\">collateral </td><td class=\"t m0 xae3 h2e y466d ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x692 h2e y466e ff1 fs16 fc6 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xae4 h2e y466f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td><td class=\"t m0 xae5 h2e y4670 ff1 fs16 fc6 sc0 ls1 ws0\">collateral  </td></tr><tr><td></td><td class=\"t m0 xae6 h2e y4671 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td><td class=\"t m0 x7e5 h2e y4672 ff1 fs16 fc6 sc0 ls1 ws0\"> held<span class=\"_ _311\"> </span></td><td class=\"t m0 xae7 h2e y4673 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x300 h2e y4674 ff1 fs16 fc6 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x418 h2e y4675 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xae8 h2e y4676 ff1 fs16 fc6 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y4677 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xae9 h2e y4678 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x724 h2e y4679 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x725 h2e y467a ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y467b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y467c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaea y4393 w69e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>263<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaeb y4393 w69f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>22<span class=\"_ _0\"></span>8.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xaec y4393 w6a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaed y4393 w41b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _1\"></span>,313<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaee y4393 w6a1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,57<span class=\"_ _1\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaef y4393 w6a2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">20,5<span class=\"_ _0\"></span>42.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf0 y4267 w6a3 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,718.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf1 y4267 w6a4 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"> </span>,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf2 y4267 w6a5 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf3 y4267 w6a6 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1,818<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf4 y4267 w6a7 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf5 y4267 w6a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">4,535.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w3df ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf6 y4269 w6a9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4<span class=\"_ _0\"></span>94.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf7 y4269 w6aa ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">488.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf8 y4269 w6ab ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xaf9 y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xafa y4269 w6ac ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">711.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xafb y4269 w4f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">706.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w6ad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n xafc y426a w6ae ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xafd y426a w6af ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">33.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xafe y426a w3e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xaff y426a w6b0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb00 y426a w3e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">70<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb01 y426a w6b1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">70<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xb02 y426c w6b2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb03 y426c w6b3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">14,46<span class=\"_ _4\"></span>7<span class=\"_ _1\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb04 y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb05 y426c w6b4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>,<span class=\"_ _33\"> </span>3<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb06 y426c w17a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb07 y426c w6b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">25<span class=\"_ _0\"></span>,854.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w67f hf0\" id=\"_400b08e7-d609-4424-bc31-95670a7a853b\"><tr><td></td><td></td><td></td><td class=\"t m0 xaad h2b y4649 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c n xaae y464a w492 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaaf y464a w680 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xab0 y464a w579 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>ta<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xab1 h2b y464b ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xab2 h2b y464c ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x539 h2b y464d ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 xab3 h2b y464e ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td><td class=\"t m0 x805 h2b y464f ff2 fs16 fc5 sc0 ls1 ws0\">Gross </td><td class=\"t m0 x537 h2b y4650 ff2 fs16 fc5 sc0 ls1 ws0\">Capped </td></tr><tr><td></td><td class=\"t m0 xab4 h2b y4651 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 xab5 h2b y4652 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xab6 h2b y4653 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x7fe h2b y4654 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td><td class=\"t m0 xab7 h2b y4655 ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td><td class=\"t m0 x535 h2b y4656 ff2 fs16 fc5 sc0 ls1 ws0\">collateral  </td></tr><tr><td></td><td class=\"t m0 xab8 h2b y4657 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xab9 h2b y4658 ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x803 h2b y4659 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2b y465a ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td><td class=\"t m0 x4a4 h2b y465b ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xabb h2b y465c ff2 fs16 fc5 sc0 ls1 ws0\">held<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xabc h2b y465d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xabd h2b y465e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2b y465f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8bf h2b y4660 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4661 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4662 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w3d1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></div></td><td class=\"c n xabe y4264 w681 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10,3<span class=\"_ _0\"></span>46.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xabf y4264 w682 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">10,3<span class=\"_ _0\"></span>20.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac0 y4264 w683 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">8<span class=\"_ _0\"></span>,375<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xac1 y4264 w684 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac2 y4264 w685 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">18,<span class=\"_ _0\"></span>722.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xac3 y4264 w686 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>8,6<span class=\"_ _0\"></span>94.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w3d8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></div></td><td class=\"c n xac4 y4266 w687 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xac5 y4266 w688 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,508<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xac6 y4266 w3dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xac7 y4266 w689 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x4f6 y4266 w4c3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xac8 y4266 w68a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">4<span class=\"_ _0\"></span>,41<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w3df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></div></td><td class=\"c n xac9 y431b w68b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xaca y431b w68c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xacb y431b w68d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xacc y431b w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">156<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xacd y431b w68f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">505<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xace y431b w690 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">47<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w3e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Stage 3 (POCI)<span class=\"_ _311\"> </span></div></td><td class=\"c n xacf y426b w691 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad0 y426b w692 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad1 y426b w693 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xad2 y426b w436 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xad3 y426b w486 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">83<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xad4 y426b w694 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xad5 y426d w695 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13,<span class=\"_ _0\"></span>244.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xad6 y426d w696 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,18<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xad7 y426d w3ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xad8 y426d w697 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>0,<span class=\"_ _1\"></span>4<span class=\"_ _0\"></span>81.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xad9 y426d w698 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xada y426d w699 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr></table>The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s main form of collater<span class=\"_ _4\"></span>al held is property, based in the UK and the Channel Islands.<span class=\"_ _311\"> </span>The Group uses index<span class=\"_ _4\"></span>ed loan to value (L<span class=\"_ _3\"></span>T<span class=\"_ _0\"></span>V) ratios to assess the quality of the uncapped collateral held. Pr<span class=\"_ _4\"></span>oper<span class=\"_ _0\"></span>ty v<span class=\"_ _4\"></span>alues are updated to re<span class=\"_ _4\"></span>flect changes in the HPI. A break<span class=\"_ _4\"></span>down of loans and advances to cus<span class=\"_ _4\"></span>tomers by inde<span class=\"_ _4\"></span>xed L<span class=\"_ _1\"></span>TV is as follows:<span class=\"_ _311\"> </span><table class=\"s w642 hef\" id=\"_5960fcc7-726e-49ef-8391-187f1e77e9c5\"><tr><td></td><td></td><td class=\"c n xa64 y4637 w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xa65 y4637 w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xa66 h2e y4638 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x66f h2e y4638 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x670 h2e y4638 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 xa67 h2b y4638 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xa68 h2b y4638 ff2 fs16 fc5 sc0 ls1 ws0\" colspan=\"2\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xa69 h2b y4638 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xa6a h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa6b h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa6c h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c1 h2e y4639 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 x804 h2b y4639 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x661 h2b y4639 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td></td><td class=\"c n xa6d y463a w375 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xa6e y463a w643 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y463b ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _19a\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _57\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y463c w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa6f y463d w645 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">2<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa70 y463d w646 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _4\"></span>105.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa71 y463d w647 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">3,560.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa72 y463d w648 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">14<span class=\"_ _311\"> </span></div></td><td class=\"c n xa73 y463c w3c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls113 ws11f\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa74 y463c w649 ha8\" colspan=\"2\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _0\"></span>14<span class=\"_ _4\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa75 y463c w64a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,68<span class=\"_ _0\"></span>3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa76 y463c w65 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y463e w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa77 y463f w64c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">2<span class=\"_ _0\"></span>,275.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x67f y463f w64d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa78 y463f w64e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">3<span class=\"_ _0\"></span>,730<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xa79 y463f w648 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">14<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7a y463e w64f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">2,7<span class=\"_ _0\"></span>70.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7b y463e w650 ha8\" colspan=\"2\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,361.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7c y463e w651 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">4<span class=\"_ _0\"></span>,13<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7d y463e w69 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y436b w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7e y4640 w653 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">4<span class=\"_ _0\"></span>,414<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa7f y4640 w654 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">3,<span class=\"_ _0\"></span>244.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa80 y4640 w655 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xa81 y4640 w264 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n xa82 y436b w656 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa83 y436b w657 ha8\" colspan=\"2\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>561<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa84 y436b w658 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">8<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x58a y436b w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">35<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4641 w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa85 y4642 w65a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">3,822<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa86 y4642 w65b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsff ws39\">5,000.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa87 y4642 w65c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8,823.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa88 y4642 w65d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">34<span class=\"_ _311\"> </span></div></td><td class=\"c n xa89 y4641 w65e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">2,1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8a y4641 w33b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8b y4641 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8c y4641 w65f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">6,4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8d y4641 w660 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4643 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8e y4644 w662 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5e ws62\">1<span class=\"_ _0\"></span>,045.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xa8f y4644 w663 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">573.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xa90 y4644 w664 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>,6<span class=\"_ _0\"></span>18<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa91 y4644 w665 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td><td class=\"c n xa92 y4643 w666 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">548.3<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xa93 y4643 w667 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">365<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa94 y4643 w668 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">913.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa95 y4643 w12 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4645 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa96 y4646 w66a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">222<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xa97 y4646 w66b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa98 y4646 w66c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>30.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa99 y4646 w66d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9a y4645 w66e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">181.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x4c3 y4645 w1f4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9b y4645 w66f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">183.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9c y4645 w670 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4537 w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9d y4538 w3bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">274.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9e y4538 w266 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa9f y4538 w672 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">275.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa0 y4538 w673 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa1 y4537 w674 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaa2 y4537 w675 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa3 y4537 w676 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">178<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa4 y4537 w677 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4647 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y426c w678 haa\"><div class=\"t m0 x253 hc y4648 ff1 fs3 fc5 sc0 ls1 ws0\">before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa5 y426c w679 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsfb ws102\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa6 y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa7 y426c w17b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa8 y426c w67b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xaa9 y426d w67c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13,244.7<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xaaa y426d w3ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xaab y426d w67d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xaac y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table>The table belo<span class=\"_ _4\"></span>w shows the L<span class=\"_ _1\"></span>TV banding for the OSB segments<span class=\"_ _1\"></span>\u2019 two ma<span class=\"_ _4\"></span>jor lending streams: <table class=\"s w718 hef\" id=\"_a978f8fc-922c-4ba0-8248-f097dd8ca4d2\"><tr><td></td><td></td><td class=\"c n x9aa y46af w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x9ab y46af w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb90 h2e y46b0 ff1 fs16 fc6 sc0 ls1 ws0\">BTL/SME<span class=\"_ _311\"> </span></td><td class=\"t m0 xb91 h2e y46b0 ff1 fs16 fc6 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 x7da h2e y46b0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td></td><td></td><td class=\"t m0 xb92 h2b y46b0 ff2 fs16 fc5 sc0 ls1 ws0\">BTL/SME<span class=\"_ _311\"> </span></td><td class=\"t m0 x693 h2b y46b0 ff2 fs16 fc5 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 xb93 h2b y46b0 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2b y46b1 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xae2 h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x87d h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74c h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x71c h2e y46b2 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 x696 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb94 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb95 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb96 h2b y46b2 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y46b3 ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _19a\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _57\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y463c w644 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb97 y46b4 w719 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>78<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb98 y46b4 w71a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb99 y46b4 w645 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">2<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9a y46b4 w71b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">17<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb9b y463c w71c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls74 ws7a\">1,30<span class=\"_ _0\"></span>1.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n x610 y463c w3ab ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9c y463c w71d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls113 ws11f\">2<span class=\"_ _0\"></span>,76<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9d y463c w71e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">21<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y463e w64b ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9e y46b5 w71f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb9f y46b5 w720 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">248.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xba0 y46b5 w721 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">2,<span class=\"_ _0\"></span>275<span class=\"_ _4\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xba1 y46b5 w722 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">16<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xba2 y463e w723 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xba3 y463e w724 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">273.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x72e y463e w725 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">2,7<span class=\"_ _0\"></span>70.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xba4 y463e w71e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">21<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y436b w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xba5 y436a w167 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">4,<span class=\"_ _1\"></span>181.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xba6 y436a w6c5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">233<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xba7 y436a w726 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">4<span class=\"_ _0\"></span>,414<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xba8 y436a w459 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">30<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xba9 y436b w727 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>86.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbaa y436b w6c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">261<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbab y436b w728 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbac y436b w729 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">36<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4641 w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbad y46b6 w72a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">3,616.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbae y46b6 w72b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">205.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbaf y46b6 w65a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,822<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb0 y46b6 wbc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">26<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb1 y4641 w72c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb2 y4641 w72d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb3 y4641 w581 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">173<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb4 y4641 w72e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls64 ws68\">2<span class=\"_ _0\"></span>,15<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb5 y4641 w65 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4643 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb6 y46b7 w72f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">8<span class=\"_ _0\"></span>26.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb7 y46b7 w6cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb8 y46b7 w730 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">1,0<span class=\"_ _0\"></span>45.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbb9 y46b7 w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbba y4643 w732 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">41<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x666 y4643 w5f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">13<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbb y4643 w18c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">548.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbc y4643 w12 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4645 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbd y46b8 w49b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">174.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbe y46b8 w63f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbbf y46b8 w733 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">222.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc0 y46b8 w734 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbc1 y4645 w6f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc2 y4645 w735 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc3 y4645 w66e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">181.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc4 y4645 w736 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4537 w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc5 y454c w712 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc6 y454c w59a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc7 y454c w3bc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">274.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xbc8 y454c w737 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbc9 y4537 w738 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>72<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbca y4537 w21f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcb y4537 w739 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcc y4537 w677 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46b9 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y431e w678 haa\"><div class=\"t m0 x253 hc y46ba ff1 fs3 fc5 sc0 ls1 ws0\">before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcd y431e w717 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>75<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xbce y431e w73a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls77 ws7d\">2,334.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xbcf y431e w73b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd0 y431e w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xbd1 y426d w73d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10,920.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd2 y426d w73e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2,<span class=\"_ _0\"></span>32<span class=\"_ _0\"></span>4.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd3 y426d w73f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13,<span class=\"_ _0\"></span>244.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd4 y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table>The tables belo<span class=\"_ _4\"></span>w show the L<span class=\"_ _1\"></span>TV analysis of the OSB BTL/SME sub-segmen<span class=\"_ _4\"></span>t:<span class=\"_ _311\"> </span><table class=\"s w4c5 hf5\" id=\"_2589157e-e259-409f-982b-57f80dcf9da2\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2e y46a2 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x7de h2e y46a3 ff1 fs16 fc6 sc0 ls1 ws0\">Residential </td><td class=\"t m0 xb67 h2e y46a4 ff1 fs16 fc6 sc0 ls1 ws0\">Funding  </td><td></td></tr><tr><td></td><td class=\"t m0 x694 h2e y46a5 ff1 fs16 fc6 sc0 ls1 ws0\">Buy-to-Let<span class=\"_ _311\"> </span></td><td class=\"t m0 xb68 h2e y46a5 ff1 fs16 fc6 sc0 ls1 ws0\">Commercial<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d7 h2e y46a6 ff1 fs16 fc6 sc0 ls1 ws0\">dev<span class=\"_ _4\"></span>elopment<span class=\"_ _311\"> </span></td><td class=\"t m0 x838 h2e y46a7 ff1 fs16 fc6 sc0 ls1 ws0\">lines<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2e y46a7 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2e y46a8 ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x87e h2e y46a8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y46a8 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y46a9 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y46aa ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y46aa ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y46ab ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _f9\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46ac w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb69 y438f w6fb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">9<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>8.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6a y438f w6fc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">9<span class=\"_ _0\"></span>3.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6b y438f w6fd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">8.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6c y438f w326 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6d y438f w6fe ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>07<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ad w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6e y4391 w6ff ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>,<span class=\"_ _2\"> </span>8<span class=\"_ _33\"> </span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6f y4391 w700 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb70 y4391 w701 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb71 y4391 w702 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">2<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb72 y4391 w703 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y461c w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb73 y432f w704 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">3,<span class=\"_ _0\"></span>800.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb74 y432f w705 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">169<span class=\"_ _4\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb75 y432f w706 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">210.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb76 y432f w707 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb77 y432f w708 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">4,<span class=\"_ _4\"></span>181.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y461d w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb78 y4264 w709 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">3,<span class=\"_ _0\"></span>271.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb79 y4264 w16 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">323.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x50c y4264 w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7a y4264 w70a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">21<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7b y4264 w70b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">3,61<span class=\"_ _4\"></span>6.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y445a w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7c y4266 w70c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>96.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7d y4266 w70d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">230.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7e y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb7f y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb80 y4266 w70e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">826.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ae w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb81 y431b w357 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">68.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb82 y431b w70f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb83 y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb84 y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb85 y431b w49b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">174.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb86 y426b w710 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">202.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb87 y426b w711 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">66<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb88 y426b w3b0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb89 y426b w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8a y426b w712 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>70<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w6f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans before provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8b y426d w713 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10,7<span class=\"_ _4\"></span>64.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8c y426d w714 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">1,095.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8d y426d w715 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>80.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8e y426d w716 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb8f y426d w717 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,17<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr></table>OSB<span class=\"_ _311\"> </span><table class=\"s w6dc hf4\" id=\"_37f9ab90-3869-4b70-b8ba-0193f7fdf3ac\"><tr><td></td><td></td><td></td><td class=\"t m0 x855 h2b y4691 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x7fe h2b y4692 ff2 fs16 fc5 sc0 ls1 ws0\">Residential </td><td class=\"t m0 x426 h2b y4693 ff2 fs16 fc5 sc0 ls1 ws0\">Funding </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xb3c h2b y4694 ff2 fs16 fc5 sc0 ls1 ws0\">Buy-to-Let<span class=\"_ _311\"> </span></td><td class=\"t m0 xb3d h2b y4694 ff2 fs16 fc5 sc0 ls1 ws0\">Commercial<span class=\"_ _311\"> </span></td><td class=\"t m0 xb3e h2b y4695 ff2 fs16 fc5 sc0 ls1 ws0\">developmen<span class=\"_ _4\"></span>t</td><td class=\"t m0 x66e h2b y4696 ff2 fs16 fc5 sc0 ls1 ws0\"> lines<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 x289 h2b y4696 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x66b h2b y4697 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x428 h2b y4697 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y4698 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y4699 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 x28b h2b y4699 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y469a ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y469b w644 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb3f y469b w6dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb40 y469b w603 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">114.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x575 y469b w6de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">16<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb41 y469b w1fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">33<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb42 y469b w6df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>301.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469c w64b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb43 y469c w6e0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>,3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb44 y469c w6e1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">112.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb45 y469c w6e2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb46 y469c w6e3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb47 y469c w6d9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469d w652 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb48 y469d w6e4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">4,111.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb49 y469d w6e5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4a y469d w480 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">11<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4b y469d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb4c y469d w6e6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _0\"></span>38<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469e w659 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4d y469e w6e7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>741.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4e y469e w6e8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">235.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb4f y469e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb50 y469e w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb51 y469e w6e9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb52 y469e w6ea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y469f w661 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb53 y469f w6eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">23<span class=\"_ _0\"></span>2.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb54 y469f w6ec ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5a ws5e\">151<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb55 y469f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb56 y469f w6ed ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">33.7<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb57 y469f w6ee ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">41<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46a0 w669 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb58 y46a0 w6ef ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7<span class=\"_ _2\"> </span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb59 y46a0 w6f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">63<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5a y46a0 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5b y46a0 w481 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb5c y46a0 w6f1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46a1 w671 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5d y46a1 w6f2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">130.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5e y46a1 w6f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb5f y46a1 w1da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb60 y46a1 w6f4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">3<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb61 y46a1 w6f5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">17<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w6f6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans before provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xb62 y426d w6f7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb63 y426d w339 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">88<span class=\"_ _0\"></span>1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb64 y426d w6f8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">184.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb65 y426d w6f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xb66 y426d w6fa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10,920.0<span class=\"_ _311\"> </span></div></td></tr></table>The tables belo<span class=\"_ _4\"></span>w show the L<span class=\"_ _1\"></span>TV analysis of the OSB Residential sub-segmen<span class=\"_ _4\"></span>t:<span class=\"_ _311\"> </span><table class=\"s w6b6 hf3\" id=\"_f0161297-5948-4384-900f-f6ab3109c099\"><tr><td></td><td></td><td class=\"c n x960 y467d w24f hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n x961 y467d w250 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td></tr><tr><td></td><td class=\"t m0 xb08 h2e y467e ff1 fs16 fc6 sc0 ls1 ws0\">First  </td><td class=\"t m0 x7b2 h2e y467f ff1 fs16 fc6 sc0 ls1 ws0\">Second </td><td></td><td class=\"t m0 x8bf h2b y4680 ff2 fs16 fc5 sc0 ls1 ws0\">First  </td><td class=\"t m0 x28a h2b y4681 ff2 fs16 fc5 sc0 ls1 ws0\">Second </td><td></td></tr><tr><td></td><td class=\"t m0 xb09 h2e y4682 ff1 fs16 fc6 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 xb0a h2e y4683 ff1 fs16 fc6 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 x964 h2e y4683 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 xb0b h2b y4684 ff2 fs16 fc5 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2b y4685 ff2 fs16 fc5 sc0 ls1 ws0\">charge<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y4685 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4686 ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x965 h2e y4687 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x966 h2e y4688 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x867 h2e y4688 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y4689 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y468a ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y468a ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y468b ff4 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _244\"> </span><span class=\"ff1\"> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4487 w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0c y4488 w6b7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1,<span class=\"_ _0\"></span>292.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0d y4488 w6b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">84.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0e y4488 w6b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb0f y4487 w6ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb10 y4487 w6bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb11 y4487 w6bc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _33\"> </span>6<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4311 w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb12 y468c w6bd hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb13 y468c w6be hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb14 y468c w6bf hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">248.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb15 y4311 w6c0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb16 y4311 w6c1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb17 y4311 w6c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">273.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4260 w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb18 y4262 w6c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">218.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb19 y4262 w6c4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">14.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1a y4262 w6c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>33.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1b y4260 w6c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1c y4260 w6c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">18.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1d y4260 w6c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">261<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y448b w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1e y468d w6c9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">19<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb1f y468d w55e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb20 y468d w6ca ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">205.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb21 y448b w6cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">168.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb22 y448b w2db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb23 y448b w649 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4318 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb24 y468e w6cc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>18<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb25 y468e wfc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xb26 y468e w6cd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb27 y4318 w6ce ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">128<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb28 y4318 w2dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb29 y4318 w6cf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">13<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4370 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2a y468f w6d0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">46.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2b y468f w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2c y468f w6d1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2d y4370 w6d2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2e y4370 w675 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2f y4370 w6d3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">14.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y451f w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xb30 y4690 wbd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb31 y4690 w6d4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb32 y4690 w6d5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xb33 y451f w313 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb34 y451f w589 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb35 y451f w6d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y426c w6d7 haa\"><div class=\"t m0 x253 hc y4648 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xb36 y426c w1c1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb37 y426c w1a8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xb38 y426c w6d8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls77 ws7d\">2,334<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xb39 y426d w6d9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2,152.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xb3a y426d w6da ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xb3b y426d w6db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2,<span class=\"_ _0\"></span>32<span class=\"_ _0\"></span>4.7<span class=\"_ _311\"> </span></div></td></tr></table><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5be\">The table belo<span class=\"_ _4\"></span>w shows the L<span class=\"_ _1\"></span>TV analysis of the four CCFS sub-segmen<span class=\"_ _4\"></span>t: </div><div class=\"gs424\"><table class=\"s w76f hf7\" id=\"_54b262fd-5d8d-4c46-8edd-3d2dd53c940e\"><tr><td></td><td></td><td></td><td class=\"t m0 x87c h2e y46dc ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x881 h2e y46dd ff1 fs16 fc6 sc0 ls1 ws0\">Second </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xc08 h2e y46de ff1 fs16 fc6 sc0 ls1 ws0\">charge </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc09 h2e y46df ff1 fs16 fc6 sc0 ls1 ws0\">Buy-to-Let<span class=\"_ _311\"> </span></td><td class=\"t m0 x71e h2e y46df ff1 fs16 fc6 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d6 h2e y46df ff1 fs16 fc6 sc0 ls1 ws0\">Bridging<span class=\"_ _311\"> </span></td><td class=\"t m0 x881 h2e y46e0 ff1 fs16 fc6 sc0 ls1 ws0\">lending<span class=\"_ _311\"> </span></td><td class=\"t m0 x697 h2e y46e0 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2e y46e1 ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xc0a h2e y46e1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x87e h2e y46e1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y46e1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y46e2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y46e2 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb96 h2e y46e2 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y46e3 ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _116\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _67\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46e4 w644 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0b y4487 w770 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">360.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0c y4487 w771 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">57<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0d y4487 w772 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0e y4487 w773 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">33.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc0f y4487 w646 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,<span class=\"_ _4\"></span>105.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc10 y4487 w46a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">10<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e5 w64b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc11 y4311 w774 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc12 y4311 w3ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">527<span class=\"_ _3\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc13 y4311 w775 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">6<span class=\"_ _0\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc14 y4311 w93 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc15 y4311 w776 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc16 y4311 w777 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">13<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e6 w652 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc17 y4260 w778 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">2,365.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc18 y4260 w779 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls72 ws78\">78<span class=\"_ _0\"></span>2.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc19 y4260 w77a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">7<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1a y4260 w51e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1b y4260 w654 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>,244.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1c y4260 w77b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">28<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e7 w659 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1d y448b w647 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">4,098<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1e y448b w77c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">8<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc1f y448b w32f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">43.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc20 y448b w77d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc21 y448b w275 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsff ws39\">5,000<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc22 y448b w251 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">44<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e8 w661 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc23 y4318 w77e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">271.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc24 y4318 w77f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>96.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc25 y4318 w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc26 y4318 w780 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc27 y4318 w781 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">573<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc28 y4318 w782 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46e9 w669 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc29 y4370 w783 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">3.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2a y4370 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2b y4370 w784 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2c y4370 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2d y4370 w785 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">8<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dc y4370 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ea w671 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2e y451f w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2f y451f w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc30 y451f w20f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc31 y451f w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc32 y451f w707 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc33 y451f w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46eb ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426d w786 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">before pro<span class=\"_ _4\"></span>visions<span class=\"_ _311\"> </span></div></td><td class=\"c n xc34 y426d w787 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc35 y426d w788 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc36 y426d w789 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">333.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc37 y426d w78a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">8<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc38 y426d w67a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc39 y426d w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"gs5bf\"><table class=\"s w78b hf8\" id=\"_b3efe090-76f4-4d5d-b4c1-4dba1e59dcfc\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x87c h2b y46ec ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 xc08 h2b y46ed ff2 fs16 fc5 sc0 ls1 ws0\">Second </td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x696 h2b y46ee ff2 fs16 fc5 sc0 ls1 ws0\">charge </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc09 h2b y46ef ff2 fs16 fc5 sc0 ls1 ws0\">Buy\u2013to\u2013Let<span class=\"_ _311\"> </span></td><td class=\"t m0 xc3a h2b y46ef ff2 fs16 fc5 sc0 ls1 ws0\">Residential<span class=\"_ _311\"> </span></td><td class=\"t m0 xc3b h2b y46ef ff2 fs16 fc5 sc0 ls1 ws0\">Bridging<span class=\"_ _311\"> </span></td><td class=\"t m0 xc08 h2b y46f0 ff2 fs16 fc5 sc0 ls1 ws0\">lending<span class=\"_ _311\"> </span></td><td class=\"t m0 x838 h2b y46f0 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x7dd h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d1 h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y46f1 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2b y46f2 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"c n xc3c y46f3 w78c hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xc3d y46f3 w643 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46f4 ff1 fs3 fc5 sc0 ls1 ws0\">Band<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46f5 w644 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">0% \u2013 50%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc3e y46f5 w3ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">308.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc3f y46f5 w78d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">498.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc40 y46f5 w78e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc41 y46f5 w78f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc42 y46f5 w790 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">914.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc43 y46f5 w791 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y425f w64b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">50% \u2013 60%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc44 y425f w792 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc45 y425f w793 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">501.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc46 y425f w794 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc47 y425f w795 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc48 y425f w796 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,361.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc49 y425f w52 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f6 w652 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">60% \u2013 7<span class=\"_ _4\"></span>0%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4a y46f6 w3f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _33\"> </span>8<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4b y46f6 w797 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">924.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4c y46f6 w798 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7d ws84\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4d y46f6 w799 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">24.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4e y46f6 w79a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">3<span class=\"_ _0\"></span>,5<span class=\"_ _0\"></span>61.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4f y46f6 w79b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">34<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f7 w659 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>0% \u2013 80%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc50 y46f7 w79c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">3<span class=\"_ _0\"></span>,61<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc51 y46f7 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc52 y46f7 w78e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc53 y46f7 w79e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc54 y46f7 w79f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _0\"></span>,<span class=\"_ _33\"> </span>2<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc55 y46f7 w7a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f8 w661 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">80% \u2013 90%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc56 y46f8 w7a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc57 y46f8 w7a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">146.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc58 y46f8 wfd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc59 y46f8 w209 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5a y46f8 w7a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">365.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5b y46f8 we ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f9 w669 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">90% \u2013 100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5c y46f9 w1df ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5d y46f9 w195 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5e y46f9 w450 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc5f y46f9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc60 y46f9 w11f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc61 y46f9 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46fa w671 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">&gt;100%<span class=\"_ _311\"> </span></div></td><td class=\"c n xc62 y46fa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc63 y46fa w46 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc64 y46fa w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc65 y46fa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc66 y46fa w1f0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc67 y46fa wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y46fb ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y426c w786 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">before pro<span class=\"_ _4\"></span>visions<span class=\"_ _311\"> </span></div></td><td class=\"c n xc68 y426d w7a4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _2\"> </span>5<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xc69 y426d w7a5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>69<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6a y426d w581 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">149<span class=\"_ _4\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6b y426d w7a6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">114.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6c y426d w7a7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc6d y426d w7a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table></div>Forbe<span class=\"_ _0\"></span>arance measure<span class=\"_ _0\"></span>s undertaken<span class=\"_ _311\"> </span>The Group has a r<span class=\"_ _4\"></span>ange of options available where borro<span class=\"_ _4\"></span>wer<span class=\"_ _4\"></span>s experience financial dif<span class=\"_ _0\"></span>ficulties that impact their ability to service their financial commitments under the loan agreemen<span class=\"_ _4\"></span>t. These options are explaine<span class=\"_ _4\"></span>d in the Risk revie<span class=\"_ _4\"></span>w on page 45 to 66. A summary of the forbear<span class=\"_ _4\"></span>ance measures undertak<span class=\"_ _4\"></span>en during the year is shown belo<span class=\"_ _4\"></span>w.  The balances disclosed reflect the ye<span class=\"_ _4\"></span>ar-end balance of the accounts where a f<span class=\"_ _4\"></span>orbearance measure w<span class=\"_ _4\"></span>as under<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>aken during the ye<span class=\"_ _4\"></span>ar<span class=\"_ _4\"></span>.<table class=\"s w740 hf6\" id=\"_1533b77f-f6c9-4641-8d05-f6e7ae31170d\"><tr><td></td><td class=\"t m0 xb0a h2e y46bb ff1 fs16 fc6 sc0 ls1 ws0\"> Number of </td><td class=\"t m0 xab6 h2e y46bc ff1 fs16 fc6 sc0 ls1 ws0\">At 31 December </td><td class=\"t m0 xbd5 h2b y46bd ff2 fs16 fc5 sc0 ls1 ws0\">Number of </td><td class=\"t m0 x53a h2b y46be ff2 fs16 fc5 sc0 ls1 ws0\">At 31 December </td></tr><tr><td></td><td class=\"t m0 xab9 h2e y46bf ff1 fs16 fc6 sc0 ls1 ws0\">accounts<span class=\"_ _311\"> </span></td><td class=\"t m0 xbd6 h2e y46c0 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xbd7 h2b y46c1 ff2 fs16 fc5 sc0 ls1 ws0\">accounts<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y46c2 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y46c3 ff2 fs16 fc5 sc0 ls1 ws0\">Forbearance type<span class=\"_ _311\"> </span></td><td class=\"t m0 x66b h2e y46c4 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y46c5 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x661 h2b y46c6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y46c7 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y46c8 w741 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est-only switch<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd8 y46c9 w742 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls84 ws55\">3<span class=\"_ _0\"></span>84<span class=\"_ _311\"> </span></div></td><td class=\"c n x812 y46c9 w743 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbd9 y46c8 w744 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">70<span class=\"_ _311\"> </span></div></td><td class=\"c n xbda y46c8 w59b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">12.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ca w745 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e reduction<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdb y46cb w42a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">290<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdc y46cb w746 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">36.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdd y46ca w747 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsa8 ws57\">91<span class=\"_ _311\"> </span></div></td><td class=\"c n xbde y46ca w4ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46cc w748 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>erm extension<span class=\"_ _311\"> </span></div></td><td class=\"c n xbdf y46cd w49c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">164<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe0 y46cd w749 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe1 y46cc w560 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls59 ws46\">53<span class=\"_ _311\"> </span></div></td><td class=\"c n x759 y46cc w548 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ce w74a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Payment def<span class=\"_ _4\"></span>erral<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe2 y46cf w74b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">459<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe3 y46cf w74c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">8<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe4 y46ce w74d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">194<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe5 y46ce w74e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">34.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d0 w74f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">V<span class=\"_ _4\"></span>oluntary-assis<span class=\"_ _4\"></span>ted sale<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe6 y46d1 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe7 y46d1 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe8 y46d0 w2be ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe9 y46d0 w209 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y46d2 ff4 fs3 fc5 sc0 ls1 ws0\">Payment concession  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46d3 w750 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(reduced mon<span class=\"_ _4\"></span>thly payments)<span class=\"_ _311\"> </span></div></td><td class=\"c n xbea y46d4 w751 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">112<span class=\"_ _311\"> </span></div></td><td class=\"c n xbeb y46d4 w752 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbec y46d3 w753 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">55<span class=\"_ _311\"> </span></div></td><td class=\"c n xbed y46d3 w754 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">12.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d5 w755 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Capitalisation of in<span class=\"_ _4\"></span>terest<span class=\"_ _311\"> </span></div></td><td class=\"c n xbee y46d6 w756 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n xbef y46d6 w4a7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf0 y46d5 w757 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">27<span class=\"_ _311\"> </span></div></td><td class=\"c n x4be y46d5 w26a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d7 w758 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Full or partial debt forgiv<span class=\"_ _4\"></span>eness<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf1 y46d8 w759 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls74 ws7a\">126<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf2 y46d8 w75a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf3 y46d7 w75b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">359<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf4 y46d7 w75c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46d9 w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf5 y46d9 w75d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7d ws84\">1,552<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf6 y46d9 w75e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>34.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf7 y46da w75f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">8<span class=\"_ _0\"></span>54<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf8 y46da w760 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h2e y46db ff2 fs16 fc5 sc0 ls1 ws0\">Loan type<span class=\"_ _2c9\"> </span><span class=\"ff1\"> <span class=\"_ _2ca\"> </span> <span class=\"_ _11d\"> </span></span> <span class=\"_ _2ca\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4264 w761 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Firs<span class=\"_ _4\"></span>t charge o<span class=\"_ _4\"></span>wner-occupier<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf9 y4265 w762 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">880<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfa y4265 w763 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">116.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfb y4264 w382 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">2<span class=\"_ _0\"></span>17<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfc y4264 w318 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w764 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Second charge o<span class=\"_ _4\"></span>wner-occupier<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfd y440b w70a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">252<span class=\"_ _311\"> </span></div></td><td class=\"c n xbfe y440b w4a0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xbff y4271 w765 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">4<span class=\"_ _0\"></span>60<span class=\"_ _311\"> </span></div></td><td class=\"c n xc00 y4271 w563 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w766 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Buy-to-L<span class=\"_ _4\"></span>et<span class=\"_ _311\"> </span></div></td><td class=\"c n xc01 y4269 w54e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">279<span class=\"_ _311\"> </span></div></td><td class=\"c n xc02 y4269 w767 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc03 y4268 w768 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls61 ws65\">107<span class=\"_ _311\"> </span></div></td><td class=\"c n xc04 y4268 w769 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w76a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Commercial<span class=\"_ _311\"> </span></div></td><td class=\"c n xc05 y426a w76b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">1<span class=\"_ _0\"></span>41<span class=\"_ _311\"> </span></div></td><td class=\"c n xc06 y426a w76c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc07 y426b w76d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">70<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b8 y426b w76e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w4c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf5 y426c w75d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">1,552<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf6 y426c w75e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">2<span class=\"_ _0\"></span>34.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf7 y426d w75f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">8<span class=\"_ _0\"></span>54<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf8 y426d w760 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table>Content<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span>Ge<span class=\"_ _0\"></span>ographical analysis by re<span class=\"_ _0\"></span>gion<span class=\"_ _311\"> </span>An analysis of loans<span class=\"_ _4\"></span>, excluding asset finance leases<span class=\"_ _4\"></span>, by region is pro<span class=\"_ _4\"></span>vided below:<span class=\"_ _311\"> </span><table class=\"s w43e hfa\" id=\"_4aea0b2a-b87c-481f-ad43-edb6c8a538dd\"><tr><td></td><td></td><td class=\"c n x9aa y470e w7cc hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls39 wscf\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xcc7 y470e w250 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xcc8 h2b y470f ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xcc9 h2b y470f ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xcca h2b y470f ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td><td class=\"t m0 xccb h2b y470f ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 xccc h2b y470f ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 xb93 h2b y470f ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td></td></tr><tr><td class=\"t m0 x278 h2b y4710 ff2 fs16 fc5 sc0 ls1 ws0\">Region<span class=\"_ _311\"> </span></td><td class=\"t m0 xccd h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xcce h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xccf h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 xcd0 h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\"> % </td><td class=\"t m0 x696 h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xb94 h2b y4711 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"c n xcd1 y4712 w78c hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd2 y4712 w7cd hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4713 w7ce ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">East Anglia<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd3 y4714 w7cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>80<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd4 y4714 w7d0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1,236.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd5 y4714 w7d1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>,716.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd6 y4714 w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd7 y4713 w407 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls5e ws62\">453<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd8 y4713 w7d2 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcd9 y4713 w7d3 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xcda y4713 w7d4 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4715 w7d5 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">East Midlands<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdb y4716 w7d6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">72<span class=\"_ _0\"></span>3.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdc y4716 w7d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">7<span class=\"_ _0\"></span>74.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdd y4716 w7d8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xcde y4716 w7d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcdf y4715 w7da ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">6<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xce0 y4715 w7db ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">69<span class=\"_ _0\"></span>1.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xce1 y4715 w7dc ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>301.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc67 y4715 w1d ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4717 w7dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Greater L<span class=\"_ _4\"></span>ondon<span class=\"_ _311\"> </span></div></td><td class=\"c n xce2 y4718 w7de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">6<span class=\"_ _0\"></span>,18<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xce3 y4718 w7df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">3<span class=\"_ _0\"></span>,416<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xce4 y4718 w7e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">9<span class=\"_ _1\"></span>,602<span class=\"_ _0\"></span>.<span class=\"_ _4\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xce5 y4718 w7e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n xce6 y4717 w7e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xce7 y4717 w7e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">3,<span class=\"_ _0\"></span>293<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xce8 y4717 w7e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">8,852.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xbac y4717 wb5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4719 w7e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n xce9 y471a w7e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcea y471a w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xceb y471a w7e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcec y471a w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xced y4719 w361 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcee y4719 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcef y4719 w361 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">21.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xc61 y4719 w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y471b w7e7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Jersey<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf0 y471c w227 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf1 y471c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf2 y471c w7e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf3 y471c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf4 y471b w7e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">75.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf5 y471b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf6 y471b w7e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">75.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf7 y471b w2a2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y471d w7ea ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">North East<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf8 y471e w7eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">195.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcf9 y471e w7ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfa y471e w12a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">495.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfb y471e w737 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfc y471d w7ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">16<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfd y471d w7ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">274.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcfe y471d w797 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">444<span class=\"_ _4\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcff y471d w7ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y471f w55a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">North W<span class=\"_ _4\"></span>est<span class=\"_ _311\"> </span></div></td><td class=\"c n xd00 y4720 w7f0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">98<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd01 y4720 w7f1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1,031.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd02 y4720 w7f2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd03 y4720 w7f3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd04 y471f w7f4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">906.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd05 y471f w7f5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">92<span class=\"_ _0\"></span>1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd06 y471f w7f6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1,828.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd07 y471f w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4721 w7f7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Northern Ireland<span class=\"_ _311\"> </span></div></td><td class=\"c n xac4 y4722 w557 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcea y4722 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd08 y4722 w7f8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd09 y4722 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0a y4721 w23b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">10.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0b y4721 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0c y4721 w606 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0d y4721 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4723 w7f9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Scotland<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0e y4724 w250 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">61<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd0f y4724 w7fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd10 y4724 w126 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd11 y4724 w7fb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd12 y4723 w7fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd13 y4723 w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">261<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd14 y4723 w7fd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">298.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd15 y4723 w677 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4725 w7fe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">South East<span class=\"_ _311\"> </span></div></td><td class=\"c n xd16 y4726 w1fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"> </span>,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd17 y4726 w7ff ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">1,834.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd18 y4726 w800 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">4,<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd19 y4726 w231 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1a y4725 w801 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">2,8<span class=\"_ _0\"></span>02.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1b y4725 w802 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,68<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1c y4725 w803 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4,<span class=\"_ _4\"></span>4<span class=\"_ _0\"></span>84.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1d y4725 w804 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">19<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4727 w805 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">South W<span class=\"_ _4\"></span>est<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1e y4728 w806 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">959<span class=\"_ _4\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1f y4728 w807 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">7<span class=\"_ _0\"></span>51.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd20 y4728 w7d1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,710.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd21 y4728 w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd22 y4727 w808 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">8<span class=\"_ _0\"></span>93.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd23 y4727 w809 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">659<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x72e y4727 w80a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">1,553.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd24 y4727 w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4729 w158 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>ales<span class=\"_ _311\"> </span></div></td><td class=\"c n xd25 y472a w80b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd26 y472a w80c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">31<span class=\"_ _0\"></span>5.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd27 y472a w80d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>42<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd28 y472a w2bb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd29 y4729 w80e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2a y4729 w80f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2<span class=\"_ _0\"></span>84.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2b y4729 w333 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1c ws1d\">58<span class=\"_ _0\"></span>2.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2c y4729 w7ef ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4534 w810 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>est Midlands<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2d y472b w811 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">992.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2e y472b w80c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">8<span class=\"_ _0\"></span>51.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd2f y472b w812 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">1,843.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd30 y472b w731 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td><td class=\"c n x2d8 y4534 w813 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd31 y4534 w814 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls113 ws11f\">761<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd32 y4534 w815 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>6<span class=\"_ _4\"></span>70.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd33 y4534 w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4537 w816 hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Y<span class=\"_ _1\"></span>ork<span class=\"_ _4\"></span>s and<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Humberside<span class=\"_ _311\"> </span></div></td><td class=\"c n xd34 y454c w817 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">374.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd35 y454c w818 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls97 ws6f\">580<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd36 y454c w819 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">95<span class=\"_ _0\"></span>5.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd37 y454c w737 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd38 y4537 w81a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">335.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x3ef y4537 w316 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">5<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd39 y4537 w7b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">853.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x2dd y4537 w81b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y472c ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal loans </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y426c w678 haa\"><div class=\"t m0 x253 hc y4648 ff1 fs3 fc5 sc0 ls1 ws0\">before<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3a y426c w81c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">14,286.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3b y426c w67a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3c y426c w3b9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">25,6<span class=\"_ _4\"></span>74.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3d y426c w81d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3e y426d w81e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">13,081.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd3f y426d w3ee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>,4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd40 y426d w3ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>4.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd41 y426d w7a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table>Appro<span class=\"_ _0\"></span>ach to meas<span class=\"_ _0\"></span>urement of cr<span class=\"_ _0\"></span>edit quality<span class=\"_ _311\"> </span>The Group cate<span class=\"_ _4\"></span>gorises the credit quality of loans and advances to cus<span class=\"_ _4\"></span>tomers in<span class=\"_ _4\"></span>to internal risk grades based on the 12 mon<span class=\"_ _4\"></span>th PD calculated at the reporting date. The PDs include a combination of internal behaviour<span class=\"_ _4\"></span>al and credit bureau char<span class=\"_ _4\"></span>acteristics and ar<span class=\"_ _4\"></span>e aligned with Capital models to gener<span class=\"_ _4\"></span>ate the risk grades which are then further grouped in<span class=\"_ _4\"></span>to the following credit quality segmen<span class=\"_ _4\"></span>ts:<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Excellent quality</span> \u2013 where there is a very high lik<span class=\"_ _1\"></span>elihood the asset will be recov<span class=\"_ _4\"></span>ered in full with a negligible or very lo<span class=\"_ _4\"></span>w risk of default.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">G<span class=\"_ _0\"></span>ood quality </span>\u2013 where there is a high lik<span class=\"_ _1\"></span>elihood the asset will be recover<span class=\"_ _4\"></span>ed in full with a low risk of def<span class=\"_ _4\"></span>ault.<span class=\"_ _311\"> </span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">S<span class=\"_ _0\"></span>atisf<span class=\"_ _4\"></span>actory quality <span class=\"ff4\">\u2013 where the assets demonstr<span class=\"_ _4\"></span>ate a moderat<span class=\"_ _4\"></span>e default risk. </span></span>\u2022 <span class=\"_ _26\"> </span><span class=\"ff1\">Lower quality</span> \u2013 wher<span class=\"_ _4\"></span>e the assets require closer monitoring and the risk o<span class=\"_ _4\"></span>f default is of greater concern.<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables disclose the credit risk quality ratings o<span class=\"_ _4\"></span>f loans and advances to cust<span class=\"_ _4\"></span>omers by IFRS 9 s<span class=\"_ _4\"></span>tage. The assessment o<span class=\"_ _4\"></span>f whether credit risk has increased significan<span class=\"_ _4\"></span>tly since initial recognition is performed for e<span class=\"_ _4\"></span>ach reporting period for the life of the loan. L<span class=\"_ _4\"></span>oans and advances to cus<span class=\"_ _4\"></span>tomers initially book<span class=\"_ _1\"></span>ed on very low PDs and gr<span class=\"_ _4\"></span>aded as excellen<span class=\"_ _4\"></span>t quality loans can experience a SICR and ther<span class=\"_ _4\"></span>efore be mov<span class=\"_ _4\"></span>ed to Stage 2. Such loans may s<span class=\"_ _4\"></span>till be graded as ex<span class=\"_ _4\"></span>cellent quality, if they meet the over<span class=\"_ _4\"></span>all criteria. <table class=\"s w7a9 hf9\" id=\"_4c52ae7b-75d3-4aaf-8f2c-eec4d59f2bf7\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x428 h2e y46fc ff1 fs16 fc6 sc0 ls1 ws0\">Stage 3 </td><td></td><td class=\"t m0 x42a h2e y46fd ff1 fs16 fc6 sc0 ls1 ws0\">PD lower </td><td class=\"t m0 x427 h2e y46fe ff1 fs16 fc6 sc0 ls1 ws0\">PD upper </td></tr><tr><td></td><td class=\"t m0 xc6e h2e y46ff ff1 fs16 fc6 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></td><td class=\"t m0 x66a h2e y46ff ff1 fs16 fc6 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></td><td class=\"t m0 x6f8 h2e y46ff ff1 fs16 fc6 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></td><td class=\"t m0 x6f9 h2e y4700 ff1 fs16 fc6 sc0 ls1 ws0\">(POCI)<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2e y4700 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c2 h2e y4701 ff1 fs16 fc6 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td><td class=\"t m0 x4dd h2e y4702 ff1 fs16 fc6 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4703 ff2 fs16 fc5 sc0 ls39 wscf\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xc6f h2e y4703 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xc70 h2e y4703 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xc71 h2e y4703 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa33 h2e y4704 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4704 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xc72 h2e y4705 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 xc73 h2e y4706 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4707 ff1 fs3 fc5 sc0 ls5e ws62\">OSB<span class=\"_ _2cb\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4465 w7aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xc74 y4466 w7ab ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">4,609<span class=\"_ _1\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc75 y4466 w7ac ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc76 y4466 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc77 y4466 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc78 y4466 w7ad ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">4,866.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc79 y4466 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7a y4466 w7ae ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4708 w789 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7b y4709 w7af ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6,062.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7c y4709 w7b0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,397<span class=\"_ _1\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7d y4709 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7e y4709 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc7f y4709 w7b1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc80 y4709 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc81 y4709 w7b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y470a w7b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xc82 y470b w4e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">543.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc83 y470b w7b4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc84 y470b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc85 y470b w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc86 y470b w7b5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc87 y470b w203 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc88 y470b w7b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446c w7b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xc89 y446b w5d0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">48<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8a y446b w7b8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">5<span class=\"_ _0\"></span>58.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8b y446b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8c y446b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8d y446b w7b9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">606.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8e y446b w7b6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8f y446b w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446d w7bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xc90 y446e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc91 y446e w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc92 y446e w5ee ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">494.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc93 y446e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc94 y446e w7bc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">494.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xc95 y446e w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc96 y446e w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438d w7bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xc97 y446f w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc98 y446f w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc99 y446f w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9a y446f w3e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">3<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9b y446f w4c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">33<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9c y446f w7ba ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9d y446f w7be ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y470c ff1 fs3 fc5 sc0 ls7d ws84\">CCFS<span class=\"_ _2cc\"> </span><span class=\"ls1 ws0\"> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4391 w7aa ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9e y470d w7bf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">6,204.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xc9f y470d w7c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xca0 y470d w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca1 y470d w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca2 y470d w7c1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">6,<span class=\"_ _0\"></span>837<span class=\"_ _3\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xca3 y470d w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca4 y470d w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w789 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xca5 y440a w7c2 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls11d ws130\">2<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xca6 y440a w7c3 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">653.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xca7 y440a w31e hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca8 y440a w20c hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xca9 y440a w7c4 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">3,588.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcaa y440a w567 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xcab y440a w203 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w7b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xcac y4265 w9b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">168<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcad y4265 w18c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls55 ws5c\">213.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcae y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcaf y4265 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb0 y4265 w40f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">3<span class=\"_ _0\"></span>81.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb1 y4265 w7c5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb2 y4265 w7b6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w7b7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb3 y440b w7c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">6<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb4 y440b w9e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>19.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb5 y440b w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb6 y440b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb7 y440b w7c7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">325.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb8 y440b w7c8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xcb9 y440b w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w7bb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xc90 y4269 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc91 y4269 w31e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcba y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcaf y4269 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbb y4269 w22 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbc y4269 w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbd y4269 w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w7bd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xc97 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc98 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xc99 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbe y426a w3e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcbf y426a w7c9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc0 y426a w7be ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc1 y426a w7ba ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xcc2 y426c w7ca ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">20,57<span class=\"_ _1\"></span>6.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc3 y426c w6a7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc4 y426c w7cb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">711.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc5 y426c w3e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">7<span class=\"_ _0\"></span>0.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xcc6 y426c w17b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr></table><table class=\"s w81f hfb\" id=\"_63530244-d8c8-4c20-9d91-ad7731ed7710\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x920 h2b y472d ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3 </td><td></td><td class=\"t m0 x749 h2b y472e ff2 fs16 fc5 sc0 ls1 ws0\">PD low<span class=\"_ _4\"></span>er </td><td class=\"t m0 x71d h2b y472f ff2 fs16 fc5 sc0 ls1 ws0\">PD upper </td></tr><tr><td></td><td class=\"t m0 xc09 h2b y4730 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 1<span class=\"_ _311\"> </span></td><td class=\"t m0 x87f h2b y4730 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 2<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d3 h2b y4730 ff2 fs16 fc5 sc0 ls1 ws0\">Stage 3<span class=\"_ _311\"> </span></td><td class=\"t m0 x87c h2b y4731 ff2 fs16 fc5 sc0 ls1 ws0\">(POCI)<span class=\"_ _311\"> </span></td><td class=\"t m0 xd42 h2b y4731 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td><td class=\"t m0 xd43 h2b y4732 ff2 fs16 fc5 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td><td class=\"t m0 x4cd h2b y4733 ff2 fs16 fc5 sc0 ls1 ws0\">range<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 xd44 h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x882 h2b y4734 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4735 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4735 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x308 h2b y4736 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td><td class=\"t m0 xb96 h2b y4737 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4738 ff1 fs3 fc5 sc0 ls5e ws62\">OSB<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4465 w7aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xd45 y4465 w820 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">4,<span class=\"_ _4\"></span>136.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd46 y4465 w70f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">470<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xd47 y4465 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd48 y4465 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd49 y4465 w821 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _33\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4a y4465 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4b y4465 w41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4708 w789 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4c y4708 w822 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,848.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4d y4708 w823 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd47 y4708 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd48 y4708 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4e y4708 w824 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">7<span class=\"_ _1\"></span>,0<span class=\"_ _0\"></span>96.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd4f y4708 w3b3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd50 y4708 w825 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y470a w7b3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xd51 y470a w24b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">33<span class=\"_ _0\"></span>1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xd52 y470a w826 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">374.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd53 y470a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd54 y470a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd55 y470a w827 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _4\"></span>06.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd56 y470a wd5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd57 y470a w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446c w7b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xd58 y446c w795 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd59 y446c w829 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>6.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5a y446c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5b y446c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5c y446c w82a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">44<span class=\"_ _0\"></span>6.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5d y446c w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5e y446c w82b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">100.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446d w7bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5f y446d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd60 y446d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd61 y446d w82c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd62 y446d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd63 y446d w82c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd64 y446d w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd65 y446d w82e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438d w7bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xd66 y438d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd67 y438d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd68 y438d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd69 y438d w82f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6a y438d w82f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">3<span class=\"_ _0\"></span>8.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6b y438d w82e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6c y438d w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4739 ff1 fs3 fc5 sc0 ls7d ws84\">CCFS<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4391 w7aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Excellen<span class=\"_ _4\"></span>t<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6d y4391 w830 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">5,80<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6e y4391 w831 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd6f y4391 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd70 y4391 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd71 y4391 w832 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">6,710.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd72 y4391 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd73 y4391 w41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f w789 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">Good<span class=\"_ _311\"> </span></div></td><td class=\"c n xd74 y432f w833 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls97 ws6f\">2,394<span class=\"_ _4\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd75 y432f w834 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">668.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd76 y432f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d3 y432f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd77 y432f w835 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,062.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd78 y432f w41 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd79 y432f w836 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 w7b3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7a y4264 w1ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7b y4264 w837 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">143.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7c y4264 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7d y4264 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7e y4264 w838 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">295.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd7f y4264 w825 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd80 y4264 w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w7b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6f ws75\">Lower<span class=\"_ _311\"> </span></div></td><td class=\"c n xd58 y4271 w839 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd81 y4271 w83a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">185.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd82 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd83 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd84 y4271 w67 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>4.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd85 y4271 w828 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xd86 y4271 w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">10<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w7bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Impaired<span class=\"_ _311\"> </span></div></td><td class=\"c n xd5f y4268 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd60 y4268 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd61 y4268 w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">156<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd87 y4268 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd88 y4268 w68e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">15<span class=\"_ _0\"></span>6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd89 y4268 w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8a y4268 w82b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">100.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w7bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">POCI<span class=\"_ _311\"> </span></div></td><td class=\"c n xd66 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd67 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd68 y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8b y426b w49a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">44.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8c y426b w693 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4<span class=\"_ _0\"></span>4.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8d y426b w82b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">100.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd8e y426b w82d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xd8f y426d w83b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">18,7<span class=\"_ _4\"></span>22.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xd90 y426d w83c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd91 y426d w83d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">505.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x432 y426d w40a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">8<span class=\"_ _0\"></span>3.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xd92 y426d w197 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">23,728.1<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr></table>The tables belo<span class=\"_ _4\"></span>w show the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s other financial assets and derivativ<span class=\"_ _4\"></span>es by credit risk rating grade<span class=\"_ _4\"></span>. The credit grade is based on the e<span class=\"_ _4\"></span>xternal credit r<span class=\"_ _4\"></span>ating of the counterparty; AAA to AA- are r<span class=\"_ _4\"></span>ated Excellent; A+ t<span class=\"_ _4\"></span>o A- are r<span class=\"_ _4\"></span>ated Good; and BBB+ to BBB- are r<span class=\"_ _4\"></span>ated Satisfact<span class=\"_ _4\"></span>ory.<span class=\"_ _311\"> </span><table class=\"s w83e hfc\" id=\"_efd924ca-091d-413d-9219-0c54311b3fde\"><tr><td></td><td class=\"t m0 x803 h2e y473a ff1 fs16 fc6 sc0 ls1 ws0\">Excellent<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2e y473a ff1 fs16 fc6 sc0 ls11f wsba\">Good<span class=\"_ _311\"> </span></td><td class=\"t m0 xbd7 h2e y473a ff1 fs16 fc6 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></td><td class=\"t m0 x9d4 h2e y473a ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2e y473b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x859 h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85a h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x422 h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y473b ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 w83f ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xd93 y4270 w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">621.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd94 y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd1c y4270 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd95 y4270 w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w60 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xd96 y43ab w841 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">2,<span class=\"_ _4\"></span>446.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd97 y43ab w842 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd98 y43ab w843 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xd99 y43ab w844 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2,813<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w4d6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9a y4273 w845 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9b y4273 w846 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9c y4273 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9d y4273 w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xd9e y431e w847 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3,<span class=\"_ _0\"></span>308.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xd9f y431e w848 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">648.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xda0 y431e w843 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xda1 y431e w849 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w84a hfd\" id=\"_ab793354-48f8-4bb8-bb32-708c16e168fc\"><tr><td></td><td class=\"t m0 xda2 h2b y473c ff2 fs16 fc5 sc0 ls1 ws0\">Excellent<span class=\"_ _311\"> </span></td><td class=\"t m0 xaba h2b y473c ff2 fs16 fc5 sc0 ls118 ws12b\">Good<span class=\"_ _311\"> </span></td><td class=\"t m0 xa68 h2b y473c ff2 fs16 fc5 sc0 ls1 ws0\">Satisfactory<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y473c ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x428 h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x425 h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x85b h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y473d ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 w83f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xda3 y4271 w67 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xda4 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xda5 y4271 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xda6 y4271 w67 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w60 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xda7 y4268 w84b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xda8 y4268 w84c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">43<span class=\"_ _0\"></span>5.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xda9 y4268 w84d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdaa y4268 w5b8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xdab y426b w84e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">40<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdac y426b w84f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">48<span class=\"_ _0\"></span>8.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdad y426b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdae y426b w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xdaf y426d w850 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">3,736.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb0 y426d w851 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb1 y426d w6ea ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb2 y426d w852 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">4,666.7<span class=\"_ _311\"> </span></div></td></tr></table>Cred<span class=\"_ _0\"></span>it risk \u2013 loans and a<span class=\"_ _0\"></span>dvances to cr<span class=\"_ _0\"></span>edit institutions and inve<span class=\"_ _0\"></span>stment se<span class=\"_ _0\"></span>curities<span class=\"_ _311\"> </span>The Group holds treasury ins<span class=\"_ _4\"></span>truments in or<span class=\"_ _4\"></span>der to meet liquidity requiremen<span class=\"_ _4\"></span>ts and for general business purposes. The cr<span class=\"_ _4\"></span>edit risk arising from these inv<span class=\"_ _4\"></span>estments is closely monit<span class=\"_ _4\"></span>ored and managed by the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s T<span class=\"_ _4\"></span>reasury function. In managing these assets<span class=\"_ _4\"></span>, Group T<span class=\"_ _1\"></span>reasury operates within guidelines laid down in the Gr<span class=\"_ _4\"></span>oup Market and Liquidity Risk Policy appr<span class=\"_ _4\"></span>oved by AL<span class=\"_ _1\"></span>CO and performance is monitored and r<span class=\"_ _4\"></span>epor<span class=\"_ _0\"></span>te<span class=\"_ _4\"></span>d to AL<span class=\"_ _4\"></span>CO monthly, including through the use o<span class=\"_ _4\"></span>f an<span class=\"_ _0\"></span> internally de<span class=\"_ _4\"></span>veloped rating mo<span class=\"_ _4\"></span>del based on counterparty credit default s<span class=\"_ _4\"></span>wap spreads<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>The Group has limited e<span class=\"_ _4\"></span>xposure to emerging mark<span class=\"_ _1\"></span>ets (Indian operations) and non-in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t grade debt. AL<span class=\"_ _1\"></span>CO is responsible for appr<span class=\"_ _4\"></span>oving treasury count<span class=\"_ _4\"></span>erpar<span class=\"_ _0\"></span>ties<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>During the year<span class=\"_ _1\"></span>, the average balance o<span class=\"_ _4\"></span>f cash in hand, loans and advances to credit ins<span class=\"_ _4\"></span>titutions and inv<span class=\"_ _4\"></span>estment securities on a monthly basis w<span class=\"_ _4\"></span>as \u00a33,<span class=\"_ _4\"></span>848.3m (2022: \u00a33<span class=\"_ _4\"></span>,<span class=\"_ _1\"></span>496<span class=\"_ _4\"></span>.<span class=\"_ _3\"></span>9m).<span class=\"_ _311\"> </span><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5eb\">The tables belo<span class=\"_ _4\"></span>w show the industry sect<span class=\"_ _4\"></span>or of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s loans and advances to credit </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5ec\">institutions and in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities:<span class=\"_ _311\"> </span></div><div class=\"gs5ed\"><table class=\"s w853 hfe\" id=\"_44b7e34f-8911-4cf2-af8f-b2d025ac0900\"><tr><td></td><td class=\"c n xdb3 y473e w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xdb4 y473e w362 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xdb5 y473f w854 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb6 y473f w855 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb7 y473f w78c hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb8 y473f w643 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4740 ff4 fs3 fc5 sc0 ls1 ws0\">BoE<span class=\"_ _311\"> </span></td><td class=\"c n xdb9 y43aa w856 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">2,325.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdba y43aa w857 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls2e wsa1\">68<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbb y4264 w858 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbc y4264 w859 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls113 ws11f\">76<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w85a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other bank<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbd y4351 w85b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">487<span class=\"_ _1\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbe y4351 w85c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">14<span class=\"_ _311\"> </span></div></td><td class=\"c n xdbf y4266 w85d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">496.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc0 y4266 w52 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w85e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Central go<span class=\"_ _4\"></span>vernment<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc1 y431a w3a2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x2c0 y431a w85f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc2 y431b w860 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x9da y431b w12 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w861 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Securitisation<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc3 y431c w862 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">325.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc4 y431c w85f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc5 y431d w6c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>63<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc6 y431d w24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc7 y431e w863 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">3,4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc8 y431e w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc9 y426d w864 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3,7<span class=\"_ _0\"></span>78.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xdca y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs5ee\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs5ef\">1. <span class=\"_ _18\"> </span>Ba<span class=\"_ _0\"></span>lanc<span class=\"_ _0\"></span>es with t<span class=\"_ _0\"></span>he BoE i<span class=\"_ _0\"></span>nclud<span class=\"_ _0\"></span>e \u00a369<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>6m (2022: \u00a362.8<span class=\"_ _0\"></span>m<span class=\"_ _4\"></span>) h<span class=\"_ _0\"></span>eld in th<span class=\"_ _0\"></span>e cash ra<span class=\"_ _0\"></span>tio dep<span class=\"_ _0\"></span>osit.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f0\">The tables belo<span class=\"_ _4\"></span>w show the geographical e<span class=\"_ _4\"></span>xposure of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s loans and advances to credit </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f1\">institutions and in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities:<span class=\"_ _311\"> </span></div><div class=\"gs5f2\"><table class=\"s w865 hff\" id=\"_bc7e683f-80b8-4a40-aad1-80b6df899fa0\"><tr><td></td><td class=\"c n xdb3 y4741 w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td></td><td></td><td class=\"c n xdb4 y4741 w362 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xdb5 y43a7 w854 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb6 y43a7 w855 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb7 y43a7 w78c hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n xdb8 y43a7 w643 hc1\"><div class=\"t m0 x253 h2e y43a6 ff2 fs16 fc5 sc0 ls1 ws0\">%<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b w866 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">United Kingdom<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcb y431a w867 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">3<span class=\"_ _0\"></span>,418<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcc y431a w868 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">99<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcd y431b w869 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls113 ws11f\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdce y431b w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w254 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n xdcf y4321 w86a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd0 y4321 w673 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd1 y426b w86b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd2 y426b wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w4c0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsc2 wsce\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc7 y431e w863 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">3,4<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc8 y431e w73c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">100<span class=\"_ _311\"> </span></div></td><td class=\"c n xdc9 y426d w864 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5b ws5f\">3,7<span class=\"_ _0\"></span>78.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xdca y426d w67e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">100<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f3\">The Group monitor<span class=\"_ _4\"></span>s exposure concentr<span class=\"_ _4\"></span>ations against a variety o<span class=\"_ _4\"></span>f criteria, including asset </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f4\">class, sect<span class=\"_ _4\"></span>or and geography. T<span class=\"_ _1\"></span>o avoid refinancing risk<span class=\"_ _1\"></span>s associated with any one counterparty, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f5\">sector or geogr<span class=\"_ _4\"></span>aphical region, the Board has set appr<span class=\"_ _4\"></span>opriate limits. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f6\">For further information on Credit risk please r<span class=\"_ _4\"></span>efer to page 62.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-493": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs5f8\">Liquidity risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5f9\">Liquidity risk is the risk of having insufficient liquid assets to fulfil obligations as they become </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5fa\">due or the cost o<span class=\"_ _4\"></span>f raising liquid funds becoming too expensiv<span class=\"_ _4\"></span>e. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5fb\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s approach to managing liquidity risk is t<span class=\"_ _4\"></span>o maintain sufficient liquid resources to </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5fc\">cov<span class=\"_ _4\"></span>er cash flow imbalances and fluctuations in funding in order t<span class=\"_ _4\"></span>o retain full public confidence </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5fd\">in the solvency of the Gr<span class=\"_ _4\"></span>oup and to enable the Group to meet its financial obligations as they </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5fe\">fall due<span class=\"_ _4\"></span>. This is achieved through main<span class=\"_ _4\"></span>taining a prudent lev<span class=\"_ _4\"></span>el of liquid assets and contr<span class=\"_ _4\"></span>ol of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs5ff\">gro<span class=\"_ _4\"></span>wth of the business. The Group has es<span class=\"_ _4\"></span>tablished call account<span class=\"_ _4\"></span>s with the BoE and has acc<span class=\"_ _0\"></span>ess </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs600\">to its contingen<span class=\"_ _4\"></span>t liquidity facilities.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs601\">The Board has delegat<span class=\"_ _4\"></span>ed the responsibility for liquidity management to the Chie<span class=\"_ _4\"></span>f Executive </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs602\">Officer<span class=\"_ _4\"></span>, assisted by AL<span class=\"_ _1\"></span>CO<span class=\"_ _4\"></span>, with day-to-day management delegate<span class=\"_ _4\"></span>d to T<span class=\"_ _4\"></span>reasury as detaile<span class=\"_ _4\"></span>d in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs603\">the Group Mark<span class=\"_ _1\"></span>et and Liquidity Risk Policy. The B<span class=\"_ _0\"></span>o<span class=\"_ _4\"></span>ard is responsible for setting risk appetit<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs604\">limits ov<span class=\"_ _4\"></span>er the level and maturity pr<span class=\"_ _4\"></span>ofile of funding and for monitoring the composition of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs605\">Group financial position.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs606\">The Group also monitor<span class=\"_ _4\"></span>s a range of trigger<span class=\"_ _4\"></span>s, defined in the r<span class=\"_ _4\"></span>ecovery plan, which are<span class=\"_ _4\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs607\">designed to captur<span class=\"_ _4\"></span>e liquidity stresses in advance in or<span class=\"_ _4\"></span>der to allow sufficient time for </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs608\">management action to t<span class=\"_ _4\"></span>ake e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fect. These ar<span class=\"_ _4\"></span>e monitored daily by the Risk team, with </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs609\">breaches immediat<span class=\"_ _4\"></span>ely reported to the Group Chief Risk Officer<span class=\"_ _4\"></span>, Chief Executiv<span class=\"_ _4\"></span>e Of<span class=\"_ _0\"></span>ficer<span class=\"_ _1\"></span>, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs60a\">Chief Financial Officer and the Group T<span class=\"_ _1\"></span>reasurer<span class=\"_ _1\"></span>.<span class=\"_ gs41e\"> </span></div>The tables belo<span class=\"_ _4\"></span>w show the maturity profile f<span class=\"_ _4\"></span>or the Group\u2019<span class=\"_ _1\"></span>s financial assets and liabilities  based on contr<span class=\"_ _4\"></span>actual maturities at the reporting date:<span class=\"_ _311\"> </span><table class=\"s w4c5 h100\" id=\"_fdde9eba-6c25-41ee-b13d-99d5386f7dcc\"><tr><td></td><td class=\"t m0 x7e0 h2e y4742 ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td></td><td class=\"t m0 x835 h2e y4743 ff1 fs16 fc6 sc0 ls1 ws0\">Less than  </td><td class=\"t m0 x4f8 h2e y4744 ff1 fs16 fc6 sc0 ls1 ws0\"> 3 \u2013 12  </td><td class=\"t m0 x9ae h2e y4745 ff1 fs16 fc6 sc0 ls1 ws0\"> 1 \u2013 5  </td><td class=\"t m0 xdd3 h2e y4746 ff1 fs16 fc6 sc0 ls1 ws0\">More than </td></tr><tr><td></td><td class=\"t m0 xdd4 h2e y4747 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 x4fe h2e y4747 ff1 fs16 fc6 sc0 ls1 ws0\">On demand<span class=\"_ _311\"> </span></td><td class=\"t m0 xadf h2e y4748 ff1 fs16 fc6 sc0 ls1 ws0\">3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd5 h2e y4749 ff1 fs16 fc6 sc0 ls1 ws0\">months<span class=\"_ _311\"> </span></td><td class=\"t m0 x838 h2e y474a ff1 fs16 fc6 sc0 ls1 ws0\">years</td><td class=\"t m0 xae1 h2e y474b ff1 fs16 fc6 sc0 ls1 ws0\"> 5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2e y474c ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xcc9 h2e y474d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xcca h2e y474d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d4 h2e y474e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2e y474f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2e y4750 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y4751 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4752 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _f0\"> </span><span class=\"ff4\"> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _67\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4753 w86c hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd7 y4754 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xb13 y4754 w86d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4,22<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd8 y4754 w86e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">6<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd9 y4754 w86f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">9,1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdda y4754 w870 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>675<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xddb y4754 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4755 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xddc y4756 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xddd y4756 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdde y4756 w7f4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xddf y4756 w871 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">1<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xde0 y4756 w872 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">3<span class=\"_ _0\"></span>,45<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xde1 y4756 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4757 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xde2 y4758 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xde3 y4758 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xde4 y4758 w471 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xde5 y4758 w7e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xde6 y4758 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xde7 y4758 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4759 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y475a w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xde9 y475a w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdea y475a w874 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">6.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdeb y475a w875 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">18<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdec y475a w876 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>64<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xded y475a w877 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>0.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y475b w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xdee y475c w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdef y475c w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf0 y475c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf1 y475c w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf2 y475c w5bd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xa43 y475c w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y475d wa0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf3 y475e wa2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xde3 y475e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf4 y475e w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf5 y475e w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf6 y475e w21b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf7 y475e w492 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y475f wad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf8 y4760 waf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf9 y4760 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfa y4760 w56d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfb y4760 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfc y4760 w878 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">298.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfd y4760 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4761 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfe y4762 w879 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xdff y4762 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe00 y4762 w87a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">10.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x39a y4762 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe01 y4762 w87b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">248.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe02 y4762 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4763 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe03 y4764 w87d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe04 y4764 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe05 y4764 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe06 y4764 w61a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x797 y4764 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x798 y4764 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4765 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe07 y4765 w87f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">27<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>37<span class=\"_ _1\"></span>6.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe08 y4765 w880 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4,220.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe09 y4765 w881 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>9<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0a y4765 w882 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lse1 wse8\">9,1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0b y4765 w883 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">7,<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0c y4765 w6c7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4766 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _63\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4767 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0d y463e w119 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0e y463e w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0f y463e w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe10 y463e w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe11 y463e w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe12 y463e w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4768 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4769 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe13 y4313 w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe14 y4313 w885 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">2<span class=\"_ _0\"></span>,623<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe15 y4313 w886 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">19.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe16 y4313 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe17 y4313 w887 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe18 y4313 w888 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">41<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y476a w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe19 y4316 w3b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1a y4316 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1b y4316 w25b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">10<span class=\"_ _0\"></span>1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1c y4316 w889 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">301.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1d y4316 w88a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">218.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1e y4316 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y476b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y445a w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1f y4266 w6a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe20 y4266 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe21 y4266 w88c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9b ws9a\">249<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe22 y4266 w88d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe23 y4266 w88e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe24 y4266 w88f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">23,663.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46ae w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe25 y431b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe26 y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe27 y431b w890 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">6.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe28 y431b w891 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">79.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe29 y431b w892 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">444.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2a y431b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w86 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2b y431d w893 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,731.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2c y431d w7e3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2d y431d w894 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2e y431d w895 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">850.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2f y431d w896 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe30 y431d w897 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls61 ws65\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>704<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w898 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Cumulative liquidity gap<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xe31 y426d w899 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(1,<span class=\"_ _0\"></span>596<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe32 y426d w89a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8b ws8f\">(<span class=\"_ _33\"> </span>7,<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>7<span class=\"_ _33\"> </span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe33 y426d w89b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>15<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>841<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe34 y426d w89c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls59 ws46\">(21,338.<span class=\"_ _4\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe35 y426d w89d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">2,354.6<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w89e h101\" id=\"_c446c77c-e1ef-4e5b-8dc2-04ffcfe3bf53\"><tr><td></td><td class=\"t m0 x965 h2b y476c ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td></td><td class=\"t m0 x539 h2b y476d ff2 fs16 fc5 sc0 ls1 ws0\">Less than </td><td class=\"t m0 xe36 h2b y476e ff2 fs16 fc5 sc0 ls1 ws0\"> 3 \u2013 12  </td><td class=\"t m0 x8c2 h2b y476f ff2 fs16 fc5 sc0 ls1 ws0\"> 1 \u2013 5 </td><td class=\"t m0 x427 h2b y4770 ff2 fs16 fc5 sc0 ls1 ws0\">More than </td></tr><tr><td></td><td class=\"t m0 xe37 h2b y4771 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe38 h2b y4771 ff2 fs16 fc5 sc0 ls1 ws0\">On demand</td><td class=\"t m0 xe39 h2b y4772 ff2 fs16 fc5 sc0 ls1 ws0\"> 3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3a h2b y4773 ff2 fs16 fc5 sc0 ls1 ws0\">months<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3b h2b y4774 ff2 fs16 fc5 sc0 ls1 ws0\">years</td><td class=\"t m0 x801 h2b y4775 ff2 fs16 fc5 sc0 ls1 ws0\"> 5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y4776 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3c h2b y4777 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2b y4777 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2b y4778 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y4779 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y477a ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y477b ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y477c ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y477d w89f haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xe3f y477d w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe40 y477d w8a0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls79 ws7f\">6<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>70.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe41 y477d w8a1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,63<span class=\"_ _0\"></span>2.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe42 y477d w8a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _2\"></span>8<span class=\"_ _33\"> </span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4e y477d w8a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">2,<span class=\"_ _0\"></span>545.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe43 y477d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y477f w89f h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y477f w8a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe45 y477f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe46 y477f w8a5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe47 y477f w8a6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">310.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe48 y477f w8a7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4,<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>1<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe49 y477f w8a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">372.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4780 w89f haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4a y4780 w8a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4b y4780 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4c y4780 w8aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4d y4780 w8ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls113 ws11f\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4e y4780 w30a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4f y4780 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4781 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y4781 w8ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">10<span class=\"_ _0\"></span>6.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe50 y4781 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe51 y4781 w8ad ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe52 y4781 w446 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">46.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe53 y4781 w8ae ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">43.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe54 y4781 w26a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4782 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xe55 y4782 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe56 y4782 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe57 y4782 w637 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe58 y4782 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe59 y4782 w789 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>5.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5a y4782 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4783 w8af ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5b y4783 w5dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5c y4783 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5d y4783 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5e y4783 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5f y4783 w54b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa40 y4783 w26a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4784 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe60 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe61 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe62 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe63 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe64 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe65 y4784 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4785 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe66 y4785 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe67 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe68 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe69 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6a y4785 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe65 y4785 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4786 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6b y4787 w8b0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6c y4787 w8b1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">6,7<span class=\"_ _0\"></span>70.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6d y4787 w8b2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>,8<span class=\"_ _0\"></span>61.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6e y4787 w8b3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">8<span class=\"_ _0\"></span>,24<span class=\"_ _0\"></span>0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6f y4787 w8b4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">7<span class=\"_ _1\"></span>,0<span class=\"_ _0\"></span>96.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe70 y4787 w8b5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">390.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4788 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4789 w8b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe71 y4789 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe72 y4789 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe73 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe58 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe74 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x641 y4789 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y478a ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y478b w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe75 y478b w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe76 y478b w8b7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">3<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>4.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe77 y478b w8b8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">7<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe78 y478b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe79 y478b w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7a y478b w8b9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1<span class=\"_ _0\"></span>90.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y478c w83f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7b y478c w3b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x6c8 y478c w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7c y478c w8ba ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">1<span class=\"_ _0\"></span>44.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7d y478c w6d2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>2.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7e y478c w8bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5e ws62\">245<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7f y478c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y478d ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y469f w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe80 y469f w8bc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,612<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe81 y469f w8bd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe82 y469f w840 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">223.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe83 y469f w8be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">421.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe84 y469f w412 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,341.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe85 y469f w8bf ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">21,62<span class=\"_ _0\"></span>3.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46a0 w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe86 y46a0 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xe87 y46a0 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe88 y46a0 w21c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe89 y46a0 w2ce ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">55.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8a y46a0 w807 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">828.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8b y46a0 w15c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y439f w8c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8c y431d w8c1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8d y431d w8c2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">3<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8e y431d w8c3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1b ws1c\">442<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8f y431d w35 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe90 y431d w8c4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">2<span class=\"_ _0\"></span>,41<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xe91 y431d w8c5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">21,815.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w8c6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Cumulative liquidity gap<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xe92 y426d w8c7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsd ws7\">(3,663.<span class=\"_ _4\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe93 y426d w8c8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(6<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>2.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe94 y426d w8c9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">(13,823.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe95 y426d w8ca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">(18,504.5)<span class=\"_ _311\"> </span></div></td><td class=\"c n xe96 y426d w8cb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>,92<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table>Liquidity risk \u2013 undiscounted c<span class=\"_ _0\"></span>ontractual cash flows<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing tables provide an analysis of the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s gross contr<span class=\"_ _4\"></span>actual undiscounted cash flow<span class=\"_ _4\"></span>s, derived using in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ates and contr<span class=\"_ _4\"></span>actual maturities at the reporting date and ex<span class=\"_ _4\"></span>cluding impacts of early payments or non-paymen<span class=\"_ _4\"></span>ts:<span class=\"_ _311\"> </span><table class=\"s w8cc h103\" id=\"_f194c0c3-8ef3-4c36-ae1c-c03b6ae9d34a\"><tr><td></td><td></td><td class=\"t m0 x7d1 h2e y478e ff1 fs16 fc6 sc0 ls1 ws0\">Gross  </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x7e0 h2e y478f ff1 fs16 fc6 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x723 h2e y4790 ff1 fs16 fc6 sc0 ls1 ws0\">inflow/ </td><td class=\"t m0 x880 h2e y4791 ff1 fs16 fc6 sc0 ls1 ws0\">Up to  </td><td class=\"t m0 x4f8 h2e y4792 ff1 fs16 fc6 sc0 ls1 ws0\"> 3 \u2013 12 </td><td class=\"t m0 x9ae h2e y4793 ff1 fs16 fc6 sc0 ls1 ws0\"> 1 \u2013 5 </td><td class=\"t m0 xdd3 h2e y4794 ff1 fs16 fc6 sc0 ls1 ws0\">More than  </td></tr><tr><td></td><td class=\"t m0 xdd4 h2e y4795 ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xe97 h2e y4796 ff1 fs16 fc6 sc0 ls1 ws0\">outflow<span class=\"_ _311\"> </span></td><td class=\"t m0 xadf h2e y4797 ff1 fs16 fc6 sc0 ls1 ws0\">3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd5 h2e y4798 ff1 fs16 fc6 sc0 ls1 ws0\">months</td><td class=\"t m0 x697 h2e y4799 ff1 fs16 fc6 sc0 ls1 ws0\"> years<span class=\"_ _311\"> </span></td><td class=\"t m0 xe98 h2e y479a ff1 fs16 fc6 sc0 ls1 ws0\">5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2e y479b ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xcc9 h2e y479c ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xcca h2e y479d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d4 h2e y479e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2e y479f ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2e y47a0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y47a1 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y47a2 ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _20d\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y47a3 w86c hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xdd7 y47a4 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe99 y47a4 w8cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">22,453.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9a y47a4 w8ce ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">10,385.<span class=\"_ _1\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9b y47a4 w8cf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">9<span class=\"_ _4\"></span>,313<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9c y47a4 w7c2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">2,753.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n x9dc y47a4 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47a5 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xddc y47a6 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9d y47a6 w8d0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3,888.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9e y47a6 w7f4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe9f y47a6 w8d1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">12<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xea0 y47a6 w8d2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">3,6<span class=\"_ _0\"></span>60<span class=\"_ _4\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xea1 y47a6 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47a7 w86c hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xde2 y47a8 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xea2 y47a8 w8d3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xea3 y47a8 w183 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xea4 y47a8 w7e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">18.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xea5 y47a8 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x531 y47a8 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47a9 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y47aa w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xea6 y47aa w7eb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">195.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xea7 y47aa w2a8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xea8 y47aa w836 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xea9 y47aa w8d4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">1<span class=\"_ _4\"></span>86.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xeaa y47aa w8d5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">2.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ab w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xdee y47ac w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeab y47ac w8d6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>48<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeac y47ac w6f8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">151.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xead y47ac w8d7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>03<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeae y47ac w8d8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9a wsa0\">793<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeaf y47ac w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ad wa0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf3 y47ae wa2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb0 y47ae w8d9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb1 y47ae w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb2 y47ae w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb3 y47ae wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">8.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb4 y47ae w43b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lscf ws24\">2.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47af wad ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xdf8 y47b0 waf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb5 y47b0 w8da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>14<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb6 y47b0 w346 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">14.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb7 y47b0 w346 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">14.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb8 y47b0 w8db ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">385.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x6d5 y47b0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47b1 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xdfe y47b2 w879 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xeb9 y47b2 w8dc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">368<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xeba y47b2 w749 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xe28 y47b2 wed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xebb y47b2 w710 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">343.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xebc y47b2 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47b3 w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe03 y47b4 w87d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xebd y47b4 w35c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xebe y47b4 w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xebf y47b4 w8dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xec0 y47b4 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xec1 y47b4 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47b5 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe07 y47b5 w87f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">27<span class=\"_ _3\"></span>,<span class=\"_ _0\"></span>37<span class=\"_ _1\"></span>6.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xec2 y47b5 w8de ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">28,460<span class=\"_ _4\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xec3 y47b5 w8df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls42 ws81\">10,<span class=\"_ _0\"></span>718.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xec4 y47b5 w8e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">9<span class=\"_ _4\"></span>,606.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xec5 y47b5 w8e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">8,<span class=\"_ _4\"></span>131.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xec6 y47b5 w8e2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47b6 ff4 fs3 fc5 sc0 ls1 ws0\">Off-balance sheet  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47b7 w8e3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">loan commitments<span class=\"_ _311\"> </span></div></td><td class=\"c n x806 y463c w640 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _1\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xec7 y463c w640 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _1\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xec8 y463c w5ee ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls60 ws64\">999<span class=\"_ _4\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xec9 y463c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xeca y463c w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xecb y463c w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y47b8 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _63\"> </span> <span class=\"_ _c8\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _104\"> </span> <span class=\"_ _ff\"> </span> <span class=\"_ _104\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47b9 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0d y436b w119 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe0e y436b w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xecc y436b w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xecd y436b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xece y436b w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xecf y436b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ba ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y44a5 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe13 y448b w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xed0 y448b w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xed1 y448b w8e4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">2,643.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xed2 y448b w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xed3 y448b w887 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xed4 y448b w8e5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">41<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44a6 w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe19 y4318 w3b5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xed5 y4318 w8e6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">678<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xed6 y4318 w7f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">106.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xed7 y4318 w818 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">320.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xed8 y4318 w8e7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7d ws84\">252<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xed9 y4318 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47bb ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y42e9 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe1f y4268 w6a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xeda y4268 w8e8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">66,59<span class=\"_ _0\"></span>3.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xedb y4268 w8e9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls8d ws91\">561<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xedc y4268 w8ea ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1,<span class=\"_ _4\"></span>931.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xbf7 y4268 w8eb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">9<span class=\"_ _4\"></span>,532.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xedd y4268 w8ec ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">54,5<span class=\"_ _0\"></span>68.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42ea w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe25 y426b w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xede y426b w8ed ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">540.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xedf y426b w8ee ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xee0 y426b w8ef ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xee1 y426b w8f0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">193<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xee2 y426b w8f1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w86 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe2b y426d w893 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>9<span class=\"_ _1\"></span>,731.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xee3 y426d w8f2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">7<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xee4 y426d w8f3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>41<span class=\"_ _0\"></span>1.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xee5 y426d w8f4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xee6 y426d w8f5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">10,10<span class=\"_ _4\"></span>7<span class=\"_ _1\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xee7 y426d w8f6 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls66 ws6a\">54,609<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>9<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w8f7 h104\" id=\"_1e68cac5-dd5b-4c24-ad4d-7b0b4e9ab9aa\"><tr><td></td><td></td><td class=\"t m0 xee8 h2b y47bc ff2 fs16 fc5 sc0 ls1 ws0\">Gross  </td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x965 h2b y47bd ff2 fs16 fc5 sc0 ls1 ws0\">Carrying </td><td class=\"t m0 x53b h2b y47be ff2 fs16 fc5 sc0 ls1 ws0\">inflow/ </td><td class=\"t m0 x859 h2b y47bf ff2 fs16 fc5 sc0 ls1 ws0\">Up to  </td><td class=\"t m0 xe36 h2b y47c0 ff2 fs16 fc5 sc0 ls1 ws0\"> 3 \u2013 12 </td><td></td><td class=\"t m0 x427 h2b y47c1 ff2 fs16 fc5 sc0 ls1 ws0\">More than  </td></tr><tr><td></td><td class=\"t m0 xe37 h2b y47c2 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td><td class=\"t m0 xee9 h2b y47c3 ff2 fs16 fc5 sc0 ls1 ws0\">outflow<span class=\"_ _311\"> </span></td><td class=\"t m0 x539 h2b y47c4 ff2 fs16 fc5 sc0 ls1 ws0\">3 months<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3a h2b y47c5 ff2 fs16 fc5 sc0 ls1 ws0\">months</td><td class=\"t m0 xa31 h2b y47c5 ff2 fs16 fc5 sc0 ls1 ws0\"> 1 \u2013 5 years<span class=\"_ _311\"> </span></td><td class=\"t m0 x423 h2b y47c6 ff2 fs16 fc5 sc0 ls1 ws0\">5 years<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y47c7 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3c h2b y47c8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3d h2b y47c9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xe3e h2b y47ca ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x66d h2b y47cb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x672 h2b y47cb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y47cc ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y47cd ff1 fs3 fc5 sc0 ls1 ws0\">Financial liability by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y47ce w89f h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xe3f y47ce w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xeea y47ce w8f8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">20,0<span class=\"_ _0\"></span>83<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xeeb y47ce w8f9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xeec y47ce w8fa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n xeed y47ce w8fb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2,60<span class=\"_ _0\"></span>5.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xeee y47ce wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47cf w89f haa\"><div class=\"t m0 x253 h16 y425d ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe44 y47cf w8a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xeef y47cf w6f7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">5<span class=\"_ _2\"></span>,4<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xef0 y47cf w732 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"> </span>2<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xef1 y47cf w8fc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">41<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xef2 y47cf w8fd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">4<span class=\"_ _4\"></span>,<span class=\"_ _4\"></span>449<span class=\"_ _1\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xef3 y47cf w22 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">372.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y47d0 w89f h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe4a y47d0 w8a9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xef4 y47d0 w8fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xef5 y47d0 w8aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xef6 y47d0 w8ab ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls113 ws11f\">76<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xef7 y47d0 w30a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xef8 y47d0 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d1 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xde8 y47d1 w8ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">10<span class=\"_ _0\"></span>6.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xef9 y47d1 w8ff ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xefa y47d1 w900 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xefb y47d1 w901 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xc2d y47d1 w349 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">46.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xefc y47d1 w902 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d2 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xe55 y47d2 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xefd y47d2 w903 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xefe y47d2 w240 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>4.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xeff y47d2 w904 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">64.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf00 y47d2 w559 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">17<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf01 y47d2 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d3 w8af ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Le<span class=\"_ _4\"></span>ase liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe5b y47d3 w5dd ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf02 y47d3 w6de ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf03 y47d3 w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf04 y47d3 w905 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf05 y47d3 w587 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x4a1 y47d3 wd9 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d4 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe60 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe61 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe62 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe63 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe64 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xe65 y47d4 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47d5 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xe66 y47d5 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf06 y47d5 w906 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>6.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf07 y47d5 w907 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf08 y47d5 w637 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf09 y47d5 w908 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0a y47d5 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4720 w87e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe6b y471f w8b0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0b y471f w909 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">2<span class=\"_ _0\"></span>6,0<span class=\"_ _0\"></span>64.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0c y471f w90a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7f ws86\">9,<span class=\"_ _2\"></span>8<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0d y471f w90b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7d ws84\">8,50<span class=\"_ _0\"></span>3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0e y471f w90c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8e ws92\">7,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf0f y471f w5f1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">37<span class=\"_ _0\"></span>4.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y47d6 ff4 fs3 fc5 sc0 ls1 ws0\">Off-balance sheet  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47d7 w90d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">loan commitments<span class=\"_ _311\"> </span></div></td><td class=\"c n xf10 y47d7 w641 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>212.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf11 y47d7 w641 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>212.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf12 y47d7 w90e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,2<span class=\"_ _0\"></span>12.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf13 y47d7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf14 y47d7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf15 y47d7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y47d8 ff1 fs3 fc5 sc0 ls1 ws0\">Financial asset by type<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47d9 w8b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xe71 y47d9 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xe72 y47d9 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf16 y47d9 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf17 y47d9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf18 y47d9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf19 y47d9 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y47da ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y46f7 w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xe75 y46f7 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1a y46f7 w63 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,<span class=\"_ _0\"></span>365.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1b y46f7 w90f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1c y46f7 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1d y46f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1e y46f7 w910 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">19<span class=\"_ _0\"></span>0.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y46f8 w83f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xe7b y46f8 w3b6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf1f y46f8 w911 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">444.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf20 y46f8 w912 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5b ws5f\">148.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf21 y46f8 w913 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">3<span class=\"_ _0\"></span>0.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf22 y46f8 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf23 y46f8 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y47db ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47dc w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xe80 y47dc w8bc ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,612<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf24 y47dc w5a8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">5<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf25 y47dc w914 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">43<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xf26 y47dc w915 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"> </span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf27 y47dc w916 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf28 y47dc w917 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">4<span class=\"_ _4\"></span>7<span class=\"_ _3\"></span>,823.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47dd w4d6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xe86 y47dd w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf29 y47dd w8e6 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">820.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2a y47dd w918 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">76<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2b y47dd w919 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2c y47dd w91a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">4<span class=\"_ _0\"></span>84.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2d y47dd w91b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0.4<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w8c0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal assets<span class=\"_ _311\"> </span></div></td><td class=\"c n xe8c y426d w8c1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">2<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2e y426d w91c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">62,57<span class=\"_ _0\"></span>1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xf2f y426d w140 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,831<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf30 y426d w91d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>,94<span class=\"_ _2\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf31 y426d w91e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">8<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf32 y426d w91f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">48,0<span class=\"_ _0\"></span>13.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table>The actual repayment pr<span class=\"_ _4\"></span>ofile of retail deposit<span class=\"_ _4\"></span>s may dif<span class=\"_ _0\"></span>fer fr<span class=\"_ _4\"></span>om the analysis above due to the option of early withdr<span class=\"_ _4\"></span>awal with a penalty. Cash flows on PSBs ar<span class=\"_ _4\"></span>e disclosed up to the next int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate reset date<span class=\"_ _4\"></span>. The actual repayment pr<span class=\"_ _4\"></span>ofile of loans and advances to cus<span class=\"_ _4\"></span>tomers may differ from the analysis abov<span class=\"_ _4\"></span>e since many mor<span class=\"_ _0\"></span>tgage lo<span class=\"_ _4\"></span>ans are repaid prior to the contr<span class=\"_ _4\"></span>actual end date.<span class=\"_ _311\"> </span>Liquidity risk \u2013 asset enc<span class=\"_ _0\"></span>umbrance<span class=\"_ _311\"> </span>Asset encumbrance le<span class=\"_ _4\"></span>vels are monitor<span class=\"_ _4\"></span>ed by AL<span class=\"_ _4\"></span>CO<span class=\"_ _4\"></span>. The following tables pr<span class=\"_ _4\"></span>ovide an analysis of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s encumbered and unencumbere<span class=\"_ _4\"></span>d assets:<span class=\"_ _311\"> </span><table class=\"s w920 h105\" id=\"_03a45db4-7665-4987-890a-926a84d9993b\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2e y47de ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td></td><td></td></tr><tr><td></td><td class=\"c n xf33 y47df w921 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Encumbered<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf34 y47df w922 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">Unencumbered<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x71e h2e y47e0 ff1 fs16 fc6 sc0 ls1 ws0\">Pledged as </td><td></td><td class=\"t m0 xb92 h2e y47e0 ff1 fs16 fc6 sc0 ls1 ws0\">Av<span class=\"_ _4\"></span>ailable as </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x9ee h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x9b5 h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 xae0 h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x9ed h2e y47e1 ff1 fs16 fc6 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2e y47e2 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x87e h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2e y47e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2e y47e3 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y47e4 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y47e5 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xf35 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf36 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf37 y47e6 w119 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf38 y47e6 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf39 y47e6 w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47e7 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47e8 w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3a y47e9 w21 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">198.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3b y47e9 w923 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3c y47e9 w924 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3d y47e9 w925 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"> </span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3e y47e9 w926 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">2<span class=\"_ _0\"></span>,813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ea w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf3f y47eb w927 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf40 y47eb w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf41 y47eb w928 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">5<span class=\"_ _0\"></span>94.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf42 y47eb w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xd95 y47eb w840 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ec ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y47ed ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"c n xf43 y47ee w929 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf44 y47ee w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf45 y47ee w92a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">17<span class=\"_ _3\"></span>,808.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf46 y47ee w1ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>,0<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf47 y47ee w6a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf48 y47ef w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf49 y47ef w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4a y47ef w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4b y47ef w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4c y47ef w72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w92b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Non-financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4d y47f0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4e y47f0 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf4f y47f0 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf50 y47f0 w7a4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">(141<span class=\"_ _4\"></span>.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xc8f y47f0 w92c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">(14<span class=\"_ _4\"></span>1.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf51 y431e w92d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">7<span class=\"_ _3\"></span>,<span class=\"_ _4\"></span>159<span class=\"_ _4\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf52 y431e w923 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">1<span class=\"_ _0\"></span>01<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf53 y431e w92e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">20,660.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf54 y431e w92f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">1,668.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf55 y431e w930 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>9,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span><table class=\"s w5de h106\" id=\"_fe07bb7b-0307-45c1-b628-27f3649ad19f\"><tr><td></td><td></td><td></td><td class=\"t m0 x836 h2b y47f1 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"c n xf56 y47f2 w73b hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Encumbered<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf57 y47f2 w931 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Unencumbered<span class=\"_ _311\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xc3a h2b y47f3 ff2 fs16 fc5 sc0 ls1 ws0\">Pledged as </td><td></td><td class=\"t m0 x7de h2b y47f4 ff2 fs16 fc5 sc0 ls1 ws0\">Available as </td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x4fe h2b y47f5 ff2 fs16 fc5 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e6 h2b y47f5 ff2 fs16 fc5 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e3 h2b y47f6 ff2 fs16 fc5 sc0 ls1 ws0\">collateral<span class=\"_ _311\"> </span></td><td class=\"t m0 x301 h2b y47f6 ff2 fs16 fc5 sc0 ls1 ws0\">Other<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y47f7 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 x7d1 h2b y47f8 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x839 h2b y47f9 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83a h2b y47fa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x83b h2b y47fa ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y47fb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y47fc w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td class=\"c n xf58 y47fc wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf59 y47fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5a y47fc w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5b y47fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5c y47fc w932 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47fd ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y47fe w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5d y47fe w933 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5e y47fe w934 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf5f y47fe w38c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf60 y47fe w935 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf61 y47fe w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y47ea w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf62 y47ea w397 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf63 y47ea wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf64 y47ea w4e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">366.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x862 y47ea wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf65 y47ea w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y47ff ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4800 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></td><td class=\"c n xf66 y4504 w937 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">6<span class=\"_ _0\"></span>,7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf67 y4504 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf68 y4504 w938 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">16,<span class=\"_ _4\"></span>424<span class=\"_ _4\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf69 y4504 w939 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">4<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>3.1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6a y4504 w6b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">23<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6b y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6c y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6d y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6e y44f6 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n xf6f y44f6 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4507 w92b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Non-financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf70 y4507 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf71 y4507 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf72 y4507 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf73 y4507 w93a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(<span class=\"_ _0\"></span>713.<span class=\"_ _1\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n xf74 y4507 w93b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(713.1<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf75 y426d w93c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf76 y426d w93d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf77 y426d w93e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>9<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xf78 y426d w93f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">805.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf79 y426d w88 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>6<span class=\"_ _2\"></span>6<span class=\"_ _2\"> </span>.<span class=\"_ _2\"> </span>7<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>R<span class=\"_ _0\"></span>epres<span class=\"_ _0\"></span>ents a<span class=\"_ _0\"></span>sset<span class=\"_ _0\"></span>s that are n<span class=\"_ _0\"></span>ot pled<span class=\"_ _0\"></span>ged b<span class=\"_ _0\"></span>ut that th<span class=\"_ _0\"></span>e Group b<span class=\"_ _0\"></span>eliev<span class=\"_ _0\"></span>es it is re<span class=\"_ _0\"></span>stric<span class=\"_ _0\"></span>ted fro<span class=\"_ _0\"></span>m using to s<span class=\"_ _0\"></span>ecure f<span class=\"_ _0\"></span>undin<span class=\"_ _0\"></span>g for le<span class=\"_ _0\"></span>gal or oth<span class=\"_ _0\"></span>er reas<span class=\"_ _0\"></span>ons.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>U<span class=\"_ _0\"></span>nencu<span class=\"_ _0\"></span>mbere<span class=\"_ _0\"></span>d loa<span class=\"_ _0\"></span>ns and ad<span class=\"_ _0\"></span>vance<span class=\"_ _0\"></span>s to cust<span class=\"_ _0\"></span>omer<span class=\"_ _0\"></span>s clas<span class=\"_ _0\"></span>sifie<span class=\"_ _0\"></span>d as othe<span class=\"_ _0\"></span>r are res<span class=\"_ _0\"></span>tricte<span class=\"_ _0\"></span>d for us<span class=\"_ _0\"></span>e as col<span class=\"_ _0\"></span>latera<span class=\"_ _0\"></span>l as they ar<span class=\"_ _0\"></span>e; registered ou<span class=\"_ _4\"></span>tside of UK (<span class=\"_ _1\"></span>J<span class=\"_ _0\"></span>ersey a<span class=\"_ _4\"></span>nd Guernsey),<span class=\"_ _4\"></span> not secured by i<span class=\"_ _4\"></span>mmovable property or<span class=\"_ _4\"></span> are non-<span class=\"_ _4\"></span>p<span class=\"_ _0\"></span>erformi<span class=\"_ _4\"></span>ng.<span class=\"_ _311\"> </span>Liquidity risk \u2013 liquidity reser<span class=\"_ _0\"></span>ves<span class=\"_ _311\"> </span>The tables belo<span class=\"_ _4\"></span>w analyse the Group\u2019<span class=\"_ _1\"></span>s liquidity reserves<span class=\"_ _4\"></span>, where carrying value is considered t<span class=\"_ _4\"></span>o be equal to fair v<span class=\"_ _4\"></span>alue:<span class=\"_ _311\"> </span><table class=\"s w50 hc2\" id=\"_82fd6dc6-cca5-47c1-aed6-bd4e1c931b42\"><tr><td></td><td class=\"t m0 x288 h2e y45fa ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y45fa ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y45fb ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m</td><td class=\"t m0 x49d h2b y45fb ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4264 w940 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered balances with centr<span class=\"_ _4\"></span>al banks<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7a y43aa w941 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2<span class=\"_ _0\"></span>,256.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7b y4264 w4dc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">2,806.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 w942 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered cash and balances with other bank<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7c y4270 w943 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7d y4271 w935 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls62 ws66\">1<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w944 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other cash and cash equivalen<span class=\"_ _4\"></span>ts<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7e y43ab w5e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td><td class=\"c n xf7f y4268 w5f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w945 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Unencumbered in<span class=\"_ _4\"></span>vestmen<span class=\"_ _4\"></span>t securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xf80 y4321 w946 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">594.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf81 y426b w947 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5c ws60\">366<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf82 y431e w948 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3,<span class=\"_ _4\"></span>108.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf83 y426d w949 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">3,320.6<span class=\"_ _311\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-494": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa4 wsae gs62a\">Market risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs62b\">Mark<span class=\"_ _4\"></span>et risk is the risk of an adver<span class=\"_ _4\"></span>se change in the Group\u2019<span class=\"_ _3\"></span>s income or the Group\u2019<span class=\"_ _1\"></span>s net worth </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs62c\">arising from mov<span class=\"_ _4\"></span>ement in inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>es, ex<span class=\"_ _4\"></span>change rates or other mark<span class=\"_ _1\"></span>et prices. Mark<span class=\"_ _4\"></span>et risk </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs62d\">exis<span class=\"_ _4\"></span>ts, to some e<span class=\"_ _4\"></span>xtent, in all the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s businesses. The Group recognises that the e<span class=\"_ _4\"></span>f<span class=\"_ _0\"></span>fectiv<span class=\"_ _4\"></span>e </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs62e\">management of mark<span class=\"_ _1\"></span>et risk is essential to the maintenance o<span class=\"_ _4\"></span>f stable earnings and preservation </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs62f\">of shareholder v<span class=\"_ _4\"></span>alue.<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 ls1 ws0 gs630\">Intere<span class=\"_ _0\"></span>st rate risk<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs631\">The primary mark<span class=\"_ _4\"></span>et risk faced by the Group is in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk. Inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e risk is the risk </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs632\">of loss from adv<span class=\"_ _4\"></span>erse mov<span class=\"_ _4\"></span>ement in the ov<span class=\"_ _4\"></span>erall lev<span class=\"_ _4\"></span>el of interes<span class=\"_ _4\"></span>t rates<span class=\"_ _4\"></span>. It arises from mismatches </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs633\">in the timing of repricing o<span class=\"_ _4\"></span>f assets and liabilities, both on and off-balance sheet. The Group </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs634\">does not run a trading book or tak<span class=\"_ _1\"></span>e speculative inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e positions and therefore all in<span class=\"_ _4\"></span>terest </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs635\">rate risk r<span class=\"_ _4\"></span>esides in the banking book (interes<span class=\"_ _4\"></span>t rate risk in the banking book (IRRBB)). IRRBB is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs636\">most pr<span class=\"_ _4\"></span>evalent in mortgage lending and in fixe<span class=\"_ _4\"></span>d rate retail deposit<span class=\"_ _4\"></span>s. Exposure is mitigat<span class=\"_ _4\"></span>ed on </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs637\">a continuous basis through the use o<span class=\"_ _4\"></span>f natural offsets betw<span class=\"_ _4\"></span>een mor<span class=\"_ _0\"></span>tgages and savings with a </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs638\">similar tenure<span class=\"_ _4\"></span>, interes<span class=\"_ _4\"></span>t rate derivativ<span class=\"_ _4\"></span>es and reserve allocations. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs639\">Currently in<span class=\"_ _4\"></span>terest r<span class=\"_ _4\"></span>ate risk is managed separat<span class=\"_ _4\"></span>ely for OSB and CCFS due to the use o<span class=\"_ _4\"></span>f </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63a\">different treasury managemen<span class=\"_ _4\"></span>t and asset and liability management (ALM) syst<span class=\"_ _4\"></span>ems. How<span class=\"_ _4\"></span>ever<span class=\"_ _3\"></span>, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63b\">the methodology applied to the setting o<span class=\"_ _4\"></span>f risk appetites was aligned acr<span class=\"_ _4\"></span>oss the Group in 2020<span class=\"_ _4\"></span>. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63c\">Both Banks apply an economic v<span class=\"_ _4\"></span>alue at risk approach as well as an earnings at risk appr<span class=\"_ _4\"></span>oach </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63d\">for int<span class=\"_ _4\"></span>erest r<span class=\"_ _4\"></span>ate risk and basis risk. The interes<span class=\"_ _4\"></span>t rate sensitivity is impact<span class=\"_ _4\"></span>ed by behavioural </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63e\">assumptions used by the Group; the mos<span class=\"_ _4\"></span>t significant of which are pr<span class=\"_ _4\"></span>epayments and pipeline </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs63f\">tak<span class=\"_ _4\"></span>e up. Expected pr<span class=\"_ _4\"></span>epayments are monitor<span class=\"_ _4\"></span>ed and modelled on a regular basis based upon </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs640\">hist<span class=\"_ _4\"></span>orical analysis. The reserve allocation s<span class=\"_ _4\"></span>trategy is appr<span class=\"_ _4\"></span>oved by AL<span class=\"_ _1\"></span>CO and set to re<span class=\"_ _4\"></span>flect </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs641\">the current balance sheet and futur<span class=\"_ _4\"></span>e plans. The earnings at risk ex<span class=\"_ _4\"></span>cludes the EIR accounting </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs642\">impact of lo<span class=\"_ _4\"></span>wer base rat<span class=\"_ _4\"></span>es in rever<span class=\"_ _4\"></span>sion that is shown as a separ<span class=\"_ _4\"></span>ate sensitivity in note 2: </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs643\">Judgements in applying accounting policies and critic<span class=\"_ _4\"></span>al accounting estimates<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div>Economic value at risk is measur<span class=\"_ _4\"></span>ed using the impact of six different int<span class=\"_ _4\"></span>ernally derived inter<span class=\"_ _4\"></span>est rate scenarios<span class=\"_ _4\"></span>. The internal scenarios are de<span class=\"_ _4\"></span>fined by AL<span class=\"_ _4\"></span>CO and are based on three \u2018<span class=\"_ _1\"></span>shapes<span class=\"_ _1\"></span>\u2019 of curve mov<span class=\"_ _4\"></span>ement (shift, twist and flex). His<span class=\"_ _4\"></span>torical data is used to c<span class=\"_ _4\"></span>alibrate the sev<span class=\"_ _4\"></span>erity of the scenarios to the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _1\"></span>s risk appetite. The Board has set limit<span class=\"_ _4\"></span>s on interes<span class=\"_ _4\"></span>t rate risk exposur<span class=\"_ _4\"></span>e of 2.25% and 1% of CET1 f<span class=\"_ _4\"></span>or OSB and CCFS<span class=\"_ _4\"></span>, respectively. The table belo<span class=\"_ _4\"></span>w shows the maximum decreases to net in<span class=\"_ _4\"></span>terest income under these scenarios after taking in<span class=\"_ _4\"></span>to account the derivatives:<span class=\"_ _311\"> </span><table class=\"s w16e hb4\" id=\"_27232c87-e5a9-4abe-9583-52532ba460ec\"><tr><td></td><td class=\"t m0 x296 h2e y4802 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4802 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4803 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4803 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xf86 y431a w94b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls59 ws46\">2<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xf87 y431b w2fc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">13.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n xf88 y4321 w94c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">1.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf89 y426b w902 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf8a y431e w4a1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">4<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x27e y426d w94d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s w94a h107\" id=\"_1318ce2c-e78e-4887-bd0f-fca985041d1f\"><tr><td class=\"t m0 xf85 h16 y4801 ff4 fs3 fc5 sc0 ls1 ws0\">Exposure for e<span class=\"_ _4\"></span>arnings at risk as at 31 December 2023 is measured by the impact of a +/-<span class=\"_ _311\"> </span></td></tr></table>100bps parallel shift in inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>es on the expected pro<span class=\"_ _4\"></span>fitability of the Group in the next 12 months<span class=\"_ _4\"></span>. The risk appetite limit is 4% of full year net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>. The table below sho<span class=\"_ _4\"></span>ws the maximum decreases after taking int<span class=\"_ _4\"></span>o account the derivatives:<span class=\"_ _311\"> </span><table class=\"s w16e hc8\" id=\"_7df64b02-e673-4fea-9391-db6aa5a7a244\"><tr><td></td><td class=\"t m0 x296 h2e y4804 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4804 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4805 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4805 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8b y4334 w94e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls55 ws5c\">6.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8c y4268 w4ba ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8d y4321 w7f8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">9.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xf8e y426b w587 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">8.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n xf8f y431e w48d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xb2f y426d w94f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _0\"></span>.3<span class=\"_ _311\"> </span></div></td></tr></table>Exposure for e<span class=\"_ _4\"></span>arnings at risk measured by the impact of a +/-100bps par<span class=\"_ _4\"></span>allel shift in interes<span class=\"_ _4\"></span>t rates on the e<span class=\"_ _4\"></span>xpected profit<span class=\"_ _4\"></span>ability of the Group in the next 3 year<span class=\"_ _4\"></span>s. The risk appetite limit is 4% of full year net int<span class=\"_ _4\"></span>erest income<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span><table class=\"s w16e h108\" id=\"_8864069e-bfb4-44eb-a842-54a21cf6a584\"><tr><td></td><td class=\"t m0 x296 h2e y4806 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y4806 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x418 h2e y4807 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4807 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y431b w16f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y439e w950 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9b ws9a\">24.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf90 y431b w951 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">26<span class=\"_ _0\"></span>.2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n x419 y439f w170 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9b ws9a\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xf91 y431d w952 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>4.1<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x7ac y426c w4bc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">50.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x59c y426d w953 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">50.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>The Group is also expose<span class=\"_ _4\"></span>d to basis risk. Basis risk is the risk of loss from an adv<span class=\"_ _4\"></span>erse diver<span class=\"_ _4\"></span>gence in interes<span class=\"_ _4\"></span>t rates<span class=\"_ _4\"></span>. It arises where assets and liabilities reprice from differen<span class=\"_ _4\"></span>t variable r<span class=\"_ _4\"></span>ate indices. These indices may be mark<span class=\"_ _4\"></span>et rates (<span class=\"_ _4\"></span>e.g. bank base r<span class=\"_ _4\"></span>ate or SONIA) or administ<span class=\"_ _4\"></span>ered (e<span class=\"_ _4\"></span>.g. the Group\u2019<span class=\"_ _3\"></span>s SVR, other discretionary v<span class=\"_ _4\"></span>ariable rates<span class=\"_ _4\"></span>, or that received on call accounts with other bank<span class=\"_ _1\"></span>s).<span class=\"_ _311\"> </span>The Group measures basis risk using the impac<span class=\"_ _4\"></span>t of four scenarios on net inter<span class=\"_ _4\"></span>est income ov<span class=\"_ _4\"></span>er a<span class=\"_ _0\"></span> one-year period including mov<span class=\"_ _4\"></span>ements such as div<span class=\"_ _4\"></span>erging base, o<span class=\"_ _4\"></span>vernight and term SONIA r<span class=\"_ _4\"></span>ates. Hist<span class=\"_ _4\"></span>orical data is used to calibrat<span class=\"_ _4\"></span>e the severity of the scenarios t<span class=\"_ _4\"></span>o the Group\u2019<span class=\"_ _1\"></span>s risk appetite<span class=\"_ _4\"></span>. The Board has set a limit on basis risk e<span class=\"_ _4\"></span>xposure of 2.<span class=\"_ _4\"></span>5% of full year net interes<span class=\"_ _4\"></span>t income. The table below sho<span class=\"_ _4\"></span>ws the maximum decreases to net in<span class=\"_ _4\"></span>terest income at 31 December 202<span class=\"_ _4\"></span>3 and 2022:<span class=\"_ _311\"> </span><table class=\"s w259 hc8\" id=\"_b79423a2-5086-408c-8a13-6f7b17624096\"><tr><td></td><td class=\"t m0 x288 h2e y4808 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x289 h2b y4808 ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4809 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4809 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 w54 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls42 ws81\">OSB<span class=\"_ _311\"> </span></div></td><td class=\"c n xf92 y4334 w954 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">7.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x4c9 y4268 w48a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">5.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w172 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></div></td><td class=\"c n xf93 y4321 w2da ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">4.8<span class=\"_ _311\"> </span></div></td><td class=\"c n xf94 y426b w955 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.5<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x879 y431e w749 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">12<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xf95 y426d w5ed ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">10.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr></table>Foreig<span class=\"_ _0\"></span>n e<span class=\"_ _4\"></span>xcha<span class=\"_ _0\"></span>nge rate risk<span class=\"_ _311\"> </span>The Group has limited e<span class=\"_ _4\"></span>xposure to foreign e<span class=\"_ _4\"></span>xchange risk in respect of it<span class=\"_ _4\"></span>s Indian operations. A 5% increase in e<span class=\"_ _4\"></span>xchange rates w<span class=\"_ _4\"></span>ould result in a \u00a30<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>9m (2022: \u00a3<span class=\"_ _4\"></span>0.<span class=\"_ _4\"></span>7<span class=\"_ _4\"></span>m) ef<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ect in profit or loss and \u00a30<span class=\"_ _4\"></span>.6m (2022: \u00a30<span class=\"_ _1\"></span>.5m) in equity.<span class=\"_ _311\"> </span>Structur<span class=\"_ _0\"></span>ed entities<span class=\"_ _311\"> </span>The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>023 were Cant<span class=\"_ _4\"></span>erbury Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury Finance No.<span class=\"_ _4\"></span>5 plc, CMF 202<span class=\"_ _4\"></span>0-1 plc, CMF 2023-<span class=\"_ _4\"></span>1 plc and Keys W<span class=\"_ _1\"></span>arehouse No.<span class=\"_ _1\"></span>1 Limited. These entities hold legal title to a pool o<span class=\"_ _4\"></span>f mor<span class=\"_ _0\"></span>tgages which ar<span class=\"_ _4\"></span>e used as a security for issued debt. The transf<span class=\"_ _4\"></span>er of mortgages fails derecognition criteria because the Group r<span class=\"_ _4\"></span>etained the subordinat<span class=\"_ _4\"></span>ed notes and residual certificates issued and as such did not tr<span class=\"_ _4\"></span>ansfer subst<span class=\"_ _4\"></span>antially the risks and re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership o<span class=\"_ _4\"></span>f the securitised mor<span class=\"_ _0\"></span>tgages<span class=\"_ _4\"></span>. Theref<span class=\"_ _4\"></span>ore, the Group is e<span class=\"_ _4\"></span>xposed to credit, inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e and other risks on the securitised mortgages. Cash flows gener<span class=\"_ _4\"></span>ated from the s<span class=\"_ _4\"></span>tructured entities ar<span class=\"_ _4\"></span>e ring-fenced and are used t<span class=\"_ _4\"></span>o pay interes<span class=\"_ _4\"></span>t and principal of the issued debt securities in a w<span class=\"_ _4\"></span>aterfall order according t<span class=\"_ _4\"></span>o the seniority of the bonds<span class=\"_ _4\"></span>. The structured en<span class=\"_ _4\"></span>tities are self-funded and the Gr<span class=\"_ _4\"></span>oup is not contractually or constructiv<span class=\"_ _4\"></span>ely obliged to pro<span class=\"_ _4\"></span>vide fur<span class=\"_ _0\"></span>ther liquidity or financial support. The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>022 were Cant<span class=\"_ _4\"></span>erbury Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury Finance No.<span class=\"_ _4\"></span>5 plc and CMF 2020-1 plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Unc<span class=\"_ _0\"></span>onsolidat<span class=\"_ _0\"></span>ed struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _311\"> </span>Structured en<span class=\"_ _4\"></span>tities, which w<span class=\"_ _4\"></span>ere sponsored by the Group include Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>tgage Funding 2017<span class=\"_ _1\"></span>-1B plc, Charter Mortgage Funding 2017<span class=\"_ _1\"></span>-1 plc, Precise Mortgage Funding 2018-<span class=\"_ _4\"></span>1B plc, Charter Mortgage Funding 2018-1 plc, Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage Funding 2019-1B plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _1\"></span>1 plc and Precise Mortgage Funding 2020-1B plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>These structur<span class=\"_ _4\"></span>ed entities are not consolidated by the Gr<span class=\"_ _4\"></span>oup, as the Group does not control the entities and is not expose<span class=\"_ _4\"></span>d to the risks and r<span class=\"_ _4\"></span>ewar<span class=\"_ _4\"></span>ds of owner<span class=\"_ _4\"></span>ship from the securitised mortgages. The Group has no con<span class=\"_ _4\"></span>tractual arrangemen<span class=\"_ _4\"></span>ts with the unconsolidated structur<span class=\"_ _4\"></span>ed entities other than the inv<span class=\"_ _4\"></span>estment<span class=\"_ _4\"></span>s disclosed in note 16 and servicing the structured en<span class=\"_ _4\"></span>tities<span class=\"_ _4\"></span>\u2019 mortgage portfolios. The Group has not pro<span class=\"_ _4\"></span>vided any support to the unconsolidated structur<span class=\"_ _4\"></span>ed entities liste<span class=\"_ _4\"></span>d and has no obligation or inten<span class=\"_ _4\"></span>tion to do so.<span class=\"_ _311\"> </span>During 2023 the Group r<span class=\"_ _4\"></span>eceived \u00a35.<span class=\"_ _4\"></span>3m interes<span class=\"_ _4\"></span>t income (2022: \u00a32.6m) and \u00a32.6m servicing income (2022: \u00a34<span class=\"_ _1\"></span>.3m) from unconsolidated s<span class=\"_ _4\"></span>tructured entities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-510": {
   "value": "Structur<span class=\"_ _0\"></span>ed entities<span class=\"_ _311\"> </span>The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>023 were Cant<span class=\"_ _4\"></span>erbury Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury Finance No.<span class=\"_ _4\"></span>5 plc, CMF 202<span class=\"_ _4\"></span>0-1 plc, CMF 2023-<span class=\"_ _4\"></span>1 plc and Keys W<span class=\"_ _1\"></span>arehouse No.<span class=\"_ _1\"></span>1 Limited. These entities hold legal title to a pool o<span class=\"_ _4\"></span>f mor<span class=\"_ _0\"></span>tgages which ar<span class=\"_ _4\"></span>e used as a security for issued debt. The transf<span class=\"_ _4\"></span>er of mortgages fails derecognition criteria because the Group r<span class=\"_ _4\"></span>etained the subordinat<span class=\"_ _4\"></span>ed notes and residual certificates issued and as such did not tr<span class=\"_ _4\"></span>ansfer subst<span class=\"_ _4\"></span>antially the risks and re<span class=\"_ _4\"></span>wards o<span class=\"_ _4\"></span>f ownership o<span class=\"_ _4\"></span>f the securitised mor<span class=\"_ _0\"></span>tgages<span class=\"_ _4\"></span>. Theref<span class=\"_ _4\"></span>ore, the Group is e<span class=\"_ _4\"></span>xposed to credit, inter<span class=\"_ _4\"></span>est rat<span class=\"_ _4\"></span>e and other risks on the securitised mortgages. Cash flows gener<span class=\"_ _4\"></span>ated from the s<span class=\"_ _4\"></span>tructured entities ar<span class=\"_ _4\"></span>e ring-fenced and are used t<span class=\"_ _4\"></span>o pay interes<span class=\"_ _4\"></span>t and principal of the issued debt securities in a w<span class=\"_ _4\"></span>aterfall order according t<span class=\"_ _4\"></span>o the seniority of the bonds<span class=\"_ _4\"></span>. The structured en<span class=\"_ _4\"></span>tities are self-funded and the Gr<span class=\"_ _4\"></span>oup is not contractually or constructiv<span class=\"_ _4\"></span>ely obliged to pro<span class=\"_ _4\"></span>vide fur<span class=\"_ _0\"></span>ther liquidity or financial support. The structur<span class=\"_ _4\"></span>ed entities consolidated within the Group at 31 December 2<span class=\"_ _4\"></span>022 were Cant<span class=\"_ _4\"></span>erbury Finance No.2 plc<span class=\"_ _4\"></span>, Canterbury Finance No.<span class=\"_ _4\"></span>3 plc, Canterbury Finance No<span class=\"_ _4\"></span>.<span class=\"_ _1\"></span>4 plc, Canterbury Finance No.<span class=\"_ _4\"></span>5 plc and CMF 2020-1 plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Content<span class=\"_ _4\"></span>s",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutConsolidatedStructuredEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-511": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa1 wsa8 gs675\">Unc<span class=\"_ _0\"></span>onsolidat<span class=\"_ _0\"></span>ed struc<span class=\"_ _0\"></span>tured entities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs676\">Structured en<span class=\"_ _4\"></span>tities, which w<span class=\"_ _4\"></span>ere sponsored by the Group include Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>tgage Funding </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs677\">2017<span class=\"_ _1\"></span>-1B plc, Charter Mortgage Funding 2017<span class=\"_ _1\"></span>-1 plc, Precise Mortgage Funding 2018-<span class=\"_ _4\"></span>1B plc, </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs678\">Charter Mortgage Funding 2018-1 plc, Pr<span class=\"_ _4\"></span>ecise Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage Funding 2019-1B plc<span class=\"_ _4\"></span>, Canterbury </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs679\">Finance No.<span class=\"_ _1\"></span>1 plc and Precise Mortgage Funding 2020-1B plc<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67a\">These structur<span class=\"_ _4\"></span>ed entities are not consolidated by the Gr<span class=\"_ _4\"></span>oup, as the Group does not control </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67b\">the entities and is not expose<span class=\"_ _4\"></span>d to the risks and r<span class=\"_ _4\"></span>ewar<span class=\"_ _4\"></span>ds of owner<span class=\"_ _4\"></span>ship from the securitised </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67c\">mortgages. The Group has no con<span class=\"_ _4\"></span>tractual arrangemen<span class=\"_ _4\"></span>ts with the unconsolidated structur<span class=\"_ _4\"></span>ed </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67d\">entities other than the inv<span class=\"_ _4\"></span>estment<span class=\"_ _4\"></span>s disclosed in note 16 and servicing the structured en<span class=\"_ _4\"></span>tities<span class=\"_ _4\"></span>\u2019 </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67e\">mortgage portfolios. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs67f\">The Group has not pro<span class=\"_ _4\"></span>vided any support to the unconsolidated structur<span class=\"_ _4\"></span>ed entities liste<span class=\"_ _4\"></span>d and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs680\">has no obligation or inten<span class=\"_ _4\"></span>tion to do so.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs681\">During 2023 the Group r<span class=\"_ _4\"></span>eceived \u00a35.<span class=\"_ _4\"></span>3m interes<span class=\"_ _4\"></span>t income (2022: \u00a32.6m) and \u00a32.6m servicing </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs682\">income (2022: \u00a34<span class=\"_ _1\"></span>.3m) from unconsolidated s<span class=\"_ _4\"></span>tructured entities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInUnconsolidatedStructuredEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-495": {
   "value": "<div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsf8 wsff gs684\">i. <span class=\"_ _27\"> </span>Fin<span class=\"_ _0\"></span>ancial asset<span class=\"_ _0\"></span>s and financi<span class=\"_ _0\"></span>al liabilities<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs685\">The follo<span class=\"_ _4\"></span>wing table sets out the classification of financial ins<span class=\"_ _4\"></span>truments in the Consolidated </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs686\">Statemen<span class=\"_ _4\"></span>t of Financial Position:<span class=\"_ _311\"> </span></div><div class=\"gs687\"><table class=\"s w956 h109\" id=\"_3dc2084d-b96c-4058-8c50-344d95f7904e\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2e y480a ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2e y480b ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xf96 h2e y480c ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x9b5 h2e y480d ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xae4 h2e y480e ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x71d h2e y480f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2e y4810 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2e y4811 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xf97 h2e y4811 ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 x2f8 h2e y4812 ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x837 h2e y4813 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td></tr><tr><td></td><td class=\"t m0 xd44 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\"> <span class=\"_ _4b\"> </span>Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d7 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xf99 h2e y4816 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y4817 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4818 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff1\"> <span class=\"_ _67\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4819 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf9a y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9b y481a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9c y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9d y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e1 y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y481b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y481c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y481c w61 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9f y481d w19b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa0 y481d w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa1 y481d w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa2 y481d w957 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa3 y481d w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2,<span class=\"_ _0\"></span>813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y481e w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y481e w3f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa5 y481f w567 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa6 y481f w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa7 y481f w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa8 y481f w958 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa9 y481f w959 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4820 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4821 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y4821 w95a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n xfab y4822 w187 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfac y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfad y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y4822 w3c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">25,<span class=\"_ _0\"></span>751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfae y4822 w95b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4823 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y4823 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb0 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb1 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb2 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb3 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb4 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4825 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y426b w75 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb6 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb7 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y426a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb9 y426a w95c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a2 y426a w95d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xfba y426c w95e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">24.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbb y426c w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbc y426c w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbd y426c w95f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbe y426c w960 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">29<span class=\"_ _1\"></span>,743.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs688\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h2e ff1 fs16 fc6 sc0 ls1 ws0 gs689\"> <span class=\"_ _4b\"> </span>Note<span class=\"_ _311\"> </span></div><div class=\"gs68a\"><table class=\"s w961 h10a\" id=\"_de427da3-50e4-4e70-8768-455ca183e472\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x429 h2e y4826 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9d4 h2e y4827 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xabd h2e y4828 ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x964 h2e y4829 ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xab7 h2e y482a ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x42b h2e y482b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xfbf h2e y482c ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc0 h2e y482d ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc1 h2e y482d ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y482e ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x537 h2e y482f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xc71 h2e y4830 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4832 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4833 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4834 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span></span> <span class=\"_ _ff\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4835 w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc4 y4835 w8e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc5 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc6 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc7 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc8 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc9 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y437f w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y437f w8a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcb y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcc y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcd y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfce y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcf y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4837 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd0 y4837 w962 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd1 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd2 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd3 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd4 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd5 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4396 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4396 w9a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd7 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd8 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd9 y4397 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfda y4397 w9b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdb y4397 w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdc y42e5 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdd y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfde y4398 w963 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdf y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe0 y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe1 y4398 w9e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4839 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfe2 y4264 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe3 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe4 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe5 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe6 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe7 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe8 y4266 w966 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">36<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe9 y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfea y4351 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfeb y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfec y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfed y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfee y4268 w967 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n xfef y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff0 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff1 y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff2 y4334 w619 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xff3 y4334 w6dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xff4 y426b w968 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n xff5 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff6 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff7 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff8 y4321 w61a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xff9 y4321 wb6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffb y431e w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xffc y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffd y431e w969 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xffe y431e w96a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs68b\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs68c\">1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs68d\">2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ffa fs3 fc0 sc0 ls1 ws0 gs68e\">Content<span class=\"_ _4\"></span>s Generation \u2013 Page<span class=\"_ _34\"> </span><span class=\"ffb\">Content<span class=\"_ _4\"></span>s Generation \u2013 Sub Page<span class=\"_ _311\"> </span></span></div><table class=\"s w96b h10b\" id=\"_92d6a322-030a-4447-8bbb-3f13d30f039a\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2b y483a ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2b y483b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xe97 h2b y483c ff2 fs16 fc5 sc0 ls1 ws0\">Designated </td><td class=\"t m0 xcd0 h2b y483d ff2 fs16 fc5 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xfff h2b y483e ff2 fs16 fc5 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x837 h2b y483f ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2b y4840 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y4842 ff2 fs16 fc5 sc0 lsb0 ws45\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 xe98 h2b y4843 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xcce h2b y4844 ff2 fs16 fc5 sc0 ls111 ws11d\">Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2b y4844 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4846 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4847 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4848 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4849 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1000 y4849 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1001 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1002 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1003 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1004 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484a ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484b w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y484b w61 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y484b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1008 y484b w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1009 y484b w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484c w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y484c w3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n x100a y484c w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x100b y484c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x100c y484c w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x100d y484c w96d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x100e y484c w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484d ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484e w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y484e w95a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n x100f y484e w96e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1010 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1011 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1012 y484e w3c4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1013 y484e w96f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484f w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y484f w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1014 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1015 y484f w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1016 y484f w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1017 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1018 y484f w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4850 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y4851 w75 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n x1019 y4851 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101a y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101b y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101c y4851 w2aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x101d y4851 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x101e y4852 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x101f y4852 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1020 y4852 w3a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1021 y4852 w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _33\"> </span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1022 y4852 w971 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28,28<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4853 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1023 y4854 w8e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n x1024 y4854 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1025 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1026 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1027 y4854 w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1028 y4854 w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y4855 w973 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y4855 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1029 y4855 w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y4855 w974 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x102b y4856 w96 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n x102c y4856 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102d y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102e y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102f y4856 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1030 y4856 w8fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4857 w9a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n x1031 y4857 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1032 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1033 y4857 w976 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1034 y4857 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4858 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1035 y4858 w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1036 y4858 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1037 y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1038 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1039 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103a y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4859 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y485a w2e1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n x103b y485a w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103c y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103d y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103e y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x103f y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1040 y44f6 wb2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n x1041 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1042 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1043 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1044 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1045 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1046 y44f7 wb5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n x1047 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1048 y44f7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1049 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104a y44f7 wb7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x104b y44f7 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104c y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x104d y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104e y426d w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x104f y426d w978 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>The Group has no non-derivativ<span class=\"_ _4\"></span>e financial assets or financial liabilities classified as held for<span class=\"_ gs27\"> </span>tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-522": {
   "value": "i. <span class=\"_ _27\"> </span>Fin<span class=\"_ _0\"></span>ancial asset<span class=\"_ _0\"></span>s and financi<span class=\"_ _0\"></span>al liabilities<span class=\"_ _311\"> </span>The follo<span class=\"_ _4\"></span>wing table sets out the classification of financial ins<span class=\"_ _4\"></span>truments in the Consolidated Statemen<span class=\"_ _4\"></span>t of Financial Position:<span class=\"_ _311\"> </span><table class=\"s w956 h109\" id=\"_3dc2084d-b96c-4058-8c50-344d95f7904e\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2e y480a ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2e y480b ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xf96 h2e y480c ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x9b5 h2e y480d ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xae4 h2e y480e ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x71d h2e y480f ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2e y4810 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2e y4811 ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xf97 h2e y4811 ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 x2f8 h2e y4812 ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x837 h2e y4813 ff1 fs16 fc6 sc0 ls1 ws0\">amount</td></tr><tr><td></td><td class=\"t m0 xd44 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\"> <span class=\"_ _4b\"> </span>Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2e y4814 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7d7 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2e y4815 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xf99 h2e y4816 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2e y4817 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4818 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff1\"> <span class=\"_ _67\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4819 w5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n xf9a y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9b y481a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9c y481a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9d y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x4e1 y481a w11d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y481b ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y481c w884 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y481c w61 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9f y481d w19b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">10.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa0 y481d w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa1 y481d w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa2 y481d w957 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>02<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa3 y481d w39b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">2,<span class=\"_ _0\"></span>813.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y481e w64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y481e w3f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa5 y481f w567 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa6 y481f w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa7 y481f w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa8 y481f w958 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">325.<span class=\"_ _4\"></span>4<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa9 y481f w959 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls58 ws5d\">621<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4820 ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4821 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y4821 w95a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n xfab y4822 w187 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">13<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfac y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfad y4822 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x41d y4822 w3c3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">25,<span class=\"_ _0\"></span>751.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfae y4822 w95b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4823 w70 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y4823 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb0 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb1 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb2 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb3 y4824 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb4 y4824 w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4825 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y426b w75 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb6 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb7 y426a w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y426a w31 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb9 y426a w95c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x7a2 y426a w95d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">1<span class=\"_ _0\"></span>1.9<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xfba y426c w95e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">24.7<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbb y426c w72 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">530.6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbc y426c w3a2 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1c ws1d\">296.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbd y426c w95f ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">28,891.<span class=\"_ _1\"></span>9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfbe y426c w960 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">29<span class=\"_ _1\"></span>,743.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr></table>1<span class=\"_ _311\"> </span>Note<span class=\"_ _311\"> </span><table class=\"s w961 h10a\" id=\"_de427da3-50e4-4e70-8768-455ca183e472\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x429 h2e y4826 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x9d4 h2e y4827 ff1 fs16 fc6 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xabd h2e y4828 ff1 fs16 fc6 sc0 ls1 ws0\">Designated </td><td class=\"t m0 x964 h2e y4829 ff1 fs16 fc6 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xab7 h2e y482a ff1 fs16 fc6 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x42b h2e y482b ff1 fs16 fc6 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xfbf h2e y482c ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc0 h2e y482d ff1 fs16 fc6 sc0 ls1 ws0\">FV<span class=\"_ _0\"></span>TPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc1 h2e y482d ff1 fs16 fc6 sc0 lsb wsdb\">F<span class=\"_ _0\"></span>VOC<span class=\"_ _0\"></span>I<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc2 h2e y482e ff1 fs16 fc6 sc0 ls17 ws134\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 x537 h2e y482f ff1 fs16 fc6 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 xc71 h2e y4830 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x8c3 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7b5 h2e y4831 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xfc3 h2e y4832 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y4833 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y4834 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span></span> <span class=\"_ _ff\"> </span> <span class=\"_ _49\"> </span> <span class=\"_ _191\"> </span> <span class=\"_ _191\"> </span> </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4835 w89f hb2\"><div class=\"t m0 x253 h16 y4301 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc4 y4835 w8e ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc5 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc6 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc7 y4836 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc8 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,1<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n xfc9 y4836 w8f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8c ws90\">2<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>,12<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y437f w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y437f w8a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcb y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcc y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcd y4380 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfce y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td><td class=\"c n xfcf y4380 w8b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">3,575.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4837 w89f hac\"><div class=\"t m0 x253 h16 y4263 ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd0 y4837 w962 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd1 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd2 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd3 y4838 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd4 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd5 y4838 w586 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">63.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4396 w99 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4396 w9a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd7 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd8 y4397 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd9 y4397 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfda y4397 w9b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818.5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdb y4397 w5cd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">818<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y42e5 w9d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdc y42e5 w71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdd y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfde y4398 w963 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _2\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xfdf y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe0 y4398 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe1 y4398 w9e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y4839 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfe2 y4264 w2e1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe3 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe4 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe5 y4393 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe6 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe7 y4393 w964 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">3<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 w965 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Senior notes<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe8 y4266 w966 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls84 ws55\">36<span class=\"_ _311\"> </span></div></td><td class=\"c n xfe9 y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfea y4351 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfeb y4351 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfec y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xfed y4351 w5e9 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">3<span class=\"_ _2\"></span>0<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wb1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfee y4268 w967 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n xfef y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff0 y4334 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff1 y4334 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff2 y4334 w619 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n xff3 y4334 w6dd ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b w87c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n xff4 y426b w968 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n xff5 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff6 y4321 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff7 y4321 w31e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xff8 y4321 w61a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n xff9 y4321 wb6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">15.2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffb y431e w873 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xffc y431e w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xffd y431e w969 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n xffe y431e w96a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls8b ws8f\">2<span class=\"_ _2\"></span>7,<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>.<span class=\"_ _2\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table>2<span class=\"_ _311\"> </span>1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span>2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span>Content<span class=\"_ _4\"></span>s Generation \u2013 Page<span class=\"_ _34\"> </span><span class=\"ffb\">Content<span class=\"_ _4\"></span>s Generation \u2013 Sub Page<span class=\"_ _311\"> </span></span><div class=\"gs690\"><table class=\"s w96b h10b\" id=\"_92d6a322-030a-4447-8bbb-3f13d30f039a\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x725 h2b y483a ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x297 h2b y483b ff2 fs16 fc5 sc0 ls1 ws0\">T<span class=\"_ _4\"></span>otal </td></tr><tr><td></td><td></td><td class=\"t m0 xe97 h2b y483c ff2 fs16 fc5 sc0 ls1 ws0\">Designated </td><td class=\"t m0 xcd0 h2b y483d ff2 fs16 fc5 sc0 ls1 ws0\">Mandatorily </td><td></td><td class=\"t m0 xfff h2b y483e ff2 fs16 fc5 sc0 ls1 ws0\">Amortised </td><td class=\"t m0 x837 h2b y483f ff2 fs16 fc5 sc0 ls1 ws0\">carrying </td></tr><tr><td></td><td></td><td class=\"t m0 xcca h2b y4840 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 x74d h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVTPL<span class=\"_ _311\"> </span></td><td class=\"t m0 xdd6 h2b y4841 ff2 fs16 fc5 sc0 ls1 ws0\">FVOCI<span class=\"_ _311\"> </span></td><td class=\"t m0 x74f h2b y4842 ff2 fs16 fc5 sc0 lsb0 ws45\">cost<span class=\"_ _311\"> </span></td><td class=\"t m0 xe98 h2b y4843 ff2 fs16 fc5 sc0 ls1 ws0\">amount<span class=\"_ _311\"> </span></td></tr><tr><td></td><td class=\"t m0 xcce h2b y4844 ff2 fs16 fc5 sc0 ls111 ws11d\">Note<span class=\"_ _311\"> </span></td><td class=\"t m0 xf98 h2b y4844 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x7e1 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x729 h2b y4845 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x883 h2b y4846 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y4847 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4848 ff1 fs3 fc5 sc0 ls2e wsa1\">Assets<span class=\"_ _2d8\"> </span><span class=\"ff4 ls1 ws0\"> <span class=\"_ _49\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4849 w5d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Cash in hand<span class=\"_ _311\"> </span></div></td><td></td><td class=\"c n x1000 y4849 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1001 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1002 y4849 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1003 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1004 y4849 w5f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484a ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484b w884 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xf9e y484b w61 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y484b wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y484b w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1008 y484b w96c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,3<span class=\"_ _0\"></span>65.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1009 y484b w5a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">3,365.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484c w64 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Inv<span class=\"_ _4\"></span>estment securities<span class=\"_ _311\"> </span></div></td><td class=\"c n xfa4 y484c w3f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls72 ws78\">16<span class=\"_ _311\"> </span></div></td><td class=\"c n x100a y484c w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x100b y484c wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x100c y484c w860 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x100d y484c w96d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls44 ws6d\">262.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x100e y484c w936 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">4<span class=\"_ _0\"></span>12<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y484d ff4 fs3 fc5 sc0 ls1 ws0\">Lo<span class=\"_ _4\"></span>ans and advances  </td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y484e w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaa y484e w95a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _311\"> </span></div></td><td class=\"c n x100f y484e w96e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">14.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1010 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1011 y484e wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1012 y484e w3c4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">23,598.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1013 y484e w96f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>612.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y484f w70 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xfaf y484f w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1014 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1015 y484f w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1016 y484f w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1017 y484f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1018 y484f w73 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _4\"></span>1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4850 ff4 fs3 fc5 sc0 ls1 ws0\">Other assets<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y4851 w75 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">24<span class=\"_ _311\"> </span></div></td><td class=\"c n x1019 y4851 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101a y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101b y4851 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x101c y4851 w2aa ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x101d y4851 w577 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.8<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x101e y4852 w595 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">15<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x101f y4852 w79d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">888.<span class=\"_ _1\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1020 y4852 w3a3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1021 y4852 w970 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8e ws92\">2<span class=\"_ _33\"> </span>7,<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>2<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1022 y4852 w971 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28,28<span class=\"_ _0\"></span>1<span class=\"_ _4\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4853 ff1 fs3 fc5 sc0 ls1 ws0\">Liabilities<span class=\"_ _1a7\"> </span><span class=\"ff4\"> <span class=\"_ _191\"> </span> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x254 y4854 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">retail deposit<span class=\"_ _4\"></span>ors<span class=\"_ _311\"> </span></div></td><td class=\"c n x1023 y4854 w8e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsff ws39\">29<span class=\"_ _311\"> </span></div></td><td class=\"c n x1024 y4854 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1025 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1026 y4854 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1027 y4854 w972 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1028 y4854 w90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7f ws86\">1<span class=\"_ _0\"></span>9,<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4855 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">credit ins<span class=\"_ _4\"></span>titutions<span class=\"_ _311\"> </span></div></td><td class=\"c n xfca y4855 w973 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">28<span class=\"_ _311\"> </span></div></td><td class=\"c n x1005 y4855 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1006 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1007 y4855 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1029 y4855 w5bb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x102a y4855 w974 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y4856 w86c h102\"><div class=\"t m0 x253 h16 y477e ff4 fs3 fc5 sc0 ls1 ws0\">Amounts o<span class=\"_ _4\"></span>wed to<span class=\"_ _311\"> </span></div><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">other cust<span class=\"_ _4\"></span>omers<span class=\"_ _311\"> </span></div></td><td class=\"c n x102b y4856 w96 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse3 ws10a\">30<span class=\"_ _311\"> </span></div></td><td class=\"c n x102c y4856 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102d y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102e y4856 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x102f y4856 w975 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">1<span class=\"_ _0\"></span>13<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1030 y4856 w8fe ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">11<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4857 w99 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Debt securities in issue<span class=\"_ _311\"> </span></div></td><td class=\"c n xfd6 y4857 w9a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls9b ws9a\">31<span class=\"_ _311\"> </span></div></td><td class=\"c n x1031 y4857 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1032 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xfb8 y4857 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1033 y4857 w976 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>65<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1034 y4857 w5c2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4858 w9d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Derivative liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1035 y4858 w71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls66 ws6a\">22<span class=\"_ _311\"> </span></div></td><td class=\"c n x1036 y4858 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1037 y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1038 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1039 y4858 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103a y4858 w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4859 ff4 fs3 fc5 sc0 ls1 ws0\">Other liabilities<span class=\"_ _311\"> </span></td><td class=\"c n xfb5 y485a w2e1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lscf ws24\">33<span class=\"_ _311\"> </span></div></td><td class=\"c n x103b y485a w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103c y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103d y485a wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x103e y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x103f y485a w575 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">3<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f6 wb1 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Subordinate<span class=\"_ _4\"></span>d liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x1040 y44f6 wb2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls85 ws8a\">37<span class=\"_ _311\"> </span></div></td><td class=\"c n x1041 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1042 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1043 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1044 y44f6 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1045 y44f6 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y44f7 w87c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">PSBs<span class=\"_ _311\"> </span></div></td><td class=\"c n x1046 y44f7 wb5 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls3e ws41\">38<span class=\"_ _311\"> </span></div></td><td class=\"c n x1047 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1048 y44f7 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1049 y44f7 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104a y44f7 wb7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x104b y44f7 w5f3 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lse0 ws99\">15.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n xffa y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104c y426d w9f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">106.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x104d y426d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x104e y426d w977 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls55 ws5c\">25,281.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x104f y426d w978 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">2<span class=\"_ _2\"></span>5<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs691\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs692\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs693\">1. <span class=\"_ _17\"> </span>B<span class=\"_ _0\"></span>ala<span class=\"_ _4\"></span>nce excludes prepay<span class=\"_ _4\"></span>ments.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs694\">2. <span class=\"_ _1b\"> </span>Balance excl<span class=\"_ _4\"></span>udes deferred income.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs695\">The Group has no non-derivativ<span class=\"_ _4\"></span>e financial assets or financial liabilities classified as held </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws10a gs696\">for<span class=\"_ gs27\"> </span>tr<span class=\"_ _4\"></span>ading.<span class=\"_ _311\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws13b gs6fe\">46. Pension <span class=\"_ _0\"></span>scheme<span class=\"_ _311\"> </span></div><div class=\"t m0 h2f ff3 fs4 fc5 sc0 lsa3 wsad gs6ff\">Defined contri<span class=\"_ _4\"></span>bution scheme<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs700\">The amount char<span class=\"_ _4\"></span>ged to profit or loss in respect o<span class=\"_ _4\"></span>f contributions to the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s defined </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs701\">contribution and s<span class=\"_ _4\"></span>tak<span class=\"_ _4\"></span>eholder pension arrangements is the contribution payable in the perio<span class=\"_ _4\"></span>d. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs702\">The total pension cos<span class=\"_ _4\"></span>t in the year amounted to \u00a34<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>9m (2022: \u00a34<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>4m).</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDefinedContributionPlansExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs704\">47<span class=\"_ _3d\"></span>. <span class=\"_ _33\"></span>Oper<span class=\"_ _4\"></span>ating se<span class=\"_ _0\"></span>gmen<span class=\"_ _4\"></span>ts<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs705\">The Group segment<span class=\"_ _4\"></span>s its lending business and operates under tw<span class=\"_ _4\"></span>o segments in line with int<span class=\"_ _4\"></span>ernal </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs706\">reporting to the Board: </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs707\">\u2022 <span class=\"_ _26\"> </span><span class=\"ls42 ws81\">OS<span class=\"_ _0\"></span>B<span class=\"_ _311\"> </span></span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs708\">\u2022 <span class=\"_ _26\"> </span>CCFS<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs709\">The Group separ<span class=\"_ _4\"></span>ately discloses the impact of Combination accounting but does not consider </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs70a\">this a business segment.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs70b\">The financial position and results o<span class=\"_ _4\"></span>f operations of the abov<span class=\"_ _4\"></span>e segments are summarise<span class=\"_ _4\"></span>d below:<span class=\"_ _311\"> </span></div><div class=\"gs70c\"><table class=\"s w9de h111\" id=\"_d6739899-066b-4992-a569-75cb193b8bab\"><tr><td></td><td class=\"t m0 xfbf h2e y48cf ff1 fs16 fc6 sc0 lsdf wse7\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x1174 h2e y48cf ff1 fs16 fc6 sc0 ls17 ws134\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x421 h2e y48cf ff1 fs16 fc6 sc0 ls1 ws0\">Combination<span class=\"_ _311\"> </span></td><td class=\"t m0 x9d4 h2e y48cf ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2e y48d0 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 x6fb h2e y48d0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x857 h2e y48d0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28a h2e y48d0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2e y48d0 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y48d1 ff4 fs3 fc5 sc0 ls1 ws0\">Balances at the reporting date<span class=\"_ _11d\"> </span><span class=\"ff1\"> <span class=\"_ _21c\"> </span> <span class=\"_ _146\"> </span> <span class=\"_ _21c\"> </span> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x28f h16 y48d2 ff4 fs3 fc5 sc0 ls1 ws0\">Gross loans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48d3 w88b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x1175 y48d4 w6b2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>4<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1176 y48d4 w9df ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">1<span class=\"_ _2\"></span>1<span class=\"_ _2\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1177 y48d4 w9e0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">24.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1178 y48d4 w9e1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls11d ws130\">2<span class=\"_ _0\"></span>5,9<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48d5 w9e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Expected cr<span class=\"_ _4\"></span>edit losses<span class=\"_ _311\"> </span></div></td><td class=\"c n x1179 y48d6 w7d6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">(111<span class=\"_ _0\"></span>.<span class=\"_ _4\"></span>1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x117a y48d6 w9e3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(3<span class=\"_ _0\"></span>5.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x117b y48d6 w2e5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">1<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x117c y48d6 w9e4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(1<span class=\"_ _0\"></span>45.8)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48d7 w9e5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws7d\">Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x117d y48d8 w9e6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls42 ws81\">14,398.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x117e y48d8 w9e7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">11<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>341<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x117f y48d8 w9e8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">2<span class=\"_ _0\"></span>5.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1180 y48d8 w6a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls98 ws9e\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>76<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48d9 w9e9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Capital expenditur<span class=\"_ _4\"></span>e<span class=\"_ _311\"> </span></div></td><td class=\"c n x1181 y48da w9ea ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls9b ws9a\">25.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x1182 y48da w124 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1183 y48da w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1184 y48da w4ae ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7a ws80\">25.8<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48db w9eb ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Depreciation and amortisation<span class=\"_ _311\"> </span></div></td><td class=\"c n x1185 y48dc w4a0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x1186 y48dc w329 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 lsd ws7\">3.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1187 y48dc w26a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">1.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1188 y48dc w981 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">11<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y48dd ff1 fs3 fc5 sc0 ls1 ws0\">Profit or loss for the year<span class=\"_ _229\"> </span> <span class=\"_ _21c\"> </span> <span class=\"_ _146\"> </span> <span class=\"_ _21c\"> </span> </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48de w9ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Net interest income/(e<span class=\"_ _4\"></span>xpense)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1189 y48de w372 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">473<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>8<span class=\"_ _311\"> </span></div></td><td class=\"c n x118a y48de w9ed ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">2<span class=\"_ _0\"></span>40<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x118b y48de w9ee ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x118c y48de w9ef ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">658<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48df w9f0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Other (e<span class=\"_ _4\"></span>xpense)/income<span class=\"_ _311\"> </span></div></td><td class=\"c n x118d y48df w28c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x118e y48df w9f1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">(3.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x118f y48df w20a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1190 y48df w9f2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48e0 w9f3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal inc<span class=\"_ _0\"></span>ome/(<span class=\"_ _4\"></span>expense<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1191 y48e0 w9f4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6e ws74\">470.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1192 y48e0 w9f5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">2<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x1193 y48e0 w9f6 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1194 y48e0 w21 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48e1 w2b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Impairment of financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x1195 y48e2 w9f7 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>41.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1196 y48e2 w9f8 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">(6<span class=\"_ _0\"></span>.9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1197 y48e2 w9e0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1198 y48e2 w9f9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(<span class=\"_ _0\"></span>48.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48e3 w9fa ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Contribution to profit<span class=\"_ _311\"> </span></div></td><td class=\"c n x1199 y48e3 w9fb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">4<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x119a y48e3 w9fc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">230.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x263 y48e3 w9fd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls79 ws7f\">(5<span class=\"_ _0\"></span>0.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x119b y48e3 w9fe ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">6<span class=\"_ _0\"></span>0<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48e4 w9ff ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Administr<span class=\"_ _4\"></span>ative expenses<span class=\"_ _311\"> </span></div></td><td class=\"c n x119c y48e5 wa00 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">(132.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x119d y48e5 wa01 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>0.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x119e y48e5 w55d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls74 ws7a\">(1.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x67e y48e5 wa02 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(23<span class=\"_ _0\"></span>4.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48e6 w27 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n x119f y48e7 wa03 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a0 y48e7 w10d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(0<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a1 y48e7 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a2 y48e7 w118 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(<span class=\"_ _0\"></span>0.4)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48e8 wa04 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Profit/(loss) before taxation<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a3 y48e8 w663 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls42 ws81\">296.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a4 y48e8 wa05 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">1<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a5 y48e8 wa06 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls9a wsa0\">(<span class=\"_ _0\"></span>51.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a6 y48e8 w24c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">37<span class=\"_ _0\"></span>4.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y48e9 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>axation<span class=\"_ _311\"> </span></td><td class=\"c n x1077 y4507 wa07 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6f ws75\">(<span class=\"_ _0\"></span>75<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a7 y4507 wa08 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls85 ws8a\">(3<span class=\"_ _0\"></span>0.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a8 y4507 w54 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">14.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x11a9 y4507 wa09 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">(91.<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wa0a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Profit/(loss) for the year<span class=\"_ _311\"> </span></div></td><td class=\"c n x11aa y426d wa0b ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">220.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ab y426d w486 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">9<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ac y426d wa0c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _0\"></span>3<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ad y426d w10e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7a ws80\">282<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs70d\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs70e\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he taxati<span class=\"_ _0\"></span>on on Co<span class=\"_ _0\"></span>mbinat<span class=\"_ _0\"></span>ion cre<span class=\"_ _0\"></span>dit inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s relea<span class=\"_ _0\"></span>se of def<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>axation o<span class=\"_ _0\"></span>n CCFS Co<span class=\"_ _0\"></span>mbina<span class=\"_ _0\"></span>tion rel<span class=\"_ _0\"></span>ating to t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs70f\">unwi<span class=\"_ _0\"></span>nd of the de<span class=\"_ _0\"></span>ferre<span class=\"_ _0\"></span>d tax liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d on the f<span class=\"_ _0\"></span>air value a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments of t<span class=\"_ _0\"></span>he CCFS as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s at the </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs710\">ac<span class=\"_ _0\"></span>quisiti<span class=\"_ _0\"></span>on date of \u00a3<span class=\"_ _0\"></span>14.3m a<span class=\"_ _0\"></span>nd the re<span class=\"_ _0\"></span>leas<span class=\"_ _0\"></span>e of other d<span class=\"_ _0\"></span>eferre<span class=\"_ _0\"></span>d tax as<span class=\"_ _0\"></span>sets o<span class=\"_ _0\"></span>n Combi<span class=\"_ _0\"></span>natio<span class=\"_ _0\"></span>n adjust<span class=\"_ _0\"></span>ments o<span class=\"_ _0\"></span>f \u00a30.3m.<span class=\"_ _311\"> </span></div><div class=\"gs690\"><table class=\"s wa0d h112\" id=\"_b6a01b82-b903-43d6-9109-599760a75770\"><tr><td></td><td class=\"t m0 x10b1 h2b y48ea ff2 fs16 fc5 sc0 ls39 wscf\">OSB<span class=\"_ _311\"> </span></td><td class=\"t m0 x11ae h2b y48ea ff2 fs16 fc5 sc0 ls1 ws0\">CCFS<span class=\"_ _311\"> </span></td><td class=\"t m0 x693 h2b y48ea ff2 fs16 fc5 sc0 ls1 ws0\">Combination<span class=\"_ _311\"> </span></td><td class=\"t m0 x297 h2b y48ea ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 h2b y48eb ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x74c h2b y48eb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x923 h2b y48eb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x298 h2b y48eb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y48eb ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y48ec ff1 fs3 fc5 sc0 ls1 ws0\">Balances at the repor<span class=\"_ _0\"></span>ting date<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y48ed ff4 fs3 fc5 sc0 ls1 ws0\">Gross loans and advances  </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48ee w88b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">to cus<span class=\"_ _4\"></span>tomers<span class=\"_ _311\"> </span></div></td><td class=\"c n x11af y48ee w73f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13,<span class=\"_ _0\"></span>244.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b0 y48ee wa0e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls8f ws93\">1<span class=\"_ _0\"></span>0,4<span class=\"_ _0\"></span>16<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b1 y48ee wa0f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">8<span class=\"_ _0\"></span>1.7</div></td><td class=\"c n x11b2 y48ee wa10 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>3,<span class=\"_ _0\"></span>742<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48ef w9e2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Expected cr<span class=\"_ _4\"></span>edit losses<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b3 y48ef wa11 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(10<span class=\"_ _0\"></span>3.<span class=\"_ _0\"></span>2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b4 y48ef wa12 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(28<span class=\"_ _0\"></span>.0)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b5 y48ef w209 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b6 y48ef wa13 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">(130.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48f0 wa14 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws7d\">Lo<span class=\"_ _4\"></span>ans and advances to customer<span class=\"_ _4\"></span>s</div></td><td class=\"c n x11b7 y48f0 w6a4 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls64 ws68\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,141<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5</div></td><td class=\"c n x11b8 y48f0 wa15 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">10,388.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x11b9 y48f0 wa16 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ba y48f0 w3c7 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls99 ws9f\">2<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>,612<span class=\"_ _0\"></span>.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48f1 wa17 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Capital expenditur<span class=\"_ _4\"></span>e<span class=\"_ _311\"> </span></div></td><td class=\"c n x11bb y48f1 wa18 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">7.<span class=\"_ _2\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x11bc y48f1 w589 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x11bd y48f1 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x11be y48f1 wa19 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">8.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48f2 w9eb ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Depreciation and amortisation<span class=\"_ _311\"> </span></div></td><td class=\"c n xa20 y48f2 wa1a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7a ws80\">6.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x11bf y48f2 wa1b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c0 y48f2 w313 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls84 ws55\">3.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c1 y48f2 wa1c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y48f3 ff1 fs3 fc5 sc0 ls1 ws0\">Profit or loss for the year<span class=\"_ _311\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y48f4 wa1d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Net interest income/(e<span class=\"_ _4\"></span>xpense)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c2 y48f5 wa1e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">4<span class=\"_ _0\"></span>60.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c3 y48f5 wa1f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c4 y48f5 wa20 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _2\"></span>2<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c5 y48f5 wa21 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">7<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>9.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48f6 wa22 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Other income<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c6 y48f7 wa23 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">8<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c7 y48f7 w2c6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">46.2<span class=\"_ _311\"> </span></div></td><td class=\"c n xc4e y48f7 wa24 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c8 y48f7 w739 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7c ws83\">65.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4303 w9f3 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal inc<span class=\"_ _0\"></span>ome/(<span class=\"_ _4\"></span>expense<span class=\"_ _4\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11c9 y4302 w19d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">4<span class=\"_ _0\"></span>6<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ca y4302 wa25 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">3<span class=\"_ _0\"></span>54.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x11cb y4302 wa26 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">(<span class=\"_ _0\"></span>48<span class=\"_ _0\"></span>.8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11cc y4302 w22 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">7<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48f8 w2b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Impairment of financial asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x11cd y48f8 wa27 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5f ws63\">(2<span class=\"_ _0\"></span>2.3<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ce y48f8 w397 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11cf y48f8 w2af ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d0 y48f8 w826 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48f9 w9fa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Contribution to profit<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d1 y48fa wa28 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">4<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d2 y48fa wa29 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls7a ws80\">34<span class=\"_ _0\"></span>6.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d3 y48fa wa2a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _2\"></span>4<span class=\"_ _0\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d4 y48fa wa2b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5e ws62\">745<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48fb w23 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Administr<span class=\"_ _4\"></span>ative expenses<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d5 y48fb wa2c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d6 y48fb wa2d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>.1)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d7 y48fb wa2e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls79 ws7f\">(3.<span class=\"_ _0\"></span>8)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d8 y48fb wa2f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _0\"></span>2<span class=\"_ _2\"></span>0<span class=\"_ _2\"></span>7.<span class=\"_ _2\"></span>8<span class=\"_ _2\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48fc w27 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Provisions<span class=\"_ _311\"> </span></div></td><td class=\"c n x11d9 y48fc w2a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x11da y48fc w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x11db y48fc wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x11dc y48fc wa30 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48fd w2f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Integr<span class=\"_ _4\"></span>ation costs<span class=\"_ _311\"> </span></div></td><td class=\"c n x11dd y48fd w8ae ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls6e ws74\">(6<span class=\"_ _0\"></span>.8<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11de y48fd wd8 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11df y48fd w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e0 y48fd w32 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls62 ws66\">(<span class=\"_ _33\"> </span>7.<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y48fe wa04 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Profit/(loss) before taxation<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e1 y48ff wa31 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5a ws5e\">3<span class=\"_ _0\"></span>11.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e2 y48ff w808 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">2<span class=\"_ _0\"></span>72.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e3 y48ff w7db ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5a ws5e\">(<span class=\"_ _0\"></span>51.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e4 y48ff w35 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">53<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4900 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>axation<span class=\"_ _311\"> </span></td><td class=\"c n x11e5 y47dd wa32 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e6 y47dd wa33 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(<span class=\"_ _0\"></span>70.2)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e7 y47dd wa34 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls5c ws60\">18.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e8 y47dd wa35 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">(12<span class=\"_ _0\"></span>1.5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c wa0a ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">Profit/(loss) for the year<span class=\"_ _311\"> </span></div></td><td class=\"c n x11e9 y426d w749 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>41.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ea y426d w9f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">2<span class=\"_ _0\"></span>01.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x11eb y426d wa36 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ec y426d we2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls88 ws8d\">41<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs712\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs713\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he taxati<span class=\"_ _0\"></span>on on Co<span class=\"_ _0\"></span>mbinat<span class=\"_ _0\"></span>ion cre<span class=\"_ _0\"></span>dit inc<span class=\"_ _0\"></span>lude<span class=\"_ _0\"></span>s relea<span class=\"_ _0\"></span>se of def<span class=\"_ _0\"></span>erred t<span class=\"_ _0\"></span>axation o<span class=\"_ _0\"></span>n CCFS Co<span class=\"_ _0\"></span>mbina<span class=\"_ _0\"></span>tion rel<span class=\"_ _0\"></span>ating to t<span class=\"_ _0\"></span>he </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs714\">unwi<span class=\"_ _0\"></span>nd of the de<span class=\"_ _0\"></span>ferre<span class=\"_ _0\"></span>d tax liab<span class=\"_ _0\"></span>ilitie<span class=\"_ _0\"></span>s reco<span class=\"_ _0\"></span>gnise<span class=\"_ _0\"></span>d on the f<span class=\"_ _0\"></span>air value a<span class=\"_ _0\"></span>djust<span class=\"_ _0\"></span>ments of t<span class=\"_ _0\"></span>he CCFS as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd liabi<span class=\"_ _0\"></span>litie<span class=\"_ _0\"></span>s at </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs715\">the a<span class=\"_ _0\"></span>cquis<span class=\"_ _0\"></span>ition da<span class=\"_ _0\"></span>te of \u00a317<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>5m and th<span class=\"_ _0\"></span>e rele<span class=\"_ _0\"></span>ase of oth<span class=\"_ _0\"></span>er defe<span class=\"_ _0\"></span>rred ta<span class=\"_ _0\"></span>x asse<span class=\"_ _0\"></span>ts on Co<span class=\"_ _0\"></span>mbinat<span class=\"_ _0\"></span>ion adju<span class=\"_ _0\"></span>stme<span class=\"_ _0\"></span>nts of \u00a3<span class=\"_ _0\"></span>1.3m.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs717\">48. <span class=\"_ _3\"></span>C<span class=\"_ _0\"></span>oun<span class=\"_ _4\"></span>try by c<span class=\"_ _0\"></span>ountry reporting (CBCR)<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs718\">CBCR was in<span class=\"_ _4\"></span>troduced through Article 89 of CRD IV<span class=\"_ _3\"></span>, aimed at the banking and capital mark<span class=\"_ _4\"></span>ets </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs719\">industry. The name<span class=\"_ _4\"></span>, nature of activities and geogr<span class=\"_ _4\"></span>aphic location of the Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s companies are </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs71a\">present<span class=\"_ _4\"></span>ed below:<span class=\"_ _311\"> </span></div><div class=\"gs71b\"><table class=\"s wa37 h113\" id=\"_bf403442-92b4-42fc-8746-44d02e3c4c9b\"><tr><td class=\"c n x254 y4901 wa38 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Jurisdiction<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ed y4901 wa39 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Country<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ee y4901 wa3a hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Name<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ef y4901 wa3b hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activities<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4902 ff1 fs3 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></td><td class=\"c n x11f0 y4903 wa3c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">England<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f1 y4903 wa3d ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">O<span class=\"_ _4\"></span>SB GROUP PL<span class=\"_ _4\"></span>C<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f2 y4903 wa3e ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Holding company<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4904 wa3f ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">OneSavings Bank plc<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f4 y4904 wa40 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage lending and deposit<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xb3e h16 y4905 ff4 fs3 fc5 sc0 ls1 ws0\">taking<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4906 wa41 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">5D Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f5 y4906 wa42 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage servicer and provider<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4907 wa43 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Broadlands Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f6 y4907 wa44 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage adminis<span class=\"_ _4\"></span>tration services</div></td></tr><tr><td></td><td></td><td class=\"t m0 x28f hc y4908 ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Charter Cour<span class=\"_ _0\"></span>t Financial  </span></td><td class=\"t m0 xb3e h16 y4908 ff4 fs3 fc5 sc0 ls1 ws0\">Intermediat<span class=\"_ _4\"></span>e holding company<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x11f7 h16 y4909 ff4 fs3 fc5 sc0 ls1 ws0\">Services Group Plc</td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x28f hc y490a ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Charter Cour<span class=\"_ _0\"></span>t Financial  </span></td><td class=\"t m0 xb3e h16 y490a ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage lending and deposit </td></tr><tr><td></td><td></td><td class=\"t m0 x11f7 h16 y490b ff4 fs3 fc5 sc0 ls1 ws0\">Services Limited<span class=\"_ _311\"> </span></td><td class=\"t m0 xb3e h16 y490b ff4 fs3 fc5 sc0 ls1 ws0\">taking<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y490c wa45 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Charter Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gages Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f8 y490c wa46 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage administr<span class=\"_ _4\"></span>ation and<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xb3e h16 y490d ff4 fs3 fc5 sc0 ls1 ws0\">analytical services<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y490e wa47 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Easioption Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f6 y490e wa48 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Intermediate holding company<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y490f wa49 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Exact Mortgage Experts Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f9 y490f wa4a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Group service company<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4910 wa4b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Loans Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x11fa y4910 wa4c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage pro<span class=\"_ _4\"></span>vider</div></td></tr><tr><td></td><td></td><td class=\"t m0 x28f hc y4911 ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Heritable Dev<span class=\"_ _4\"></span>elopment  </span></td><td class=\"t m0 xb3e h16 y4911 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage originator and servicer<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x11f7 h16 y4912 ff4 fs3 fc5 sc0 ls1 ws0\">Finance Limited<span class=\"_ _311\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4913 wa4d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Inter Bay Financial I Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11fb y4913 wa48 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Intermediate holding company<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4485 wa4e ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">InterBay Asset Finance Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11fc y4485 wa4f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Asset finance and mor<span class=\"_ _0\"></span>tgage<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xb3e h16 y4914 ff4 fs3 fc5 sc0 ls1 ws0\">provider<span class=\"_ _311\"> </span></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y438f wa50 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Interbay Funding, Lt<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x11fd y438f wa51 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage servicer<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4391 wa52 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Interbay ML, Lt<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x11fe y4391 wa53 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y432f wa54 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home L<span class=\"_ _4\"></span>oans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ff y432f wa53 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4264 wa55 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prestige Finance Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1200 y4264 wa56 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage originator and servicer<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y4266 wa57 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Reliance Property Loans Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1201 y4266 wa58 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>tgage pr<span class=\"_ _4\"></span>ovider<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c n x11f3 y431b wa59 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Rochest<span class=\"_ _4\"></span>er Mor<span class=\"_ _0\"></span>tgages Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x1202 y431b wa5a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mor<span class=\"_ _0\"></span>t<span class=\"_ _4\"></span>gage provider<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1203 y426b w7e4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey<span class=\"_ _311\"> </span></div></td><td class=\"c n x1204 y426b wa5b ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Guernsey Home Loans Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x1205 y426b wa53 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x1203 y426d wa5c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Jer<span class=\"_ _4\"></span>sey<span class=\"_ _311\"> </span></div></td><td class=\"c n x1206 y426d wa5d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Jersey Home Loans Limite<span class=\"_ _4\"></span>d<span class=\"_ _311\"> </span></div></td><td class=\"c n x1207 y426d wa53 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mortgage provider<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h54 ff1 fs10 fc5 sc0 ls1 ws0 gs71c\">1<span class=\"_ _311\"> </span></div>Appendices<span class=\"_ _311\"> </span><table class=\"s wa5e h114\" id=\"_0f627b40-6a49-49b8-8538-7ad2123b44cc\"><tr><td class=\"c n x254 y4915 wa38 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Jurisdiction</div></td><td class=\"c n x1208 y4915 wa5f hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Country<span class=\"_ _311\"> </span></div></td><td class=\"c n x11ee y4915 wa60 hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Name<span class=\"_ _311\"> </span></div></td><td class=\"c n x1209 y4915 wa3b hf1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Activities<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y438e wa61 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x120a y438d wa3c ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">England</div></td><td class=\"c n x120b y438d wa62 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Cant<span class=\"_ _4\"></span>erbury Finance No. 2 plc</div></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x278 hc y4916 ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Canterbury Finance No<span class=\"_ _4\"></span>. 3 plc</span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x278 hc y4917 ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Canterbury Finance No<span class=\"_ _4\"></span>. 4 plc</span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x278 hc y4918 ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Canterbury Finance No<span class=\"_ _4\"></span>. 5 plc<span class=\"_ _311\"> </span></span></td><td class=\"t m0 x120c h16 y4919 ff4 fs3 fc5 sc0 ls1 ws0\">Special purpose vehicle</td></tr><tr><td></td><td></td><td class=\"t m0 x278 hc y491a ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>CMF 2020-1 plc</span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x278 hc y491b ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>CMF 2023-1 plc</span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x278 hc y491c ff1 fs3 fc5 sc0 ls1 ws0\"> <span class=\"_ _191\"> </span><span class=\"ff4\"> <span class=\"_ _18a\"> </span>Keys W<span class=\"_ _1\"></span>arehouse No.<span class=\"_ _1\"></span>1 Limited<span class=\"_ _311\"> </span></span></td><td></td></tr><tr><td class=\"c n x254 y4321 wa61 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x120a y426b wa3c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">England</div></td><td class=\"c n x120b y426b wa63 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">W<span class=\"_ _4\"></span>SE Bour<span class=\"_ _0\"></span>ton R<span class=\"_ _4\"></span>oad Limited<span class=\"_ _311\"> </span></div></td><td class=\"c n x11f6 y426b wa64 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Land lease inv<span class=\"_ _4\"></span>estment<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e w724 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">India</div></td><td class=\"c n x120d y426d w208 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></div></td><td class=\"c n x120e y426d wa65 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">OSB India Private Limit<span class=\"_ _4\"></span>ed<span class=\"_ _311\"> </span></div></td><td class=\"c n x120f y426d wa66 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Back office processing<span class=\"_ _311\"> </span></div></td></tr></table>I. <span class=\"_ _16\"> </span> <span class=\"_ _b\"></span>G<span class=\"_ _0\"></span>uern<span class=\"_ _0\"></span>sey Ho<span class=\"_ _0\"></span>me Loans L<span class=\"_ _0\"></span>imited (G<span class=\"_ _0\"></span>uerns<span class=\"_ _0\"></span>ey) an<span class=\"_ _0\"></span>d Jers<span class=\"_ _0\"></span>ey Hom<span class=\"_ _0\"></span>e Loans Li<span class=\"_ _0\"></span>mited (Jer<span class=\"_ _0\"></span>sey) a<span class=\"_ _0\"></span>re inco<span class=\"_ _0\"></span>rpora<span class=\"_ _0\"></span>ted in Gu<span class=\"_ _0\"></span>erns<span class=\"_ _0\"></span>ey and J<span class=\"_ _0\"></span>ers<span class=\"_ _0\"></span>ey resp<span class=\"_ _0\"></span>ecti<span class=\"_ _0\"></span>vely, b<span class=\"_ _0\"></span>ut are co<span class=\"_ _0\"></span>nside<span class=\"_ _0\"></span>red to be l<span class=\"_ _0\"></span>ocat<span class=\"_ _0\"></span>ed in the U<span class=\"_ _0\"></span>K as the<span class=\"_ _0\"></span>y are mana<span class=\"_ _0\"></span>ged an<span class=\"_ _0\"></span>d contro<span class=\"_ _0\"></span>lled in t<span class=\"_ _0\"></span>he UK with no<span class=\"_ _4\"></span> permanent establishmen<span class=\"_ _4\"></span>ts in Guernsey or<span class=\"_ _4\"></span> Jers<span class=\"_ _0\"></span>ey<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span>Other disclosures requir<span class=\"_ _4\"></span>ed by the CBCR directive ar<span class=\"_ _4\"></span>e provided belo<span class=\"_ _4\"></span>w:<span class=\"_ _311\"> </span><table class=\"s wa67 h115\" id=\"_ccaf85ca-9d3e-4a7d-8661-c1e171b2382e\"><tr><td class=\"c n x254 y491d w361 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></div></td><td class=\"c n x1210 y491d wa68 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x10f1 y491d w488 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">India</div></td><td class=\"c n xd3f y491d wa69 hc0\"><div class=\"t m0 x253 h2e y43a6 ff1 fs16 fc6 sc0 ls1 ws0\">C<span class=\"_ _0\"></span>onsolidation<span class=\"_ _311\"> </span></div></td><td class=\"t m0 x297 h2e y491e ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 wa6a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Aver<span class=\"_ _4\"></span>age number of employees<span class=\"_ _311\"> </span></div></td><td class=\"c n x1211 y4351 wa6b ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">1,4<span class=\"_ _0\"></span>61<span class=\"_ _311\"> </span></div></td><td class=\"c n x1212 y4351 wa6c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">811<span class=\"_ _311\"> </span></div></td><td class=\"c n x1213 y4351 w31 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1214 y4351 wa35 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1b ws1c\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>272<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y46a0 wa6d h116\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>urnover<span class=\"_ _311\"> </span></div><div class=\"t m0 x1215 h1b y433a ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x1216 hc y491f ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x1217 y4334 wa6e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">6<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>7.<span class=\"_ _2\"></span>3<span class=\"_ _311\"> </span></div></td><td class=\"c n x1218 y4334 wa6f ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">18.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x1219 y4334 wa70 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7b ws82\">(<span class=\"_ _0\"></span>1<span class=\"_ _2\"></span>7.<span class=\"_ _0\"></span>9<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x121a y4334 w21 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">6<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>8<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b wa71 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Profit/(loss) bef<span class=\"_ _4\"></span>ore tax, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x121b y4321 wa72 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls85 ws8a\">3<span class=\"_ _0\"></span>73.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x121c y4321 w464 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls70 ws76\">3<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x121d y4321 wa73 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(2<span class=\"_ _0\"></span>.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x121e y4321 w12a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">374.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wa74 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Corporation tax paid, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x121f y426c w34 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">102<span class=\"_ _0\"></span>.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1220 y426c wa8 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1221 y426c w31 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1222 y426c wa75 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5c ws60\">103<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td></tr></table>2<span class=\"_ _311\"> </span><table class=\"s wa76 h117\" id=\"_669db1a7-c475-4ac1-99b8-e0d6824b4c0b\"><tr><td class=\"c n x254 y4920 wa77 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></div></td><td class=\"c n x1223 y4920 wa78 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></div></td><td class=\"c n x1224 y4920 w901 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">India</div></td><td class=\"c n x1225 y4920 wa79 hc1\"><div class=\"t m0 x253 h2b y43d4 ff2 fs16 fc5 sc0 ls1 ws0\">Consolidation<span class=\"_ _311\"> </span></div></td><td class=\"t m0 x297 h2b y4921 ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4266 wa6a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Aver<span class=\"_ _4\"></span>age number of employees<span class=\"_ _311\"> </span></div></td><td class=\"c n x1226 y4266 wa7a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _0\"></span>274<span class=\"_ _311\"> </span></div></td><td class=\"c n x1227 y4266 wa7b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">62<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1228 y4266 w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1229 y4266 wa7c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1,896<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c x254 y431b wa6d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>urnover<span class=\"_ _311\"> </span></div><div class=\"t m0 x1215 h1b y433a ff4 fs10 fc5 sc0 ls1 ws0\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 x1216 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x122a y431b wa7d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls63 ws67\">7<span class=\"_ _0\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.1<span class=\"_ _311\"> </span></div></td><td class=\"c n x122b y431b w54e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls7c ws83\">13.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x122c y431b wa7e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 lsd ws7\">(13.3)<span class=\"_ _311\"> </span></div></td><td class=\"c n x122d y431b w22 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">7<span class=\"_ _2\"></span>7<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d wa71 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Profit/(loss) bef<span class=\"_ _4\"></span>ore tax, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x122e y431d w6ac ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">53<span class=\"_ _0\"></span>1.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x122f y431d w48a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1c ws1d\">2.<span class=\"_ _0\"></span>2<span class=\"_ _311\"> </span></div></td><td class=\"c n x1230 y431d w15f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>1<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1231 y431d w35 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">5<span class=\"_ _0\"></span>31.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wa74 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Corporation tax paid, \u00a3m<span class=\"_ _311\"> </span></div></td><td class=\"c n x1232 y426d w238 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">142.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1233 y426d w32a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1234 y426d w2a2 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1235 y426d w837 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">142<span class=\"_ _0\"></span>.5<span class=\"_ _311\"> </span></div></td></tr></table>2<span class=\"_ _311\"> </span>1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>Turnove<span class=\"_ _0\"></span>r repre<span class=\"_ _0\"></span>sent<span class=\"_ _0\"></span>s total inc<span class=\"_ _0\"></span>ome be<span class=\"_ _0\"></span>fore imp<span class=\"_ _0\"></span>airme<span class=\"_ _0\"></span>nt of fin<span class=\"_ _0\"></span>ancial a<span class=\"_ _0\"></span>nd intang<span class=\"_ _0\"></span>ible as<span class=\"_ _0\"></span>sets<span class=\"_ _0\"></span>, regul<span class=\"_ _0\"></span>atory pr<span class=\"_ _0\"></span>ovisi<span class=\"_ _0\"></span>ons and op<span class=\"_ _0\"></span>eratin<span class=\"_ _0\"></span>g cost<span class=\"_ _0\"></span>s, but af<span class=\"_ _0\"></span>ter n<span class=\"_ _0\"></span>et intere<span class=\"_ _0\"></span>st inc<span class=\"_ _0\"></span>ome, ga<span class=\"_ _0\"></span>ins and l<span class=\"_ _0\"></span>osse<span class=\"_ _0\"></span>s on fin<span class=\"_ _0\"></span>ancia<span class=\"_ _0\"></span>l instru<span class=\"_ _0\"></span>ments a<span class=\"_ _0\"></span>nd othe<span class=\"_ _0\"></span>r opera<span class=\"_ _0\"></span>ting in<span class=\"_ _0\"></span>come.<span class=\"_ _311\"> </span>2. <span class=\"_ _38\"> </span>Rel<span class=\"_ _0\"></span>ates to a m<span class=\"_ _0\"></span>anage<span class=\"_ _0\"></span>ment fe<span class=\"_ _0\"></span>e to Indi<span class=\"_ _0\"></span>an subsi<span class=\"_ _0\"></span>diari<span class=\"_ _0\"></span>es from O<span class=\"_ _0\"></span>neS<span class=\"_ _0\"></span>avin<span class=\"_ _0\"></span>gs Bank p<span class=\"_ _0\"></span>lc for pr<span class=\"_ _0\"></span>ovidin<span class=\"_ _0\"></span>g back o<span class=\"_ _0\"></span>ffi<span class=\"_ _0\"></span>ce pro<span class=\"_ _0\"></span>cess<span class=\"_ _0\"></span>ing.<span class=\"_ _311\"> </span>The tables belo<span class=\"_ _4\"></span>w reconcile tax charged and tax paid during the ye<span class=\"_ _4\"></span>ar<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span><table class=\"s wa7f h118\" id=\"_0b55667b-3be2-4b62-b7d5-1582df831b40\"><tr><td></td><td class=\"t m0 x1236 h2e y4922 ff1 fs16 fc6 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></td><td class=\"t m0 x426 h2e y4922 ff1 fs16 fc6 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></td><td class=\"t m0 x1237 h2e y4922 ff1 fs16 fc6 sc0 ls56 ws5a\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>al<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2e y4923 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"_ _311\"> </span></td><td class=\"t m0 xa67 h2e y4923 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x1238 h2e y4923 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xabb h2e y4923 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4924 wa80 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax charge<span class=\"_ _311\"> </span></div></td><td class=\"c n x1239 y4924 w496 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x123a y4924 wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x123b y4924 w2ec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">91.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4925 ff4 fs3 fc5 sc0 ls1 ws0\">Effects of:<span class=\"_ _eb\"> </span><span class=\"ff1\"> <span class=\"_ _13b\"> </span> <span class=\"_ _29f\"> </span> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y4926 wa81 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Other timing differences<span class=\"_ _311\"> </span></div></td><td class=\"c n x11da y4927 w346 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">13.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x123c y4927 w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x123d y4927 w17e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">13.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4928 wa82 ha9\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax outside of profit or loss<span class=\"_ _311\"> </span></div></td><td class=\"c n x123e y445b w9f2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td><td class=\"c n x123f y445b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1240 y445b wa83 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4929 wa84 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Prior year tax included within tax char<span class=\"_ _4\"></span>ge<span class=\"_ _311\"> </span></div></td><td class=\"c n x1241 y431b w11d ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x1242 y431b w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1243 y431b w97a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6c ws72\">0.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y492a wa85 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax in relation to future periods pr<span class=\"_ _4\"></span>epaid<span class=\"_ _311\"> </span></div></td><td class=\"c n x1244 y431d w528 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(1.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1245 y431d w20c ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1246 y431d w528 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls6f ws75\">(1<span class=\"_ _0\"></span>.6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d w986 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax paid<span class=\"_ _311\"> </span></div></td><td class=\"c n x1247 y426d wa86 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5b ws5f\">102.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1248 y426d wa8 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls73 ws79\">0.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1249 y426d wa87 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">103.<span class=\"_ _0\"></span>6<span class=\"_ _311\"> </span></div></td></tr></table><table class=\"s wa88 h119\" id=\"_5c8623cf-ce1e-49c2-a5f5-76a60804b257\"><tr><td></td><td class=\"t m0 xb0b h2b y492b ff2 fs16 fc5 sc0 ls1 ws0\">UK<span class=\"_ _311\"> </span></td><td class=\"t m0 x42a h2b y492b ff2 fs16 fc5 sc0 ls1 ws0\">India<span class=\"_ _311\"> </span></td><td class=\"t m0 x289 h2b y492b ff2 fs16 fc5 sc0 ls115 ws122\">To<span class=\"_ _0\"></span>t<span class=\"_ _0\"></span>a<span class=\"_ _0\"></span>l<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f h2b y492c ff2 fs16 fc5 sc0 ls1 ws0\">2022<span class=\"_ _311\"> </span></td><td class=\"t m0 x804 h2b y492c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 xa34 h2b y492c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y492c ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y438f wa89 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax charge<span class=\"_ _311\"> </span></div></td><td class=\"c n x124a y438f wa8a ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">121.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x124b y438f wa8b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x124c y438f wa8c ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">12<span class=\"_ _0\"></span>1.5<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f h16 y492d ff4 fs3 fc5 sc0 ls1 ws0\">Effects of:<span class=\"_ _311\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x254 y432f wa81 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Other timing differences<span class=\"_ _311\"> </span></div></td><td class=\"c n x124d y432f wa8d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td><td class=\"c n x124e y432f wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x124f y432f wa8d ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls76 ws7c\">1<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 wa82 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax outside of profit or loss<span class=\"_ _311\"> </span></div></td><td class=\"c n x1250 y4264 w336 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3c y4264 w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1251 y4264 w336 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">(<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4266 wa8e ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Prior year tax paid during the year<span class=\"_ _311\"> </span></div></td><td class=\"c n x1252 y4266 w1da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1253 y4266 wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1254 y4266 wa8f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431b wa84 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">Prior year tax included within tax char<span class=\"_ _4\"></span>ge<span class=\"_ _311\"> </span></div></td><td class=\"c n x1255 y431b w54b ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n xa3c y431b w51f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1256 y431b w2af ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls75 ws7b\">0<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431d wa85 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax in relation to future periods pr<span class=\"_ _4\"></span>epaid<span class=\"_ _311\"> </span></div></td><td class=\"c n x1257 y431d w1da ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x439 y431d wb0 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n xbe9 y431d wa8f ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls58 ws5d\">1.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426d wa90 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ax paid<span class=\"_ _311\"> </span></div></td><td class=\"c n x1258 y426d wa91 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">142.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1259 y426d w4be ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls74 ws7a\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x125a y426d w837 ha8\"><div class=\"t m0 x253 h16 y425e ff4 fs3 fc5 sc0 ls1b ws1c\">1<span class=\"_ _0\"></span>42.5</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeographicalAreasExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws13c gs723\">50. Controlling <span class=\"_ _2\"></span>party<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs724\">As at 31 December 2023 there w<span class=\"_ _4\"></span>as no controlling party of the ultimate paren<span class=\"_ _4\"></span>t company of the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs725\">Group, O<span class=\"_ _4\"></span>SB GROUP PL<span class=\"_ _4\"></span>C<span class=\"_ _4\"></span>. </div>",
   "dimensions": {
    "concept": "osbgroupplc:DisclosureOfControllingParty",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-512": {
   "value": "51. <span class=\"_ _2\"></span>T<span class=\"_ _4\"></span>ransactions with k<span class=\"_ _1\"></span>ey management personnel<span class=\"_ _311\"> </span>All related party transac<span class=\"_ _4\"></span>tions were made on terms equiv<span class=\"_ _4\"></span>alent to those that pre<span class=\"_ _4\"></span>vail in arm<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s length transactions<span class=\"_ _4\"></span>. During the year<span class=\"_ _1\"></span>, there were no r<span class=\"_ _4\"></span>elated party transactions between the k<span class=\"_ _1\"></span>ey management per<span class=\"_ _4\"></span>sonnel and the Group other than as described below<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span>The Director<span class=\"_ _4\"></span>s and Group Executiv<span class=\"_ _4\"></span>e team are considered to be k<span class=\"_ _1\"></span>ey management personnel.<span class=\"_ _311\"> </span>Director<span class=\"_ _4\"></span>s<span class=\"_ _4\"></span>\u2019 remuneration is disclosed in no<span class=\"_ _4\"></span>te 8 and in the Directors<span class=\"_ _1\"></span>\u2019 Remuner<span class=\"_ _4\"></span>ation Report on page 147<span class=\"_ _3\"></span>. The Group E<span class=\"_ _4\"></span>xecutive team ar<span class=\"_ _4\"></span>e all employees of OSB, the table belo<span class=\"_ _4\"></span>w shows their aggregate r<span class=\"_ _4\"></span>emuneration:<span class=\"_ _311\"> </span><table class=\"s w50 hfc\" id=\"_f05fe1e9-518c-4f11-b30e-3cf80504e617\"><tr><td></td><td class=\"t m0 x288 h2e y4958 ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x289 h2b y4958 ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x1285 h2e y4959 ff1 fs16 fc6 sc0 ls1 ws0\"> \u00a3\u2019000</td><td class=\"t m0 x4dd h2b y4959 ff2 fs16 fc5 sc0 ls1 ws0\"> \u00a3\u2019000<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4271 wabd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Short-term employee benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x1286 y4333 w789 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls65 ws69\">4,4<span class=\"_ _0\"></span>51<span class=\"_ _311\"> </span></div></td><td class=\"c n x1287 y4271 wabe ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls110 ws11c\">4,<span class=\"_ _1\"></span>000<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 w247 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Post-employmen<span class=\"_ _4\"></span>t benefits<span class=\"_ _311\"> </span></div></td><td class=\"c n x1288 y4334 wabf ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls58 ws5d\">62<span class=\"_ _311\"> </span></div></td><td class=\"c n x1289 y4268 wac0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">62<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b wf2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share-based payment<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n xc21 y4321 w201 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5c ws60\">1,29<span class=\"_ _0\"></span>1<span class=\"_ _311\"> </span></div></td><td class=\"c n x128a y426b wac1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">2<span class=\"_ _0\"></span>,<span class=\"_ _0\"></span>667<span class=\"_ _311\"> </span></div></td></tr><tr><td></td><td class=\"c n x128b y431e wac2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">5,804<span class=\"_ _311\"> </span></div></td><td class=\"c n x128c y426d wac3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls44 ws6d\">6,<span class=\"_ _0\"></span>729<span class=\"_ _311\"> </span></div></td></tr></table>Key managemen<span class=\"_ _4\"></span>t personnel and connected per<span class=\"_ _4\"></span>sons held deposits with the Group of \u00a32.3m (2022: \u00a32.<span class=\"_ _1\"></span>1m).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws13d gs733\">52. Capital <span class=\"_ _0\"></span>management<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs734\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s capital management appr<span class=\"_ _4\"></span>oach is to provide a sufficient capital base t<span class=\"_ _4\"></span>o cover </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs735\">business risk<span class=\"_ _4\"></span>s and suppor<span class=\"_ _0\"></span>t future business de<span class=\"_ _4\"></span>velopment. The Gr<span class=\"_ _4\"></span>oup remained, throughout </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs736\">the year<span class=\"_ _1\"></span>, compliant with its capital r<span class=\"_ _4\"></span>equirements as set out by the PRA, the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s primary </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs737\">prudential supervisor<span class=\"_ _1\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs738\">The Group manages and reports its capit<span class=\"_ _4\"></span>al at a number of levels including Gr<span class=\"_ _4\"></span>oup level and<span class=\"_ _4\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs739\">for the tw<span class=\"_ _4\"></span>o regulated banking entities within the Gr<span class=\"_ _4\"></span>oup, on an individual consolidation and </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs73a\">on an individual basis. The c<span class=\"_ _4\"></span>apital position of the two r<span class=\"_ _4\"></span>egulated banking entities are not<span class=\"_ _4\"></span> </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 lse3 ws0 gs73b\">separately disclose<span class=\"_ _4\"></span>d.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs73c\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s capital management is base<span class=\"_ _4\"></span>d on the three \u2018<span class=\"_ _4\"></span>pillars<span class=\"_ _1\"></span>\u2019 of Basel III. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs73d\">Under Pillar 1, the Group calculates it<span class=\"_ _4\"></span>s minimum capital requiremen<span class=\"_ _4\"></span>ts based on 8% of risk<span class=\"_ _4\"></span>-<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs73e\">weigh<span class=\"_ _4\"></span>ted assets<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs73f\">Under Pillar 2, the Group, and it<span class=\"_ _4\"></span>s regulated entities<span class=\"_ _4\"></span>, complete an annual self-assessment of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs740\">risk<span class=\"_ _4\"></span>s known as the ICAAP<span class=\"_ _1\"></span>. The PRA applies additional requir<span class=\"_ _4\"></span>ements to this assessment amoun<span class=\"_ _4\"></span>t </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs741\">to cov<span class=\"_ _4\"></span>er risks under Pillar 2 to gener<span class=\"_ _4\"></span>ate a T<span class=\"_ _1\"></span>otal Capital Requir<span class=\"_ _4\"></span>ement and also sets capital </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs742\">buffers for the Group<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs744\">Pillar 3 requires firms t<span class=\"_ _4\"></span>o publish a set of disclosures which allo<span class=\"_ _4\"></span>w market participants t<span class=\"_ _4\"></span>o assess </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs745\">information on the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s capital, risk exposures and risk assessmen<span class=\"_ _4\"></span>t process. The Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs746\">Pillar 3 disclosures can be found on the Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s website<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs747\">On 30 Nov<span class=\"_ _4\"></span>ember 2022, the PRA issued a consultation paper on the implementing Basel 3<span class=\"_ _4\"></span>.<span class=\"_ _4\"></span>1 in </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs748\">the UK. The Group has tak<span class=\"_ _1\"></span>en account of this in planning for future c<span class=\"_ _4\"></span>apital requirement<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs749\">The ultimate responsibility f<span class=\"_ _4\"></span>or capital adequacy res<span class=\"_ _4\"></span>ts with the Board of Direct<span class=\"_ _4\"></span>ors. The Gr<span class=\"_ _4\"></span>oup\u2019<span class=\"_ _1\"></span>s </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74a\">AL<span class=\"_ _1\"></span>CO is responsible for the management of the capit<span class=\"_ _4\"></span>al process within the risk appetite defined </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74b\">by the Board, including appr<span class=\"_ _4\"></span>oving policy, ov<span class=\"_ _4\"></span>erseeing internal contr<span class=\"_ _4\"></span>ols and setting internal </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74c\">limits ov<span class=\"_ _4\"></span>er capital ratios<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74d\">The Group activ<span class=\"_ _4\"></span>ely manages its capital position and reports this on a regular basis to the </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74e\">Board and senior managemen<span class=\"_ _4\"></span>t via the AL<span class=\"_ _4\"></span>CO and other governance committees<span class=\"_ _4\"></span>. Capital </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs74f\">requiremen<span class=\"_ _4\"></span>ts are included within budgets<span class=\"_ _4\"></span>, forecas<span class=\"_ _4\"></span>ts and str<span class=\"_ _4\"></span>ategic plans with initiatives being </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs750\">ex<span class=\"_ _4\"></span>ecuted against this plan. </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs751\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s Pillar 1 capital information is pr<span class=\"_ _4\"></span>esented belo<span class=\"_ _4\"></span>w:<span class=\"_ _311\"> </span></div><div class=\"gs752\"><table class=\"s wa92 h11b\" id=\"_bbcf06dd-4e71-4a93-bd99-e0ecc1268df9\"><tr><td></td><td class=\"t m0 x720 h2e y495a ff1 fs16 fc6 sc0 ls1 ws0\">(Unaudited)  </td><td class=\"t m0 x128d h2b y495b ff2 fs16 fc5 sc0 ls1 ws0\">(Unaudited)  </td></tr><tr><td></td><td class=\"t m0 x296 h2e y495c ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x297 h2b y495d ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x298 h2e y495e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y495f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x278 hc y4960 ff1 fs3 fc5 sc0 ls1 ws0\">CET1 capital<span class=\"_ _2b0\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4961 wac4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Called up share capit<span class=\"_ _4\"></span>al<span class=\"_ _311\"> </span></div></td><td class=\"c n x128e y4962 w1e ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls71 ws77\">3<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td><td class=\"c n x5b9 y4961 wac5 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls5f ws63\">4.<span class=\"_ _0\"></span>3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4963 ff4 fs3 fc5 sc0 ls1 ws0\">Share premium, capit<span class=\"_ _4\"></span>al contribution  </td><td></td><td></td></tr><tr><td class=\"c n x254 y4964 wac6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">and share-based payment r<span class=\"_ _4\"></span>eser<span class=\"_ _0\"></span>v<span class=\"_ _4\"></span>e<span class=\"_ _311\"> </span></div></td><td class=\"c n x128f y4965 wac7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">18.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x1086 y4964 w447 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 lse0 ws99\">15.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4966 wac8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Retained e<span class=\"_ _4\"></span>arnings<span class=\"_ _311\"> </span></div></td><td class=\"c n x2ec y4967 wc7 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls60 ws64\">3,330.2<span class=\"_ _311\"> </span></div></td><td class=\"c n x2ed y4966 wc8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">3<span class=\"_ _0\"></span>,<span class=\"_ _2\"></span>3<span class=\"_ _0\"></span>8<span class=\"_ _2\"></span>9.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4968 w474 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>ransfer reserve<span class=\"_ _311\"> </span></div></td><td class=\"c n x1290 y4969 wac9 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls97 ws6f\">(<span class=\"_ _4\"></span>1,354.7)<span class=\"_ _311\"> </span></div></td><td class=\"c n xb6d y4968 w62d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>1,<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>5.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y496a waca ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Other reserves<span class=\"_ _311\"> </span></div></td><td class=\"c n x1291 y496b wacb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls71 ws77\">(<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>.9)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1292 y496a w14a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls79 ws7f\">(3<span class=\"_ _0\"></span>.2)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y496c wacc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal equity attributable to or<span class=\"_ _4\"></span>dinary shareholders<span class=\"_ _311\"> </span></div></td><td class=\"c n x1293 y496d wacd ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls11d ws130\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>94<span class=\"_ _0\"></span>.<span class=\"_ _0\"></span>5<span class=\"_ _311\"> </span></div></td><td class=\"c n x1294 y496c wace ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">2,0<span class=\"_ _0\"></span>51.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y496e ff4 fs3 fc5 sc0 ls1 ws0\">Foreseeable dividends<span class=\"_ _311\"> </span></td><td class=\"c n x98d y496f wacf ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls72 ws78\">(85<span class=\"_ _0\"></span>.7<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x1295 y4970 wad0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(144.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4971 ff4 fs3 fc5 sc0 ls1 ws0\">IFRS 9 tr<span class=\"_ _4\"></span>ansitional adjustment<span class=\"_ _311\"> </span></td><td class=\"c n x1296 y4972 w20c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td><td class=\"c n x1297 y4973 w2dd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">1<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 h16 y4974 ff4 fs3 fc5 sc0 ls1 ws0\">CO<span class=\"_ _4\"></span>VID-19 ECL tr<span class=\"_ _4\"></span>ansitional adjustment<span class=\"_ _311\"> </span></td><td class=\"c n x1298 y4975 w499 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls2e wsa1\">23.8<span class=\"_ _311\"> </span></div></td><td class=\"c n x1299 y4976 wad1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">2<span class=\"_ _0\"></span>5<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x278 hc y4977 ff1 fs3 fc5 sc0 ls1 ws0\">Deductions from CET1 capital<span class=\"_ _231\"> </span> <span class=\"_ _146\"> </span><span class=\"ff4\"> </span></td><td></td><td></td></tr><tr><td class=\"t m0 x278 h16 y4978 ff4 fs3 fc5 sc0 ls1 ws0\">Prudent valuation adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></td><td class=\"c n x639 y4979 w1e1 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.5<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x129a y497a w1e2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y497b w82 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Intangible asset<span class=\"_ _4\"></span>s<span class=\"_ _311\"> </span></div></td><td class=\"c n x129b y497c w97d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>26<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x129c y497b wad2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(12.0)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y497d wad3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Deferre<span class=\"_ _4\"></span>d tax asset<span class=\"_ _311\"> </span></div></td><td class=\"c n x281 y497e wa03 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls86 ws8b\">(0.3<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x129d y497d wad4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls6e ws74\">(<span class=\"_ _0\"></span>0.<span class=\"_ _0\"></span>6)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c wad5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">CET1 capital<span class=\"_ _311\"> </span></div></td><td class=\"c n x129e y426c w40c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls11d ws130\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x129f y426d wad6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,920.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs753\">1<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs754\">2<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs755\">3<span class=\"_ _311\"> </span></div><div class=\"t m0 h1b ff4 fs10 fc5 sc0 ls1 ws0 gs756\">4<span class=\"_ _311\"> </span></div><div class=\"gs5af\"><table class=\"s wae9 h11d\" id=\"_a6b2dbe7-e6a9-4a6d-8638-86bdeb85789e\"><tr><td></td><td class=\"t m0 x12a0 h2e y4989 ff1 fs16 fc6 sc0 ls1 ws0\">(Unaudited)  </td><td class=\"t m0 x2f4 h2b y498a ff2 fs16 fc5 sc0 ls1 ws0\">(Unaudited)  </td></tr><tr><td></td><td class=\"t m0 x288 h2e y498b ff1 fs16 fc6 sc0 ls1 ws0\">2023 </td><td class=\"t m0 x289 h2b y498c ff2 fs16 fc5 sc0 ls1 ws0\">2022 </td></tr><tr><td></td><td class=\"t m0 x28a h2e y498d ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y498e ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"t m0 x28f hc y498f ff1 fs3 fc5 sc0 ls1 ws0\">A<span class=\"_ _1\"></span>T1 capital<span class=\"_ _2ef\"> </span> <span class=\"_ _146\"> </span><span class=\"ff4\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x254 y4990 waea ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">A<span class=\"_ _1\"></span>T1 securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b4 y4991 w126 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">15<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b5 y4990 wdc ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls58 ws5d\">15<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4992 waeb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal Tier 1 capital<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b6 y4992 waec ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls5e ws62\">2,0<span class=\"_ _0\"></span>55.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b7 y4993 waed ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls61 ws65\">2<span class=\"_ _0\"></span>,070.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"t m0 x28f hc y4994 ff1 fs3 fc5 sc0 ls1 ws0\">Tier 2 capital<span class=\"_ _283\"> </span> </td><td></td><td></td></tr><tr><td class=\"c n x254 y4995 waee ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Tier 2 securities<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b8 y4996 waef ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">250.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b9 y4995 w51f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4997 waf0 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal Tier 2 capital<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ba y4997 waf1 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">25<span class=\"_ _0\"></span>0.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x12bb y4998 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4999 waf2 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal regulatory capital<span class=\"_ _311\"> </span></div></td><td class=\"c n x12bc y4999 w67a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">2,3<span class=\"_ _0\"></span>05.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12bd y497d waf3 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls61 ws65\">2,<span class=\"_ _0\"></span>070.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y431e waf4 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">Risk<span class=\"_ _4\"></span>-weighted assets (unaudited)<span class=\"_ _311\"> </span></div></td><td class=\"c n x12be y431e waf5 ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls79 ws7f\">11,<span class=\"_ _0\"></span>845<span class=\"_ _0\"></span>.6<span class=\"_ _311\"> </span></div></td><td class=\"c n x12bf y426d waf6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls55 ws5c\">10,<span class=\"_ _4\"></span>494.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs757\">1. <span class=\"_ _18\"> </span> <span class=\"_ _b\"></span>20<span class=\"_ _0\"></span>22 incl<span class=\"_ _0\"></span>udes s<span class=\"_ _0\"></span>peci<span class=\"_ _0\"></span>al divi<span class=\"_ _0\"></span>dend of \u00a3<span class=\"_ _0\"></span>50.3m (\u00a3<span class=\"_ _0\"></span>50.0m ann<span class=\"_ _0\"></span>ounc<span class=\"_ _0\"></span>ed by th<span class=\"_ _0\"></span>e Board ro<span class=\"_ _0\"></span>unde<span class=\"_ _0\"></span>d up on a pe<span class=\"_ _0\"></span>nce pe<span class=\"_ _0\"></span>r share b<span class=\"_ _0\"></span>asis </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs758\">total<span class=\"_ _0\"></span>s \u00a350.3<span class=\"_ _0\"></span>m<span class=\"_ _4\"></span>).<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs759\">2. <span class=\"_ _38\"> </span>Th<span class=\"_ _0\"></span>e IFRS 9 tran<span class=\"_ _0\"></span>sitio<span class=\"_ _0\"></span>nal arran<span class=\"_ _0\"></span>geme<span class=\"_ _0\"></span>nts expi<span class=\"_ _0\"></span>red at 31 D<span class=\"_ _0\"></span>ece<span class=\"_ _0\"></span>mber 2<span class=\"_ _0\"></span>022.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs75a\">3. <span class=\"_ _38\"> </span> <span class=\"_ _b\"></span>T<span class=\"_ _0\"></span>he COVI<span class=\"_ _0\"></span>D-19 ECL trans<span class=\"_ _0\"></span>ition<span class=\"_ _0\"></span>al adjus<span class=\"_ _0\"></span>tment r<span class=\"_ _0\"></span>elate<span class=\"_ _0\"></span>s to 50% of th<span class=\"_ _0\"></span>e Group\u2019s incre<span class=\"_ _0\"></span>ase in s<span class=\"_ _0\"></span>tage 1 an<span class=\"_ _0\"></span>d stage 2 E<span class=\"_ _0\"></span>CL </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs75b\">foll<span class=\"_ _0\"></span>owing t<span class=\"_ _0\"></span>he impa<span class=\"_ _0\"></span>cts of CO<span class=\"_ _0\"></span>VID-19 and fo<span class=\"_ _0\"></span>r which t<span class=\"_ _0\"></span>ransit<span class=\"_ _0\"></span>ional r<span class=\"_ _0\"></span>ules we<span class=\"_ _0\"></span>re adopt<span class=\"_ _0\"></span>ed for re<span class=\"_ _0\"></span>gulato<span class=\"_ _0\"></span>ry capi<span class=\"_ _0\"></span>tal purp<span class=\"_ _0\"></span>ose<span class=\"_ _0\"></span>s.<span class=\"_ _311\"> </span></div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls2f ws32 gs75c\">4.<span class=\"_ _4\"></span> <span class=\"_ _38\"> </span> <span class=\"_ _3d\"></span>The Group<span class=\"_ _4\"></span> has adopted the<span class=\"_ _4\"></span> simplified approach<span class=\"_ _4\"></span> under the Prudent<span class=\"_ _4\"></span> Valuat<span class=\"_ _4\"></span>ion rules, recognisi<span class=\"_ _4\"></span>ng a deduction equa<span class=\"_ _4\"></span>l to </div><div class=\"t m0 h17 ff4 fsd fc5 sc0 ls1 ws0 gs75d\">sum of a<span class=\"_ _0\"></span>bsolu<span class=\"_ _0\"></span>te value e<span class=\"_ _0\"></span>qual to 0.1% of rel<span class=\"_ _0\"></span>evant fai<span class=\"_ _0\"></span>r value as<span class=\"_ _0\"></span>sets a<span class=\"_ _0\"></span>nd liabi<span class=\"_ _0\"></span>lities<span class=\"_ _0\"></span>.<span class=\"_ gs75e\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs75f\">The mov<span class=\"_ _4\"></span>ement in CET1 during the year was as f<span class=\"_ _4\"></span>ollows:<span class=\"_ _311\"> </span></div><div class=\"gs760\"><table class=\"s wad7 h11c\" id=\"_df3e07c5-e2dc-46c3-ac97-0dd3f6682388\"><tr><td></td><td class=\"t m0 x12a0 h2e y497f ff1 fs16 fc6 sc0 ls1 ws0\">(Unaudited)  </td><td class=\"t m0 x2f4 h2b y4980 ff2 fs16 fc5 sc0 ls1 ws0\">(Unaudited) </td></tr><tr><td></td><td class=\"t m0 x288 h2e y4981 ff1 fs16 fc6 sc0 ls1 ws0\">2023  </td><td class=\"t m0 x41f h2b y4982 ff2 fs16 fc5 sc0 ls1 ws0\"> 2022  </td></tr><tr><td></td><td class=\"t m0 x28a h2e y4983 ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x28b h2b y4984 ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y446c w3a8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">At 1 January<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a1 y4985 wad8 hab\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls7c ws83\">1,<span class=\"_ _4\"></span>920.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a2 y446c wad9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,78<span class=\"_ _0\"></span>1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y446d wada ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in retained earnings<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a3 y4986 wadb ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6d ws73\">(<span class=\"_ _2\"></span>5<span class=\"_ _0\"></span>9.<span class=\"_ _0\"></span>2<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a4 y446d w55f ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls80 ws87\">17<span class=\"_ _0\"></span>4.3<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4987 wadc ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Share premium fr<span class=\"_ _4\"></span>om Sharesave Scheme ves<span class=\"_ _4\"></span>ting<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a5 y4988 w44e ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls6c ws72\">1.4<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a6 y4987 w15c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y443a wadd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in other reserves<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a7 y443b wfc ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls5b ws5f\">1.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a8 y443a wd9 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">0.6<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4391 wade ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in foreseeable dividends<span class=\"_ _311\"> </span></div></td><td class=\"c n x12a9 y443c w9e0 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 lsd ws7\">58.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x12aa y4391 wadf ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls76 ws7c\">(<span class=\"_ _0\"></span>4<span class=\"_ _2\"></span>9.<span class=\"_ _0\"></span>3<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y432f wae0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">IFRS 9 tr<span class=\"_ _4\"></span>ansitional adjustment<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ab y440a w49d ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls78 ws7e\">(1<span class=\"_ _0\"></span>.4)<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ac y432f wae1 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls58 ws5d\">(1.<span class=\"_ _0\"></span>5)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4264 wae2 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">CO<span class=\"_ _4\"></span>VID-19 ECL tr<span class=\"_ _4\"></span>ansitional adjustment<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ad y4265 wae3 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(2<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n xa46 y4264 w30a ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.9<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4271 wae4 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in prudent valuation adjus<span class=\"_ _4\"></span>tment<span class=\"_ _311\"> </span></div></td><td class=\"c n x2e7 y440b wae5 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.5<span class=\"_ _311\"> </span></div></td><td class=\"c n x768 y4271 wb0 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4268 wae6 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Net (increase<span class=\"_ _4\"></span>)/<span class=\"_ _1\"></span>decrease in int<span class=\"_ _4\"></span>angible assets<span class=\"_ _311\"> </span></div></td><td class=\"c n x12ae y4269 w413 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls70 ws76\">(<span class=\"_ _0\"></span>14<span class=\"_ _0\"></span>.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td><td class=\"c n x12af y4268 w21c ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls75 ws7b\">6<span class=\"_ _0\"></span>.4<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b wae7 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls1 ws0\">Mov<span class=\"_ _4\"></span>ement in deferre<span class=\"_ _4\"></span>d tax asset for carried forw<span class=\"_ _4\"></span>ard losses<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b0 y426a w329 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls73 ws79\">0.3<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b1 y426b w54d ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls63 ws67\">(<span class=\"_ _0\"></span>0.1<span class=\"_ _0\"></span>)<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426c w3b4 ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls1 ws0\">At 3<span class=\"_ _4\"></span>1 D<span class=\"_ _0\"></span>ecember<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b2 y426c w40c ha8\"><div class=\"t m0 x253 hc y4261 ff1 fs3 fc5 sc0 ls11d ws130\">1<span class=\"_ _0\"></span>,9<span class=\"_ _0\"></span>0<span class=\"_ _0\"></span>5.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12b3 y426d wae8 ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls74 ws7a\">1,<span class=\"_ _4\"></span>92<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs762\">The Group<span class=\"_ _4\"></span>\u2019<span class=\"_ _4\"></span>s minimum requiremen<span class=\"_ _4\"></span>ts for own funds and eligible liabilities (MREL<span class=\"_ _4\"></span>) information is </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs763\">present<span class=\"_ _4\"></span>ed below:<span class=\"_ _311\"> </span></div><div class=\"gs5ed\"><table class=\"s w16e h11e\" id=\"_0ec2b7f1-91c7-4190-ae7b-1d479ad947e1\"><tr><td></td><td class=\"t m0 x720 h2e y499a ff1 fs16 fc6 sc0 ls1 ws0\">(Unaudited)  </td><td class=\"t m0 x128d h2b y499b ff2 fs16 fc5 sc0 ls1 ws0\">(Unaudited)  </td></tr><tr><td></td><td class=\"t m0 x296 h2e y499c ff1 fs16 fc6 sc0 lsdf wse7\">2023<span class=\"ls1 ws0\"> </span></td><td class=\"t m0 x297 h2b y499d ff2 fs16 fc5 sc0 ls1 ws0\">2022  </td></tr><tr><td></td><td class=\"t m0 x298 h2e y499e ff1 fs16 fc6 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td><td class=\"t m0 x299 h2b y499f ff2 fs16 fc5 sc0 ls1 ws0\">\u00a3m<span class=\"_ _311\"> </span></td></tr><tr><td class=\"c n x254 y4268 waf7 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal regulatory capit<span class=\"_ _4\"></span>al<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c0 y43ab w67a ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls7c ws83\">2,30<span class=\"_ _0\"></span>5.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c1 y4268 waf8 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls61 ws65\">2,07<span class=\"_ _0\"></span>0.7<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y426b waf9 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">Eligible liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c2 y4273 wafa ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1c ws1d\">3<span class=\"_ _0\"></span>00.0<span class=\"_ _311\"> </span></div></td><td class=\"c n x4b6 y426b wb0 ha8\"><div class=\"t m0 x253 hc y423e ff4 fs3 fc5 sc0 ls1 ws0\">\u2013<span class=\"_ _311\"> </span></div></td></tr><tr><td class=\"c n x254 y4274 wafb ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls1 ws0\">T<span class=\"_ _1\"></span>otal own funds and eligible liabilities<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c3 y4274 wafc ha8\"><div class=\"t m0 x253 hc y4240 ff1 fs3 fc5 sc0 ls66 ws6a\">2,605.7<span class=\"_ _311\"> </span></div></td><td class=\"c n x12c4 y426d wafd ha8\"><div class=\"t m0 x253 hc y4248 ff4 fs3 fc5 sc0 ls61 ws65\">2,<span class=\"_ _0\"></span>070.<span class=\"_ _0\"></span>7<span class=\"_ _311\"> </span></div></td></tr></table></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs764\">On 7 September 2023<span class=\"_ _4\"></span>, the Group issued \u00a3300 million of senior unsecure<span class=\"_ _4\"></span>d callable notes </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs765\">through OSB Gr<span class=\"_ _4\"></span>oup PL<span class=\"_ _4\"></span>C which, while not included in total regulat<span class=\"_ _4\"></span>ory capital, is eligible to  </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs766\">meet MREL.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs767\">The Group has been gr<span class=\"_ _4\"></span>anted a pref<span class=\"_ _4\"></span>erred resolution s<span class=\"_ _4\"></span>trategy of a single poin<span class=\"_ _4\"></span>t of entry bail-in at </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs768\">the holding company lev<span class=\"_ _4\"></span>el by the PRA and was initially given an in<span class=\"_ _4\"></span>terim MREL re<span class=\"_ _4\"></span>quirement of </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs769\">18% of RW<span class=\"_ _1\"></span>As plus regulatory buffer<span class=\"_ _4\"></span>s, and an end-st<span class=\"_ _4\"></span>ate MREL of the higher o<span class=\"_ _4\"></span>f:<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs76a\">(i) <span class=\"_ _15\"> </span>two times the sum of Pillar 1 and Pillar 2A plus r<span class=\"_ _4\"></span>egulatory buf<span class=\"_ _0\"></span>f<span class=\"_ _4\"></span>ers; or<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs76b\">(ii) <span class=\"_ _3a\"> </span>if subject to a lev<span class=\"_ _4\"></span>erage r<span class=\"_ _4\"></span>atio, two times the applicable r<span class=\"_ _4\"></span>equirement plus re<span class=\"_ _4\"></span>gulatory buf<span class=\"_ _0\"></span>fer<span class=\"_ _4\"></span>s.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls44 ws0 gs76c\">The interim and end-s<span class=\"_ _4\"></span>tate deadlines for the r<span class=\"_ _4\"></span>equirements are July 2<span class=\"_ _4\"></span>024 and July 2026 respectiv<span class=\"_ _4\"></span>ely.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "<div class=\"t m0 h15 ff1 fsc fc3 sc0 ls1 ws0 gs76e\">53. <span class=\"_ _1\"></span>Even<span class=\"_ _4\"></span>ts af<span class=\"_ _0\"></span>ter the reporting date<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs76f\">On 16 January 2024 the Group issued senior not<span class=\"_ _4\"></span>es amounting to \u00a3400m under the \u00a33bn </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs770\">EMTN progr<span class=\"_ _4\"></span>amme of OSBG<span class=\"_ _4\"></span>. The EMTN programme is used as part of the Group<span class=\"_ _1\"></span>\u2019<span class=\"_ _4\"></span>s capital </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs771\">management and funding activities<span class=\"_ _4\"></span>.<span class=\"_ _311\"> </span></div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs772\">The Board has authorised a shar<span class=\"_ _4\"></span>e repurchase of up to \u00a350<span class=\"_ _1\"></span>.0m of shar<span class=\"_ _4\"></span>es in the market fr<span class=\"_ _4\"></span>om </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs773\">15 March 2024<span class=\"_ _1\"></span>. Any purchases made under this progr<span class=\"_ _4\"></span>amme will be announced to the mark<span class=\"_ _4\"></span>et </div><div class=\"t m0 h16 ff4 fs3 fc5 sc0 ls1 ws0 gs774\">each day in line with regulat<span class=\"_ _4\"></span>ory requirements<span class=\"_ _4\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-19": {
   "value": "OSB GROUP PL<span class=\"_ _1\"></span>C",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-398": {
   "value": "PL<span class=\"_ _1\"></span>C",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  },
  "fact-399": {
   "value": "<div class=\"t m0 ha6 ff2 fs2a fc0 sc0 ls1 ws0 gs7ac\">OSB House<span class=\"_ _311\"> </span></div><div class=\"t m0 ha6 ff2 fs2a fc0 sc0 ls1 ws0 gs7ad\">Quayside<span class=\"_ _311\"> </span></div><div class=\"t m0 ha6 ff2 fs2a fc0 sc0 ls1 ws0 gs7ae\">Chatham<span class=\"_ _311\"> </span></div><div class=\"t m0 ha6 ff2 fs2a fc0 sc0 ls1 ws0 gs7af\">K<span class=\"_ _4\"></span>ent, ME4 4Q<span class=\"_ _4\"></span>Z</div>",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:213800ZBKL9BHSL2K459",
    "period": "2023-01-01T00:00:00/2024-01-01T00:00:00"
   }
  }
 }
}